Civic Intelligence

Tremont Credit Union

EIN 04-3414490 • 501(c)14 • Milton, MA

View Organization Page

Profile

State chartered credit union

2 Granite Avenue 101Milton, MA 02186

www.tremontcu.org

Siviq Scores

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

Liabilities / Assets

74th percentile

0.92x

Higher debt load relative to assets than 74% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Source year 2024

Liabilities / Revenue

68th percentile

16.74x

Higher debt load relative to revenue than 68% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Source year 2024

Net Margin

6th percentile

-4.5%

Higher net margin than 6% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Source year 2024

Top Officer Pay

Score unavailable

No value available

No filing with officer rows is available for this organization yet.

Asset Growth

27th percentile

-0.3%

Faster asset growth than 27% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Annualized from 2023 to 2024

Revenue Growth

7th percentile

2.3%

Faster revenue growth than 7% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets74th percentile

Assets

Down

$260,416,544

Down $718,298 (-0.3%) from 2023

Liabilities

Down

$238,885,581

Down $320,870 (-0.1%) from 2023

Net Assets

Down

$21,530,963

Down $397,428 (-1.8%) from 2023

Operations
Liabilities / Revenue68th percentileNet Margin6th percentile

Revenue

Up

$14,269,021

Up $315,089 (+2.3%) from 2023

Expenses

Up

$14,911,952

Up $855,808 (+6.1%) from 2023

Net Income

Down

-$642,931

Down $540,719 (-529%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth27th percentile

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

$300M$200M$100M$0Assets 2010: $169,611,141Liabilities 2010: $148,835,939Net Assets 2010: $20,775,2022010Assets 2011: $164,591,584Liabilities 2011: $144,393,998Net Assets 2011: $20,197,5862011Assets 2012: $161,825,820Liabilities 2012: $141,824,562Net Assets 2012: $20,001,2582012Assets 2013: $164,407,259Liabilities 2013: $144,406,135Net Assets 2013: $20,001,1242013Assets 2014: $166,209,146Liabilities 2014: $146,098,787Net Assets 2014: $20,110,3592014Assets 2015: $170,799,175Liabilities 2015: $150,394,693Net Assets 2015: $20,404,4822015Assets 2016: $172,309,492Liabilities 2016: $151,496,392Net Assets 2016: $20,813,1002016Assets 2017: $174,387,317Liabilities 2017: $152,013,890Net Assets 2017: $22,373,4272017Assets 2018: $184,787,616Liabilities 2018: $161,557,456Net Assets 2018: $23,230,1602018Assets 2019: $203,534,916Liabilities 2019: $178,372,003Net Assets 2019: $25,162,9132019Assets 2020: $240,451,967Liabilities 2020: $214,555,730Net Assets 2020: $25,896,2372020Assets 2021: $244,401,139Liabilities 2021: $218,279,761Net Assets 2021: $26,121,3782021Assets 2022: $255,114,045Liabilities 2022: $233,077,800Net Assets 2022: $22,036,2452022Assets 2023: $261,134,842Liabilities 2023: $239,206,451Net Assets 2023: $21,928,3912023Assets 2024: $260,416,544Liabilities 2024: $238,885,581Net Assets 2024: $21,530,9632024

Highlighted filing

2024

Assets$260,416,544
Liabilities$238,885,581
Net Assets$21,530,963
Open 2024 Filing

Operations Trend

Revenue Growth7th percentile

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

$15M$10M$5.0M$0-$5.0MExpenses 2010: $5,338,9282010Revenue 2011: $8,063,153Expenses 2011: $8,506,754Net Income 2011: -$443,6012011Expenses 2012: $7,325,4762012Revenue 2013: $6,823,944Expenses 2013: $7,005,711Net Income 2013: -$181,7672013Revenue 2014: $7,126,060Expenses 2014: $6,805,968Net Income 2014: $320,0922014Revenue 2015: $7,134,194Expenses 2015: $6,455,042Net Income 2015: $679,1522015Revenue 2016: $7,443,648Expenses 2016: $6,329,457Net Income 2016: $1,114,1912016Revenue 2017: $8,534,778Expenses 2017: $7,406,001Net Income 2017: $1,128,7772017Revenue 2018: $9,292,143Expenses 2018: $8,071,440Net Income 2018: $1,220,7032018Revenue 2019: $10,236,397Expenses 2019: $9,006,691Net Income 2019: $1,229,7062019Revenue 2020: $9,193,968Expenses 2020: $8,940,771Net Income 2020: $253,1972020Revenue 2021: $9,907,662Expenses 2021: $9,307,134Net Income 2021: $600,5282021Revenue 2022: $11,136,951Expenses 2022: $10,636,902Net Income 2022: $500,0492022Revenue 2023: $13,953,932Expenses 2023: $14,056,144Net Income 2023: -$102,2122023Revenue 2024: $14,269,021Expenses 2024: $14,911,952Net Income 2024: -$642,9312024

Highlighted filing

2024

Revenue$14,269,021
Expenses$14,911,952
Net Income-$642,931
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$260,416,544
Liabilities
$238,885,581
Net assets
$21,530,963
Revenue
$14,269,021
Expenses
$14,911,952
Net income
-$642,931
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$260$239$21.5$14.3$14.9$0.64
2023Detailed filing. Detailed filing data is available for this year.$261$239$21.9$14.0$14.1$0.10
2022Detailed filing. Detailed filing data is available for this year.$255$233$22.0$11.1$10.6$0.50
2021Detailed filing. Detailed filing data is available for this year.$244$218$26.1$9.91$9.31$0.60
2020Detailed filing. Detailed filing data is available for this year.$240$215$25.9$9.19$8.94$0.25
2019Detailed filing. Detailed filing data is available for this year.$204$178$25.2$10.2$9.01$1.23
2018Detailed filing. Detailed filing data is available for this year.$185$162$23.2$9.29$8.07$1.22
2017Detailed filing. Detailed filing data is available for this year.$174$152$22.4$8.53$7.41$1.13
2016Detailed filing. Detailed filing data is available for this year.$172$151$20.8$7.44$6.33$1.11
2015Detailed filing. Detailed filing data is available for this year.$171$150$20.4$7.13$6.46$0.68
2014Detailed filing. Detailed filing data is available for this year.$166$146$20.1$7.13$6.81$0.32
2013Detailed filing. Detailed filing data is available for this year.$164$144$20.0$6.82$7.01$0.18
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$162$142$20.0$7.33
2011Summary only. Only limited summary data is available for this year.$165$144$20.2$8.06$8.51$0.44
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$170$149$20.8$5.34
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Nov 3, 2025
Return Version
2024v5.2
Gross Receipts
$14,269,021
Mission and Program Overview

Mission

State chartered credit union

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$191,804,347$178,878,744▼ $12,925,603
Savings and Temporary Cash Investments$19,094,644$36,196,650▲ $17,102,006
Investments in Publicly Traded Securities$26,887,447$23,706,612▼ $3,180,835
Rtn Earn Endowment Incm Other Fnds$21,928,391$21,530,963▼ $397,428
Receivables From Officers Etc$10,304,345$10,613,475▲ $309,130
Investments Other Securities$5,485,153$5,329,537▼ $155,616
Prepaid Expenses and Deferred Charges$3,216,429$2,300,819▼ $915,610
Accounts Receivable$1,131,641$727,119▼ $404,522
Cash and Non-Interest-Bearing Accounts$1,194,373$701,908▼ $492,465
Land, Buildings, and Equipment, Net$236,407$239,687▲ $3,280
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$261,134,842$260,416,544▼ $718,298
Other Assets Total$1,780,056$1,721,993▼ $58,063
Liabilities
Other Liabilities$209,496,087$211,667,853▲ $2,171,766
Mortgage Notes Payable Secured by Investment Property$26,995,089$24,938,535▼ $2,056,554
Accounts Payable and Accrued Expenses$2,715,275$2,279,193▼ $436,082
Total Liabilities$239,206,451$238,885,581▼ $320,870
Net Assets / Fund Balance
Total Net Assets Fund Balance$21,928,391$21,530,963▼ $397,428
Total Liabilities and Net Assets / Fund Balance$261,134,842$260,416,544▼ $718,298

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$239,687$2,019,225$2,258,912
Leasehold Improvements$0$590,442$590,442
Compensation and Service Providers
Top Officer PayScore unavailable

Employees

NameTitleFull / Part TimeBaseOtherTotal
George HardimanCEOFT$437,520$63,448$500,968
Bryan GreenbaumCOOFT$161,044$16,443$177,487
Bonnie PietragalloVP Lending OperationsFT$129,091$30,120$159,211
Kenneth ProvostControllerFT$101,398$38,441$139,839
Dennis WalkerVP OperationsFT$104,158$62$104,220
James RoyFormer CFOPT$78,878$7,473$86,351
Kevin MaddenCFOFT$76,144$1,731$77,875
Michael LemelinFormer CLOPT$44,201$2,466$46,667
Kevin MullenChair-$16,000-$16,000

Board Members and Trustees

NameTitle
Amy DonovanDirector
Brian GoldenDirector
Darrell ElowDirector
Dawn Marie DurantDirector
Donald SmithDirector
Edward KennedyDirector
James NeeDirector
Martin ConnollyDirector
Michael ConnollyDirector

Highest Paid Contractors

ContractorServicesLocationCompensation
Coclin Associates INCInternal AuditPO BOX 8485, Cranston, RI 02920$211,949
Mirick O'connellLegal Services100 FRONT STREET, Worcester, MA 01608$100,099
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$12,648,639
Investment Income
$1,620,382
Other Revenue
$0
Change in Net Assets
$-642,931

Audited Revenue Reconciliation

Revenue per Audited Statements
$14,269,021
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Total Revenue per Audited Statements
$14,269,021
Total Revenue per Form 990
$14,269,021
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$10,708,001
Salaries, Compensation, and Employee Benefits$4,203,951
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Interest---$4,311,129
Other Salaries and Wages---$2,225,509
Current Officers, Directors, Trustees, and Key Employees---$1,320,619
Fees for Services Other---$952,729
Office Expenses---$800,469
Information Technology---$756,767
Occupancy---$384,014
Other Employee Benefits---$373,703
Payroll Taxes---$295,971
Fees for Services Accounting---$282,839
Depreciation Depletion---$278,338
Fees for Services Legal---$153,671
Other Expenses---$151,904
Advertising---$96,429
Insurance---$62,008
All Other Expenses---$33,614
Travel---$18,979
Conferences and Meetings---$343
Pension Plan Contributions---$-11,851
Total Functional Expenses$0$0$0$14,911,952

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$14,911,952
Total Expenses per Audited Statements$14,911,952
Total Expenses per Form 990$14,911,952
Expenses Not Reported on Financial Statements$0
Expenses Not Reported on Form 990$0
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
Receivables from Officers, Directors, Trustees, and Key Employees$10,304,345$10,613,475▲ $309,130
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Members Share & Savings Accounts$211,667,853
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Backup withholding compliance
Yes
Business relationship with 35% controlled entity
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
No
Other officer compensation reviewed
No
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 6

“Members consist of depositors with a minimum balance of $5 in their savings account.”

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

“The members of the credit union may elect one or more of the board of directors.”

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

“The members have voting rights over certain decisions made by the governing body (board of directors). Voting usually takes place at the annual meeting and their voting rights consist of election of the board of directors, corporate charter and by-law changes and approval of mergers with other financial institutions.”

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

“The credit union's chair of the audit committee reviews the form 990 on behalf of the board of directors prior to tax return being filed. Then a copy of the form 990 is provided to the board of the directors subsequent to filing.”

Form 990, Part VI, Section C, Line 19

“AVAILABLE UPON REQUEST”

Filing and Contact Details

Filer

Filer Name
Tremont Credit Union
EIN
04-3414490
Phone
7818435626
Address
2 GRANITE AVENUE 101, MILTON, MA 02186

Signing Officer

Name
Kevin Madden
Title
CFO
Phone
7818435626
Signed
2025-11-03
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Kevin Madden
Formed
1952
Legal Domicile
Ma
Voting Board Members
11
Independent Board Members
9
Employees
71
Volunteers
9

Preparer

Firm
Gerald T Reilly & Company
Address
424 ADAMS STREET, MILTON, MA 02186
Preparer
Giuseppe Femia CPA
Phone
6176968900
Supplemental Narrative

Additional Explanations

FORM 990, PART XI, LINE 9:

“Oci fas 158 defined benefit plan adjustment 257,933.”

Raw XML AppendixShowing 400 of 529 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
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