Civic Intelligence

Har Co Credit Union

990 • Fiscal year 2014 • EIN 52-0853115

Jan 01, 2014 to Dec 31, 2014 • Filed on Apr 24, 2015

Organization Profilewww.harcocu.org

View Organization Page

30 N Hickory AvenueBel Air, MD 21014

(410) 838-9090

Siviq Scores

Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.

Liabilities / Assets

1st percentile

0.00x

Higher debt load relative to assets than 1% of similar nonprofits.

2014 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2014

Liabilities / Revenue

1st percentile

0.10x

Higher debt load relative to revenue than 1% of similar nonprofits.

2014 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2014

Net Margin

42nd percentile

9.5%

Higher net margin than 42% of similar nonprofits.

2014 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2014

Top Officer Pay

75th percentile

$245,976

Higher top officer pay than 75% of similar nonprofits.

Top officer pay equals 3.1% of source-year revenue.

2014 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2014

Asset Growth

11th percentile

-0.2%

Faster asset growth than 11% of similar nonprofits.

2014 filings • 501(c)14 • $100M-$250M nonprofits • Annualized from 2013 to 2014

Revenue Growth

37th percentile

0.3%

Faster revenue growth than 37% of similar nonprofits.

2014 filings • 501(c)14 • $100M-$250M nonprofits • Annualized from 2013 to 2014

Balance Sheet
Liabilities / Assets1st percentile

Assets

Down

$184,717,870

Down $399,859 (-0.2%) from 2013

Net Assets

Up

$183,934,717

Up $300,805 (+0.2%) from 2013

Liabilities

Down

$783,153

Down $700,664 (-47%) from 2013

Revenue And Expenses
Liabilities / Revenue1st percentileNet Margin42nd percentile

Revenue

Up

$8,060,982

Up $27,080 (+0.3%) from 2013

Expenses

Down

$7,297,621

Down $485,214 (-6.2%) from 2013

Net Income

Up

$763,361

Up $512,294 (+204%) from 2013

Historical Trend

Balance Sheet Trend

Asset Growth11th percentile

The highlighted filing sits inside the broader history for assets, liabilities, and net assets.

$300M$200M$100M$0Assets 2013: $185,117,729Liabilities 2013: $1,483,817Net Assets 2013: $183,633,9122013Assets 2014: $184,717,870Liabilities 2014: $783,153Net Assets 2014: $183,934,7172014Assets 2015: $188,460,934Liabilities 2015: $630,097Net Assets 2015: $187,830,8372015Assets 2016: $190,050,288Liabilities 2016: $754,207Net Assets 2016: $189,296,0812016Assets 2017: $188,294,908Liabilities 2017: $808,783Net Assets 2017: $187,486,1252017Assets 2018: $187,962,489Liabilities 2018: $1,225,960Net Assets 2018: $186,736,5292018Assets 2019: $189,201,674Liabilities 2019: $1,201,806Net Assets 2019: $187,999,8682019Assets 2020: $216,009,995Liabilities 2020: $1,407,333Net Assets 2020: $214,602,6622020Assets 2021: $238,720,840Liabilities 2021: $871,889Net Assets 2021: $237,848,9512021Assets 2022: $245,148,533Liabilities 2022: $2,980,152Net Assets 2022: $242,168,3812022Assets 2023: $247,700,606Liabilities 2023: $3,081,922Net Assets 2023: $244,618,6842023Assets 2024: $260,541,605Liabilities 2024: $2,575,714Net Assets 2024: $257,965,8912024

Highlighted filing

2014

Assets$184,717,870
Liabilities$783,153
Net Assets$183,934,717
Open 2014 Filing

Operations Trend

Revenue Growth37th percentile

Revenue, expenses, and net income across loaded years, with this filing highlighted.

$15M$10M$5.0M$0-$5.0MRevenue 2013: $8,033,902Expenses 2013: $7,782,835Net Income 2013: $251,0672013Revenue 2014: $8,060,982Expenses 2014: $7,297,621Net Income 2014: $763,3612014Revenue 2015: $7,628,019Expenses 2015: $7,127,791Net Income 2015: $500,2282015Revenue 2016: $7,613,519Expenses 2016: $7,308,959Net Income 2016: $304,5602016Revenue 2017: $7,766,711Expenses 2017: $7,182,114Net Income 2017: $584,5972017Revenue 2018: $8,194,550Expenses 2018: $7,881,482Net Income 2018: $313,0682018Revenue 2019: $8,381,096Expenses 2019: $8,268,974Net Income 2019: $112,1222019Revenue 2020: $7,327,198Expenses 2020: $7,498,345Net Income 2020: -$171,1472020Revenue 2021: $7,323,964Expenses 2021: $7,219,854Net Income 2021: $104,1102021Revenue 2022: $9,204,810Expenses 2022: $7,846,962Net Income 2022: $1,357,8482022Revenue 2023: $11,885,797Expenses 2023: $9,665,881Net Income 2023: $2,219,9162023Revenue 2024: $13,335,704Expenses 2024: $11,641,525Net Income 2024: $1,694,1792024

Highlighted filing

2014

Revenue$8,060,982
Expenses$7,297,621
Net Income$763,361
Open 2014 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2014 to Dec 31, 2014
Signed
Apr 24, 2015
Return Version
2014v5.0
Gross Receipts
$8,060,982
Mission and Program Overview

Mission

To provide a sound financial institution with excellent member service for our credit union family. We make our membership our first consideration in everything we do.

State chartered credit union

Balance Sheet Detail
LineBeginningEndChange
Assets
Cap Stk Tr Prin Current Funds$167,471,667$166,966,222▼ $505,445
Other Notes and Loans Receivable, Net$130,336,357$117,610,861▼ $12,725,496
Investments in Publicly Traded Securities$34,423,975$43,436,622▲ $9,012,647
Rtn Earn Endowment Incm Other Fnds$16,162,245$16,968,495▲ $806,250
Cash and Non-Interest-Bearing Accounts$6,834,189$6,940,373▲ $106,184
Savings and Temporary Cash Investments$5,679,746$5,842,044▲ $162,298
Land, Buildings, and Equipment, Net$4,005,063$3,812,406▼ $192,657
Receivables From Officers Etc$680,354$745,779▲ $65,425
Prepaid Expenses and Deferred Charges$319,975$298,943▼ $21,032
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Total Assets$185,117,729$184,717,870▼ $399,859
Other Assets Total$2,838,070$6,030,842▲ $3,192,772
Liabilities
Accounts Payable and Accrued Expenses$1,483,817$783,153▼ $700,664
Total Liabilities$1,483,817$783,153▼ $700,664
Net Assets / Fund Balance
Total Net Assets Fund Balance$183,633,912$183,934,717▲ $300,805
Total Liabilities and Net Assets / Fund Balance$185,117,729$184,717,870▼ $399,859

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$2,625,603$3,122,103$5,747,706
Other Land Buildings$498,763$3,396,706$3,895,469
Land$688,040-$688,040
Compensation and Service Providers
Top Officer Pay75th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
James MeehanCEOFT$218,613$27,363$245,976
Linda BromleySVP/CAOFT$136,525$10,751$147,276
Joseph AikenVP/CLOFT$104,188$19,271$123,459
Malia DierkenVP/CFOFT$92,719$25,691$118,410
John SullivanVP/IT DirectorFT$62,092$1,567$63,659

Board Members and Trustees

NameTitle
James FamousChairman
Andrew O'ConnorVice Chairman
Blaise SedneyDirector
Charles WellingtonDirector
Jack MaurerDirector
Thorkild PaabySecretary
Elizabeth CoakleyTreasurer

Highest Paid Contractors

ContractorServicesLocationCompensation
FiservXP Systemssystem providerPO Box 300016, Duluth, GA 30096-0300$299,372
Dell Financial Serviceshardware, software, licenses, maintenancPO Box 81577, Austin, TX 78708-1577$115,516
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$7,807,509
Investment Income
$253,473
Other Revenue
$0
Change in Net Assets
$763,361

Audited Revenue Reconciliation

Revenue per Audited Statements
$8,060,982
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Total Revenue per Audited Statements
$8,060,982
Total Revenue per Form 990
$8,060,982
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$3,881,050
Salaries, Compensation, and Employee Benefits$3,416,571
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$2,277,459
Office Expenses---$1,054,095
Current Officers, Directors, Trustees, and Key Employees---$698,780
Interest---$457,132
Depreciation Depletion---$432,256
Occupancy---$406,006
Payroll Taxes---$214,640
Advertising---$189,538
Other Employee Benefits---$182,512
All Other Expenses---$111,695
Insurance---$89,377
Information Technology---$83,248
Fees for Services Accounting---$70,120
Other Expenses---$45,966
Pension Plan Contributions---$43,180
Travel---$15,358
Conferences and Meetings---$2,022
Total Functional Expenses$0$0$0$7,297,621

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$7,297,621
Total Expenses per Audited Statements$7,297,621
Total Expenses per Form 990$7,297,621
Expenses Not Reported on Financial Statements$0
Expenses Not Reported on Form 990$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
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Officers, Directors, Trustees, and Key Employees$680,354$745,779▲ $65,425
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 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
No
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, line 6

“The Credit Union has 17,352 members.”

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

“Credit Union members elect the board of directors.”

Form 990, Part VI, Section B, line 11

“The SVP, CFO, and the CEO will review Form 990 for accuracy. The Board Chairman reviews the final Form 990 on behalf of the Board.”

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

“The Credit Union regularly monitors and enforces compliance with the conflict of interest policy. The Board of Directors and the Supervisory Committee members are required to sign acknowledgement forms annually.”

Form 990, Part VI, Section B, line 15

“The process for determing the CEO's compensation is included in the CEO evaluation committee's annual review process. The CEO determines other officers' comensation annually based upon board approved budget/guide. For all salary increases, the CEO discusses actual increases with the Board Chairman.”

Form 990, Part VI, Section C, line 19

“The monthly financial statements are posted in all Credit Union locations.”

Filing and Contact Details

Filer

Filer Name
HAR-CO Credit Union
EIN
52-0853115
Phone
4108389090
Address
30 N Hickory Avenue, Bel Air, MD 21014

Signing Officer

Name
James J Meehan
Title
President
Phone
4108389090
Signed
2015-04-24
Discuss with paid preparer
Yes

Organization Details

Principal Officer
James J Meehan
Formed
1955
Legal Domicile
Md
Voting Board Members
7
Independent Board Members
7
Employees
78
Volunteers
0

Preparer

Firm
Rowles & Company LLP
Address
8100 Sandpiper Circle Suite 308, Baltimore, MD 21236
Preparer
Edward C Beyer
Phone
4437255395
Supplemental Narrative

Additional Explanations

Form 990, Part XI, line 9:

“Change in investment valuation 42,889. Net decrease in members' share balances -505,445.”

Form 990, Part XII, Line 2C:

“The supervisory committee is responsible for oversight of the audit of the financial statements and selection of the independent accountants.”

Raw XML AppendixShowing 400 of 486 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/OfficeExpensesGrp/TotalAmt01054095
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt02838070
IRS990/OtherAssetsTotalGrp/EOYAmt06030842
IRS990/OtherChangesInNetAssetsAmt0-462556
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0182512
IRS990/OtherExpensesGrp/Desc0Lending expenses
IRS990/OtherExpensesGrp/Desc1Loan loss provision
IRS990/OtherExpensesGrp/Desc2ATM expenses
IRS990/OtherExpensesGrp/Desc3Bank service charges
IRS990/OtherExpensesGrp/TotalAmt0517889
IRS990/OtherExpensesGrp/TotalAmt1256150
IRS990/OtherExpensesGrp/TotalAmt2150198
IRS990/OtherExpensesGrp/TotalAmt345966
IRS990/OtherSalariesAndWagesGrp/TotalAmt02277459
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt0130336357
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0117610861
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt0214640
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt043180
IRS990/PoliciesReferenceChaptersInd01
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0319975
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0298943
IRS990/PrincipalOfficerNm0James J Meehan
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1525990
IRS990/ProgramServiceRevenueGrp/BusinessCd2525990
IRS990/ProgramServiceRevenueGrp/BusinessCd3525990
IRS990/ProgramServiceRevenueGrp/BusinessCd4524298
IRS990/ProgramServiceRevenueGrp/Desc0Interest on loans
IRS990/ProgramServiceRevenueGrp/Desc1Share account service
IRS990/ProgramServiceRevenueGrp/Desc2Other services
IRS990/ProgramServiceRevenueGrp/Desc3ATM services
IRS990/ProgramServiceRevenueGrp/Desc4Credit insurance
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt05900413
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt11111690
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt2549141
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt3179427
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt458168
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt05900413
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt11111690
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt2549141
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt3188097
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt458168
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt08670
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt0205735
IRS990/PYOtherExpensesAmt04370097
IRS990/PYOtherRevenueAmt00
IRS990/PYProgramServiceRevenueAmt07828167
IRS990/PYRevenuesLessExpensesAmt0251067
IRS990/PYSalariesCompEmpBnftPaidAmt03412738
IRS990/PYTotalExpensesAmt07782835
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt08033902
IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt0680354
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt0745779
IRS990/ReconcilationRevenueExpnssAmt0763361
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd00
IRS990/ReportProgramRelatedInvstInd00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt016162245
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt016968495
IRS990/SavingsAndTempCashInvstGrp/BOYAmt05679746
IRS990/SavingsAndTempCashInvstGrp/EOYAmt05842044
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt02625603
IRS990ScheduleD/BuildingsGrp/DepreciationAmt03122103
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt05747706
IRS990ScheduleD/ExpensesNotReportedAmt00
IRS990ScheduleD/ExpensesNotRptFinclStmtAmt00
IRS990ScheduleD/ExpensesSubtotalAmt07297621
IRS990ScheduleD/LandGrp/BookValueAmt0688040
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0688040
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt0498763
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt03396706
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt03895469
IRS990ScheduleD/RevenueNotReportedAmt00
IRS990ScheduleD/RevenueNotReportedFinclStmtAmt00
IRS990ScheduleD/RevenueSubtotalAmt08060982
IRS990ScheduleD/TotalBookValueLandBuildingsAmt03812406
IRS990ScheduleD/TotalExpensesPerForm990Amt07297621
IRS990ScheduleD/TotalRevenuePerForm990Amt08060982
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt08060982
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt07297621
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/CompensationCommitteeInd0X
IRS990ScheduleJ/CompensationSurveyInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd00
IRS990ScheduleJ/IndependentConsultantInd0X
IRS990/ScheduleJRequiredInd01
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0218613
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt06558
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt020805
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0James Meehan
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0CEO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt0245976
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt00
IRS990ScheduleJ/SeverancePaymentInd00
IRS990ScheduleJ/SubstantiationRequiredInd01
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd00
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt033978
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt1197692
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt2120041
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt3118244
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt475336
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt5200488
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd01
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd11
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd21
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd31
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd41
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd51
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd00
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd10
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd20
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd30
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd40
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd50
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd0X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd1X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd2X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd3X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd4X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd5X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt0credit card, home equity
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt1credit card, line of credit, home equity, and mortgage
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt2credit card and mortgage
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt3credit card, home equity, and mortgage
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt4credit card and home equity
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt5credit card, home equity, and mortgage
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt036134
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt1218324
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt2131162
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt3133848
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt4106025
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt5235037
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm0James Famous
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm1Andrew O'Connor
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm2Elizabeth Coakley
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm3Jack Maurer
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm4Charles Wellington
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm5James Meehan
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt0Chairman
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt1Vice Chairman
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt2Treasurer
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt3Secretary
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt4Director
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt5CEO
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd01
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd11
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd21
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd31
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd41
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd51
IRS990ScheduleL/TotalBalanceDueAmt0745779
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0The Credit Union has 17,352 members.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1Credit Union members elect the board of directors.

Document Assets

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Filings

Displayed year

2014 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$184,717,870
Liabilities
$783,153
Net assets
$183,934,717
Revenue
$8,060,982
Expenses
$7,297,621
Net income
$763,361
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$261$2.58$258$13.3$11.6$1.69
2023Detailed filing. Detailed filing data is available for this year.$248$3.08$245$11.9$9.67$2.22
2022Detailed filing. Detailed filing data is available for this year.$245$2.98$242$9.20$7.85$1.36
2021Detailed filing. Detailed filing data is available for this year.$239$0.87$238$7.32$7.22$0.10
2020Detailed filing. Detailed filing data is available for this year.$216$1.41$215$7.33$7.50$0.17
2019Detailed filing. Detailed filing data is available for this year.$189$1.20$188$8.38$8.27$0.11
2018Detailed filing. Detailed filing data is available for this year.$188$1.23$187$8.19$7.88$0.31
2017Detailed filing. Detailed filing data is available for this year.$188$0.81$187$7.77$7.18$0.58
2016Detailed filing. Detailed filing data is available for this year.$190$0.75$189$7.61$7.31$0.30
2015Detailed filing. Detailed filing data is available for this year.$188$0.63$188$7.63$7.13$0.50
2014Detailed filing. Detailed filing data is available for this year.$185$0.78$184$8.06$7.30$0.76
2013Detailed filing. Detailed filing data is available for this year.$185$1.48$184$8.03$7.78$0.25