Civic Intelligence

Norton Troy Employees Credit Union

EIN 14-0496597 • 501(c)14 • Cohoes, NY

Profile

Make available savings accounts and loans for employees and retirees of Saint Gobain, Norton & Nashua Companies

C/O HRCCU 35 Niver StreetCohoes, NY 12047
Siviq Scores

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

Liabilities / Assets

47th percentile

0.83x

Higher debt load relative to assets than 47% of similar nonprofits.

501(c)14 • $5M-$10M nonprofits • Source year 2021

Liabilities / Revenue

100th percentile

90.45x

Higher debt load relative to revenue than 100% of similar nonprofits.

501(c)14 • $5M-$10M nonprofits • Source year 2021

Net Margin

1st percentile

-144%

Higher net margin than 1% of similar nonprofits.

501(c)14 • $5M-$10M nonprofits • Source year 2021

Top Officer Pay

29th percentile

$42,082

Higher top officer pay than 29% of similar nonprofits.

Top officer pay equals 89.7% of source-year revenue.

501(c)14 • $5M-$10M nonprofits • Source year 2021

Asset Growth

32nd percentile

-4.4%

Faster asset growth than 32% of similar nonprofits.

501(c)14 • $5M-$10M nonprofits • Annualized from 2020 to 2021

Revenue Growth

2nd percentile

-64%

Faster revenue growth than 2% of similar nonprofits.

501(c)14 • $5M-$10M nonprofits • Annualized from 2020 to 2021

Balance Sheet
Liabilities / Assets47th percentile

Assets

Down

$5,112,526

Down $234,428 (-4.4%) from 2020

Liabilities

Down

$4,244,530

Down $166,705 (-3.8%) from 2020

Net Assets

Down

$867,996

Down $67,723 (-7.2%) from 2020

Operations
Liabilities / Revenue100th percentileNet Margin1st percentile

Revenue

Down

$46,926

Down $84,185 (-64%) from 2020

Expenses

Down

$114,649

Down $53,777 (-32%) from 2020

Net Income

Down

-$67,723

Down $30,408 (-81%) from 2020

Trend Graphs

Balance Sheet Trend

Asset Growth32nd percentile

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

$6.0M$4.0M$2.0M$0Assets 2020: $5,346,954Liabilities 2020: $4,411,235Net Assets 2020: $935,7192020Assets 2021: $5,112,526Liabilities 2021: $4,244,530Net Assets 2021: $867,9962021

Highlighted filing

2021

Assets$5,112,526
Liabilities$4,244,530
Net Assets$867,996
Open 2021 Filing

Operations Trend

Revenue Growth2nd percentile

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

$200K$100K$0-$100KRevenue 2020: $131,111Expenses 2020: $168,426Net Income 2020: -$37,3152020Revenue 2021: $46,926Expenses 2021: $114,649Net Income 2021: -$67,7232021

Highlighted filing

2021

Revenue$46,926
Expenses$114,649
Net Income-$67,723
Open 2021 Filing

Filings

Most recent year

2021 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$5,112,526
Liabilities
$4,244,530
Net assets
$867,996
Revenue
$46,926
Expenses
$114,649
Net income
-$67,723
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2021Detailed filing. Detailed filing data is available for this year.$5.11$4.24$0.87$0.05$0.11$0.07
2020Detailed filing. Detailed filing data is available for this year.$5.35$4.41$0.94$0.13$0.17$0.04
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2021 to Dec 31, 2021
Signed
Feb 14, 2022
Return Version
2021v4.0
Gross Receipts
$46,926
Mission and Program Overview

Mission

Make available savings accounts and loans for employees and retirees of Saint Gobain, Norton & Nashua Companies

Supporting the Employees of St Gobain and Retirees of St Gobain, Norton & Nashua Companies

Balance Sheet Detail
LineBeginningEndChange
Assets
Savings and Temporary Cash Investments$3,466,935$3,118,955▼ $347,980
Other Notes and Loans Receivable, Net$1,421,952$1,164,834▼ $257,118
Cash and Non-Interest-Bearing Accounts$404,733$784,270▲ $379,537
Pd in Cap Srpls Land Bldg Eqp Fund$510,120$510,120→ $0
Rtn Earn Endowment Incm Other Fnds$425,599$357,876▼ $67,723
Prepaid Expenses and Deferred Charges$53,334$44,467▼ $8,867
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$5,346,954$5,112,526▼ $234,428
Liabilities
Other Liabilities$4,394,516$4,228,821▼ $165,695
Accounts Payable and Accrued Expenses$16,719$15,709▼ $1,010
Total Liabilities$4,411,235$4,244,530▼ $166,705
Net Assets / Fund Balance
Total Net Assets Fund Balance$935,719$867,996▼ $67,723
Total Liabilities and Net Assets / Fund Balance$5,346,954$5,112,526▼ $234,428
Compensation and Service Providers
Top Officer Pay29th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Joan TheilmannManagerFT$42,082$42,082
Stacey DrabikAssistant ManagerFT$29,222$29,222
Nancy OMalleyAccounting ManagerPT$5,728$5,728
Robert GoyerSecretaryPT$2,991$2,991

Board Members and Trustees

NameTitle
Robert StewartChairman
Roderick CrippsVice Chairman
John FecuraSupervisory Committe
Brian SkibaSupervisory Committee
John GoyerSupervisory Committee
Richard HennesseySupervisory Committee
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$0
Investment Income
$46,589
Other Revenue
$337
All Other Contributions
$0
Change in Net Assets
$-67,723
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$88,045
Other Expenses$22,537
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$80,023--$80,023
Fees for Service Investment Mgmnt Fees$9,801--$9,801
Payroll Taxes$6,259--$6,259
Benefits to Members$4,067--$4,067
Fees for Services Accounting$3,943--$3,943
Insurance$3,920--$3,920
Office Expenses$3,578--$3,578
Other Employee Benefits$1,763--$1,763
Conferences and Meetings$1,135--$1,135
All Other Expenses$160--$160
Total Functional Expenses$114,649$0$0$114,649
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
Member shares$4,228,821
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
No
Management duties delegated
No

Governance Explanations

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

“Part VI Section B Line 11b - FORM 990 completed by accounting manager and reviewed by office manager and one director”

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

“requests for disclosure at monthly meetings”

Form 990, Part VI, Section C, Line 19

“Part VI, Section C line 19 - financial statements and governing documents are posted on bulletin board and available upon request”

Filing and Contact Details

Filer

Filer Name
Norton Troy Employees Credit Union
EIN
14-0496597
Phone
5182672481
Address
C/O HRCCU 35 Niver Street, Cohoes, NY 12047

Signing Officer

Name
Nancy OMalley
Title
Accounting Manager
Phone
5185886964
Signed
2022-02-14

Organization Details

Principal Officer
Robert Stewart
Formed
1939
Legal Domicile
Ny
Voting Board Members
6
Independent Board Members
0
Employees
3
Volunteers
0
Supplemental Narrative

Additional Explanations

Form 990, Part III, Line 3

“Norton Troy Employee Credit Union was taken over by Hudson River Community Credit Union on August 1, 2021”

Raw XML Appendix393 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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IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/FederalIncomeTaxLiabilityAmt00
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt04228821
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0Member shares
IRS990ScheduleD/TotalLiabilityAmt04228821
IRS990/ScheduleJRequiredInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0Norton Troy Employee Credit Union was taken over by Hudson River Community Credit Union on August 1, 2021
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1Part VI Section B Line 11b - FORM 990 completed by accounting manager and reviewed by office manager and one director
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2requests for disclosure at monthly meetings
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3Part VI, Section C line 19 - financial statements and governing documents are posted on bulletin board and available upon request
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990, Part III, Line 3
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990, Part VI, Section B, Line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990, Part VI, Section B, Line 12c
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990, Part VI, Section C, Line 19
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IRS990/SignificantChangeInd01
IRS990/SignificantNewProgramSrvcInd00
IRS990/StatesWhereCopyOfReturnIsFldCd0NY
IRS990/SubjectToExcsTaxNetInvstIncInd00
IRS990/SubjectToProxyTaxInd00
IRS990/SubjToTaxRmnrtnExPrchtPymtInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TerminateOperationsInd00
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IRS990/TotalAssetsEOYAmt05112526
IRS990/TotalAssetsGrp/BOYAmt05346954
IRS990/TotalAssetsGrp/EOYAmt05112526
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalContributionsAmt00
IRS990/TotalEmployeeCnt03
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt0114649
IRS990/TotalFunctionalExpensesGrp/TotalAmt0114649
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt04411235
IRS990/TotalLiabilitiesEOYAmt04244530
IRS990/TotalLiabilitiesGrp/BOYAmt04411235
IRS990/TotalLiabilitiesGrp/EOYAmt04244530
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt0935719
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt0867996
IRS990/TotalOtherCompensationAmt00
IRS990/TotalOtherProgSrvcExpenseAmt00
IRS990/TotalOtherProgSrvcGrantAmt00
IRS990/TotalOtherProgSrvcRevenueAmt00
IRS990/TotalProgramServiceExpensesAmt0114649
IRS990/TotalProgramServiceRevenueAmt00
IRS990/TotalReportableCompFromOrgAmt080023
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt046926
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt046926
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt00
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt05346954
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt05112526
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TravelGrp/ProgramServicesAmt00
IRS990/TravelGrp/TotalAmt00
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd00
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt0264 Poyner Road
IRS990/USAddress/CityNm0Nassau
IRS990/USAddress/StateAbbreviationCd0NY
IRS990/USAddress/ZIPCd012123
IRS990/VotingMembersGoverningBodyCnt06
IRS990/VotingMembersIndependentCnt00
IRS990/WhistleblowerPolicyInd00
ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/AuthenticationAssuranceLevelCd0AAL2
ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/LastSubmissionRqrOOBCd01
ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/OOBSecurityVerificationCd011
ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/TrustedCustomerCd01
ReturnHeader/BuildTS02022-09-23 18:48:47Z
ReturnHeader/BusinessOfficerGrp/PersonNm0Nancy OMalley
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0Accounting Manager
ReturnHeader/BusinessOfficerGrp/PhoneNum05185886964
ReturnHeader/BusinessOfficerGrp/SignatureDt02022-02-14
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0Norton Troy Employees Credit Union
ReturnHeader/Filer/BusinessNameControlTxt0NORT
ReturnHeader/Filer/EIN0140496597
ReturnHeader/Filer/PhoneNum05182672481
ReturnHeader/Filer/USAddress/AddressLine1Txt0C/O HRCCU 35 Niver Street
ReturnHeader/Filer/USAddress/CityNm0Cohoes
ReturnHeader/Filer/USAddress/StateAbbreviationCd0NY
ReturnHeader/Filer/USAddress/ZIPCd012047
ReturnHeader/ReturnTs02022-02-20T13:18:07-07:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02021-01-01
ReturnHeader/TaxPeriodEndDt02021-12-31
ReturnHeader/TaxYr02021

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