Civic Intelligence

Chicopee Municipal Employees Credit Union

EIN 04-2491164 • 501(c)14 • Chicopee, MA

View Organization Page

Profile

Credit union - thrift services

923 Front StreetChicopee, MA 01020

n/A

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

70th percentile

0.89x

Higher debt load relative to assets than 70% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Source year 2015

Liabilities / Revenue

98th percentile

37.18x

Higher debt load relative to revenue than 98% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Source year 2015

Net Margin

29th percentile

2.8%

Higher net margin than 29% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Source year 2015

Top Officer Pay

13th percentile

$59,787

Higher top officer pay than 13% of similar nonprofits.

Top officer pay equals 5.2% of source-year revenue.

501(c)14 • $25M-$50M nonprofits • Source year 2015

Asset Growth

62nd percentile

2.4%

Faster asset growth than 62% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Annualized from 2014 to 2015

Revenue Growth

12th percentile

-4.5%

Faster revenue growth than 12% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Annualized from 2014 to 2015

Balance Sheet
Liabilities / Assets70th percentile

Assets

Up

$47,764,837

Up $1,127,103 (+2.4%) from 2014

Liabilities

Up

$42,670,437

Up $1,136,315 (+2.7%) from 2014

Net Assets

Down

$5,094,400

Down $9,212 (-0.2%) from 2014

Operations
Liabilities / Revenue98th percentileNet Margin29th percentile

Revenue

Down

$1,147,693

Down $54,502 (-4.5%) from 2014

Expenses

Down

$1,115,847

Down $2,233 (-0.2%) from 2014

Net Income

Down

$31,846

Down $52,269 (-62%) from 2014

Trend Graphs

Balance Sheet Trend

Asset Growth62nd percentile

Grouped bars show assets, liabilities, and net assets across loaded filings.

$60M$40M$20M$0Assets 2010: $45,206,822Liabilities 2010: $40,527,711Net Assets 2010: $4,679,1112010Assets 2011: $45,414,918Liabilities 2011: $40,618,120Net Assets 2011: $4,796,7982011Assets 2012: $45,342,479Liabilities 2012: $40,409,791Net Assets 2012: $4,932,6882012Assets 2013: $47,393,472Liabilities 2013: $42,373,975Net Assets 2013: $5,019,4972013Assets 2014: $46,637,734Liabilities 2014: $41,534,122Net Assets 2014: $5,103,6122014Assets 2015: $47,764,837Liabilities 2015: $42,670,437Net Assets 2015: $5,094,4002015

Highlighted filing

2015

Assets$47,764,837
Liabilities$42,670,437
Net Assets$5,094,400
Open 2015 Filing

Operations Trend

Revenue Growth12th percentile

Revenue, expenses, and net income by year, with the latest filing highlighted.

$1.5M$1.0M$500K$0Expenses 2010: $1,492,3012010Expenses 2011: $1,414,0982011Expenses 2012: $1,288,7272012Revenue 2013: $1,284,169Expenses 2013: $1,197,360Net Income 2013: $86,8092013Revenue 2014: $1,202,195Expenses 2014: $1,118,080Net Income 2014: $84,1152014Revenue 2015: $1,147,693Expenses 2015: $1,115,847Net Income 2015: $31,8462015

Highlighted filing

2015

Revenue$1,147,693
Expenses$1,115,847
Net Income$31,846
Open 2015 Filing

Filings

Most recent year

2015 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$47,764,837
Liabilities
$42,670,437
Net assets
$5,094,400
Revenue
$1,147,693
Expenses
$1,115,847
Net income
$31,846
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2015Detailed filing. Detailed filing data is available for this year.$47.8$42.7$5.09$1.15$1.12$0.03
2014Detailed filing. Detailed filing data is available for this year.$46.6$41.5$5.10$1.20$1.12$0.08
2013Detailed filing. Detailed filing data is available for this year.$47.4$42.4$5.02$1.28$1.20$0.09
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$45.3$40.4$4.93$1.29
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$45.4$40.6$4.80$1.41
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$45.2$40.5$4.68$1.49
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2015 to Dec 31, 2015
Signed
Aug 8, 2016
Return Version
2015v2.0
Gross Receipts
$1,147,693
Mission and Program Overview

Mission

Credit union - thrift services

Balance Sheet Detail
LineBeginningEndChange
Assets
Savings and Temporary Cash Investments$30,185,348$28,630,556▼ $1,554,792
Other Notes and Loans Receivable, Net$8,905,824$8,695,489▼ $210,335
Investments in Publicly Traded Securities$5,293,833$8,434,825▲ $3,140,992
Rtn Earn Endowment Incm Other Fnds$5,103,612$5,094,400▼ $9,212
Cash and Non-Interest-Bearing Accounts$738,222$595,808▼ $142,414
Land, Buildings, and Equipment, Net$514,989$526,559▲ $11,570
Receivables From Officers Etc$452,550$334,211▼ $118,339
Prepaid Expenses and Deferred Charges$30,829$32,129▲ $1,300
Accounts Receivable-$0-
Pledges and Grants Receivable-$0-
Receivable From Disqualified Prsn-$0-
Investments Other Securities-$0-
Investments Program Related-$0-
Intangible Assets-$0-
Inventories for Sale or Use-$0-
Total Assets$46,637,734$47,764,837▲ $1,127,103
Other Assets Total$516,139$515,260▼ $879
Liabilities
Other Liabilities$41,343,493$42,510,457▲ $1,166,964
Escrow Account Liability$143,622$120,079▼ $23,543
Accounts Payable and Accrued Expenses$47,007$39,901▼ $7,106
Total Liabilities$41,534,122$42,670,437▲ $1,136,315
Net Assets / Fund Balance
Total Net Assets Fund Balance$5,103,612$5,094,400▼ $9,212
Total Liabilities and Net Assets / Fund Balance$46,637,734$47,764,837▲ $1,127,103

Asset Categories

AssetBook ValueDepreciationBasis
Other Land Buildings$140,090$652,665$792,755
Buildings$280,532$471,633$752,165
Land$101,666-$101,666
Leasehold Improvements$4,271$29,767$34,038
Compensation and Service Providers
Top Officer Pay13th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Kenneth a ChampeauPresident & CEOFT$50,301$9,486$59,787
Laurie ManciniSr.loan OfficerFT$41,552$16,205$57,757
MARGARET O'KEEFEAccount OfficerFT$36,123-$36,123

Board Members and Trustees

NameTitle
Carole J HarmsChairman
Edward Czepiel JrVice Chair
Christopher GolbaDirector
Ernest Laflamme IiiDirector
Ernest Laflamme JrDirector
Frank BoronDirector
Gregory PietrasDirector
Jennifer WolowiczDirector
Shawn HemingwayDirector
William LynchDirector
Paul MorinAsst. Treasurer
Sandra StasiowskiClerk
John RyanMembership Offi
Robert J ZygarowskiSecurityOfficer
Carmino DanieleTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$498,162
Investment Income
$540,502
Other Revenue
$109,029
Change in Net Assets
$31,846
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$575,640
Salaries, Compensation, and Employee Benefits$540,207
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$271,990
Current Officers, Directors, Trustees, and Key Employees---$153,667
Interest---$126,030
Information Technology---$106,766
Occupancy---$64,683
All Other Expenses---$60,506
Other Employee Benefits---$55,809
Depreciation Depletion---$51,242
Office Expenses---$43,181
Pension Plan Contributions---$29,464
Payroll Taxes---$29,277
Fees for Services Accounting---$14,400
Other Expenses---$11,073
Advertising---$8,100
Fees for Services Legal---$2,095
Total Functional Expenses$0$0$0$1,115,847
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
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Officers, Directors, Trustees, and Key Employees$452,550$334,211▼ $118,339
Receivables from Disqualified Persons-$0-
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Deposit Accounts$42,510,456
Rounding$1
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Backup withholding compliance
No
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
No
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Line 2: Description of Business or Family Relationship of Officers, Directors, Et

“Frank laflamme is the son of ernest laflamme iii and brother to director ernest laflamme jr. Frank is the maintenance manager of the credit union (landscaping and cleaning). The owner of n. Riley construction is the son of director laflamme iii and the brother to director laflamme. N. Riley construction does snow removal and sanding for the credit union.”

Form 990, Part VI, Line 6: Explanation of Classes of Members or Shareholder

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

Form 990, Part VI, Line 11B: Form 990 Review Process

“The form 990 was presented for approval at the july 17, 2014 board meeting.”

Form 990, Part VI, Line 12C: Explanation of Monitoring and Enforcement of Conflicts

“An annual ethics compliance statement must be signed by all employees, officers and directors.”

Form 990, Part VI, Line 15A: Compensation Review & Approval Process - CEO, Top Management

“Determined by the personnel committee and then brought to the board for approval.”

Form 990, Part VI, Line 15B: Compensation Review and Approval Process for Officers and Key Employees

“Determined by the personnel committee and then brought to the board for approval.”

Form 990, Part VI, Line 19: Other Organization Documents Publicly Available

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

Filing and Contact Details

Filer

Filer Name
Chicopee Municipal Employees
EIN
04-2491164
Phone
4135925108
Address
923 FRONT STREET, CHICOPEE, MA 01020

Signing Officer

Name
Laurie Mancini
Title
Acting CEO
Signed
2016-08-08
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Laurie Mancini
Formed
1971
Legal Domicile
Ma
Voting Board Members
15
Independent Board Members
15
Employees
11
Volunteers
15

Preparer

Firm
Robert Anderson & Company Pc
Address
138 DODGE ST, BEVERLY, MA 01915-1866
Preparer
Robert Anderson
Phone
9782329300
Supplemental Narrative

Financial Statement Notes

Part IV, Line 2B: Explanation of escrow account liability

“Mortgage escrow accounts held for the payment of real estate taxes for municipalities.”

Raw XML AppendixShowing 400 of 593 raw XML fields

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/AccountantCompileOrReviewInd0false
IRS990/AccountsPayableAccrExpnssGrp/BOYAmt047007
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt039901
IRS990/AccountsReceivableGrp/EOYAmt00
IRS990/ActivitiesConductedPrtshpInd0false
IRS990/ActivityOrMissionDesc0CREDIT UNION - THRIFT SERVICES
IRS990/AdvertisingGrp/TotalAmt08100
IRS990/AllAffiliatesIncludedInd0false
IRS990/AllOtherExpensesGrp/TotalAmt060506
IRS990/AnnualDisclosureCoveredPrsnInd0true
IRS990/BackupWthldComplianceInd0false
IRS990/BenefitsToMembersGrp/TotalAmt00
IRS990/BooksInCareOfDetail/PersonNm0LAURIE MANCINI
IRS990/BooksInCareOfDetail/PhoneNum04135925108
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt0923 FRONT STREET
IRS990/BooksInCareOfDetail/USAddress/CityNm0CHICOPEE
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0MA
IRS990/BooksInCareOfDetail/USAddress/ZIPCd001020
IRS990/BusinessRlnWithFamMemInd0false
IRS990/BusinessRlnWithOfficerEntInd0false
IRS990/BusinessRlnWithOrgMemInd0false
IRS990/CashNonInterestBearingGrp/BOYAmt0738222
IRS990/CashNonInterestBearingGrp/EOYAmt0595808
IRS990/ChangeToOrgDocumentsInd0false
IRS990/CntrctRcvdGreaterThan100KCnt00
IRS990/CollectionsOfArtInd0false
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt0153667
IRS990/CompDisqualPersonsGrp/TotalAmt00
IRS990/CompensationFromOtherSrcsInd0false
IRS990/CompensationProcessCEOInd0true
IRS990/CompensationProcessOtherInd0true
IRS990/ConferencesMeetingsGrp/TotalAmt00
IRS990/ConflictOfInterestPolicyInd0true
IRS990/ConservationEasementsInd0false
IRS990/ConsolidatedAuditFinclStmtInd0false
IRS990/CreditCounselingInd0true
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt0540502
IRS990/CYOtherExpensesAmt0575640
IRS990/CYOtherRevenueAmt0109029
IRS990/CYProgramServiceRevenueAmt0498162
IRS990/CYRevenuesLessExpensesAmt031846
IRS990/CYSalariesCompEmpBnftPaidAmt0540207
IRS990/CYTotalExpensesAmt01115847
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt01147693
IRS990/DAFExcessBusinessHoldingsInd0false
IRS990/DecisionsSubjectToApprovaInd0false
IRS990/DeductibleArtContributionInd0false
IRS990/DeductibleNonCashContriInd0false
IRS990/DelegationOfMgmtDutiesInd0false
IRS990/DepreciationDepletionGrp/TotalAmt051242
IRS990/Desc0MAINTENANCE OF MEMBER SHARE AND DEPOSIT ACCOUNTS. NUMBER OF ACCOUNTS 7,481.
IRS990/DescribedInSection501c3Ind0false
IRS990/DisregardedEntityInd0false
IRS990/DistributionToDonorInd0false
IRS990/DocumentRetentionPolicyInd0false
IRS990/DonorAdvisedFundInd0false
IRS990/ElectionOfBoardMembersInd0true
IRS990/EmployeeCnt011
IRS990/EmploymentTaxReturnsFiledInd0true
IRS990/EngagedInExcessBenefitTransInd0false
IRS990/EscrowAccountInd0false
IRS990/EscrowAccountLiabilityGrp/BOYAmt0143622
IRS990/EscrowAccountLiabilityGrp/EOYAmt0120079
IRS990/FamilyOrBusinessRlnInd0true
IRS990/FederalGrantAuditRequiredInd0false
IRS990/FeesForServicesAccountingGrp/TotalAmt014400
IRS990/FeesForServicesLegalGrp/TotalAmt02095
IRS990/FeesForServicesLobbyingGrp/TotalAmt00
IRS990/FeesForServicesManagementGrp/TotalAmt00
IRS990/FeesForServicesOtherGrp/TotalAmt00
IRS990/FeesForServicesProfFundraising/TotalAmt00
IRS990/FeesForSrvcInvstMgmntFeesGrp/TotalAmt00
IRS990/ForeignActivitiesInd0false
IRS990/ForeignFinancialAccountInd0false
IRS990/ForeignGrantsGrp/TotalAmt00
IRS990/ForeignOfficeInd0false
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt00.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt10.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt20.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt30.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt40.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt50.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt60.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt70.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt80.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt90.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt100.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt110.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt120.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt130.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt140.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt150.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt160.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt170.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt03.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt13.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt23.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt33.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt43.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt53.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt63.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt73.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt83.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt93.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt100.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt113.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt123.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt133.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt143.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1540.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1640.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1740.00
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd1X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd2X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd3X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd4X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd5X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd6X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd7X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd8X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd9X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd10X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd11X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd12X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd13X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd14X
IRS990/Form990PartVIISectionAGrp/OfficerInd0X
IRS990/Form990PartVIISectionAGrp/OfficerInd1X
IRS990/Form990PartVIISectionAGrp/OfficerInd2X
IRS990/Form990PartVIISectionAGrp/OfficerInd3X
IRS990/Form990PartVIISectionAGrp/OfficerInd4X
IRS990/Form990PartVIISectionAGrp/OfficerInd5X
IRS990/Form990PartVIISectionAGrp/OfficerInd6X
IRS990/Form990PartVIISectionAGrp/OfficerInd7X
IRS990/Form990PartVIISectionAGrp/OfficerInd8X
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt00
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt10
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt20
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt30
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt40
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt50
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt60
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt70
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt80
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt90
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt100
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt110
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt120
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt130
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt140
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt150
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt169486
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1716205
IRS990/Form990PartVIISectionAGrp/PersonNm0SHAWN HEMINGWAY
IRS990/Form990PartVIISectionAGrp/PersonNm1FRANK BORON
IRS990/Form990PartVIISectionAGrp/PersonNm2GREGORY PIETRAS
IRS990/Form990PartVIISectionAGrp/PersonNm3CARMINO DANIELE
IRS990/Form990PartVIISectionAGrp/PersonNm4CHRISTOPHER GOLBA
IRS990/Form990PartVIISectionAGrp/PersonNm5CAROLE J HARMS
IRS990/Form990PartVIISectionAGrp/PersonNm6ERNEST LAFLAMME III
IRS990/Form990PartVIISectionAGrp/PersonNm7WILLIAM LYNCH
IRS990/Form990PartVIISectionAGrp/PersonNm8PAUL MORIN
IRS990/Form990PartVIISectionAGrp/PersonNm9JENNIFER WOLOWICZ
IRS990/Form990PartVIISectionAGrp/PersonNm10EDWARD CZEPIEL JR
IRS990/Form990PartVIISectionAGrp/PersonNm11JOHN RYAN
IRS990/Form990PartVIISectionAGrp/PersonNm12SANDRA STASIOWSKI
IRS990/Form990PartVIISectionAGrp/PersonNm13ROBERT J ZYGAROWSKI
IRS990/Form990PartVIISectionAGrp/PersonNm14ERNEST LAFLAMME JR
IRS990/Form990PartVIISectionAGrp/PersonNm15MARGARET O'KEEFE
IRS990/Form990PartVIISectionAGrp/PersonNm16KENNETH A CHAMPEAU
IRS990/Form990PartVIISectionAGrp/PersonNm17LAURIE MANCINI
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt90
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt100
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt110
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt120
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt130
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt140
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt1536123
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt1650301
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt1741552
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/TitleTxt0Director
IRS990/Form990PartVIISectionAGrp/TitleTxt1Director
IRS990/Form990PartVIISectionAGrp/TitleTxt2Director
IRS990/Form990PartVIISectionAGrp/TitleTxt3Treasurer
IRS990/Form990PartVIISectionAGrp/TitleTxt4Director
IRS990/Form990PartVIISectionAGrp/TitleTxt5Chairman
IRS990/Form990PartVIISectionAGrp/TitleTxt6Director
IRS990/Form990PartVIISectionAGrp/TitleTxt7Director
IRS990/Form990PartVIISectionAGrp/TitleTxt8Asst. Treasurer
IRS990/Form990PartVIISectionAGrp/TitleTxt9Director
IRS990/Form990PartVIISectionAGrp/TitleTxt10Vice Chair
IRS990/Form990PartVIISectionAGrp/TitleTxt11MEMBERSHIP OFFI
IRS990/Form990PartVIISectionAGrp/TitleTxt12Clerk
IRS990/Form990PartVIISectionAGrp/TitleTxt13SecurityOfficer
IRS990/Form990PartVIISectionAGrp/TitleTxt14Director
IRS990/Form990PartVIISectionAGrp/TitleTxt15ACCOUNT OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt16President & CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt17SR.LOAN OFFICER
IRS990/Form990ProvidedToGvrnBodyInd0true
IRS990/Form990TFiledInd0true
IRS990/FormationYr01971
IRS990/FormerOfcrEmployeesListedInd0false
IRS990/FSAuditedInd0false
IRS990/FundraisingActivitiesInd0false
IRS990/GamingActivitiesInd0false
IRS990/GoverningBodyVotingMembersCnt015
IRS990/GrantsToDomesticIndividualsGrp/TotalAmt00
IRS990/GrantsToDomesticOrgsGrp/TotalAmt00
IRS990/GrantsToIndividualsInd0false
IRS990/GrantsToOrganizationsInd0false
IRS990/GrantToRelatedPersonInd0false
IRS990/GrossReceiptsAmt01147693
IRS990/GroupReturnForAffiliatesInd0false
IRS990/IncludeFIN48FootnoteInd0false
IRS990/IncmFromInvestBondProceedsGrp/TotalRevenueColumnAmt00
IRS990/IndependentAuditFinclStmtInd0false
IRS990/IndependentVotingMemberCnt015
IRS990/IndivRcvdGreaterThan100KCnt00
IRS990/IndoorTanningServicesInd0false
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InformationTechnologyGrp/TotalAmt0106766
IRS990/InsuranceGrp/TotalAmt00
IRS990/IntangibleAssetsGrp/EOYAmt00
IRS990/InterestGrp/TotalAmt0126030
IRS990/InventoriesForSaleOrUseGrp/EOYAmt00
IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt0540502
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt0540502
IRS990/InvestmentInJointVentureInd0false
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt00
IRS990/InvestmentsProgramRelatedGrp/EOYAmt00
IRS990/InvestmentsPubTradedSecGrp/BOYAmt05293833
IRS990/InvestmentsPubTradedSecGrp/EOYAmt08434825
IRS990/InvestTaxExemptBondsInd0false
IRS990/IRPDocumentCnt0986
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt01154065
IRS990/LandBldgEquipBasisNetGrp/BOYAmt0514989
IRS990/LandBldgEquipBasisNetGrp/EOYAmt0526559
IRS990/LandBldgEquipCostOrOtherBssAmt01680624
IRS990/LegalDomicileStateCd0MA
IRS990/LicensedMoreThanOneStateInd0false
IRS990/LoanOutstandingInd0true
IRS990/LobbyingActivitiesInd0false
IRS990/LocalChaptersInd0false
IRS990/MaterialDiversionOrMisuseInd0false
IRS990/MembersOrStockholdersInd0true
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd0true
IRS990/MinutesOfGoverningBodyInd0true
IRS990/MiscellaneousRevenueGrp/RelatedOrExemptFuncIncomeAmt0993
IRS990/MiscellaneousRevenueGrp/TotalRevenueColumnAmt0993
IRS990/MissionDesc0CREDIT UNION - THRIFT SERVICES
IRS990/MoreThan5000KToIndividualsInd0false
IRS990/MoreThan5000KToOrgInd0false
IRS990/NetAssetsOrFundBalancesBOYAmt05103612
IRS990/NetAssetsOrFundBalancesEOYAmt05094400
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt00
IRS990/NetIncmFromFundraisingEvtGrp/TotalRevenueColumnAmt00
IRS990/NetIncomeFromGamingGrp/TotalRevenueColumnAmt00
IRS990/NetIncomeOrLossGrp/TotalRevenueColumnAmt00
IRS990/NetRentalIncomeOrLossGrp/TotalRevenueColumnAmt00
IRS990/NetUnrelatedBusTxblIncmAmt0-30924
IRS990/NetUnrlzdGainsLossesInvstAmt0-41058
IRS990/NondeductibleContributionsInd0false
IRS990/OccupancyGrp/TotalAmt064683
IRS990/OfficeExpensesGrp/TotalAmt043181
IRS990/OfficerMailingAddressInd0false
IRS990/OnBehalfOfIssuerInd0false
IRS990/OperateHospitalInd0false
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OrgFiledInLieuOfForm1041Ind0false
IRS990/OtherAssetsTotalGrp/BOYAmt0516139
IRS990/OtherAssetsTotalGrp/EOYAmt0515260
IRS990/OtherEmployeeBenefitsGrp/TotalAmt055809
IRS990/OtherExpensesGrp/Desc0DEBIT CARD PROCESSING
IRS990/OtherExpensesGrp/Desc1Postage and Shipping
IRS990/OtherExpensesGrp/Desc2STATE ASSESSMENT
IRS990/OtherExpensesGrp/Desc3LOAN SERVICING
IRS990/OtherExpensesGrp/TotalAmt044516
IRS990/OtherExpensesGrp/TotalAmt128353
IRS990/OtherExpensesGrp/TotalAmt214695
IRS990/OtherExpensesGrp/TotalAmt311073
IRS990/OtherLiabilitiesGrp/BOYAmt041343493
IRS990/OtherLiabilitiesGrp/EOYAmt042510457
IRS990/OtherRevenueMiscGrp/BusinessCd0900099
IRS990/OtherRevenueMiscGrp/BusinessCd1900099
IRS990/OtherRevenueMiscGrp/Desc0MEMBER ATM FEES
IRS990/OtherRevenueMiscGrp/Desc1NON MEMBER ATM FEES
IRS990/OtherRevenueMiscGrp/Desc2SERVICE CHARGES AND FEES
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt072188
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt131658
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt072188
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt14190
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt231658
IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt04190
IRS990/OtherRevenueTotalAmt0109029
IRS990/OtherSalariesAndWagesGrp/TotalAmt0271990
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt08905824
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt08695489
IRS990/PartialLiquidationInd0false
IRS990/PaymentsToAffiliatesGrp/TotalAmt00
IRS990/PayrollTaxesGrp/TotalAmt029277
IRS990/PensionPlanContributionsGrp/TotalAmt029464
IRS990/PledgesAndGrantsReceivableGrp/EOYAmt00
IRS990/PoliticalCampaignActyInd0false
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt030829
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt032129
IRS990/PrincipalOfficerNm0LAURIE MANCINI
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/Desc0INTEREST ON LOANS
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt0498162
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt0498162
IRS990/ProgSrvcAccomActy2Grp/Desc0MAINTENANCE OF MEMBER LOAN ACCOUNTS. NUMBER OF ACCOUNTS 854.
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYExcessBenefitTransInd0false
IRS990/PYGrantsAndSimilarPaidAmt02500
IRS990/PYInvestmentIncomeAmt0564279
IRS990/PymtTravelEntrtnmntPubOfclGrp/TotalAmt00
IRS990/PYOtherExpensesAmt0558673
IRS990/PYOtherRevenueAmt0112871
IRS990/PYProgramServiceRevenueAmt0525045
IRS990/PYRevenuesLessExpensesAmt084115
IRS990/PYSalariesCompEmpBnftPaidAmt0556907
IRS990/PYTotalExpensesAmt01118080
IRS990/PYTotalRevenueAmt01202195
IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt00
IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt0452550
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt0334211
IRS990/ReconcilationRevenueExpnssAmt031846
IRS990/RegularMonitoringEnfrcInd0true
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RoyaltiesGrp/TotalAmt00
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt05103612
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt05094400
IRS990/SavingsAndTempCashInvstGrp/BOYAmt030185348
IRS990/SavingsAndTempCashInvstGrp/EOYAmt028630556
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/AgentTrusteeEtcInd0false
IRS990ScheduleD/BuildingsGrp/BookValueAmt0280532
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0471633
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt0752165
IRS990ScheduleD/ExplanationProvidedInd0X
IRS990ScheduleD/InclEscrowCustodialAcctLiabInd0true
IRS990ScheduleD/LandGrp/BookValueAmt0101666
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0101666
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt04271
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt029767
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt034038
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt0140090
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt0652665
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt0792755
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt042510456
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt11
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER DEPOSIT ACCOUNTS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1Rounding
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0MORTGAGE ESCROW ACCOUNTS HELD FOR THE PAYMENT OF REAL ESTATE TAXES FOR MUNICIPALITIES.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0Part IV, Line 2b: Explanation of escrow account liability
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0526559

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Peer Organizations

Similar nonprofits based on the same Siviq industry and scale cohort. 501(c)14 • $25M-$50M nonprofits