RIVER WORKS CREDIT UNION: Form 990, tax year 2025

View the entire original 990 at ProPublica ↗

Organization: RIVER WORKS CREDIT UNION (EIN 04-6061145)
Tax period: 2025-01-01 to 2025-12-31
Filed: 2026-06-16
IRS object ID: 202631679349300833
Schema version: 2025v4.0
Source: Download XML · Original 990 at ProPublica

Every field in the e-filed return. Faint text is the IRS element name, for citing.

Return header
Form 990
Schedule D
Schedule J
Schedule L
Schedule O

Return header ReturnHeader

Field	Value	IRS element (for citing)
Return	2026-06-16T15:07:55-04:00	ReturnTs
Tax Period End	2025-12-31	TaxPeriodEndDt

Preparer Firm PreparerFirmGrp

Field	Value	IRS element (for citing)
Preparer Firm EIN	472604526	PreparerFirmEIN

Preparer Firm Name PreparerFirmName

Field	Value	IRS element (for citing)
Business Name Line1	MYSTIC ACCOUNTING GROUP LLP	BusinessNameLine1Txt

Preparer US Address PreparerUSAddress

Field	Value	IRS element (for citing)
Address Line1	PO BOX 397	AddressLine1Txt
City	MYSTIC	CityNm
State Abbreviation	CT	StateAbbreviationCd
ZIP	06355	ZIPCd

Field	Value	IRS element (for citing)
Return Type	990	ReturnTypeCd
Tax Period Begin	2025-01-01	TaxPeriodBeginDt

Filer Filer

Field	Value	IRS element (for citing)
EIN	046061145	EIN

Business Name BusinessName

Field	Value	IRS element (for citing)
Business Name Line1	RIVER WORKS CREDIT UNION	BusinessNameLine1Txt

Field	Value	IRS element (for citing)
Business Name Control	RIVE	BusinessNameControlTxt
Phone	7815990096	PhoneNum

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	947 WESTERN AVE	AddressLine1Txt
City	LYNN	CityNm
State Abbreviation	MA	StateAbbreviationCd
ZIP	01905	ZIPCd

Business Officer BusinessOfficerGrp

Field	Value	IRS element (for citing)
Person	JAMES DONAHUE	PersonNm
Person Title	CEO/TREASURER	PersonTitleTxt
Phone	7815990096	PhoneNum
Signature	2026-06-16	SignatureDt
Discuss With Paid Preparer	Yes (true)	DiscussWithPaidPreparerInd

Preparer Person PreparerPersonGrp

Field	Value	IRS element (for citing)
Preparer Person	THEODOROS POULOPOULOS	PreparerPersonNm
PTIN	P02260731	PTIN
Phone	8605361040	PhoneNum
Preparation	2026-06-16	PreparationDt

Field	Value	IRS element (for citing)
Tax	2025	TaxYr
Build TS	2025-03-06 01:10:19Z	BuildTS

Form 990 IRS990

Field	Value	IRS element (for citing)
Principal Officer	JAMES DONAHUE	PrincipalOfficerNm

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	947 WESTERN AVE	AddressLine1Txt
City	LYNN	CityNm
State Abbreviation	MA	StateAbbreviationCd
ZIP	01905	ZIPCd

Field	Value	IRS element (for citing)
Gross Receipts	$10,231,359	GrossReceiptsAmt
Group Return For Affiliates	false	GroupReturnForAffiliatesInd
Organization501c	Yes (X)	Organization501cInd
Website Address	RWCU.COM	WebsiteAddressTxt
Type Of Organization Corp	Yes (X)	TypeOfOrganizationCorpInd
Formation	1936	FormationYr
Legal Domicile State	MA	LegalDomicileStateCd
Activity Or Mission	CREDIT UNION MEMBER SERVICE/THRIFT	ActivityOrMissionDesc
Voting Members Governing Body	11	VotingMembersGoverningBodyCnt
Voting Members Independent	10	VotingMembersIndependentCnt
Total Employee	26	TotalEmployeeCnt
Total Volunteers	8	TotalVolunteersCnt
Total Gross UBI	$8,925	TotalGrossUBIAmt
CY Contributions Grants	$0	CYContributionsGrantsAmt
PY Program Service Revenue	$6,329,700	PYProgramServiceRevenueAmt
CY Program Service Revenue	$8,375,736	CYProgramServiceRevenueAmt
PY Investment Income	$1,167,335	PYInvestmentIncomeAmt
CY Investment Income	$1,125,183	CYInvestmentIncomeAmt
PY Other Revenue	$781,958	PYOtherRevenueAmt
CY Other Revenue	$730,440	CYOtherRevenueAmt
PY Total Revenue	$8,278,993	PYTotalRevenueAmt
CY Total Revenue	$10,231,359	CYTotalRevenueAmt
CY Grants And Similar Paid	$0	CYGrantsAndSimilarPaidAmt
CY Benefits Paid To Members	$0	CYBenefitsPaidToMembersAmt
PY Salaries Comp Emp Bnft Paid	$2,360,880	PYSalariesCompEmpBnftPaidAmt
CY Salaries Comp Emp Bnft Paid	$2,401,162	CYSalariesCompEmpBnftPaidAmt
CY Total Prof Fndrsng Expns	$0	CYTotalProfFndrsngExpnsAmt
CY Total Fundraising Expense	$0	CYTotalFundraisingExpenseAmt
PY Other Expenses	$5,489,092	PYOtherExpensesAmt
CY Other Expenses	$7,190,457	CYOtherExpensesAmt
PY Total Expenses	$7,849,972	PYTotalExpensesAmt
CY Total Expenses	$9,591,619	CYTotalExpensesAmt
PY Revenues Less Expenses	$429,021	PYRevenuesLessExpensesAmt
CY Revenues Less Expenses	$639,740	CYRevenuesLessExpensesAmt
Total Assets BOY	$151,358,711	TotalAssetsBOYAmt
Total Assets EOY	$184,606,689	TotalAssetsEOYAmt
Total Liabilities BOY	$134,854,665	TotalLiabilitiesBOYAmt
Total Liabilities EOY	$167,762,879	TotalLiabilitiesEOYAmt
Net Assets Or Fund Balances BOY	$16,504,046	NetAssetsOrFundBalancesBOYAmt
Net Assets Or Fund Balances EOY	$16,843,810	NetAssetsOrFundBalancesEOYAmt
Mission	THE PROMOTION OF THRIFT AMONG ITS MEMBERS BY THE ACCUMULATION OF THEIR SAVINGS AND THE LOANING OF SUCH SAVINGS BACK TO ITS MEMBERS AT A MODERATE RATE OF INTEREST.	MissionDesc
Significant New Program Srvc	false	SignificantNewProgramSrvcInd
Significant Change	false	SignificantChangeInd
Desc	MAINTENANCE OF MEMBER SHARE AND DEPOSIT ACCOUNTS, THE PAYMENT OF INTEREST THEREON. NUMBER OF DEPOSIT ACCOUNTS IS 10,463. NUMBER OF LOAN ACCOUNTS IS 992.	Desc
Described In Section501c3	false	DescribedInSection501c3Ind
Schedule B Required	false	ScheduleBRequiredInd
Political Campaign Acty	false	PoliticalCampaignActyInd
Subject To Proxy Tax	false	SubjectToProxyTaxInd
Donor Advised Fund	false	DonorAdvisedFundInd
Conservation Easements	false	ConservationEasementsInd
Collections Of Art	false	CollectionsOfArtInd
Credit Counseling	Yes (true)	CreditCounselingInd
Donor Rstr Or Quasi Endowments	false	DonorRstrOrQuasiEndowmentsInd
Report Land Building Equipment	Yes (true)	ReportLandBuildingEquipmentInd
Report Investments Other Sec	false	ReportInvestmentsOtherSecInd
Report Program Related Invst	false	ReportProgramRelatedInvstInd
Report Other Assets	false	ReportOtherAssetsInd
Report Other Liabilities	Yes (true)	ReportOtherLiabilitiesInd
Include FIN48 Footnote	Yes (true)	IncludeFIN48FootnoteInd
Independent Audit Fincl Stmt	Yes (true)	IndependentAuditFinclStmtInd
Consolidated Audit Fincl Stmt	false	ConsolidatedAuditFinclStmtInd
School Operating	false	SchoolOperatingInd
Foreign Office	false	ForeignOfficeInd
Foreign Activities	false	ForeignActivitiesInd
More Than5000 K To Org	false	MoreThan5000KToOrgInd
More Than5000 K To Individuals	false	MoreThan5000KToIndividualsInd
Professional Fundraising	false	ProfessionalFundraisingInd
Fundraising Activities	false	FundraisingActivitiesInd
Gaming Activities	false	GamingActivitiesInd
Operate Hospital	false	OperateHospitalInd
Grants To Organizations	false	GrantsToOrganizationsInd
Grants To Individuals	false	GrantsToIndividualsInd
Schedule J Required	Yes (true)	ScheduleJRequiredInd
Tax Exempt Bonds	false	TaxExemptBondsInd
Loan Outstanding	false	LoanOutstandingInd
Grant To Related Person	false	GrantToRelatedPersonInd
Business Rln With Org Mem	false	BusinessRlnWithOrgMemInd
Business Rln With Fam Mem	Yes (true)	BusinessRlnWithFamMemInd
Business Rln With35 Ctrl Ent	false	BusinessRlnWith35CtrlEntInd
Deductible Non Cash Contri	false	DeductibleNonCashContriInd
Deductible Art Contribution	false	DeductibleArtContributionInd
Terminate Operations	false	TerminateOperationsInd
Partial Liquidation	false	PartialLiquidationInd
Disregarded Entity	false	DisregardedEntityInd
Related Entity	false	RelatedEntityInd
Related Organization Ctrl Ent	false	RelatedOrganizationCtrlEntInd
Activities Conducted Prtshp	false	ActivitiesConductedPrtshpInd
Schedule O Required	Yes (true)	ScheduleORequiredInd
IRP Document	2131	IRPDocumentCnt
IRP Document W2 G	0	IRPDocumentW2GCnt
Employee	26	EmployeeCnt
Employment Tax Returns Filed	Yes (true)	EmploymentTaxReturnsFiledInd
Unrelated Bus Incm Over Limit	Yes (true)	UnrelatedBusIncmOverLimitInd
Form990 T Filed	Yes (true)	Form990TFiledInd
Foreign Financial Account	false	ForeignFinancialAccountInd
Prohibited Tax Shelter Trans	false	ProhibitedTaxShelterTransInd
Taxable Party Notification	false	TaxablePartyNotificationInd
Nondeductible Contributions	false	NondeductibleContributionsInd
Indoor Tanning Services	false	IndoorTanningServicesInd
Subj To Tax Rmnrtn Ex Prcht Pymt	false	SubjToTaxRmnrtnExPrchtPymtInd
Subject To Excs Tax Net Invst Inc	false	SubjectToExcsTaxNetInvstIncInd
Info In Schedule O Part VI	Yes (X)	InfoInScheduleOPartVIInd
Governing Body Voting Members	11	GoverningBodyVotingMembersCnt
Independent Voting Member	10	IndependentVotingMemberCnt
Family Or Business Rln	false	FamilyOrBusinessRlnInd
Delegation Of Mgmt Duties	false	DelegationOfMgmtDutiesInd
Change To Org Documents	false	ChangeToOrgDocumentsInd
Material Diversion Or Misuse	false	MaterialDiversionOrMisuseInd
Members Or Stockholders	Yes (true)	MembersOrStockholdersInd
Election Of Board Members	Yes (true)	ElectionOfBoardMembersInd
Decisions Subject To Approva	Yes (true)	DecisionsSubjectToApprovaInd
Minutes Of Governing Body	Yes (true)	MinutesOfGoverningBodyInd
Minutes Of Committees	Yes (true)	MinutesOfCommitteesInd
Officer Mailing Address	false	OfficerMailingAddressInd
Local Chapters	false	LocalChaptersInd
Form990 Provided To Gvrn Body	Yes (true)	Form990ProvidedToGvrnBodyInd
Conflict Of Interest Policy	Yes (true)	ConflictOfInterestPolicyInd
Annual Disclosure Covered Prsn	false	AnnualDisclosureCoveredPrsnInd
Regular Monitoring Enfrc	false	RegularMonitoringEnfrcInd
Whistleblower Policy	Yes (true)	WhistleblowerPolicyInd
Document Retention Policy	Yes (true)	DocumentRetentionPolicyInd
Compensation Process CEO	Yes (true)	CompensationProcessCEOInd
Compensation Process Other	Yes (true)	CompensationProcessOtherInd
Investment In Joint Venture	false	InvestmentInJointVentureInd
States Where Copy Of Return Is Fld	MA	StatesWhereCopyOfReturnIsFldCd
Upon Request	Yes (X)	UponRequestInd

Books In Care Of Detail BooksInCareOfDetail

Field	Value	IRS element (for citing)
Person	JAMES DONAHUE	PersonNm
Phone	7815990096	PhoneNum

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	947 WESTERN AVE	AddressLine1Txt
City	LYNN	CityNm
State Abbreviation	MA	StateAbbreviationCd
ZIP	01905	ZIPCd

Form990 Part VII Section A Form990PartVIISectionAGrp (12 entries)

TitleTitleTxt	Average Hours Per WeekAverageHoursPerWeekRt	Individual Trustee Or DirectorIndividualTrusteeOrDirectorInd	OfficerOfficerInd	Reportable Comp From OrgReportableCompFromOrgAmt	Reportable Comp From Rltd OrgReportableCompFromRltdOrgAmt	Other CompensationOtherCompensationAmt
JAMES DONAHUE
CEO/TREASURE	40.00	Yes (X)	Yes (X)	$218,077	$0	$33,326
KEVIN J CHILES
CHAIRPERSON	10.00	Yes (X)	Yes (X)	$0	$0	$0
PAUL T CROWLEY
VICE CHAIRPE	25.00	Yes (X)	Yes (X)	$7,249	$0	$0
GEORGE HONOR
DIRECTOR	10.00	Yes (X)		$0	$0	$0
PAUL BARRON
SECRETARY/DI	10.00	Yes (X)	Yes (X)	$0	$0	$0
KEVIN MONAHAN
DIRECTOR	10.00	Yes (X)		$0	$0	$0
KEITH KENYON
DIRECTOR	10.00	Yes (X)		$0	$0	$0
NILSON GARCIA
DIRECTOR	10.00	Yes (X)		$0	$0	$0
COLLEEN TWINEM
AVP OPERATIO	40.00	Yes (X)		$155,481	$0	$8,865
PETER KOPOULOS
CFO	40.00		Yes (X)	$141,231	$0	$8,049
TIM LONG
DIRECTOR	10.00	Yes (X)		$0	$0	$0
JOHN MAGAZZU
DIRECTOR	10.00	Yes (X)		$0	$0	$0

Field	Value	IRS element (for citing)
Total Reportable Comp From Org	$522,038	TotalReportableCompFromOrgAmt
Total Other Compensation	$50,240	TotalOtherCompensationAmt
Indiv Rcvd Greater Than100 K	5	IndivRcvdGreaterThan100KCnt
Former Ofcr Employees Listed	false	FormerOfcrEmployeesListedInd
Total Comp Greater Than150 K	Yes (true)	TotalCompGreaterThan150KInd
Compensation From Other Srcs	false	CompensationFromOtherSrcsInd

Contractor Compensation ContractorCompensationGrp (3 entries)

Address Line1ContractorAddress/USAddress/AddressLine1Txt	CityContractorAddress/USAddress/CityNm	State AbbreviationContractorAddress/USAddress/StateAbbreviationCd	ZIPContractorAddress/USAddress/ZIPCd	ServicesServicesDesc	CompensationCompensationAmt
CONNECTICUT ONLINE - COCC
100 EXECUTIVE BLVD	SOUTHINGTON	CT	06489	DATA PROCESSING	$757,018
MASS GENERAL BRIGHAM HEALTHCARE
55 FRUIT STREET	BOSTON	MA	02114	HEALTHCARE	$234,726
FISERV
600 N VEL R PHILLIPS AVE	MILWAUKEE	WI	53203	TECH SOLUTIONS	$101,182

Field	Value	IRS element (for citing)
Cntrct Rcvd Greater Than100 K	3	CntrctRcvdGreaterThan100KCnt

Program Service Revenue ProgramServiceRevenueGrp

Field	Value	IRS element (for citing)
Desc	INTEREST ON LOANS	Desc
Business	522100	BusinessCd
Total Revenue Column	$8,375,736	TotalRevenueColumnAmt
Related Or Exempt Func Income	$8,375,736	RelatedOrExemptFuncIncomeAmt

Field	Value	IRS element (for citing)
Total Program Service Revenue	$8,375,736	TotalProgramServiceRevenueAmt

Investment Income InvestmentIncomeGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$1,125,183	TotalRevenueColumnAmt
Related Or Exempt Func Income	$1,125,183	RelatedOrExemptFuncIncomeAmt

Other Revenue Misc OtherRevenueMiscGrp (3 entries)

DescDesc	BusinessBusinessCd	Total Revenue ColumnTotalRevenueColumnAmt	Related Or Exempt Func IncomeRelatedOrExemptFuncIncomeAmt	Unrelated Business RevenueUnrelatedBusinessRevenueAmt
FEE AND SERVICE CHARGES	900099	$691,243	$691,243
OTHER NON INTEREST INCOME	900099	$30,272	$30,272
ATM SURCHARGES	900099	$8,925		$8,925

Field	Value	IRS element (for citing)
Other Revenue Total	$730,440	OtherRevenueTotalAmt

Total Revenue TotalRevenueGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$10,231,359	TotalRevenueColumnAmt
Related Or Exempt Func Income	$10,222,434	RelatedOrExemptFuncIncomeAmt
Unrelated Business Revenue	$8,925	UnrelatedBusinessRevenueAmt

Comp Current Ofcr Directors CompCurrentOfcrDirectorsGrp

Field	Value	IRS element (for citing)
Total	$870,985	TotalAmt

Other Salaries And Wages OtherSalariesAndWagesGrp

Field	Value	IRS element (for citing)
Total	$1,101,647	TotalAmt

Pension Plan Contributions PensionPlanContributionsGrp

Field	Value	IRS element (for citing)
Total	$66,779	TotalAmt

Other Employee Benefits OtherEmployeeBenefitsGrp

Field	Value	IRS element (for citing)
Total	$218,520	TotalAmt

Payroll Taxes PayrollTaxesGrp

Field	Value	IRS element (for citing)
Total	$143,231	TotalAmt

Fees For Services Accounting FeesForServicesAccountingGrp

Field	Value	IRS element (for citing)
Total	$86,327	TotalAmt

Advertising AdvertisingGrp

Field	Value	IRS element (for citing)
Total	$38,995	TotalAmt

Office Expenses OfficeExpensesGrp

Field	Value	IRS element (for citing)
Total	$96,983	TotalAmt

Information Technology InformationTechnologyGrp

Field	Value	IRS element (for citing)
Total	$815,192	TotalAmt

Occupancy OccupancyGrp

Field	Value	IRS element (for citing)
Total	$355,451	TotalAmt

Conferences Meetings ConferencesMeetingsGrp

Field	Value	IRS element (for citing)
Total	$26,949	TotalAmt

Interest InterestGrp

Field	Value	IRS element (for citing)
Total	$4,166,463	TotalAmt

Depreciation Depletion DepreciationDepletionGrp

Field	Value	IRS element (for citing)
Total	$143,323	TotalAmt

Insurance InsuranceGrp

Field	Value	IRS element (for citing)
Total	$50,858	TotalAmt

Other Expenses OtherExpensesGrp (4 entries)

DescDesc	TotalTotalAmt
MISCELLANEOUS COSTS	$384,350
LOAN SERVICING COSTS	$298,178
PROFESSIONAL FEES	$278,164
OPERATIONS EXPENSE	$151,635

All Other Expenses AllOtherExpensesGrp

Field	Value	IRS element (for citing)
Total	$297,589	TotalAmt

Total Functional Expenses TotalFunctionalExpensesGrp

Field	Value	IRS element (for citing)
Total	$9,591,619	TotalAmt
Program Services	$0	ProgramServicesAmt
Management And General	$0	ManagementAndGeneralAmt
Fundraising	$0	FundraisingAmt

Cash Non Interest Bearing CashNonInterestBearingGrp

Field	Value	IRS element (for citing)
BOY	$12,002,478	BOYAmt
EOY	$19,552,310	EOYAmt

Savings And Temp Cash Invst SavingsAndTempCashInvstGrp

Field	Value	IRS element (for citing)
BOY	$6,910,151	BOYAmt
EOY	$8,540,399	EOYAmt

Oth Notes Loans Receivable Net OthNotesLoansReceivableNetGrp

Field	Value	IRS element (for citing)
BOY	$123,929,794	BOYAmt
EOY	$146,590,178	EOYAmt

Prepaid Expenses Defrd Charges PrepaidExpensesDefrdChargesGrp

Field	Value	IRS element (for citing)
BOY	$102,271	BOYAmt
EOY	$104,352	EOYAmt

Field	Value	IRS element (for citing)
Land Bldg Equip Cost Or Other Bss	$4,995,665	LandBldgEquipCostOrOtherBssAmt
Land Bldg Equip Accum Deprec	$3,218,557	LandBldgEquipAccumDeprecAmt

Land Bldg Equip Basis Net LandBldgEquipBasisNetGrp

Field	Value	IRS element (for citing)
BOY	$1,859,720	BOYAmt
EOY	$1,777,108	EOYAmt

Investments Other Securities InvestmentsOtherSecuritiesGrp

Field	Value	IRS element (for citing)
BOY	$156,700	BOYAmt
EOY	$156,700	EOYAmt

Intangible Assets IntangibleAssetsGrp

Field	Value	IRS element (for citing)
BOY	$203,957	BOYAmt
EOY	$203,957	EOYAmt

Other Assets Total OtherAssetsTotalGrp

Field	Value	IRS element (for citing)
BOY	$6,193,640	BOYAmt
EOY	$7,681,685	EOYAmt

Total Assets TotalAssetsGrp

Field	Value	IRS element (for citing)
BOY	$151,358,711	BOYAmt
EOY	$184,606,689	EOYAmt

Accounts Payable Accr Expnss AccountsPayableAccrExpnssGrp

Field	Value	IRS element (for citing)
BOY	$1,657,003	BOYAmt
EOY	$1,858,619	EOYAmt

Escrow Account Liability EscrowAccountLiabilityGrp

Field	Value	IRS element (for citing)
BOY	$317,724	BOYAmt
EOY	$324,794	EOYAmt

Other Liabilities OtherLiabilitiesGrp

Field	Value	IRS element (for citing)
BOY	$132,879,938	BOYAmt
EOY	$165,579,466	EOYAmt

Total Liabilities TotalLiabilitiesGrp

Field	Value	IRS element (for citing)
BOY	$134,854,665	BOYAmt
EOY	$167,762,879	EOYAmt

Field	Value	IRS element (for citing)
Org Does Not Follow FASB117	Yes (X)	OrgDoesNotFollowFASB117Ind

Rtn Earn Endowment Incm Oth Fnds RtnEarnEndowmentIncmOthFndsGrp

Field	Value	IRS element (for citing)
BOY	$16,504,046	BOYAmt
EOY	$16,843,810	EOYAmt

Total Net Assets Fund Balance TotalNetAssetsFundBalanceGrp

Field	Value	IRS element (for citing)
BOY	$16,504,046	BOYAmt
EOY	$16,843,810	EOYAmt

Tot Liab Net Assets Fund Balance TotLiabNetAssetsFundBalanceGrp

Field	Value	IRS element (for citing)
BOY	$151,358,711	BOYAmt
EOY	$184,606,689	EOYAmt

Field	Value	IRS element (for citing)
Info In Schedule O Part XI	Yes (X)	InfoInScheduleOPartXIInd
Reconcilation Revenue Expnss	$639,740	ReconcilationRevenueExpnssAmt
Prior Period Adjustments	-$299,976	PriorPeriodAdjustmentsAmt
Method Of Accounting Accrual	Yes (X)	MethodOfAccountingAccrualInd
Accountant Compile Or Review	false	AccountantCompileOrReviewInd
FS Audited	Yes (true)	FSAuditedInd

FS Audited Basis FSAuditedBasisGrp

Field	Value	IRS element (for citing)
Separate Basis Fincl Stmt	Yes (X)	SeparateBasisFinclStmtInd

Field	Value	IRS element (for citing)
Audit Committee	Yes (true)	AuditCommitteeInd
Federal Grant Audit Required	false	FederalGrantAuditRequiredInd

Schedule D IRS990ScheduleD

Field	Value	IRS element (for citing)
Agent Trustee Etc	false	AgentTrusteeEtcInd
Incl Escrow Custodial Acct Liab	Yes (true)	InclEscrowCustodialAcctLiabInd
Explanation Provided	Yes (X)	ExplanationProvidedInd

Land LandGrp

Field	Value	IRS element (for citing)
Investment Cost Or Other Basis	$1,244,667	InvestmentCostOrOtherBasisAmt
Book Value	$1,244,667	BookValueAmt

Buildings BuildingsGrp

Field	Value	IRS element (for citing)
Investment Cost Or Other Basis	$2,340,557	InvestmentCostOrOtherBasisAmt
Depreciation	$2,014,356	DepreciationAmt
Book Value	$326,201	BookValueAmt

Leasehold Improvements LeaseholdImprovementsGrp

Field	Value	IRS element (for citing)
Investment Cost Or Other Basis	$226,312	InvestmentCostOrOtherBasisAmt
Depreciation	$226,312	DepreciationAmt

Equipment EquipmentGrp

Field	Value	IRS element (for citing)
Investment Cost Or Other Basis	$1,184,129	InvestmentCostOrOtherBasisAmt
Depreciation	$977,889	DepreciationAmt
Book Value	$206,240	BookValueAmt

Field	Value	IRS element (for citing)
Total Book Value Land Buildings	$1,777,108	TotalBookValueLandBuildingsAmt

Other Liabilities Org OtherLiabilitiesOrgGrp

Field	Value	IRS element (for citing)
Desc	MEMBER SHARES AND DEPOSITS	Desc
Amt	$165,579,466	Amt

Field	Value	IRS element (for citing)
Total Liability	$165,579,466	TotalLiabilityAmt
Footnote Text	Yes (X)	FootnoteTextInd
Total Rev Etc Audited Fincl Stmt	$10,231,359	TotalRevEtcAuditedFinclStmtAmt
Revenue Subtotal	$10,231,359	RevenueSubtotalAmt
Total Revenue Per Form990	$10,231,359	TotalRevenuePerForm990Amt
Tot Expns Etc Audited Fincl Stmt	$9,591,619	TotExpnsEtcAuditedFinclStmtAmt
Expenses Subtotal	$9,591,619	ExpensesSubtotalAmt
Total Expenses Per Form990	$9,591,619	TotalExpensesPerForm990Amt

Supplemental Information Detail SupplementalInformationDetail (2 entries)

Form And Line ReferenceFormAndLineReferenceDesc	ExplanationExplanationTxt
SCHEDULE D, PAGE 2, PART IV, LINE 2B	MORTGAGE ESCROW ACCOUNTS HELD FOR THE PAYMENT OF REAL ESTATE TAXES FOR MUNICIPALITIES.
SCHEDULE D, PAGE 3, PART X	THE CREDIT UNION FOLLOWS FASB ACCOUNTING STANDARDS CODIFICATION 740-10, ACCOUNTING FOR UNCERTAINTIES IN INCOME TAXES, AND HAS EVALUATED ITS TAX POSITIONS TAKEN FOR ALL OPEN YEARS AND HAS DETERMINED THAT THERE ARE NO UNCERTAIN TAX POSITIONS THAT QUALIFY FOR EITHER RECOGNITION OR DISCLOSURE.

Schedule J IRS990ScheduleJ

Field	Value	IRS element (for citing)
Compensation Survey	Yes (X)	CompensationSurveyInd
Board Or Committee Approval	Yes (X)	BoardOrCommitteeApprovalInd
Severance Payment	false	SeverancePaymentInd
Supplemental Nonqual Rtr Plan	false	SupplementalNonqualRtrPlanInd
Equity Based Comp Arrngm	false	EquityBasedCompArrngmInd

Rltd Org Officer Trst Key Empl RltdOrgOfficerTrstKeyEmplGrp (2 entries)

TitleTitleTxt	Base Compensation Filing OrgBaseCompensationFilingOrgAmt	Deferred Compensation Flng OrgDeferredCompensationFlngOrgAmt	Nontaxable Benefits Filing OrgNontaxableBenefitsFilingOrgAmt	Total Compensation Filing OrgTotalCompensationFilingOrgAmt
JAMES DONAHUE
CEO/TREASURER	$218,077	$32,039	$1,287	$251,403
COLLEEN TWINEM
AVP OPERATIONS	$155,481	$7,774	$1,091	$164,346

Schedule L IRS990ScheduleL

Bus Tr Involve Interested Prsn BusTrInvolveInterestedPrsnGrp

Name Of Interested NameOfInterested

Field	Value	IRS element (for citing)
Person	AMY BERBINE	PersonNm

Field	Value	IRS element (for citing)
Relationship Description	DAUGHTER	RelationshipDescriptionTxt
Transaction	$43,401	TransactionAmt
Transaction	W-2 EMPLOYEE	TransactionDesc
Sharing Of Revenues	false	SharingOfRevenuesInd

Supplemental Information Detail SupplementalInformationDetail

Field	Value	IRS element (for citing)
Form And Line Reference	SCHEDULE L, PART V	FormAndLineReferenceDesc
Explanation	THE CREDIT UNION EXTENDS CREDIT IN LOANS TO ITS EMPLOYEES AND BOARD OF DIRECTORS USING THE SAME GUIDELINES AS AVAILABLE TO ALL MEMBERS.	ExplanationTxt

Schedule O IRS990ScheduleO

Supplemental Information Detail SupplementalInformationDetail (8 entries)

Form And Line ReferenceFormAndLineReferenceDesc	ExplanationExplanationTxt
FORM 990, PAGE 6, PART VI, LINE 6	THE CREDIT UNION IS OWNED BY ITS MEMBERS.
FORM 990, PAGE 6, PART VI, LINE 7A	CREDIT UNION MEMBERS ELECT THEIR VOLUNTEER BOARD OF DIRECTORS WHO ARE ALSO MEMBERS OF THE CREDIT UNION. ONE MEMBER, ONE VOTE.
FORM 990, PAGE 6, PART VI, LINE 7B	ANY MAJOR CHANGES TO THE CREDIT UNION'S BY-LAWS MUST BE APPROVED BY THE MEMBERSHIP.
FORM 990, PAGE 6, PART VI, LINE 11B	THE CFO PREPARES FINANCIAL DOCUMENTS FOR THE 990. THE CREDIT UNION'S OUTSIDE CPA AUDITOR REVIEWS THE INFORMATION AND MAKES ANY NECESSARY ADJUSTMENTS WITH THE PREPARATION OF THE 990. THE 990 IS THEN REVIEWED BY THE CEO AND CFO PRIOR TO THE ELECTRONIC FILING OF THE REPORT. THE 990 IS AVAILABLE FOR THE BOARD AND SUPERVISORY COMMITTEE TO REVIEW.
FORM 990, PAGE 6, PART VI, LINE 15A	PROFESSIONAL CREDIT UNION COMPENSATION SURVEYS ARE OBTAINED AND PROVIDED TO THE BOARD. THE BOARD USES THIS INFORMATION IN CONJUNCTION WITH REVIEW OF THE PERFORMANCE OF THE CEO TO DETERMINE AN APPROPRIATE COMPENSATION AMOUNT. THE BOARD VOTES ON THE CEO'S COMPENSATION.
FORM 990, PAGE 6, PART VI, LINE 15B	BOARD COMMITTEE REVIEWS ECONOMY AND PERFORMANCE AND MAKES A RECOMMENDATION TO THE BOARD OF DIRECTORS. THE BOARD OF DIRECTORS VOTES TO APPROVE ANY WAGE INCREASE.
FORM 990, PAGE 6, PART VI, LINE 19	THE CREDIT UNION'S BYLAWS ARE AVAILABLE UPON REQUEST. FINANCIAL STATEMENTS ARE POSTED IN THE CREDIT UNION'S MAIN LOBBY AND ARE AVAILABLE UPON REQUEST. THEY CAN ALSO BE VIEWED ON NCUA'S WEBSITE.
FORM 990, PART XI, LINE 9	ADJUSTMENT OF (299,976) TO REMOVE LEASE LIABILITY REPORTED ON PREVIOUS YEAR RETURN.