ENERGY CREDIT UNION: Form 990, tax year 2012

View the entire original 990 at ProPublica ↗

Organization: ENERGY CREDIT UNION (EIN 04-2079800)
Tax period: 2012-01-01 to 2012-12-31
Filed: 2013-04-17
IRS object ID: 201341079349300304
Schema version: 2012v2.0
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)
Timestamp	2013-04-17T07:38:08-07:00	Timestamp
Tax Period End Date	2012-12-31	TaxPeriodEndDate

Preparer Firm PreparerFirm

Preparer Firm Business Name PreparerFirmBusinessName

Field	Value	IRS element (for citing)
Business Name Line1	ROBERT ANDERSON & COMPANY PC	BusinessNameLine1

Preparer Firm US Address PreparerFirmUSAddress

Field	Value	IRS element (for citing)
Address Line1	138 DODGE ST	AddressLine1
City	BEVERLY	City
State	MA	State
ZIP Code	019151866	ZIPCode

Field	Value	IRS element (for citing)
Return Type	990	ReturnType
Tax Period Begin Date	2012-01-01	TaxPeriodBeginDate

Filer Filer

Field	Value	IRS element (for citing)
EIN	042079800	EIN

Name Name

Field	Value	IRS element (for citing)
Business Name Line1	Energy Credit Union	BusinessNameLine1

Field	Value	IRS element (for citing)
Name Control	ENER	NameControl
Phone	6173251999	Phone

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	156 SPRING STREET	AddressLine1
City	WEST ROXBURY	City
State	MA	State
ZIP Code	02132	ZIPCode

Officer Officer

Field	Value	IRS element (for citing)
Name	PAUL N NOCE	Name
Title	President & CEO	Title
Date Signed	2013-04-17	DateSigned
Authorize Third Party	true	AuthorizeThirdParty

Preparer Preparer

Field	Value	IRS element (for citing)
Name	Robert Anderson	Name
PTIN	P01462745	PTIN
Phone	9782329300	Phone

Field	Value	IRS element (for citing)
Tax Year	2012	TaxYear
Build TS	2016-02-25 16:41:14Z	BuildTS

Form 990 IRS990

Field	Value	IRS element (for citing)
Gross Receipts	3271594	GrossReceipts
Group Return For Affiliates	false	GroupReturnForAffiliates
All Affiliates Included	false	AllAffiliatesIncluded
Organization501c	X	Organization501c
Web Site	N/A	WebSite
Activity Or Mission Description	CREDIT UNION	ActivityOrMissionDescription
Nbr Voting Members Governing Body	11	NbrVotingMembersGoverningBody
Nbr Independent Voting Members	10	NbrIndependentVotingMembers
Total Nbr Employees	12	TotalNbrEmployees
Total Nbr Volunteers	10	TotalNbrVolunteers
Total Gross UBI	22442	TotalGrossUBI
Net Unrelated Business Txbl Income	-71672	NetUnrelatedBusinessTxblIncome
Contributions Grants Current Year	0	ContributionsGrantsCurrentYear
Program Service Revenue Prior Year	2881568	ProgramServiceRevenuePriorYear
Program Service Revenue CY	2699750	ProgramServiceRevenueCY
Investment Income Prior Year	485835	InvestmentIncomePriorYear
Investment Income Current Year	380288	InvestmentIncomeCurrentYear
Other Revenue Prior Year	185040	OtherRevenuePriorYear
Other Revenue Current Year	191556	OtherRevenueCurrentYear
Total Revenue Prior Year	3552443	TotalRevenuePriorYear
Total Revenue Current Year	3271594	TotalRevenueCurrentYear
Grants And Similar Amnts CY	0	GrantsAndSimilarAmntsCY
Benefits Paid To Members CY	0	BenefitsPaidToMembersCY
Salaries Etc Prior Year	1080711	SalariesEtcPriorYear
Salaries Etc Current Year	1053791	SalariesEtcCurrentYear
Total Prof Fundrsng Exp CY	0	TotalProfFundrsngExpCY
Total Fundrsng Exp Current Year	0	TotalFundrsngExpCurrentYear
Other Expense Prior Year	2414177	OtherExpensePriorYear
Other Expenses Current Year	2216922	OtherExpensesCurrentYear
Total Expenses Prior Year	3494888	TotalExpensesPriorYear
Total Expenses Current Year	3270713	TotalExpensesCurrentYear
Revenues Less Expenses Prior Year	57555	RevenuesLessExpensesPriorYear
Revenues Less Expenses CY	881	RevenuesLessExpensesCY
Total Assets BOY	91651687	TotalAssetsBOY
Total Assets EOY	91069505	TotalAssetsEOY
Total Liabilities BOY	75339176	TotalLiabilitiesBOY
Total Liabilities EOY	74746525	TotalLiabilitiesEOY
Net Assets Or Fund Balances BOY	16312511	NetAssetsOrFundBalancesBOY
Net Assets Or Fund Balances EOY	16322980	NetAssetsOrFundBalancesEOY
Mission Description	CREDIT UNION	MissionDescription
Significant New Program Services	false	SignificantNewProgramServices
Significant Change	false	SignificantChange
Expense	626079	Expense
Description	MAINTENANCE OF MEMBER SHARE AND DEPOSIT ACCOUNTS AND THE PAYMENT OF INTEREST THERON. NUMBER OF ACCOUNTS IS 9,493.	Description

Activity2 Activity2

Field	Value	IRS element (for citing)
Revenue	2699250	Revenue
Description	MAINTAINING LOAN ACCOUNTS FOR MEMBERS. NUMBER OF ACCOUNTS IS 2,042.	Description

Field	Value	IRS element (for citing)
Total Program Service Expense	626079	TotalProgramServiceExpense
Described In501 C3	false	DescribedIn501C3
Schedule B Required	false	ScheduleBRequired
Political Activities	false	PoliticalActivities
Lobbying Activities	false	LobbyingActivities
Subject To Proxy Tax	false	SubjectToProxyTax
Donor Advised Funds	false	DonorAdvisedFunds
Conservation Easements	false	ConservationEasements
Collections Of Art	false	CollectionsOfArt
Credit Counseling	true	CreditCounseling
Term Or Permanent Endowments	false	TermOrPermanentEndowments
Report Land Bldg Equip	true	ReportLandBldgEquip
Report Invest Oth Securities	false	ReportInvestOthSecurities
Report Prog Rel Invest	false	ReportProgRelInvest
Report Other Assets	false	ReportOtherAssets
Report Other Liabilities	true	ReportOtherLiabilities
Report Fin48 Footnote	false	ReportFin48Footnote
Independent Audit Financial Stmt	false	IndependentAuditFinancialStmt
Consolidated Audit Financial Stmt	false	ConsolidatedAuditFinancialStmt
School	false	School
Foreign Office	false	ForeignOffice
Foreign Activities	false	ForeignActivities
More Than5000 K To Organizations	false	MoreThan5000KToOrganizations
More Than5000 K To Individuals	false	MoreThan5000KToIndividuals
Professional Fundraising	false	ProfessionalFundraising
Fundraising Activities	false	FundraisingActivities
Gaming	false	Gaming
Hospital	false	Hospital
Grants To Organizations	false	GrantsToOrganizations
Grants To Individuals	false	GrantsToIndividuals
Schedule J Required	true	ScheduleJRequired
Tax Exempt Bonds	false	TaxExemptBonds
Invest Tax Exempt Bonds	false	InvestTaxExemptBonds
Escrow Account	false	EscrowAccount
On Behalf Of Issuer	false	OnBehalfOfIssuer
Excess Benefit Transaction	false	ExcessBenefitTransaction
Prior Excess Benefit Transaction	false	PriorExcessBenefitTransaction
Loan To Officer Or DQP	true	LoanToOfficerOrDQP
Grant To Related Person	false	GrantToRelatedPerson
Bsnss Rltnshp With Organization	false	BsnssRltnshpWithOrganization
Bsnss Rltnshp Thru Family Member	false	BsnssRltnshpThruFamilyMember
Officer Entity With Bsnss Rltnshp	false	OfficerEntityWithBsnssRltnshp
Deductible Non Cash Contributions	false	DeductibleNonCashContributions
Deductible Contributions Of Art	false	DeductibleContributionsOfArt
Terminated	false	Terminated
Partial Liquidation	false	PartialLiquidation
Disregarded Entity	false	DisregardedEntity
Related Entity	false	RelatedEntity
Related Org Controlled Entity	false	RelatedOrgControlledEntity
Transaction Related Entity	false	TransactionRelatedEntity
Transfers To Exempt Non Chrtbl Org	false	TransfersToExemptNonChrtblOrg
Activities Conducted Partnership	false	ActivitiesConductedPartnership
Schedule O Required	true	ScheduleORequired
Number Forms Transmitted With1096	2211	NumberFormsTransmittedWith1096
Number W2 G Included	0	NumberW2GIncluded
Compliance With Backup Witholding	false	ComplianceWithBackupWitholding
Number Of Employees	12	NumberOfEmployees
Employment Tax Returns Filed	true	EmploymentTaxReturnsFiled
Unrelated Business Income	true	UnrelatedBusinessIncome
Foreign Financial Account	false	ForeignFinancialAccount
Prohibited Tax Shelter Trans	false	ProhibitedTaxShelterTrans
Taxable Party Notification	false	TaxablePartyNotification
Non Deductible Contributions	false	NonDeductibleContributions
Excess Business Holdings	false	ExcessBusinessHoldings
Taxable Distributions	false	TaxableDistributions
Distribution To Donor	false	DistributionToDonor
Filed Lieu1041	false	FiledLieu1041
Licensed More Than One State	false	LicensedMoreThanOneState
Indoor Tanning Services	false	IndoorTanningServices
Info In Schedule O Part VI	X	InfoInScheduleOPartVI
Nbr Voting Governing Body Members	11	NbrVotingGoverningBodyMembers
Number Independent Voting Members	10	NumberIndependentVotingMembers
Family Or Business Relationship	true	FamilyOrBusinessRelationship
Delegation Of Management Duties	false	DelegationOfManagementDuties
Changes To Organizing Docs	false	ChangesToOrganizingDocs
Material Diversion Or Misuse	false	MaterialDiversionOrMisuse
Members Or Stockholders	true	MembersOrStockholders
Election Of Board Members	true	ElectionOfBoardMembers
Decisions Subject To Approval	false	DecisionsSubjectToApproval
Minutes Of Governing Body	true	MinutesOfGoverningBody
Minutes Of Committees	true	MinutesOfCommittees
Officer Mailing Address	false	OfficerMailingAddress
Local Chapters	true	LocalChapters
Policies Reference Chapters	true	PoliciesReferenceChapters
Form990 Provided To Governing Body	false	Form990ProvidedToGoverningBody
Conflict Of Interest Policy	true	ConflictOfInterestPolicy
Annual Disclosure Covered Persons	true	AnnualDisclosureCoveredPersons
Regular Monitoring Enforcement	true	RegularMonitoringEnforcement
Whistleblower Policy	true	WhistleblowerPolicy
Document Retention Policy	true	DocumentRetentionPolicy
Compensation Process CEO	true	CompensationProcessCEO
Compensation Process Other	true	CompensationProcessOther
Investment In Joint Venture	false	InvestmentInJointVenture
Upon Request	X	UponRequest

The Books Are In Care Of TheBooksAreInCareOf

Field	Value	IRS element (for citing)
Name Person	Paul Noce	NamePerson
Telephone Number	6173251999	TelephoneNumber

Address US AddressUS

Field	Value	IRS element (for citing)
Address Line1	156 SPRING STREET	AddressLine1
City	WEST ROXBURY	City
State	MA	State
ZIP Code	02132	ZIPCode

Form990 Part VII Section A Form990PartVIISectionA (13 entries)

TitleTitle	Average Hours Per WeekAverageHoursPerWeek	Average Hours Per Week RelatedAverageHoursPerWeekRelated	Individual Trustee Or DirectorIndividualTrusteeOrDirector	OfficerOfficer	Reportable Comp From OrganizationReportableCompFromOrganization	Reportable Comp From Related OrgsReportableCompFromRelatedOrgs	Other CompensationOtherCompensation
ROBERT TEDESCO
CLERK	4.00	0.00	X	X	0	0	0
PAUL RICHARDSON
VICE CHAIRMAN	4.00	0.00	X	X	0	0	0
WILLIAM REYNOLDS
Director	4.00	0.00	X		0	0	0
MARIE PREVETT
Director	40.00	0.00	X	X	99634	0	3122
BARBARA KELLEHER
Treasurer	4.00	0.00	X	X	0	0	0
WILLIAM GOODWIN
Director	4.00	0.00	X		0	0	0
DIANNE DUHAIME
Director	4.00	0.00	X		0	0	0
DANIEL O'CONNELL
Director	4.00	0.00	X		0	0	0
BERNARD DOHERTY
Chairman	4.00	0.00	X	X	0	0	0
DEBORAH CASNA
Director	4.00	0.00	X		0	0	0
JOSEPH C CARROLL
Director	4.00	0.00	X		0	0	0
JOHN RABAIOLI
CFO	40.00	0.00		X	83612	0	2684
PAUL N NOCE
President & CEO	40.00	0.00		X	174007	0	6369

Field	Value	IRS element (for citing)
Total Reportable Comp From Org	357253	TotalReportableCompFromOrg
Total Other Compensation	12175	TotalOtherCompensation
Number Individuals GT100 K	1	NumberIndividualsGT100K
Formers Listed	false	FormersListed
Total Comp GT150 K	true	TotalCompGT150K
Compensation From Other Sources	false	CompensationFromOtherSources

Contractor Compensation ContractorCompensation (2 entries)

Address Line1AddressOfContractor/AddressUS/AddressLine1	CityAddressOfContractor/AddressUS/City	StateAddressOfContractor/AddressUS/State	ZIP CodeAddressOfContractor/AddressUS/ZIPCode	Description Of ServicesDescriptionOfServices	CompensationCompensation
DIEBOLD INC
PO BOX 643543	PITTSBURGH	PA	15264	ATM SERVICES	103741
CONNECTICUT ONLINE COCC
135 DARLING DRIVE AVON PARK SOUTH	AVON	CT	06001	DATA PROCESSING	231696

Field	Value	IRS element (for citing)
Number Of Contractors GT100 K	2	NumberOfContractorsGT100K
Total Contributions	0	TotalContributions

Program Service Revenue ProgramServiceRevenue

Field	Value	IRS element (for citing)
Description	INTEREST ON LOANS	Description
Business Code	522100	BusinessCode
Total Revenue Column	2699750	TotalRevenueColumn
Related Or Exempt Function Income	2699750	RelatedOrExemptFunctionIncome

Field	Value	IRS element (for citing)
Total Program Service Revenue	2699750	TotalProgramServiceRevenue

Investment Income InvestmentIncome

Field	Value	IRS element (for citing)
Total Revenue Column	380288	TotalRevenueColumn
Related Or Exempt Function Income	380288	RelatedOrExemptFunctionIncome

Income From Invest Bond Proceeds IncomeFromInvestBondProceeds

Field	Value	IRS element (for citing)
Total Revenue Column	0	TotalRevenueColumn

Royalties Revenue RoyaltiesRevenue

Field	Value	IRS element (for citing)
Total Revenue Column	0	TotalRevenueColumn

Net Rental Income Or Loss NetRentalIncomeOrLoss

Field	Value	IRS element (for citing)
Total Revenue Column	0	TotalRevenueColumn

Net Gain Or Loss Investments NetGainOrLossInvestments

Field	Value	IRS element (for citing)
Total Revenue Column	0	TotalRevenueColumn

Net Income From Fundraising Events NetIncomeFromFundraisingEvents

Field	Value	IRS element (for citing)
Total Revenue Column	0	TotalRevenueColumn

Net Income From Gaming NetIncomeFromGaming

Field	Value	IRS element (for citing)
Total Revenue Column	0	TotalRevenueColumn

Net Income Or Loss NetIncomeOrLoss

Field	Value	IRS element (for citing)
Total Revenue Column	0	TotalRevenueColumn

Other Revenue Misc OtherRevenueMisc (3 entries)

DescriptionDescription	Business CodeBusinessCode	Total Revenue ColumnTotalRevenueColumn	Related Or Exempt Function IncomeRelatedOrExemptFunctionIncome	Unrelated Business RevenueUnrelatedBusinessRevenue
SERVICE CHARGES & FEES	900099	33333	33333
OTHER INCOME	900099	135781	135781
ATM FEES	522100	22442		22442

Field	Value	IRS element (for citing)
Total Other Revenue	191556	TotalOtherRevenue

Total Revenue TotalRevenue

Field	Value	IRS element (for citing)
Total Revenue Column	3271594	TotalRevenueColumn
Related Or Exempt Function Income	3249152	RelatedOrExemptFunctionIncome
Unrelated Business Revenue	22442	UnrelatedBusinessRevenue

Grants To Domestic Orgs GrantsToDomesticOrgs

Field	Value	IRS element (for citing)
Total	0	Total

Grants To Domestic Individuals GrantsToDomesticIndividuals

Field	Value	IRS element (for citing)
Total	0	Total

Foreign Grants ForeignGrants

Field	Value	IRS element (for citing)
Total	0	Total

Benefits To Members BenefitsToMembers

Field	Value	IRS element (for citing)
Total	0	Total

Comp Current Officers Directors CompCurrentOfficersDirectors

Field	Value	IRS element (for citing)
Total	369428	Total
Management And General	369428	ManagementAndGeneral

Comp Disqual Persons CompDisqualPersons

Field	Value	IRS element (for citing)
Total	0	Total

Other Salaries And Wages OtherSalariesAndWages

Field	Value	IRS element (for citing)
Total	672188	Total
Management And General	672188	ManagementAndGeneral

Pension Plan Contributions PensionPlanContributions

Field	Value	IRS element (for citing)
Total	9882	Total
Management And General	9882	ManagementAndGeneral

Other Employee Benefits OtherEmployeeBenefits

Field	Value	IRS element (for citing)
Total	2293	Total
Management And General	2293	ManagementAndGeneral

Payroll Taxes PayrollTaxes

Field	Value	IRS element (for citing)
Total	0	Total

Fees For Services Management FeesForServicesManagement

Field	Value	IRS element (for citing)
Total	0	Total

Fees For Services Legal FeesForServicesLegal

Field	Value	IRS element (for citing)
Total	0	Total

Fees For Services Accounting FeesForServicesAccounting

Field	Value	IRS element (for citing)
Total	0	Total

Fees For Services Lobbying FeesForServicesLobbying

Field	Value	IRS element (for citing)
Total	0	Total

Fees For Services Prof Fundraising FeesForServicesProfFundraising

Field	Value	IRS element (for citing)
Total	0	Total

Fees For Services Invst Mgmnt Fees FeesForServicesInvstMgmntFees

Field	Value	IRS element (for citing)
Total	0	Total

Fees For Services Other FeesForServicesOther

Field	Value	IRS element (for citing)
Total	0	Total

Advertising Advertising

Field	Value	IRS element (for citing)
Total	94007	Total
Management And General	94007	ManagementAndGeneral

Office Expenses OfficeExpenses

Field	Value	IRS element (for citing)
Total	59073	Total
Management And General	59073	ManagementAndGeneral

Information Technology InformationTechnology

Field	Value	IRS element (for citing)
Total	442110	Total
Management And General	442110	ManagementAndGeneral

Royalties Royalties

Field	Value	IRS element (for citing)
Total	0	Total

Occupancy Occupancy

Field	Value	IRS element (for citing)
Total	80490	Total
Management And General	80490	ManagementAndGeneral

Travel Travel

Field	Value	IRS element (for citing)
Total	0	Total

Travel Entrtnmnt Public Officials TravelEntrtnmntPublicOfficials

Field	Value	IRS element (for citing)
Total	0	Total

Conferences Meetings ConferencesMeetings

Field	Value	IRS element (for citing)
Total	37491	Total
Management And General	37491	ManagementAndGeneral

Interest Interest

Field	Value	IRS element (for citing)
Total	626079	Total
Program Services	626079	ProgramServices

Payments To Affiliates PaymentsToAffiliates

Field	Value	IRS element (for citing)
Total	0	Total

Depreciation Depletion DepreciationDepletion

Field	Value	IRS element (for citing)
Total	111367	Total
Management And General	111367	ManagementAndGeneral

Insurance Insurance

Field	Value	IRS element (for citing)
Total	66629	Total
Management And General	66629	ManagementAndGeneral

Other Expenses OtherExpenses (4 entries)

DescriptionDescription	TotalTotal	Management And GeneralManagementAndGeneral
NCUA INSURANCE ASSESSMENT	67977	67977
PROVISION FOR LOAN LOSSES	97777	97777
MISCELLANEOUS EXPENSE	145235	145235
EQUIPMENT MAINTENANCE	260610	260610

All Other Expenses AllOtherExpenses

Field	Value	IRS element (for citing)
Total	128077	Total
Management And General	128077	ManagementAndGeneral

Total Functional Expenses TotalFunctionalExpenses

Field	Value	IRS element (for citing)
Total	3270713	Total
Program Services	626079	ProgramServices
Management And General	2644634	ManagementAndGeneral
Fundraising	0	Fundraising

Cash Non Interest Bearing CashNonInterestBearing

Field	Value	IRS element (for citing)
BOY	1141482	BOY
EOY	2918481	EOY

Savings And Temp Cash Investments SavingsAndTempCashInvestments

Field	Value	IRS element (for citing)
BOY	27241323	BOY
EOY	27076158	EOY

Pledges And Grants Receivable PledgesAndGrantsReceivable

Field	Value	IRS element (for citing)
EOY	0	EOY

Accounts Receivable AccountsReceivable

Field	Value	IRS element (for citing)
EOY	0	EOY

Receivables From Officers Etc ReceivablesFromOfficersEtc

Field	Value	IRS element (for citing)
BOY	923502	BOY
EOY	816762	EOY

Receivables From Disqual Persons ReceivablesFromDisqualPersons

Field	Value	IRS element (for citing)
EOY	0	EOY

Other Notes Loans Receivable Net OtherNotesLoansReceivableNet

Field	Value	IRS element (for citing)
BOY	46890601	BOY
EOY	44388517	EOY

Inventories For Sale Or Use InventoriesForSaleOrUse

Field	Value	IRS element (for citing)
EOY	0	EOY

Prepaid Expenses Deferred Charges PrepaidExpensesDeferredCharges

Field	Value	IRS element (for citing)
BOY	129598	BOY
EOY	114401	EOY

Field	Value	IRS element (for citing)
Land Buildings Equipment Basis	3974637	LandBuildingsEquipmentBasis
Land Bldg Equipment Accum Deprec	333917	LandBldgEquipmentAccumDeprec

Land Buildings Equipment Basis Net LandBuildingsEquipmentBasisNet

Field	Value	IRS element (for citing)
BOY	3438815	BOY
EOY	3640720	EOY

Investments Pub Traded Securities InvestmentsPubTradedSecurities

Field	Value	IRS element (for citing)
BOY	10427311	BOY
EOY	10791238	EOY

Investments Other Securities InvestmentsOtherSecurities

Field	Value	IRS element (for citing)
EOY	0	EOY

Investments Program Related InvestmentsProgramRelated

Field	Value	IRS element (for citing)
EOY	0	EOY

Intangible Assets IntangibleAssets

Field	Value	IRS element (for citing)
EOY	0	EOY

Other Assets Total OtherAssetsTotal

Field	Value	IRS element (for citing)
BOY	1459055	BOY
EOY	1323228	EOY

Total Assets TotalAssets

Field	Value	IRS element (for citing)
BOY	91651687	BOY
EOY	91069505	EOY

Accounts Payable Accrued Expenses AccountsPayableAccruedExpenses

Field	Value	IRS element (for citing)
BOY	307449	BOY
EOY	865873	EOY

Escrow Account Liability EscrowAccountLiability

Field	Value	IRS element (for citing)
BOY	111267	BOY
EOY	108876	EOY

Other Liabilities OtherLiabilities

Field	Value	IRS element (for citing)
BOY	74920460	BOY
EOY	73771776	EOY

Total Liabilities TotalLiabilities

Field	Value	IRS element (for citing)
BOY	75339176	BOY
EOY	74746525	EOY

Field	Value	IRS element (for citing)
Do Not Follow SFAS117	X	DoNotFollowSFAS117

Retained Earnings Endowment Etc RetainedEarningsEndowmentEtc

Field	Value	IRS element (for citing)
BOY	16312511	BOY
EOY	16322980	EOY

Total Net Assets Fund Balances TotalNetAssetsFundBalances

Field	Value	IRS element (for citing)
BOY	16312511	BOY
EOY	16322980	EOY

Total Liab Net Assets Fund Balances TotalLiabNetAssetsFundBalances

Field	Value	IRS element (for citing)
BOY	91651687	BOY
EOY	91069505	EOY

Field	Value	IRS element (for citing)
Info In Schedule O Part XI	X	InfoInScheduleOPartXI
Reconcilation Revenue Expenses	881	ReconcilationRevenueExpenses
Reconcilation Other Changes	9588	ReconcilationOtherChanges
Method Of Accounting Accrual	X	MethodOfAccountingAccrual
Accountant Compile Or Review	false	AccountantCompileOrReview
FS Audited	true	FSAudited

FS Audited Basis FSAuditedBasis

Field	Value	IRS element (for citing)
Financial Statement Separate	X	FinancialStatementSeparate

Field	Value	IRS element (for citing)
Audit Committee	true	AuditCommittee
Federal Grant Audit Required	false	FederalGrantAuditRequired

Schedule D IRS990ScheduleD

Field	Value	IRS element (for citing)
Agent Trustee Etc	false	AgentTrusteeEtc
Included On FS	true	IncludedOnFS

Land Land

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	700000	OtherCostOrOtherBasis
Book Value	700000	BookValue

Buildings Buildings

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	2499139	OtherCostOrOtherBasis
Depreciation	184808	Depreciation
Book Value	2314331	BookValue

Leasehold Improvements LeaseholdImprovements

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	257178	OtherCostOrOtherBasis
Depreciation	105620	Depreciation
Book Value	151558	BookValue

Other Land Buildings OtherLandBuildings

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	518320	OtherCostOrOtherBasis
Depreciation	43489	Depreciation
Book Value	474831	BookValue

Field	Value	IRS element (for citing)
Total Of Book Value Land Buildings	3640720	TotalOfBookValueLandBuildings

Other Liabilities OtherLiabilities

Field	Value	IRS element (for citing)
Description	MEMBER SHARES AND DEPOSIT ACCOUNTS	Description
Amount	$73,771,776	Amount

Field	Value	IRS element (for citing)
Total Of Amounts	73771776	TotalOfAmounts

Schedule J IRS990ScheduleJ

Field	Value	IRS element (for citing)
Compensation Committee	X	CompensationCommittee
Compensation Survey	X	CompensationSurvey
Board Or Committee Approval	X	BoardOrCommitteeApproval
Severance Payment	false	SeverancePayment
Supplemental Nonqual Retire Plan	false	SupplementalNonqualRetirePlan
Equity Based Comp Arrangement	false	EquityBasedCompArrangement

Form990 Schedule J Part II Form990ScheduleJPartII

Field	Value	IRS element (for citing)
Name Person	PAUL N NOCE	NamePerson
Title	President & CEO	Title
Base Compensation Filing Org	167033	BaseCompensationFilingOrg
Bonus Filing Org	2172	BonusFilingOrg
Other Compensation Filing Org	4802	OtherCompensationFilingOrg
Deferred Comp Filing Org	4360	DeferredCompFilingOrg
Nontaxable Benefits Filing Org	2009	NontaxableBenefitsFilingOrg
Total Compensation Filing Org	180376	TotalCompensationFilingOrg

Schedule L IRS990ScheduleL

Loan Table LoanTable (14 entries)

Relationship With OrganizationRelationshipWithOrganization	Purpose Of LoanPurposeOfLoan	Loan From OrganizationLoanFromOrganization	Original PrincipalOriginalPrincipalAmount	Balance DueBalanceDue	DefaultDefault	Approved By BoardApprovedByBoard	Written AgreementWrittenAgreement
MARIE PREVETT
DIRECTOR	LOAN	X	$20,000	19939	false	true	true
ROBERTY TEDESCO
DIRECTOR	LOAN	X	$3,330	2562	false	true	true
WILLIAM REYNOLDS
DIRECTOR	LOAN	X		2	false	true	true
MARIE PREVETT
DIRECTOR	LOAN	X	$160,000	85014	false	true	true
MARIE PREVETT
DIRECTOR	LOAN	X	$16,000	8797	false	true	true
MARIE PREVETT
DIRECTOR	LOAN	X	$60,000	51121	false	true	true
PAUL NOCE
OFFICER	LOAN	X	$336,000	308418	false	true	true
PAUL NOCE
OFFICER	LOAN	X	$80,000	70216	false	true	true
PAUL NOCE
OFFICER	LOAN	X	$750	750	false	true	true
PAUL NOCE
OFFICER	LOAN	X	$19,575	18749	false	true	true
DANIEL O'CONNELL
DIRECTOR	LOAN	X		71099	false	true	true
WILLIAM GOODWIN
DIRECTOR	LOAN	X	$20,414	5998	false	true	true
JOSEPH CARROLL
DIRECTOR	LOAN	X	$178,000	172029	false	true	true
BERNARD DOHERTY
DIRECTOR	LOAN	X	$4,000	2068	false	true	true

Field	Value	IRS element (for citing)
Total Balance Due	816762	TotalBalanceDue

Form990 Schedule L Part IV Form990ScheduleLPartIV

Name Of Interested Person NameOfInterestedPerson

Name Business NameBusiness

Field	Value	IRS element (for citing)
Business Name Line1	WYATTS INC	BusinessNameLine1

Field	Value	IRS element (for citing)
Relationship	BROTHER IN LAW	Relationship
Amount Of Transaction	30000	AmountOfTransaction
Description Of Transaction	CONSULTING SERVICES	DescriptionOfTransaction
Sharing Of Revenues	false	SharingOfRevenues

Schedule O IRS990ScheduleO

General Explanation GeneralExplanation (8 entries)

IdentifierIdentifier	Return ReferenceReturnReference	ExplanationExplanation
Form 990, Part XI, Line 9	Other Changes In Net Assets Or Fund Balances - Other Increases	CHANGE IN MARKET VALUE DUE TO FAS115 = $9588
Form 990, Part VI, Line 19	Form 990, Part VI, Line 19: Other Organization Documents Publicly Available	FINANCIALS ARE AVAILABLE ON NCUA.GOV WEBSITE, POSTED AT THE CREDIT UNION. OTHER INFORMATION IS AVAILABLE UPON REQUEST.
Form 990, Part VI, Line 15b	Form 990, Part VI, Line 15b: Compensation Review and Approval Process for Officers and Key Employees	BOARD APPROVES COMPENSATION BASED UPON PERFORMANCE AND INDUSTY.
Form 990, Part VI, Line 15a	Form 990, Part VI, Line 15a: Compensation Review & Approval Process - CEO, Top Management	BOARD APPROVES COMPENSATION BASED UPON PERFORMANCE AND INDUSTY.
Form 990, Part VI, Line 12c	Form 990, Part VI, Line 12c: Explanation of Monitoring and Enforcement of Conflicts	DIRECTORS SIGN OFF THAT THEY HAVE READ AND UNDERSTAND THE CONFLICT ON INTEREST POLICY.
Form 990, Part VI, Line 11b	Form 990, Part VI, Line 11b: Form 990 Review Process	THE FORM 990 WILL BE REVIEWED ONCE COMPLETED. DUE TO TIMING BETWEEN COMPLETION AND FILING DUE DATE, THE REVIEW MAY BE SUBSEQUENT TO FILING. THE BOARDS ACTIONS ARE NOTED IN THE MINUTES.
Form 990, Part VI, Line 6	Form 990, Part VI, Line 6: Explanation of Classes of Members or Shareholder	Persons who meet the requirements of the organization's field of membership who hold at least one share of the capital.
Form 990, Part VI, Line 2	Form 990, Part VI, Line 2: Description of Business or Family Relationship of Officers, Directors, Et	PAUL N. NOCE'S BROTHER-IN-LAW IS THE PRESIDENT OF WYATT'S INC. IT CONSULTING @$33,000 PAID DURING 2012.