Civic Intelligence

Landmark Credit Union

EIN 04-6042263 • 501(c)14 • Pittsfield, MA

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Profile

Credit union - thrift services

150 West StPittsfield, MA 01201

www.landmark-cu.com

Siviq Scores

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

Liabilities / Assets

Score unavailable

No value available

Liabilities-to-assets requires both liabilities and assets on the latest valid filing.

Source year 2017

Liabilities / Revenue

95th percentile

0.00x

Tied with the lowest-debt nonprofits in its peer group.

501(c)14 • <$500k nonprofits • Source year 2017

Net Margin

42nd percentile

-100%

Higher net margin than 42% of similar nonprofits.

501(c)14 • <$500k nonprofits • Source year 2017

Top Officer Pay

Score unavailable

No value available

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

Asset Growth

95th percentile

-100%

Faster asset growth than 95% of similar nonprofits.

501(c)14 • <$500k nonprofits • Annualized from 2015 to 2017

Revenue Growth

51st percentile

-45%

Faster revenue growth than 51% of similar nonprofits.

501(c)14 • <$500k nonprofits • Annualized from 2015 to 2017

Balance Sheet
Liabilities / AssetsScore unavailable

Assets

Down

$0

Down $25,740,235 (-100%) from 2015

Liabilities

Down

$0

Down $21,708,958 (-100%) from 2015

Net Assets

Down

$0

Down $4,031,277 (-100%) from 2015

Operations
Liabilities / Revenue95th percentileNet Margin42nd percentile

Revenue

Down

$236,839

Down $548,188 (-70%) from 2015

Expenses

Down

$473,644

Down $365,921 (-44%) from 2015

Net Income

Down

-$236,805

Down $182,267 (-334%) from 2015

Trend Graphs

Balance Sheet Trend

Asset Growth95th percentile

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

$40M$30M$20M$10M$0Assets 2010: $31,057,574Liabilities 2010: $26,832,757Net Assets 2010: $4,224,8172010Assets 2011: $29,818,980Liabilities 2011: $25,347,956Net Assets 2011: $4,471,0242011Assets 2012: $28,876,569Liabilities 2012: $24,476,512Net Assets 2012: $4,400,0572012Assets 2013: $26,859,886Liabilities 2013: $23,587,191Net Assets 2013: $3,272,6952013Assets 2014: $26,453,880Liabilities 2014: $22,391,074Net Assets 2014: $4,062,8062014Assets 2015: $25,740,235Liabilities 2015: $21,708,958Net Assets 2015: $4,031,2772015Assets 2017: $0Liabilities 2017: $0Net Assets 2017: $02017

Highlighted filing

2017

Assets$0
Liabilities$0
Net Assets$0
Open 2017 Filing

Operations Trend

Revenue Growth51st percentile

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

$1.5M$1.0M$500K$0-$500KExpenses 2010: $1,483,0252010Revenue 2011: $1,289,103Expenses 2011: $1,250,123Net Income 2011: $38,9802011Expenses 2012: $1,050,0192012Revenue 2013: $970,614Expenses 2013: $1,107,798Net Income 2013: -$137,1842013Revenue 2014: $827,926Expenses 2014: $939,227Net Income 2014: -$111,3012014Revenue 2015: $785,027Expenses 2015: $839,565Net Income 2015: -$54,5382015Revenue 2017: $236,839Expenses 2017: $473,644Net Income 2017: -$236,8052017

Highlighted filing

2017

Revenue$236,839
Expenses$473,644
Net Income-$236,805
Open 2017 Filing

Filings

Most recent year

2017 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$0
Liabilities
$0
Net assets
$0
Revenue
$236,839
Expenses
$473,644
Net income
-$236,805
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2017Detailed filing. Detailed filing data is available for this year.$0.00$0.00$0.00$0.24$0.47$0.24
2015Detailed filing. Detailed filing data is available for this year.$25.7$21.7$4.03$0.79$0.84$0.05
2014Detailed filing. Detailed filing data is available for this year.$26.5$22.4$4.06$0.83$0.94$0.11
2013Detailed filing. Detailed filing data is available for this year.$26.9$23.6$3.27$0.97$1.11$0.14
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$28.9$24.5$4.40$1.05
2011Summary only. Only limited summary data is available for this year.$29.8$25.3$4.47$1.29$1.25$0.04
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$31.1$26.8$4.22$1.48
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2017 to Apr 30, 2017
Signed
Mar 14, 2018
Return Version
2017v2.2
Gross Receipts
$247,964
Mission and Program Overview

Mission

Credit union - thrift services

Balance Sheet Detail
LineBeginningEndChange
Assets
Savings and Temporary Cash Investments$12,073,367--
Other Notes and Loans Receivable, Net$8,716,045--
Rtn Earn Endowment Incm Other Fnds$3,048,593--
Cash and Non-Interest-Bearing Accounts$2,480,947--
Land, Buildings, and Equipment, Net$922,779--
Prepaid Expenses and Deferred Charges$43,468--
Receivables From Officers Etc$10,364--
Investments in Publicly Traded Securities$7,001--
Total Assets$24,602,787$0▼ $24,602,787
Other Assets Total$348,816--
Liabilities
Other Liabilities$21,488,355--
Accounts Payable and Accrued Expenses$43,830--
Escrow Account Liability$22,009--
Total Liabilities$21,554,194$0▼ $21,554,194
Net Assets / Fund Balance
Total Net Assets Fund Balance$3,048,593$0▼ $3,048,593
Total Liabilities and Net Assets / Fund Balance$24,602,787$0▼ $24,602,787
Compensation and Service Providers
Top Officer PayScore unavailable

Employees

NameTitleFull / Part TimeBaseTotal
Thomas TurnerCEOFT$110,600$110,600
Michael ParrinoCLOFT$60,556$60,556

Board Members and Trustees

NameTitle
Keith HowardChairperson
Christine GirardVice Chairpe
John CiukDirector
Julia GiansiracusaDirector
Marion RoperDirector
Tara FerriterDirector
Michael StoddardEvp-CFO Grey
Elizabeth MilanesiSecretary
James RobinsonTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$160,080
Investment Income
$46,816
Other Revenue
$29,943
Change in Net Assets
$-236,805
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$294,688
Other Expenses$178,956
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Current Officers, Directors, Trustees, and Key Employees---$171,156
Other Salaries and Wages---$90,881
Occupancy---$56,199
Information Technology---$37,234
Interest---$25,867
Payroll Taxes---$20,537
Depreciation Depletion---$13,000
Other Employee Benefits---$12,114
Office Expenses---$9,813
Insurance---$7,135
All Other Expenses---$6,859
Other Expenses---$4,889
Fees for Services Legal---$2,326
Conferences and Meetings---$765
Total Functional Expenses$0$0$0$473,644
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$10,364--
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
No
Backup withholding compliance
Yes
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
Yes
Other officer compensation reviewed
Yes
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

Form 990, Page 6, Part VI, Line 6

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

Form 990, Page 6, Part VI, Line 7A

“Each member has a vote at the election of the board of directors.”

Form 990, Page 6, Part VI, Line 7B

“Any changes to the incorporating documents, i.e. By-law changes are approved by the board.”

Form 990, Page 6, Part VI, Line 11B

“The vp of finance and the cfo will review the completed form 990 and later reviewed by the board of directors. Due to the filing deadline of the return,the review will take place subsequent to filing.”

Form 990, Page 6, Part VI, Line 15A

“The human resource committee of the board recommends the ceo's salary to the full board.”

Form 990, Page 6, Part VI, Line 15B

“The human resource committee of the board recommends the ceo's salary to the full board.”

Form 990, Page 6, Part VI, Line 19

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

Filing and Contact Details

Filer

Filer Name
Landmark Credit Union
EIN
04-6042263
Phone
4132364000
Address
150 WEST ST, PITTSFIELD, MA 01201

Signing Officer

Name
Michael Stoddard
Title
Evp-CFO Greylock Cu
Phone
4136644926
Signed
2018-03-14
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Michael Stoddard
Formed
1940
Legal Domicile
Ma
Voting Board Members
8
Independent Board Members
8
Employees
8
Volunteers
8

Preparer

Firm
Garvey Steele & Company Llp
Address
PO BOX 397, MYSTIC, CT 06355-0397
Preparer
Richard B Steele CPA
Phone
8605369831
Supplemental Narrative

Additional Explanations

Form 990, Page 2, Part III, Line 4D

“Maintenance of members deposit and loan accounts.”

Form 990, Part XI, Line 9

“Merge into greylock c.u. -2,784,099 on april 30, 2017 landmark credit union was merged into greylock credit union. Assets at the time were 24,495,556, liabilities were 21,711,457. Net assets of 2,784,099 were merged into greylock.”

Financial Statement Notes

Schedule D, Page 2, Part IV, Line 2B

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

Raw XML Appendix378 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.

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IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0MORTGAGE ESCROW ACCOUNTS HELD FOR THE PAYMENT OF REAL ESTATE TAXES FOR MUNICIPALITIES.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0SCHEDULE D, PAGE 2, PART IV, LINE 2B
IRS990/ScheduleJRequiredInd0false
IRS990ScheduleN/DirectorOfSuccessor2Ind0false
IRS990ScheduleN/DispositionOfAssetsDetail/AssetsDistriOrExpnssPaidDesc0NET ASSETS TO GREYLOCK
IRS990ScheduleN/DispositionOfAssetsDetail/BusinessName/BusinessNameLine1Txt0GREYLOCK FEDERAL CREDIT UNION
IRS990ScheduleN/DispositionOfAssetsDetail/BusinessName/BusinessNameLine2Txt0GREYLOCK CREDIT UNION
IRS990ScheduleN/DispositionOfAssetsDetail/DistributionDt02017-04-30
IRS990ScheduleN/DispositionOfAssetsDetail/EIN0042230576
IRS990ScheduleN/DispositionOfAssetsDetail/IRCSectionTxt014
IRS990ScheduleN/DispositionOfAssetsDetail/USAddress/AddressLine1Txt0150 WEST ST
IRS990ScheduleN/DispositionOfAssetsDetail/USAddress/AddressLine2Txt0150 WEST ST
IRS990ScheduleN/DispositionOfAssetsDetail/USAddress/CityNm0PITTSFIELD
IRS990ScheduleN/DispositionOfAssetsDetail/USAddress/StateAbbreviationCd0MA
IRS990ScheduleN/DispositionOfAssetsDetail/USAddress/ZIPCd001210
IRS990ScheduleN/EmployeeOfSuccessor2Ind0true
IRS990ScheduleN/OwnerOfSuccessor2Ind0false
IRS990ScheduleN/ReceiveCompensation2Ind0false
IRS990ScheduleN/SupplementalInformationDetail/ExplanationTxt0MICHAEL PARRINO, CHIEF LENDING OFFICER OF LANDMARK STAYED ON AS AN EMPLOYEE OF GREYLOCK FEDERAL CREDIT UNION. HE IS NOT AN OFFICER OR BOARD MEMBER OF GREYLOCK HOWEVER.
IRS990ScheduleN/SupplementalInformationDetail/FormAndLineReferenceDesc0SCHEDULE N, PART II, PAGE 2, LINE 2E
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0MAINTENANCE OF MEMBERS DEPOSIT AND LOAN ACCOUNTS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1PERSONS WHO MEET THE REQUIREMENTS OF TEHE ORGANIZATION'S FIELD OF MEMBERSHIP WHO HOLD AT LEAST ONE SHARE OF THE CAPITAL.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2EACH MEMBER HAS A VOTE AT THE ELECTION OF THE BOARD OF DIRECTORS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3ANY CHANGES TO THE INCORPORATING DOCUMENTS, I.E. BY-LAW CHANGES ARE APPROVED BY THE BOARD.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4THE VP OF FINANCE AND THE CFO WILL REVIEW THE COMPLETED FORM 990 AND LATER REVIEWED BY THE BOARD OF DIRECTORS. DUE TO THE FILING DEADLINE OF THE RETURN,THE REVIEW WILL TAKE PLACE SUBSEQUENT TO FILING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5THE HUMAN RESOURCE COMMITTEE OF THE BOARD RECOMMENDS THE CEO'S SALARY TO THE FULL BOARD.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6THE HUMAN RESOURCE COMMITTEE OF THE BOARD RECOMMENDS THE CEO'S SALARY TO THE FULL BOARD.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7INFORMATION IS POSTED IN THE CREDIT UNION LOBBY AND/OR AVAILABLE UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt8MERGE INTO GREYLOCK C.U. -2,784,099 ON APRIL 30, 2017 LANDMARK CREDIT UNION WAS MERGED INTO GREYLOCK CREDIT UNION. ASSETS AT THE TIME WERE 24,495,556, LIABILITIES WERE 21,711,457. NET ASSETS OF 2,784,099 WERE MERGED INTO GREYLOCK.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PAGE 2, PART III, LINE 4D
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PAGE 6, PART VI, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PAGE 6, PART VI, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PAGE 6, PART VI, LINE 7B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PAGE 6, PART VI, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PAGE 6, PART VI, LINE 15A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PAGE 6, PART VI, LINE 15B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7FORM 990, PAGE 6, PART VI, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc8FORM 990, PART XI, LINE 9
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/StatesWhereCopyOfReturnIsFldCd0MA
IRS990/SubjectToProxyTaxInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt024602787
IRS990/TotalAssetsEOYAmt00
IRS990/TotalAssetsGrp/BOYAmt024602787
IRS990/TotalAssetsGrp/EOYAmt00
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt08
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt0473644
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt021554194
IRS990/TotalLiabilitiesEOYAmt00
IRS990/TotalLiabilitiesGrp/BOYAmt021554194
IRS990/TotalLiabilitiesGrp/EOYAmt00
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt03048593
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt00
IRS990/TotalProgramServiceRevenueAmt0160080
IRS990/TotalReportableCompFromOrgAmt0171156
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0236839
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0236839
IRS990/TotalVolunteersCnt08
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt024602787
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt00
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt0150 WEST ST
IRS990/USAddress/CityNm0PITTSFIELD
IRS990/USAddress/StateAbbreviationCd0MA
IRS990/USAddress/ZIPCd001201
IRS990/VotingMembersGoverningBodyCnt08
IRS990/VotingMembersIndependentCnt08
IRS990/WebsiteAddressTxt0WWW.LANDMARK-CU.COM
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02018-06-14 16:35:46Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0MICHAEL STODDARD
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0EVP-CFO GREYLOCK CU
ReturnHeader/BusinessOfficerGrp/PhoneNum04136644926
ReturnHeader/BusinessOfficerGrp/SignatureDt02018-03-14
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0LANDMARK CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0LAND
ReturnHeader/Filer/EIN0046042263
ReturnHeader/Filer/PhoneNum04132364000
ReturnHeader/Filer/USAddress/AddressLine1Txt0150 WEST ST
ReturnHeader/Filer/USAddress/CityNm0PITTSFIELD
ReturnHeader/Filer/USAddress/StateAbbreviationCd0MA
ReturnHeader/Filer/USAddress/ZIPCd001201
ReturnHeader/FilingSecurityInformation/AtSubmissionCreationDeviceId097DB9962C47C60A4FA4E0617B85582D50FB1056D
ReturnHeader/FilingSecurityInformation/AtSubmissionFilingDeviceId00DB47BAB6B0BC72DDBF5BAC695223E6FE8697976
ReturnHeader/FilingSecurityInformation/FilingLicenseTypeCd0P
ReturnHeader/FilingSecurityInformation/IPAddress/IPv4AddressTxt023.30.174.89
ReturnHeader/FilingSecurityInformation/IPDt02018-03-15
ReturnHeader/FilingSecurityInformation/IPTimezoneCd0CD
ReturnHeader/FilingSecurityInformation/IPTm013:44:57
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0472604526
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0GARVEY STEELE & COMPANY LLP
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt0PO BOX 397
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0MYSTIC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0CT
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd0063550397
ReturnHeader/PreparerPersonGrp/PhoneNum08605369831
ReturnHeader/PreparerPersonGrp/PreparationDt02018-03-15
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0RICHARD B STEELE CPA
ReturnHeader/ReturnTs02018-03-15T14:44:57-04:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02017-01-01
ReturnHeader/TaxPeriodEndDt02017-04-30
ReturnHeader/TaxYr02017

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