Civic Intelligence

Luso-American Credit Union

EIN 04-6066641 • 501(c)14 • Peabody, MA

View Organization Page

Profile

Our mission is to provide our members high quality personalized services and competitive rates.

37 Tremont StreetPeabody, MA 01960

www.luso-american.com

Siviq Scores

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

Liabilities / Assets

17th percentile

0.85x

Higher debt load relative to assets than 17% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Source year 2024

Liabilities / Revenue

76th percentile

17.46x

Higher debt load relative to revenue than 76% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Source year 2024

Net Margin

78th percentile

19%

Higher net margin than 78% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Source year 2024

Top Officer Pay

18th percentile

$169,989

Higher top officer pay than 18% of similar nonprofits.

Top officer pay equals 2.8% of source-year revenue.

501(c)14 • $100M-$250M nonprofits • Source year 2024

Asset Growth

42nd percentile

1.8%

Faster asset growth than 42% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Annualized from 2023 to 2024

Revenue Growth

26th percentile

7.7%

Faster revenue growth than 26% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets17th percentile

Assets

Up

$124,098,435

Up $2,229,796 (+1.8%) from 2023

Liabilities

Up

$105,425,699

Up $1,059,378 (+1.0%) from 2023

Net Assets

Up

$18,672,736

Up $1,170,418 (+6.7%) from 2023

Operations
Liabilities / Revenue76th percentileNet Margin78th percentile

Revenue

Up

$6,037,220

Up $430,753 (+7.7%) from 2023

Expenses

Up

$4,866,802

Up $868,815 (+22%) from 2023

Net Income

Down

$1,170,418

Down $438,062 (-27%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth42nd percentile

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

$150M$100M$50M$0Assets 2010: $68,281,715Liabilities 2010: $57,502,016Net Assets 2010: $10,779,6992010Assets 2011: $71,262,777Liabilities 2011: $59,677,430Net Assets 2011: $11,585,3472011Assets 2012: $74,621,115Liabilities 2012: $62,754,452Net Assets 2012: $11,866,6632012Assets 2013: $76,271,002Liabilities 2013: $65,312,613Net Assets 2013: $10,958,3892013Assets 2014: $78,442,230Liabilities 2014: $66,223,717Net Assets 2014: $12,218,5132014Assets 2015: $82,901,389Liabilities 2015: $70,862,213Net Assets 2015: $12,039,1762015Assets 2016: $89,365,248Liabilities 2016: $77,073,790Net Assets 2016: $12,291,4582016Assets 2017: $91,247,718Liabilities 2017: $78,515,435Net Assets 2017: $12,732,2832017Assets 2018: $94,536,034Liabilities 2018: $81,083,124Net Assets 2018: $13,452,9102018Assets 2019: $94,533,360Liabilities 2019: $80,332,577Net Assets 2019: $14,200,7832019Assets 2020: $109,683,845Liabilities 2020: $94,938,591Net Assets 2020: $14,745,2542020Assets 2021: $127,835,727Liabilities 2021: $112,538,284Net Assets 2021: $15,297,4432021Assets 2022: $127,004,099Liabilities 2022: $111,110,261Net Assets 2022: $15,893,8382022Assets 2023: $121,868,639Liabilities 2023: $104,366,321Net Assets 2023: $17,502,3182023Assets 2024: $124,098,435Liabilities 2024: $105,425,699Net Assets 2024: $18,672,7362024

Highlighted filing

2024

Assets$124,098,435
Liabilities$105,425,699
Net Assets$18,672,736
Open 2024 Filing

Operations Trend

Revenue Growth26th percentile

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

$8.0M$6.0M$4.0M$2.0M$0Expenses 2010: $2,709,0462010Expenses 2011: $2,540,4852011Expenses 2012: $2,392,6072012Revenue 2013: $2,537,575Expenses 2013: $2,330,823Net Income 2013: $206,7522013Revenue 2014: $2,753,052Expenses 2014: $2,327,974Net Income 2014: $425,0782014Revenue 2015: $2,883,928Expenses 2015: $2,731,041Net Income 2015: $152,8872015Revenue 2016: $3,007,362Expenses 2016: $2,755,080Net Income 2016: $252,2822016Revenue 2017: $3,265,735Expenses 2017: $2,824,910Net Income 2017: $440,8252017Revenue 2018: $3,717,247Expenses 2018: $3,073,589Net Income 2018: $643,6582018Revenue 2019: $3,965,188Expenses 2019: $3,217,335Net Income 2019: $747,8532019Revenue 2020: $3,741,914Expenses 2020: $3,197,443Net Income 2020: $544,4712020Revenue 2021: $4,042,575Expenses 2021: $3,490,386Net Income 2021: $552,1892021Revenue 2022: $4,209,549Expenses 2022: $3,613,154Net Income 2022: $596,3952022Revenue 2023: $5,606,467Expenses 2023: $3,997,987Net Income 2023: $1,608,4802023Revenue 2024: $6,037,220Expenses 2024: $4,866,802Net Income 2024: $1,170,4182024

Highlighted filing

2024

Revenue$6,037,220
Expenses$4,866,802
Net Income$1,170,418
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$124,098,435
Liabilities
$105,425,699
Net assets
$18,672,736
Revenue
$6,037,220
Expenses
$4,866,802
Net income
$1,170,418
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$124$105$18.7$6.04$4.87$1.17
2023Detailed filing. Detailed filing data is available for this year.$122$104$17.5$5.61$4.00$1.61
2022Detailed filing. Detailed filing data is available for this year.$127$111$15.9$4.21$3.61$0.60
2021Detailed filing. Detailed filing data is available for this year.$128$113$15.3$4.04$3.49$0.55
2020Detailed filing. Detailed filing data is available for this year.$110$94.9$14.7$3.74$3.20$0.54
2019Detailed filing. Detailed filing data is available for this year.$94.5$80.3$14.2$3.97$3.22$0.75
2018Detailed filing. Detailed filing data is available for this year.$94.5$81.1$13.5$3.72$3.07$0.64
2017Detailed filing. Detailed filing data is available for this year.$91.2$78.5$12.7$3.27$2.82$0.44
2016Detailed filing. Detailed filing data is available for this year.$89.4$77.1$12.3$3.01$2.76$0.25
2015Detailed filing. Detailed filing data is available for this year.$82.9$70.9$12.0$2.88$2.73$0.15
2014Detailed filing. Detailed filing data is available for this year.$78.4$66.2$12.2$2.75$2.33$0.43
2013Detailed filing. Detailed filing data is available for this year.$76.3$65.3$11.0$2.54$2.33$0.21
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$74.6$62.8$11.9$2.39
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$71.3$59.7$11.6$2.54
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$68.3$57.5$10.8$2.71
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Apr 18, 2025
Return Version
2024v5.0
Gross Receipts
$6,037,220
Mission and Program Overview

Mission

Our mission is to provide our members high quality personalized services and competitive rates.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$81,853,263$79,640,220▼ $2,213,043
Investments Other Securities$34,838,153$38,855,366▲ $4,017,213
Rtn Earn Endowment Incm Other Fnds$17,502,318$18,672,736▲ $1,170,418
Cash and Non-Interest-Bearing Accounts$1,732,653$2,403,119▲ $670,466
Land, Buildings, and Equipment, Net$942,344$988,075▲ $45,731
Savings and Temporary Cash Investments$786,479$627,404▼ $159,075
Prepaid Expenses and Deferred Charges$230,904$214,186▼ $16,718
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$121,868,639$124,098,435▲ $2,229,796
Other Assets Total$1,484,843$1,370,065▼ $114,778
Liabilities
Other Liabilities$103,800,489$104,919,466▲ $1,118,977
Accounts Payable and Accrued Expenses$565,832$506,233▼ $59,599
Grants Payable$0--
Deferred Revenue$0--
Escrow Account Liability$0--
Tax Exempt Bond Liabilities$0--
Total Liabilities$104,366,321$105,425,699▲ $1,059,378
Net Assets / Fund Balance
Total Net Assets Fund Balance$17,502,318$18,672,736▲ $1,170,418
Total Liabilities and Net Assets / Fund Balance$121,868,639$124,098,435▲ $2,229,796

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$0$288,832$0
Other Land Buildings$0$0$0
Land$269,375-$0
Equipment$300,986$903,223$0
Leasehold Improvements$417,714$1,225,459$0
Other Securities$35,699,222--
Compensation and Service Providers
Top Officer Pay18th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Deborah A LucianoAssistant Treasurer/ ManagerFT$119,645$50,345$169,990

Board Members and Trustees

NameTitle
Sergio M CostaPresident
Alfonso Barcamonte1st Vice Chairman
Fernando Homem2nd Vice President
Antonio CoimbraDirector
Elsa VieiraDirector
Faustino MeloDirector
Joaquim CunhaDirector
Jose C SilvaDirector
Jose RosarioDirector
Lisa VasconcelosDirector
Luciano DinisDirector
Philip OrtinsDirector
Rosa RomanoDirector
Carlos PintoClerk
Gaspar SimoesTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$0
Investment Income
$1,775,766
Other Revenue
$4,261,454
Change in Net Assets
$1,170,418

Audited Revenue Reconciliation

Revenue per Audited Statements
$6,037,220
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Other Revenue Adjustments
$0
Total Revenue per Audited Statements
$6,037,220
Total Revenue per Form 990
$6,037,220
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$3,421,933
Salaries, Compensation, and Employee Benefits$1,444,869
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Interest---$1,137,521
Other Salaries and Wages---$1,010,762
Other Expenses---$344,915
All Other Expenses---$260,196
Occupancy---$208,280
Office Expenses---$189,972
Other Employee Benefits---$159,531
Advertising---$150,417
Depreciation Depletion---$150,383
Current Officers, Directors, Trustees, and Key Employees---$137,645
Fees for Services Accounting---$96,482
Payroll Taxes---$90,910
Pension Plan Contributions---$46,021
Conferences and Meetings---$37,333
Insurance---$31,587
Total Functional Expenses$0$0$0$4,866,802

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$4,866,802
Total Expenses per Audited Statements$4,866,802
Total Expenses per Form 990$4,866,802
Expenses Not Reported on Financial Statements$0
Expenses Not Reported on Form 990$0
Other Expense Adjustments$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
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Share Accounts$47,183,934
Cds$30,469,117
Share Draft Accounts$18,084,362
Ira Cds$7,613,618
Money Market Demand Accounts$1,336,856
Tax & Insurance Escrow$127,974
Club Accounts$103,605
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
Yes
Annual disclosure for covered persons
Yes
Audit committee
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

“The organization has members (the members are anyone who has an account with the Credit Union)”

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

“The members can elect the Board of Directors at the Annual Meeting.”

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

“The member can elect the Board of Directors at the Annual Meeting.”

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

“The Senior Accountant completes the 990 and Management reviews the 990.”

Form 990, Part VI, Section B, Line 12C

“The Policy is reviewed and distributed annually.”

Form 990, Part VI, Section C, Line 19

“Financial Statements are posted in the Lobby. All other documents are available upon request.”

Filing and Contact Details

Filer

Filer Name
Luso-american Credit Union
EIN
04-6066641
Phone
9785315767
Address
37 Tremont Street, Peabody, MA 01960

Signing Officer

Name
Deborah Luciano
Title
Sr Accountant/ Assistant Manager
Phone
9785315767
Signed
2025-04-18

Organization Details

Principal Officer
Deborah Luciano
Formed
1960
Legal Domicile
Ma
Voting Board Members
15
Independent Board Members
0
Employees
22
Volunteers
15
Raw XML AppendixShowing 400 of 570 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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IRS990/Form990PartVIISectionAGrp/PersonNm1Alfonso Barcamonte
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IRS990/Form990PartVIISectionAGrp/PersonNm3Lisa Vasconcelos
IRS990/Form990PartVIISectionAGrp/PersonNm4Carlos Pinto
IRS990/Form990PartVIISectionAGrp/PersonNm5Sergio M Costa
IRS990/Form990PartVIISectionAGrp/PersonNm6Jose C Silva
IRS990/Form990PartVIISectionAGrp/PersonNm7Luciano Dinis
IRS990/Form990PartVIISectionAGrp/PersonNm8Philip Ortins
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IRS990/Form990PartVIISectionAGrp/PersonNm10Antonio Coimbra
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IRS990/Form990PartVIISectionAGrp/PersonNm14Joaquim Cunha
IRS990/Form990PartVIISectionAGrp/PersonNm15Jose Rosario
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IRS990/Form990PartVIISectionAGrp/TitleTxt0Assistant Treasurer/ Manager
IRS990/Form990PartVIISectionAGrp/TitleTxt11st Vice Chairman
IRS990/Form990PartVIISectionAGrp/TitleTxt2Treasurer
IRS990/Form990PartVIISectionAGrp/TitleTxt3Director
IRS990/Form990PartVIISectionAGrp/TitleTxt4Clerk
IRS990/Form990PartVIISectionAGrp/TitleTxt5President
IRS990/Form990PartVIISectionAGrp/TitleTxt6Director
IRS990/Form990PartVIISectionAGrp/TitleTxt7Director
IRS990/Form990PartVIISectionAGrp/TitleTxt8Director
IRS990/Form990PartVIISectionAGrp/TitleTxt9Director
IRS990/Form990PartVIISectionAGrp/TitleTxt10Director
IRS990/Form990PartVIISectionAGrp/TitleTxt11Director
IRS990/Form990PartVIISectionAGrp/TitleTxt12Director
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IRS990/Form990PartVIISectionAGrp/TitleTxt14Director
IRS990/Form990PartVIISectionAGrp/TitleTxt15Director
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IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0Deborah A Luciano
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0Assistant Treasurer/ Manager
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