2012-05-21T13:14:22-07:00 2011-12-31 ROBERT ANDERSON & COMPANY PC 138 DODGE ST BEVERLY MA 019151866 990 2011-01-01 041801520 ST JEANS CREDIT UNION STJE 7815925420 250 MAPLE STREET Lynn MA 01904 C DAVID SURFACE 2012-05-21 true Robert Anderson 9782329300 2011 2016-02-24 21:20:13Z 14692130 false false X www.stjeanscu.com CREDIT UNION 11 10 62 10 72840 -43966 0 5458101 5151262 551127 469362 1448617 1438973 7457845 7059597 0 0 2561201 2612051 0 0 4346603 4046385 6907804 6658436 550041 401161 133701426 140798720 120156524 127079352 13544902 13719368 CREDIT UNION false false 1089173 MAINTAINING OF MEMBERS ACCOUNTS AND THE PAYMENTS OF DIVIDENDS THERE ON. NUMBER OF ACCOUNTS 25,799.. 5151262 MAKING LOANS TO MEMBERS AT INTEREST. NUMBER OF ACCOUNTS 3,825. 1089173 false false false false false false false false true false true true false false true false true false false false false false false false false false false false false true false false false false false false true false false false false false false false false false false false false false false true 3398 0 true 62 true true true false false false false false false false false false false false false false X 11 10 false false false false true true true true true false true true true true true true true true true true false false X David Surface 7815925420 250 MAPLE STREET LYNN MA 01904 IRA NOVOSELSKY 2.00 X 0 0 0 STEPHEN SALVO 4.00 X X 0 0 0 PHILIP J DOYLE 2.00 X 0 0 0 RICHARD DRAGONE 4.00 X X 0 0 0 STEVEN WALSH 2.00 X 0 0 0 PATRICK BRADY 2.00 X X 0 0 0 C DAVID SURFACE 40.00 X X 187096 0 24421 PAUL AMIRAULT 2.00 X 0 0 0 J PAUL BURKE 5.00 X X 0 0 0 RICHARD BONNEVIE 2.00 X X 0 0 0 LINDA LEBLANC 2.00 X X 0 0 0 SCOTT RAMSEY 40.00 X 82007 0 22811 NICOLE A MARKEE 40.00 X 72136 0 16066 KAREN INTERBARTOLO 40.00 X 81645 0 16392 KATHY MACDONALD 40.00 X 80655 0 11562 KATHY DONAHUE 40.00 X 101863 0 17925 605402 109177 2 false true false SYNERGENT 2 LEDGEWOOD DRIVE WESTBROOK ME 04092 CORE PROCESSOR 188127 OPEN SOLUTIONS INC 455 WINDING BROOK DRIVE GLASTONBURY CT 06033 CORE DATA PROCESSING 155358 DIGITAL INSIGHT PO BOX 515306 LOS ANGELES CA 900516606 HOME BANKING/BILL PA 153556 3 0 INTEREST ON LOANS 5151262 5151262 5151262 372450 372450 0 0 0 7729445 7632533 96912 96912 96912 0 0 0 SERVICE CHARGES AND FEES 1084855 1084855 OTHER INCOME 281278 281278 NON MEMBER ATM FEES 72840 72840 1438973 7059597 6986757 72840 0 0 0 0 714579 714579 0 1396356 1396356 106993 106993 218341 218341 175782 175782 0 5750 5750 28000 28000 0 0 0 0 102075 102075 255278 255278 400127 400127 0 635200 635200 54354 54354 0 0 1089173 1089173 0 301494 301494 14134 14134 PROVISION FOR LOAN LOSSES 205027 205027 Postage and Shipping 85300 85300 NCUA EXPENSE 308237 308237 EQUIPMENT 116971 116971 EFT 212170 212170 233095 233095 6658436 1089173 5569263 0 1519404 1477753 25928327 29734170 0 0 600589 2899245 0 89871724 85732841 0 86534 195582 7893744 2226767 4832272 5666977 0 8901046 12649216 0 0 1961530 2442936 133701426 140798720 334543 317885 352236 352529 119469745 126408938 120156524 127079352 X 13544902 13719368 13544902 13719368 133701426 140798720 X 401161 -226695 X false true true X false false false true 1813976 1813976 2614979 743289 1871690 1033279 227263 806016 2431510 1256215 1175295 5666977 12649216 SHARES AND DEPOSITS 125974681 OTHER LIABILITIES 434257 126408938 7059597 6658436 401161 -226695 -226695 174466 7059597 7059597 7059597 6658436 6658436 6658436 Part XI, Line 8 Part XI, Line 8: Other Changes in Net Assets or Fund Balances CHANGE IN FMV DUE TO SFAS 115 $ -1695 PAYMENTS TO DONATED EQUITY $ -225000 Part IV, Line 2b Part IV, Line 2b: Explanation of escrow account liability MORTGAGE ESCROW ACCOUNTS HELD FOR THE PAYMENT OF REAL ESTATE TAXES FOR MUNICIPALITIES. X true true X X false false false C DAVID SURFACE 159415 8101 19580 12112 12309 211517 Sch J, Part I, Line 1a Part I, Line 1a: Relevant information in regards to selections on 1a. PAUL AMIRAULT LOAN X 82 false true true PATRICK BRADY LOAN X 101820 101562 false true true SCOTT RAMSEY LOAN X 1036 false true true SCOTT RAMSEY LOAN X 8250 5023 false true true RICHARD BONNEVIE LOAN X 20040 1182 false true true KAREN INTERBARTOLO LOAN X 26 false true true KAREN INTERBARTOLO LOAN X 30246 22561 false true true JOHN BURKE LOAN X 23968 21426 false true true C DAVID SURFACE LOAN X 145779 145150 false true true STEPHEN SALVO LOAN X 50000 17295 false true true STEPHEN SALVO LOAN X 5500 false true true NICOLE MARKEE LOAN X 2988 2719 false true true STEVEN WALSH LOAN X 986 986 false true true STEVEN WALSH LOAN X 27550 24967 false true true STEVEN WALSH LOAN X 28318 false true true RICHARD DRAGONE LOAN X 243670 false true true KATHLEEN DONAHUE LOAN X 16350 15566 false true true STEVEN WALSH LOAN X 113000 108607 false true true STEPHEN SALVO LOAN X 533850 533115 false true true NICOLE MARKEE EQUITY LOAN X 270000 258919 false true true KATHRYN MACDONALD LOAN X 257000 231465 false true true LINDA LEBLANC LOAN X 80000 77724 false true true KAREN INTERBARTOLO LOAN X 114500 107437 false true true RICHARD DRAGONE LOAN X 309600 278439 false true true PHILLIP DOYLE LOAN X 140000 136327 false true true PHILLIP DOYLE LOAN X 268000 211054 false true true KATHLEEN DONAHUE LOAN X 359650 325733 false true true 2899245 Form 990, Part VI, Line 19 Form 990, Part VI, Line 19: Other Organization Documents Publicly Available Information is posted in the lobby at branch locations and available upon request. The information is updated on a monthly basis after the board meets each month. Form 990, Part VI, Line 15b Form 990, Part VI, Line 15b: Compensation Review and Approval Process for Officers and Key Employees CEO'S COMPENSATION IS DETERMINED BY THE BOARD OF DIRECTORS. SENIOR MANAGMENT IS DETERMINED BY INCREASE SET FORTH FOR STAFF AND APPROVED BY THE BOARD OF DIRECTORS. SALARY SURVEYS, INDUSTRY TRENDS AND EARNINGS ARE ALL TAKEN INTO CONSIDERATION. Form 990, Part VI, Line 12c Form 990, Part VI, Line 12c: Explanation of Monitoring and Enforcement of Conflicts Employees and Staff receive a new copy of the policy yearly. Signed acknowledgements are kept on file. Form 990, Part VI, Line 11 Form 990, Part VI, Line 11: Form 990 Review Process Once received the 990 will be reviewed by the CEO and directors. Due to filing deadlines, the 990 may be reviewed by the board of directors subsequent to filing. The review is documented in the minutes. Form 990, Part VI, Line 7b Form 990, Part VI, Line 7b: Describe Decisions of Governing Body Approval by Members or Shareholders Any changes to the incorporating documents, i.e. Bylaws are approved by the membership. Form 990, Part VI, Line 7a Form 990, Part VI, Line 7a: How Members or Shareholders Elect Governing Body Each member has a vote at the election of the board of directors. 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.