Civic Intelligence

Finex Credit Union

EIN 06-0659505 • 501(c)14 • East Hartford, CT

View Organization Page

Profile

To provide low cost financial services to the credit union owner depositors.

616 Burnside AvenueEast Hartford, CT 06108

www.finexcu.org

Siviq Scores

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

Liabilities / Assets

77th percentile

0.91x

Higher debt load relative to assets than 77% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Source year 2025

Liabilities / Revenue

12th percentile

11.47x

Higher debt load relative to revenue than 12% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Source year 2025

Net Margin

5th percentile

-4.1%

Higher net margin than 5% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Source year 2025

Top Officer Pay

Score unavailable

No value available

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

Asset Growth

15th percentile

-3.1%

Faster asset growth than 15% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Annualized from 2024 to 2025

Revenue Growth

40th percentile

13%

Faster revenue growth than 40% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Annualized from 2024 to 2025

Balance Sheet
Liabilities / Assets77th percentile

Assets

Down

$143,889,213

Down $4,673,172 (-3.1%) from 2024

Liabilities

Down

$131,436,208

Down $4,197,716 (-3.1%) from 2024

Net Assets

Down

$12,453,005

Down $475,456 (-3.7%) from 2024

Operations
Liabilities / Revenue12th percentileNet Margin5th percentile

Revenue

Up

$11,459,156

Up $1,291,587 (+13%) from 2024

Expenses

Down

$11,934,612

Down $75,863 (-0.6%) from 2024

Net Income

Up

-$475,456

Up $1,367,450 (+74%) from 2024

Trend Graphs

Balance Sheet Trend

Asset Growth15th percentile

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

$150M$100M$50M$0Assets 2017: $83,453,666Liabilities 2017: $76,606,347Net Assets 2017: $6,847,3192017Assets 2018: $85,055,504Liabilities 2018: $78,125,851Net Assets 2018: $6,929,6532018Assets 2019: $87,776,020Liabilities 2019: $80,671,212Net Assets 2019: $7,104,8082019Assets 2020: $89,315,333Liabilities 2020: $81,862,586Net Assets 2020: $7,452,7472020Assets 2021: $109,750,704Liabilities 2021: $100,914,988Net Assets 2021: $8,835,7162021Assets 2022: $109,422,895Liabilities 2022: $100,149,201Net Assets 2022: $9,273,6942022Assets 2023: $112,609,874Liabilities 2023: $102,456,848Net Assets 2023: $10,153,0262023Assets 2024: $148,562,385Liabilities 2024: $135,633,924Net Assets 2024: $12,928,4612024Assets 2025: $143,889,213Liabilities 2025: $131,436,208Net Assets 2025: $12,453,0052025

Highlighted filing

2025

Assets$143,889,213
Liabilities$131,436,208
Net Assets$12,453,005
Open 2025 Filing

Operations Trend

Revenue Growth40th percentile

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

$15M$10M$5.0M$0-$5.0MRevenue 2017: $4,738,927Expenses 2017: $4,530,086Net Income 2017: $208,8412017Revenue 2018: $4,804,874Expenses 2018: $4,722,539Net Income 2018: $82,3352018Revenue 2019: $5,203,329Expenses 2019: $5,028,174Net Income 2019: $175,1552019Revenue 2020: $5,809,758Expenses 2020: $5,461,820Net Income 2020: $347,9382020Revenue 2021: $7,074,644Expenses 2021: $5,691,677Net Income 2021: $1,382,9672021Revenue 2022: $5,905,863Expenses 2022: $5,467,885Net Income 2022: $437,9782022Revenue 2023: $7,998,878Expenses 2023: $7,767,546Net Income 2023: $231,3322023Revenue 2024: $10,167,569Expenses 2024: $12,010,475Net Income 2024: -$1,842,9062024Revenue 2025: $11,459,156Expenses 2025: $11,934,612Net Income 2025: -$475,4562025

Highlighted filing

2025

Revenue$11,459,156
Expenses$11,934,612
Net Income-$475,456
Open 2025 Filing

Filings

Most recent year

2025 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$143,889,213
Liabilities
$131,436,208
Net assets
$12,453,005
Revenue
$11,459,156
Expenses
$11,934,612
Net income
-$475,456
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2025Detailed filing. Detailed filing data is available for this year.$144$131$12.5$11.5$11.9$0.48
2024Detailed filing. Detailed filing data is available for this year.$149$136$12.9$10.2$12.0$1.84
2023Detailed filing. Detailed filing data is available for this year.$113$102$10.2$8.00$7.77$0.23
2022Detailed filing. Detailed filing data is available for this year.$109$100$9.27$5.91$5.47$0.44
2021Detailed filing. Detailed filing data is available for this year.$110$101$8.84$7.07$5.69$1.38
2020Detailed filing. Detailed filing data is available for this year.$89.3$81.9$7.45$5.81$5.46$0.35
2019Detailed filing. Detailed filing data is available for this year.$87.8$80.7$7.10$5.20$5.03$0.18
2018Detailed filing. Detailed filing data is available for this year.$85.1$78.1$6.93$4.80$4.72$0.08
2017Summary only. Only limited summary data is available for this year.$83.5$76.6$6.85$4.74$4.53$0.21
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Apr 1, 2024 to Mar 31, 2025
Signed
Aug 11, 2025
Return Version
2024v5.2
Gross Receipts
$11,459,156
Mission and Program Overview

Mission

To provide low cost financial services to the credit union owner depositors.

FINANCIAL SERVICES

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$112,504,783$99,376,877▼ $13,127,906
Savings and Temporary Cash Investments$12,314,081$16,919,784▲ $4,605,703
Rtn Earn Endowment Incm Other Fnds$12,928,461$12,453,005▼ $475,456
Cash and Non-Interest-Bearing Accounts$5,233,033$10,594,909▲ $5,361,876
Accounts Receivable$4,724,545$4,904,974▲ $180,429
Land, Buildings, and Equipment, Net$3,662,685$3,426,057▼ $236,628
Investments Other Securities$2,046,290$1,755,209▼ $291,081
Prepaid Expenses and Deferred Charges$652,799$581,130▼ $71,669
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$148,562,385$143,889,213▼ $4,673,172
Other Assets Total$7,424,169$6,330,273▼ $1,093,896
Liabilities
Other Liabilities$126,179,805$126,014,058▼ $165,747
Accounts Payable and Accrued Expenses$3,609,119$3,117,150▼ $491,969
Mortgage Notes Payable Secured by Investment Property$5,750,000$2,250,000▼ $3,500,000
Deferred Revenue$95,000$55,000▼ $40,000
Total Liabilities$135,633,924$131,436,208▼ $4,197,716
Net Assets / Fund Balance
Total Net Assets Fund Balance$12,928,461$12,453,005▼ $475,456
Total Liabilities and Net Assets / Fund Balance$148,562,385$143,889,213▼ $4,673,172

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$2,559,424$1,861,247$4,420,671
Equipment$333,739$1,029,786$1,363,525
Land$502,752-$502,752
Leasehold Improvements$30,142$318,354$348,496
Compensation and Service Providers
Top Officer PayScore unavailable

Employees

NameTitleFull / Part TimeBaseOtherTotal
Michael PalladinoPresident/CEOFT$246,324$100,141$346,465
Michael FerraroChief Operating OfficerFT$199,600$74,349$273,949
Kristina ZieglerVP, Sales & OperationsFT$162,235$86,721$248,956
William WeingartnerVP TechnologyFT$123,278$77,574$200,852
Sunny NariyaniAvp Digital MarketingFT$111,162$45,727$156,889
Susan BrownChief Financial OfficerFT$140,300$9,635$149,935
Lynn WilkinsSenior Accounting ManagerFT$127,712$16,592$144,304
Cynthia KellerDirector Admin ServiecsFT$127,942$3,041$130,983
Mary SullivanDirector Business DevelopmentFT$111,527$11,767$123,294
Josephine Gonzalez RiveraLending ManagerFT$105,678$1,582$107,260

Board Members and Trustees

NameTitle
Anthony HomickiChairperson
Peter LupiVice Chairperson
David FlanaganDirector
Francis Michael Guerrera IiiDirector
Guy LabellaDirector
Joyce ReynoldsDirector
Paul FalconeDirector
Shawna WoodberryDirector
Gina DoranSecretary
Steven BafundoTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$10,380,501
Investment Income
$828,261
Other Revenue
$250,394
Change in Net Assets
$-475,456
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$8,501,675
Salaries, Compensation, and Employee Benefits$3,432,937
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---$1,736,594
Interest---$1,520,358
Information Technology---$1,270,105
Other Salaries and Wages---$852,092
Office Expenses---$717,241
Occupancy---$679,786
Other Employee Benefits---$629,504
Fees for Services Other---$467,021
Depreciation Depletion---$459,694
Fees for Services Management---$255,223
Payroll Taxes---$214,747
Advertising---$214,423
Other Expenses---$212,719
All Other Expenses---$98,519
Fees for Services Accounting---$69,323
Insurance---$41,454
Travel---$35,543
Fees for Services Legal---$20,198
Total Functional Expenses$0$0$0$11,934,612
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
Members Shares and Savings Accounts$125,991,444
Operating Lease Liability$22,614
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
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
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, Part VI, Section A, Line 7A

“The members elect the board of directors and ratify their actions at the annual meeting.”

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

“The members must approve mergers at the credit union.”

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

“The credit union will review the return prior to filing.”

Form 990, Part VI, Section B, Line 15B

“Full board must approve based on competitive review. Policy includes both base pay benchmarking and incentive compensation consistent with budget.”

Form 990, Part VI, Section C, Line 19

“Items are available upon request.”

Filing and Contact Details

Filer

Filer Name
Finex Credit Union
EIN
06-0659505
Phone
8602820001
Address
616 BURNSIDE AVENUE, EAST HARTFORD, CT 06108

Signing Officer

Name
Joseph Bartolotta
Title
President
Phone
8602820001
Signed
2025-08-11
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Joseph Bartolotta
Formed
1938
Legal Domicile
Ct
Voting Board Members
10
Independent Board Members
10
Employees
52
Volunteers
0

Preparer

Firm
Whittlesey Pc
Address
280 TRUMBULL ST 24TH FL, HARTFORD, CT 06103
Preparer
Thomas Goldfuss
Phone
8605223111
Supplemental Narrative

Additional Explanations

Form 990, Part XII, Line 2C

“NO CHANGE IN PROCESS.”

Raw XML AppendixShowing 400 of 550 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/TitleTxt7DIRECTOR
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IRS990/Form990PartVIISectionAGrp/TitleTxt13VP, SALES & OPERATIONS
IRS990/Form990PartVIISectionAGrp/TitleTxt14VP TECHNOLOGY
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IRS990/Form990PartVIISectionAGrp/TitleTxt16SENIOR ACCOUNTING MANAGER
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