Liabilities / Assets
35th percentile
Higher debt load relative to assets than 35% of similar nonprofits.
Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.
Liabilities / Assets
35th percentile
Higher debt load relative to assets than 35% of similar nonprofits.
Liabilities / Revenue
89th percentile
Higher debt load relative to revenue than 89% of similar nonprofits.
Net Margin
2nd percentile
Higher net margin than 2% of similar nonprofits.
Top Officer Pay
47th percentile
Higher top officer pay than 47% of similar nonprofits.
Top officer pay equals 11.7% of source-year revenue.
Asset Growth
54th percentile
Faster asset growth than 54% of similar nonprofits.
Revenue Growth
34th percentile
Faster revenue growth than 34% of similar nonprofits.
Assets
Up$27,992,216
Up $562,681 (+2.1%) from 2013
Net Assets
Down$3,889,031
Down $205,591 (-5.0%) from 2013
Liabilities
Up$24,103,185
Up $768,272 (+3.3%) from 2013
Revenue
Down$802,241
Down $23,884 (-2.9%) from 2013
Expenses
Up$1,022,885
Up $115,453 (+13%) from 2013
Net Income
Down-$220,644
Down $139,337 (-171%) from 2013
Alpha Credit Union is a full service, member owned financial institution whose purpose is to promote thrift and to loan money at fair and reasonable rates of interest. We are not for profit, not charity, but rather for our members' service and benefit.
Credit Union: Provide accounts and loans to members with a current membership of 5092.
| Line | Beginning | End | Change |
|---|---|---|---|
| Assets | |||
| Savings and Temporary Cash Investments | $20,337,022 | $18,649,721 | ▼ $1,687,301 |
| Other Notes and Loans Receivable, Net | $5,608,208 | $7,719,298 | ▲ $2,111,090 |
| Cap Stk Tr Prin Current Funds | $4,094,622 | $3,889,031 | ▼ $205,591 |
| Investments in Publicly Traded Securities | $761,866 | $777,568 | ▲ $15,702 |
| Cash and Non-Interest-Bearing Accounts | $391,793 | $502,044 | ▲ $110,251 |
| Prepaid Expenses and Deferred Charges | $37,720 | $97,595 | ▲ $59,875 |
| Receivables From Officers Etc | $47,725 | $9,158 | ▼ $38,567 |
| Land, Buildings, and Equipment, Net | $5,952 | $3,571 | ▼ $2,381 |
| Pd in Cap Srpls Land Bldg Eqp Fund | $0 | $0 | → $0 |
| Rtn Earn Endowment Incm Other Fnds | $0 | $0 | → $0 |
| Total Assets | $27,429,535 | $27,992,216 | ▲ $562,681 |
| Other Assets Total | $239,249 | $233,261 | ▼ $5,988 |
| Liabilities | |||
| Other Liabilities | $23,326,093 | $24,043,586 | ▲ $717,493 |
| Accounts Payable and Accrued Expenses | $8,820 | $59,599 | ▲ $50,779 |
| Total Liabilities | $23,334,913 | $24,103,185 | ▲ $768,272 |
| Net Assets / Fund Balance | |||
| Total Net Assets Fund Balance | $4,094,622 | $3,889,031 | ▼ $205,591 |
| Total Liabilities and Net Assets / Fund Balance | $27,429,535 | $27,992,216 | ▲ $562,681 |
| Asset | Book Value | Depreciation | Basis |
|---|---|---|---|
| Buildings | $0 | $0 | $0 |
| Other Land Buildings | $0 | $0 | $0 |
| Land | $0 | - | $0 |
| Equipment | $3,571 | $36,326 | $0 |
| Leasehold Improvements | $0 | $0 | $0 |
| Name | Title | Full / Part Time | Base | Total |
|---|---|---|---|---|
| Joette DeMeo | CEO | FT | $93,750 | $93,750 |
| Name | Title |
|---|---|
| Peter Macaulay | Chairman |
| Donna Williams | Board Member |
| Jeannette Blackler | Board Member |
| Kristine Hanscom | Board Member |
| Laura Schifferdecker | Board Member |
| Patricia Hayward Esq | Board Member |
| William MacKay | Board Member |
| Mary Leupold | Secretary |
| James Huddleston | Treasurer |
| Line Item | Amount |
|---|---|
| Other Expenses | $607,038 |
| Salaries, Compensation, and Employee Benefits | $415,847 |
| Grants and Similar Amounts Paid | $0 |
| Professional Fundraising Fees | $0 |
| Total Fundraising Expense | $0 |
| Line Item | Program | Management | Fundraising | Total |
|---|---|---|---|---|
| Other Salaries and Wages | - | - | - | $415,847 |
| Information Technology | - | - | - | $178,468 |
| Office Expenses | - | - | - | $57,952 |
| Fees for Services Accounting | - | - | - | $38,836 |
| Occupancy | - | - | - | $38,237 |
| Interest | - | - | - | $23,140 |
| Other Expenses | - | - | - | $18,700 |
| Advertising | - | - | - | $12,944 |
| Insurance | - | - | - | $9,832 |
| Depreciation Depletion | - | - | - | $3,672 |
| Conferences and Meetings | - | - | - | $1,022 |
| Total Functional Expenses | $0 | $0 | $0 | $1,022,885 |
| Line Item | Amount |
|---|---|
| Expenses per Audited Statements | $1,022,885 |
| Total Expenses per Audited Statements | $1,022,885 |
| Total Expenses per Form 990 | $1,022,885 |
| Expenses Not Reported on Financial Statements | $0 |
| Expenses Not Reported on Form 990 | $0 |
| Other Expense Adjustments | $0 |
| Line Item | Amount |
|---|---|
| Professional Fundraising Fees | $0 |
| Line Item | Beginning | End | Change |
|---|---|---|---|
| Receivables from Officers, Directors, Trustees, and Key Employees | $47,725 | $9,158 | ▼ $38,567 |
| Liability | Amount |
|---|---|
| Members Shares | $24,043,586 |
“Credit Unions are comprised of members. Every account holder is a member.”
“The members elect and vote on a governing body”
“Each member has one vote at the election of Board of Directors”
“Minutes are maintained for monthly meetings held by the Directors”
“Each committee maintained minutes for the corresponding monthly meetings”
“Board of Directors review the completed form prior to filing”
“Directors are required at least annually to report any conflicts at our Annual Meeting”
“Policies are maintained and reviewed annually by the Board of Directors”
“The CEO salary was reviewed and approved by the Board of Directors”
“Statements are posted in the lobby”
“Participation Loans”
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 | 8820 |
| IRS990/AccountsPayableAccrExpnssGrp/EOYAmt | 0 | 59599 |
| IRS990/ActivitiesConductedPrtshpInd | 0 | 0 |
| IRS990/ActivityOrMissionDesc | 0 | Credit Union: Provide accounts and loans to members with a current membership of 5092. |
| IRS990/AdvertisingGrp/TotalAmt | 0 | 12944 |
| IRS990/AnnualDisclosureCoveredPrsnInd | 0 | 1 |
| IRS990/AuditCommitteeInd | 0 | 1 |
| IRS990/BackupWthldComplianceInd | 0 | 0 |
| IRS990/BooksInCareOfDetail/PersonNm | 0 | Joette DeMeo |
| IRS990/BooksInCareOfDetail/PhoneNum | 0 | 6176328164 |
| IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt | 0 | One Deaconess Road |
| IRS990/BooksInCareOfDetail/USAddress/CityNm | 0 | Boston |
| IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd | 0 | MA |
| IRS990/BooksInCareOfDetail/USAddress/ZIPCd | 0 | 022155321 |
| IRS990/BusinessRlnWithFamMemInd | 0 | 0 |
| IRS990/BusinessRlnWithOfficerEntInd | 0 | 0 |
| IRS990/BusinessRlnWithOrgMemInd | 0 | 0 |
| IRS990/CapStkTrPrinCurrentFundsGrp/BOYAmt | 0 | 4094622 |
| IRS990/CapStkTrPrinCurrentFundsGrp/EOYAmt | 0 | 3889031 |
| IRS990/CashNonInterestBearingGrp/BOYAmt | 0 | 391793 |
| IRS990/CashNonInterestBearingGrp/EOYAmt | 0 | 502044 |
| IRS990/ChangeToOrgDocumentsInd | 0 | 0 |
| IRS990/CntrctRcvdGreaterThan100KCnt | 0 | 0 |
| IRS990/CollectionsOfArtInd | 0 | 0 |
| IRS990/CompensationFromOtherSrcsInd | 0 | 0 |
| IRS990/CompensationProcessCEOInd | 0 | 1 |
| IRS990/CompensationProcessOtherInd | 0 | 1 |
| IRS990/ConferencesMeetingsGrp/TotalAmt | 0 | 1022 |
| IRS990/ConflictOfInterestPolicyInd | 0 | 1 |
| IRS990/ConservationEasementsInd | 0 | 0 |
| IRS990/ConsolidatedAuditFinclStmtInd | 0 | 0 |
| IRS990/CreditCounselingInd | 0 | 0 |
| IRS990/CYBenefitsPaidToMembersAmt | 0 | 0 |
| IRS990/CYContributionsGrantsAmt | 0 | 0 |
| IRS990/CYGrantsAndSimilarPaidAmt | 0 | 0 |
| IRS990/CYInvestmentIncomeAmt | 0 | 180877 |
| IRS990/CYOtherExpensesAmt | 0 | 607038 |
| IRS990/CYOtherRevenueAmt | 0 | 0 |
| IRS990/CYProgramServiceRevenueAmt | 0 | 621364 |
| IRS990/CYRevenuesLessExpensesAmt | 0 | -220644 |
| IRS990/CYSalariesCompEmpBnftPaidAmt | 0 | 415847 |
| IRS990/CYTotalExpensesAmt | 0 | 1022885 |
| IRS990/CYTotalFundraisingExpenseAmt | 0 | 0 |
| IRS990/CYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/CYTotalRevenueAmt | 0 | 802241 |
| IRS990/DecisionsSubjectToApprovaInd | 0 | 1 |
| IRS990/DeductibleArtContributionInd | 0 | 0 |
| IRS990/DeductibleNonCashContriInd | 0 | 0 |
| IRS990/DelegationOfMgmtDutiesInd | 0 | 0 |
| IRS990/DepreciationDepletionGrp/TotalAmt | 0 | 3672 |
| IRS990/Desc | 0 | Provide accounts and loans to members. |
| 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 | 0 |
| IRS990/FamilyOrBusinessRlnInd | 0 | 0 |
| IRS990/FederalGrantAuditRequiredInd | 0 | 0 |
| IRS990/FeesForServicesAccountingGrp/TotalAmt | 0 | 38836 |
| IRS990/ForeignActivitiesInd | 0 | 0 |
| IRS990/ForeignFinancialAccountInd | 0 | 0 |
| IRS990/ForeignOfficeInd | 0 | 0 |
| IRS990/Form8886TFiledInd | 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/AverageHoursPerWeekRt | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 6 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 7 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 8 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 9 | 40 |
| IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd | 0 | X |
| 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/KeyEmployeeInd | 0 | 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/PersonNm | 0 | Peter Macaulay |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 1 | Donna Williams |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 2 | William MacKay |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 3 | James Huddleston |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 4 | Mary Leupold |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 5 | Kristine Hanscom |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 6 | Patricia Hayward Esq |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 7 | Jeannette Blackler |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 8 | Laura Schifferdecker |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 9 | Joette DeMeo |
| 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 | 93750 |
| 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/TitleTxt | 0 | Chairman |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 1 | Board Member |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 2 | Board Member |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 3 | Treasurer |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 4 | Secretary |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 5 | Board Member |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 6 | Board Member |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 7 | Board Member |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 8 | Board Member |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 9 | CEO |
| IRS990/Form990ProvidedToGvrnBodyInd | 0 | 1 |
| IRS990/FormationYr | 0 | 1942 |
| IRS990/FormerOfcrEmployeesListedInd | 0 | 0 |
| IRS990/FSAuditedBasisGrp/ConsolidatedBasisFinclStmtInd | 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 | 9 |
| IRS990/GrantsToIndividualsInd | 0 | 0 |
| IRS990/GrantsToOrganizationsInd | 0 | 0 |
| IRS990/GrantToRelatedPersonInd | 0 | 0 |
| IRS990/GrossReceiptsAmt | 0 | 802241 |
| IRS990/GroupReturnForAffiliatesInd | 0 | 0 |
| IRS990/IncludeFIN48FootnoteInd | 0 | 0 |
| 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 | 9 |
| IRS990/IndivRcvdGreaterThan100KCnt | 0 | 0 |
| IRS990/IndoorTanningServicesInd | 0 | 0 |
| IRS990/InfoInScheduleOPartIIIInd | 0 | X |
| IRS990/InfoInScheduleOPartVIInd | 0 | X |
| IRS990/InformationTechnologyGrp/TotalAmt | 0 | 178468 |
| IRS990/InitialReturnInd | 0 | X |
| IRS990/InsuranceGrp/TotalAmt | 0 | 9832 |
| IRS990/InterestGrp/TotalAmt | 0 | 23140 |
| IRS990/InvestmentExpenseAmt | 0 | 0 |
| IRS990/InvestmentIncomeGrp/ExclusionAmt | 0 | 0 |
| IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt | 0 | 180877 |
| IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt | 0 | 180877 |
| IRS990/InvestmentIncomeGrp/UnrelatedBusinessRevenueAmt | 0 | 0 |
| IRS990/InvestmentInJointVentureInd | 0 | 0 |
| IRS990/InvestmentsPubTradedSecGrp/BOYAmt | 0 | 761866 |
| IRS990/InvestmentsPubTradedSecGrp/EOYAmt | 0 | 777568 |
| IRS990/IRPDocumentCnt | 0 | 0 |
| IRS990/IRPDocumentW2GCnt | 0 | 0 |
| IRS990/LandBldgEquipAccumDeprecAmt | 0 | 36326 |
| IRS990/LandBldgEquipBasisNetGrp/BOYAmt | 0 | 5952 |
| IRS990/LandBldgEquipBasisNetGrp/EOYAmt | 0 | 3571 |
| IRS990/LandBldgEquipCostOrOtherBssAmt | 0 | 39897 |
| IRS990/LegalDomicileStateCd | 0 | MA |
| IRS990/LoanOutstandingInd | 0 | 1 |
| IRS990/LocalChaptersInd | 0 | 0 |
| IRS990/MaterialDiversionOrMisuseInd | 0 | 0 |
| IRS990/MembersOrStockholdersInd | 0 | 1 |
| IRS990/MethodOfAccountingCashInd | 0 | X |
| IRS990/MinutesOfCommitteesInd | 0 | 1 |
| IRS990/MinutesOfGoverningBodyInd | 0 | 1 |
| IRS990/MissionDesc | 0 | Alpha Credit Union is a full service, member owned financial institution whose purpose is to promote thrift and to loan money at fair and reasonable rates of interest. We are not for profit, not charity, but rather for our members' service and benefit. |
| IRS990/MoreThan5000KToIndividualsInd | 0 | 0 |
| IRS990/MoreThan5000KToOrgInd | 0 | 0 |
| IRS990/NetAssetsOrFundBalancesBOYAmt | 0 | 4094622 |
| IRS990/NetAssetsOrFundBalancesEOYAmt | 0 | 3889031 |
| IRS990/NetUnrelatedBusTxblIncmAmt | 0 | 0 |
| IRS990/NetUnrlzdGainsLossesInvstAmt | 0 | 15053 |
| IRS990/NondeductibleContributionsInd | 0 | 0 |
| IRS990/OccupancyGrp/TotalAmt | 0 | 38237 |
| IRS990/OfficeExpensesGrp/TotalAmt | 0 | 57952 |
| IRS990/OfficerMailingAddressInd | 0 | 0 |
| IRS990/OperateHospitalInd | 0 | 0 |
| IRS990/Organization501cInd | 0 | X |
| IRS990/OrgDoesNotFollowSFAS117Ind | 0 | X |
| IRS990/OtherAssetsTotalGrp/BOYAmt | 0 | 239249 |
| IRS990/OtherAssetsTotalGrp/EOYAmt | 0 | 233261 |
| IRS990/OtherChangesInNetAssetsAmt | 0 | 0 |
| IRS990/OtherExpensesGrp/Desc | 0 | Loan Servicing Exp |
| IRS990/OtherExpensesGrp/Desc | 1 | Provision Loan Loss |
| IRS990/OtherExpensesGrp/Desc | 2 | ATM expenses |
| IRS990/OtherExpensesGrp/Desc | 3 | Bank Fees |
| IRS990/OtherExpensesGrp/TotalAmt | 0 | 15847 |
| IRS990/OtherExpensesGrp/TotalAmt | 1 | 91896 |
| IRS990/OtherExpensesGrp/TotalAmt | 2 | 116492 |
| IRS990/OtherExpensesGrp/TotalAmt | 3 | 18700 |
| IRS990/OtherLiabilitiesGrp/BOYAmt | 0 | 23326093 |
| IRS990/OtherLiabilitiesGrp/EOYAmt | 0 | 24043586 |
| IRS990/OtherOrganizationDsc | 0 | Credit Union |
| IRS990/OtherRevenueTotalAmt | 0 | 0 |
| IRS990/OtherSalariesAndWagesGrp/TotalAmt | 0 | 415847 |
| IRS990/OthNotesLoansReceivableNetGrp/BOYAmt | 0 | 5608208 |
| IRS990/OthNotesLoansReceivableNetGrp/EOYAmt | 0 | 7719298 |
| IRS990/PartialLiquidationInd | 0 | 0 |
| IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt | 0 | 0 |
| IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt | 0 | 0 |
| IRS990/PoliticalCampaignActyInd | 0 | 0 |
| IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt | 0 | 37720 |
| IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt | 0 | 97595 |
| IRS990/PrincipalOfcrBusinessName/BusinessNameLine1Txt | 0 | Alpha Credit Union |
| IRS990/PriorPeriodAdjustmentsAmt | 0 | 0 |
| IRS990/ProfessionalFundraisingInd | 0 | 0 |
| IRS990/ProhibitedTaxShelterTransInd | 0 | 1 |
| IRS990/PYRevenuesLessExpensesAmt | 0 | 0 |
| IRS990/PYTotalExpensesAmt | 0 | 0 |
| IRS990/PYTotalRevenueAmt | 0 | 0 |
| IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt | 0 | 47725 |
| IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt | 0 | 9158 |
| IRS990/ReconcilationRevenueExpnssAmt | 0 | -220644 |
| 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/RoyaltiesRevenueGrp/ExclusionAmt | 0 | 0 |
| IRS990/RoyaltiesRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 0 |
| IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt | 0 | 0 |
| IRS990/RoyaltiesRevenueGrp/UnrelatedBusinessRevenueAmt | 0 | 0 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt | 0 | 0 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt | 0 | 0 |
| IRS990/SavingsAndTempCashInvstGrp/BOYAmt | 0 | 20337022 |
| IRS990/SavingsAndTempCashInvstGrp/EOYAmt | 0 | 18649721 |
| IRS990/ScheduleBRequiredInd | 0 | 0 |
| IRS990ScheduleD/BuildingsGrp/BookValueAmt | 0 | 0 |
| IRS990ScheduleD/BuildingsGrp/DepreciationAmt | 0 | 0 |
| IRS990ScheduleD/BuildingsGrp/InvestmentCostOrOtherBasisAmt | 0 | 0 |
| IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt | 0 | 0 |
| IRS990ScheduleD/DonatedServicesAndUseFcltsAmt | 0 | 0 |
| IRS990ScheduleD/DonatedServicesUseFcltsAmt | 0 | 0 |
| IRS990ScheduleD/EquipmentGrp/BookValueAmt | 0 | 3571 |
| IRS990ScheduleD/EquipmentGrp/DepreciationAmt | 0 | 36326 |
| IRS990ScheduleD/EquipmentGrp/InvestmentCostOrOtherBasisAmt | 0 | 39897 |
| IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt | 0 | 0 |
| IRS990ScheduleD/ExpensesNotReportedAmt | 0 | 0 |
| IRS990ScheduleD/ExpensesNotRptFinclStmtAmt | 0 | 0 |
| IRS990ScheduleD/ExpensesSubtotalAmt | 0 | 1022885 |
| IRS990ScheduleD/FederalIncomeTaxLiabilityAmt | 0 | 0 |
| IRS990ScheduleD/InvestmentExpensesNotIncld2Amt | 0 | 0 |
| IRS990ScheduleD/InvestmentExpensesNotIncldAmt | 0 | 0 |
| IRS990ScheduleD/LandGrp/BookValueAmt | 0 | 0 |
| IRS990ScheduleD/LandGrp/InvestmentCostOrOtherBasisAmt | 0 | 0 |
| 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 | -53413 |
| IRS990ScheduleD/OtherExpensesIncludedAmt | 0 | 0 |
| IRS990ScheduleD/OtherExpensesNotIncludedAmt | 0 | 0 |
| IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt | 0 | 0 |
| IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt | 0 | 0 |
| IRS990ScheduleD/OtherLandBuildingsGrp/InvestmentCostOrOtherBasisAmt | 0 | 0 |
| IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt | 0 | 0 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 0 | 24043586 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 0 | Members Shares |
| IRS990ScheduleD/OtherRevenueAmt | 0 | 0 |
| IRS990ScheduleD/OtherRevenuesNotIncludedAmt | 0 | 0 |
| IRS990ScheduleD/PriorYearAdjustmentsAmt | 0 | 0 |
| IRS990ScheduleD/RecoveriesPriorYearGrantsAmt | 0 | 0 |
| IRS990ScheduleD/RevenueNotReportedAmt | 0 | -53413 |
| IRS990ScheduleD/RevenueNotReportedFinclStmtAmt | 0 | 0 |
| IRS990ScheduleD/RevenueSubtotalAmt | 0 | 802241 |
| IRS990ScheduleD/TotalBookValueLandBuildingsAmt | 0 | 3571 |
| IRS990ScheduleD/TotalExpensesPerForm990Amt | 0 | 1022885 |
| IRS990ScheduleD/TotalLiabilityAmt | 0 | 24043586 |
| IRS990ScheduleD/TotalRevenuePerForm990Amt | 0 | 802241 |
| IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt | 0 | 748828 |
| IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt | 0 | 1022885 |
| IRS990/ScheduleJRequiredInd | 0 | 0 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt | 0 | 9214 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd | 0 | 1 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd | 0 | 0 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd | 0 | X |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt | 0 | Home Equity |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt | 0 | 15000 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm | 0 | Peter Macaulay |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt | 0 | Chairman Board |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd | 0 | 1 |
| IRS990ScheduleL/TotalBalanceDueAmt | 0 | 9214 |
| IRS990/ScheduleORequiredInd | 0 | 1 |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 0 | Participation Loans |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 1 | Credit Unions are comprised of members. Every account holder is a member. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 2 | The members elect and vote on a governing body |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 3 | Each member has one vote at the election of Board of Directors |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 4 | Minutes are maintained for monthly meetings held by the Directors |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 5 | Each committee maintained minutes for the corresponding monthly meetings |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 6 | Board of Directors review the completed form prior to filing |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 7 | Directors are required at least annually to report any conflicts at our Annual Meeting |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 8 | Policies are maintained and reviewed annually by the Board of Directors |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 9 | The CEO salary was reviewed and approved by the Board of Directors |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 10 | Statements are posted in the lobby |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 0 | Form 990, Part III, Line 2 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 1 | Form 990, Part VI, Section A, Line 6 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 2 | Form 990, Part VI, Section A, Line 7a |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 3 | Form 990, Part VI, Section A, Line 7b |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 4 | Form 990, Part VI, Section A, Line 8a |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 5 | Form 990, Part VI, Section A, Line 8b |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 6 | Form 990, Part VI, Section B, Line 11b |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 7 | Form 990, Part VI, Section B, Line 12c |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 8 | Form 990, Part VI, Section B, Line 14 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 9 | Form 990, Part VI, Section B, Line 15 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 10 | Form 990, Part VI, Section C, Line 19 |
| IRS990/SchoolOperatingInd | 0 | 0 |
| IRS990/SignificantChangeInd | 0 | 0 |
| IRS990/SignificantNewProgramSrvcInd | 0 | 1 |
| IRS990/StatesWhereCopyOfReturnIsFldCd | 0 | MA |
| IRS990/SubjectToProxyTaxInd | 0 | 0 |
| IRS990/TaxablePartyNotificationInd | 0 | 0 |
| IRS990/TaxExemptBondsInd | 0 | 0 |
| IRS990/TempOrPermanentEndowmentsInd | 0 | 0 |
| IRS990/TerminateOperationsInd | 0 | 0 |
| IRS990/TotalAssetsBOYAmt | 0 | 27429535 |
| IRS990/TotalAssetsEOYAmt | 0 | 27992216 |
| IRS990/TotalAssetsGrp/BOYAmt | 0 | 27429535 |
| IRS990/TotalAssetsGrp/EOYAmt | 0 | 27992216 |
| IRS990/TotalCompGreaterThan150KInd | 0 | 0 |
| IRS990/TotalContributionsAmt | 0 | 0 |
| IRS990/TotalEmployeeCnt | 0 | 0 |
| IRS990/TotalFunctionalExpensesGrp/FundraisingAmt | 0 | 0 |
| IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt | 0 | 0 |
| IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt | 0 | 0 |
| IRS990/TotalFunctionalExpensesGrp/TotalAmt | 0 | 1022885 |
| IRS990/TotalGrossUBIAmt | 0 | 0 |
| IRS990/TotalLiabilitiesBOYAmt | 0 | 23334913 |
| IRS990/TotalLiabilitiesEOYAmt | 0 | 24103185 |
| IRS990/TotalLiabilitiesGrp/BOYAmt | 0 | 23334913 |
| IRS990/TotalLiabilitiesGrp/EOYAmt | 0 | 24103185 |
| IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt | 0 | 4094622 |
| IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt | 0 | 3889031 |
| IRS990/TotalOtherCompensationAmt | 0 | 0 |
| IRS990/TotalOtherProgSrvcExpenseAmt | 0 | 0 |
| IRS990/TotalOtherProgSrvcGrantAmt | 0 | 0 |
| IRS990/TotalOtherProgSrvcRevenueAmt | 0 | 0 |
| IRS990/TotalOthProgramServiceRevGrp/ExclusionAmt | 0 | 0 |
| IRS990/TotalOthProgramServiceRevGrp/RelatedOrExemptFuncIncomeAmt | 0 | 621364 |
| IRS990/TotalOthProgramServiceRevGrp/TotalRevenueColumnAmt | 0 | 621364 |
| IRS990/TotalOthProgramServiceRevGrp/UnrelatedBusinessRevenueAmt | 0 | 0 |
| IRS990/TotalProgramServiceExpensesAmt | 0 | 0 |
| IRS990/TotalProgramServiceRevenueAmt | 0 | 621364 |
| IRS990/TotalReportableCompFromOrgAmt | 0 | 93750 |
| IRS990/TotalRevenueGrp/ExclusionAmt | 0 | 0 |
| IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 802241 |
| IRS990/TotalRevenueGrp/TotalRevenueColumnAmt | 0 | 802241 |
| IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt | 0 | 0 |
| IRS990/TotalVolunteersCnt | 0 | 9 |
| IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt | 0 | 27429535 |
| IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt | 0 | 27992216 |
| IRS990/TotReportableCompRltdOrgAmt | 0 | 0 |
| IRS990/TypeOfOrganizationOtherInd | 0 | X |
| IRS990/UnrelatedBusIncmOverLimitInd | 0 | 0 |
| IRS990/UponRequestInd | 0 | X |
| IRS990/USAddress/AddressLine1Txt | 0 | One Deaconess Road |
| IRS990/USAddress/CityNm | 0 | Boston |
| IRS990/USAddress/StateAbbreviationCd | 0 | MA |
| IRS990/USAddress/ZIPCd | 0 | 02215 |
| IRS990/VotingMembersGoverningBodyCnt | 0 | 9 |
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Displayed year
2014 • Form 990Detailed filing. Detailed filing data is available for this year.