BROCKTON POSTAL EMPLOYEES CREDIT UNION: Form 990, tax year 2011

View the entire original 990 at ProPublica ↗

Organization: BROCKTON POSTAL EMPLOYEES CREDIT UNION (EIN 04-1123405)
Tax period: 2011-01-01 to 2011-12-31
Filed: 2012-04-19
IRS object ID: 201241109349300404
Schema version: 2011v1.2
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 L
Schedule O

Return header ReturnHeader

Field	Value	IRS element (for citing)
Timestamp	2012-04-19T08:24:17-07:00	Timestamp
Tax Period End Date	2011-12-31	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	2011-01-01	TaxPeriodBeginDate

Filer Filer

Field	Value	IRS element (for citing)
EIN	041123405	EIN

Name Name

Field	Value	IRS element (for citing)
Business Name Line1	BROCKTON POSTAL EMPLOYEES CREDIT UNION	BusinessNameLine1

Field	Value	IRS element (for citing)
Name Control	BROC	NameControl
Phone	5085838816	Phone

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	225 LIBERTY STREET	AddressLine1
City	BROCKTON	City
State	MA	State
ZIP Code	02401	ZIPCode

Officer Officer

Field	Value	IRS element (for citing)
Name	JANE CLIFFORD	Name
Title	CEO	Title
Date Signed	2012-04-19	DateSigned
Authorize Third Party	true	AuthorizeThirdParty

Preparer Preparer

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

Field	Value	IRS element (for citing)
Tax Year	2011	TaxYear
Build TS	2016-02-24 21:20:13Z	BuildTS

Form 990 IRS990

Field	Value	IRS element (for citing)
Gross Receipts	445931	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 - THRIFT SERVICES	ActivityOrMissionDescription
Nbr Voting Members Governing Body	10	NbrVotingMembersGoverningBody
Nbr Independent Voting Members	8	NbrIndependentVotingMembers
Total Nbr Employees	9	TotalNbrEmployees
Total Nbr Volunteers	8	TotalNbrVolunteers
Total Gross UBI	0	TotalGrossUBI
Contributions Grants Current Year	0	ContributionsGrantsCurrentYear
Program Service Revenue Prior Year	316597	ProgramServiceRevenuePriorYear
Program Service Revenue CY	294421	ProgramServiceRevenueCY
Investment Income Prior Year	127729	InvestmentIncomePriorYear
Investment Income Current Year	74466	InvestmentIncomeCurrentYear
Other Revenue Prior Year	79375	OtherRevenuePriorYear
Other Revenue Current Year	77044	OtherRevenueCurrentYear
Total Revenue Prior Year	523701	TotalRevenuePriorYear
Total Revenue Current Year	445931	TotalRevenueCurrentYear
Grants And Similar Amnts CY	0	GrantsAndSimilarAmntsCY
Benefits Paid To Members CY	0	BenefitsPaidToMembersCY
Salaries Etc Prior Year	216910	SalariesEtcPriorYear
Salaries Etc Current Year	191401	SalariesEtcCurrentYear
Total Prof Fundrsng Exp CY	0	TotalProfFundrsngExpCY
Total Fundrsng Exp Current Year	0	TotalFundrsngExpCurrentYear
Other Expense Prior Year	430480	OtherExpensePriorYear
Other Expenses Current Year	368498	OtherExpensesCurrentYear
Total Expenses Prior Year	647390	TotalExpensesPriorYear
Total Expenses Current Year	559899	TotalExpensesCurrentYear
Revenues Less Expenses Prior Year	-123689	RevenuesLessExpensesPriorYear
Revenues Less Expenses CY	-113968	RevenuesLessExpensesCY
Total Assets BOY	10890110	TotalAssetsBOY
Total Assets EOY	10315223	TotalAssetsEOY
Total Liabilities BOY	9909838	TotalLiabilitiesBOY
Total Liabilities EOY	9448919	TotalLiabilitiesEOY
Net Assets Or Fund Balances BOY	980272	NetAssetsOrFundBalancesBOY
Net Assets Or Fund Balances EOY	866304	NetAssetsOrFundBalancesEOY
Mission Description	CREDIT UNION - THRIFT SERVICES	MissionDescription
Significant New Program Services	false	SignificantNewProgramServices
Significant Change	false	SignificantChange
Expense	64473	Expense
Description	MAINTENANCE OF MEMBER SHARE AND DEPOSIT ACCOUNTS AND THE PAYMENT OF INTEREST THERON. NUMBER OF ACCOUNTS 2,413.	Description

Activity2 Activity2

Field	Value	IRS element (for citing)
Revenue	294421	Revenue
Description	MAINTENANCE OF MEMBER LOAN ACCOUNTS AT MARKET INTEREST RATES. NUMBER OF ACCOUNTS 640.	Description

Field	Value	IRS element (for citing)
Total Program Service Expense	64473	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	false	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	false	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	341	NumberFormsTransmittedWith1096
Number W2 G Included	0	NumberW2GIncluded
Compliance With Backup Witholding	true	ComplianceWithBackupWitholding
Number Of Employees	9	NumberOfEmployees
Employment Tax Returns Filed	true	EmploymentTaxReturnsFiled
Unrelated Business Income	false	UnrelatedBusinessIncome
Form990-T Filed	false	Form990-TFiled
Foreign Financial Account	false	ForeignFinancialAccount
Prohibited Tax Shelter Trans	false	ProhibitedTaxShelterTrans
Taxable Party Notification	false	TaxablePartyNotification
Form8886 T Filed	false	Form8886TFiled
Non Deductible Contributions	false	NonDeductibleContributions
Non Deductible Disclosure	false	NonDeductibleDisclosure
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
Form720 Filed	false	Form720Filed
Info In Schedule O Part VI	X	InfoInScheduleOPartVI
Nbr Voting Governing Body Members	10	NbrVotingGoverningBodyMembers
Number Independent Voting Members	8	NumberIndependentVotingMembers
Family Or Business Relationship	false	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	false	LocalChapters
Policies Reference Chapters	false	PoliciesReferenceChapters
Form990 Provided To Governing Body	false	Form990ProvidedToGoverningBody
Conflict Of Interest Policy	false	ConflictOfInterestPolicy
Annual Disclosure Covered Persons	false	AnnualDisclosureCoveredPersons
Regular Monitoring Enforcement	false	RegularMonitoringEnforcement
Whistleblower Policy	false	WhistleblowerPolicy
Document Retention Policy	true	DocumentRetentionPolicy
Compensation Process CEO	true	CompensationProcessCEO
Compensation Process Other	true	CompensationProcessOther
Investment In Joint Venture	false	InvestmentInJointVenture
Written Policy Or Procedure	false	WrittenPolicyOrProcedure
Upon Request	X	UponRequest

The Books Are In Care Of TheBooksAreInCareOf

Field	Value	IRS element (for citing)
Name Person	JANE CLIFFORD	NamePerson
Telephone Number	5085838816	TelephoneNumber

Address US AddressUS

Field	Value	IRS element (for citing)
Address Line1	225 LIBERTY STREET	AddressLine1
City	BROCKTON	City
State	MA	State
ZIP Code	02401	ZIPCode

Form990 Part VII Section A Form990PartVIISectionA (11 entries)

TitleTitle	Average Hours Per WeekAverageHoursPerWeek	Individual Trustee Or DirectorIndividualTrusteeOrDirector	Reportable Comp From OrganizationReportableCompFromOrganization	Reportable Comp From Related OrgsReportableCompFromRelatedOrgs	Other CompensationOtherCompensation	OfficerOfficer
THOMAS DRISCOLL
Director	2.00	X	0	0	0
THOMAS CROWLEY
Treasurer	5.00	X	3096	0	0	X
PAUL CHUTE
Vice President	5.00	X	0	0	0	X
PATRICIA LUZ
Director	2.00	X	0	0	0
OLIVER SANSOUCIE
CLERK	20.00	X	11587	0	579	X
MICHAEL PREVITI
Director	2.00	X	0	0	0
JOHN DALTON
Director	2.00	X	0	0	0
JANE CLIFFORD
CEO	40.00		61740	0	13918	X
ERIC COHEN
Director	3.00	X	0	0	0
EDWARD KENNEY
President	5.00	X	0	0	0	X
BRENT MORRIS
Director	2.00	X	0	0	0

Field	Value	IRS element (for citing)
Total Reportable Comp From Org	76423	TotalReportableCompFromOrg
Total Other Compensation	14497	TotalOtherCompensation
Number Individuals GT100 K	0	NumberIndividualsGT100K
Formers Listed	false	FormersListed
Total Comp GT150 K	false	TotalCompGT150K
Compensation From Other Sources	false	CompensationFromOtherSources

Contractor Compensation ContractorCompensation

Name Of Contractor NameOfContractor

Name Business NameBusiness

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

Address Of Contractor AddressOfContractor

Address US AddressUS

Field	Value	IRS element (for citing)
Address Line1	225 FRANKLIN STREET FI26	AddressLine1
City	BOSTON	City
State	MA	State
ZIP Code	02110	ZIPCode

Field	Value	IRS element (for citing)
Description Of Services	DATA PROCESSING	DescriptionOfServices
Compensation	101036	Compensation

Field	Value	IRS element (for citing)
Number Of Contractors GT100 K	1	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	294421	TotalRevenueColumn
Related Or Exempt Function Income	294421	RelatedOrExemptFunctionIncome

Field	Value	IRS element (for citing)
Total Program Service Revenue	294421	TotalProgramServiceRevenue

Investment Income InvestmentIncome

Field	Value	IRS element (for citing)
Total Revenue Column	74466	TotalRevenueColumn
Related Or Exempt Function Income	74466	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
OTHER INCOME	900099	811	811
INSURANCE ADMINISTRATION	900099	868	868
FEES AND CHARGES	900099	74222	74222

Miscellaneous Revenue MiscellaneousRevenue

Field	Value	IRS element (for citing)
Total Revenue Column	1143	TotalRevenueColumn
Related Or Exempt Function Income	1143	RelatedOrExemptFunctionIncome

Field	Value	IRS element (for citing)
Total Other Revenue	77044	TotalOtherRevenue

Total Revenue TotalRevenue

Field	Value	IRS element (for citing)
Total Revenue Column	445931	TotalRevenueColumn
Related Or Exempt Function Income	445931	RelatedOrExemptFunctionIncome

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	90920	Total
Management And General	90920	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	82627	Total
Management And General	82627	ManagementAndGeneral

Pension Plan Contributions PensionPlanContributions

Field	Value	IRS element (for citing)
Total	1343	Total
Management And General	1343	ManagementAndGeneral

Other Employee Benefits OtherEmployeeBenefits

Field	Value	IRS element (for citing)
Total	4116	Total
Management And General	4116	ManagementAndGeneral

Payroll Taxes PayrollTaxes

Field	Value	IRS element (for citing)
Total	12395	Total
Management And General	12395	ManagementAndGeneral

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	1250	Total
Management And General	1250	ManagementAndGeneral

Fees For Services Accounting FeesForServicesAccounting

Field	Value	IRS element (for citing)
Total	17080	Total
Management And General	17080	ManagementAndGeneral

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	0	Total

Office Expenses OfficeExpenses

Field	Value	IRS element (for citing)
Total	35446	Total
Management And General	35446	ManagementAndGeneral

Information Technology InformationTechnology

Field	Value	IRS element (for citing)
Total	100836	Total
Management And General	100836	ManagementAndGeneral

Royalties Royalties

Field	Value	IRS element (for citing)
Total	0	Total

Occupancy Occupancy

Field	Value	IRS element (for citing)
Total	522	Total
Management And General	522	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	36	Total
Management And General	36	ManagementAndGeneral

Interest Interest

Field	Value	IRS element (for citing)
Total	64473	Total
Program Services	64473	ProgramServices

Payments To Affiliates PaymentsToAffiliates

Field	Value	IRS element (for citing)
Total	0	Total

Depreciation Depletion DepreciationDepletion

Field	Value	IRS element (for citing)
Total	5724	Total
Management And General	5724	ManagementAndGeneral

Insurance Insurance

Field	Value	IRS element (for citing)
Total	9921	Total
Management And General	9921	ManagementAndGeneral

Other Expenses OtherExpenses (5 entries)

DescriptionDescription	TotalTotal	Management And GeneralManagementAndGeneral
Postage and Shipping	10690	10690
OTHER FEES	4079	4079
NOW CHECKING EXPENSES	7514	7514
NCUSIF INSURANCE ASSESSMENT	24300	24300
ATM EXPENSE	73942	73942

All Other Expenses AllOtherExpenses

Field	Value	IRS element (for citing)
Total	12685	Total
Management And General	12685	ManagementAndGeneral

Total Functional Expenses TotalFunctionalExpenses

Field	Value	IRS element (for citing)
Total	559899	Total
Program Services	64473	ProgramServices
Management And General	495426	ManagementAndGeneral
Fundraising	0	Fundraising

Cash Non Interest Bearing CashNonInterestBearing

Field	Value	IRS element (for citing)
BOY	172837	BOY
EOY	165634	EOY

Savings And Temp Cash Investments SavingsAndTempCashInvestments

Field	Value	IRS element (for citing)
BOY	6302775	BOY
EOY	6184690	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	139513	BOY
EOY	134611	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	4122474	BOY
EOY	3686419	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	27089	BOY
EOY	27070	EOY

Field	Value	IRS element (for citing)
Land Buildings Equipment Basis	247979	LandBuildingsEquipmentBasis
Land Bldg Equipment Accum Deprec	241666	LandBldgEquipmentAccumDeprec

Land Buildings Equipment Basis Net LandBuildingsEquipmentBasisNet

Field	Value	IRS element (for citing)
BOY	9035	BOY
EOY	6313	EOY

Investments Pub Traded Securities InvestmentsPubTradedSecurities

Field	Value	IRS element (for citing)
EOY	0	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	116387	BOY
EOY	110486	EOY

Total Assets TotalAssets

Field	Value	IRS element (for citing)
BOY	10890110	BOY
EOY	10315223	EOY

Accounts Payable Accrued Expenses AccountsPayableAccruedExpenses

Field	Value	IRS element (for citing)
BOY	22660	BOY
EOY	17383	EOY

Other Liabilities OtherLiabilities

Field	Value	IRS element (for citing)
BOY	9887178	BOY
EOY	9431536	EOY

Total Liabilities TotalLiabilities

Field	Value	IRS element (for citing)
BOY	9909838	BOY
EOY	9448919	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	980272	BOY
EOY	866304	EOY

Total Net Assets Fund Balances TotalNetAssetsFundBalances

Field	Value	IRS element (for citing)
BOY	980272	BOY
EOY	866304	EOY

Total Liab Net Assets Fund Balances TotalLiabNetAssetsFundBalances

Field	Value	IRS element (for citing)
BOY	10890110	BOY
EOY	10315223	EOY

Field	Value	IRS element (for citing)
Reconcilation Revenue Expenses	-113968	ReconcilationRevenueExpenses
Method Of Accounting Accrual	X	MethodOfAccountingAccrual
Accountant Compile Or Review	false	AccountantCompileOrReview
FS Audited	false	FSAudited
Audit Committee	false	AuditCommittee
Federal Grant Audit Required	false	FederalGrantAuditRequired
Federal Grant Audit Performed	false	FederalGrantAuditPerformed

Schedule D IRS990ScheduleD

Leasehold Improvements LeaseholdImprovements

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	43293	OtherCostOrOtherBasis
Depreciation	41483	Depreciation
Book Value	1810	BookValue

Other Land Buildings OtherLandBuildings

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	204686	OtherCostOrOtherBasis
Depreciation	200183	Depreciation
Book Value	4503	BookValue

Field	Value	IRS element (for citing)
Total Of Book Value Land Buildings	6313	TotalOfBookValueLandBuildings

Other Liabilities OtherLiabilities

Field	Value	IRS element (for citing)
Description	MEMBER DEPOSITS/SUSPENSE ACCOUNTS	Description
Amount	$9,431,536	Amount

Field	Value	IRS element (for citing)
Total Of Amounts	9431536	TotalOfAmounts

Schedule L IRS990ScheduleL

Loan Table LoanTable (13 entries)

Purpose Of LoanPurposeOfLoan	Loan From OrganizationLoanFromOrganization	Original PrincipalOriginalPrincipalAmount	Balance DueBalanceDue	DefaultDefault	Approved By BoardApprovedByBoard	Written AgreementWrittenAgreement
OLIVER SANSOUCIE
PERSONAL LOAN	X	$2,000	1838	false	true	true
OLIVER SANSOUCIE
LOAN	X	$12,239	9095	false	true	true
MICHAEL PREVITI
MORTGAGE	X	$56,000	7709	false	true	true
BRENT MORRIS
HOME EQUITY	X	$45,000	30923	false	true	true
MICHAEL PREVITI
HOME EQUITY	X	$50,000	19982	false	true	true
PATRICIA LUZ
LOAN	X	$2,000	1931	false	true	true
PATRICIA LUZ
AUTO LOAN	X	$23,050	22450	false	true	true
PATRICIA LUZ
LOAN	X	$10,000	7699	false	true	true
(no name)
LOAN	X	$5,000		false	true	true
ERIC COHEN
AUTO LOAN	X	$22,675	8270	false	true	true
(no name)
PERSONAL LOAN	X	$10,000		false	true	true
THOMAS CROWLEY
HOME EQUITY	X	$40,000	5042	false	true	true
PAUL CHUTE
LOAN	X	$22,000	19672	false	true	true

Field	Value	IRS element (for citing)
Total Balance Due	134611	TotalBalanceDue

Schedule O IRS990ScheduleO

General Explanation GeneralExplanation (4 entries)

IdentifierIdentifier	Return ReferenceReturnReference	ExplanationExplanation
Form 990, Part VI, Line 19	Form 990, Part VI, Line 19: Other Organization Documents Publicly Available	Information is posted in credit union lobby and 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	ALL INCREASES TO COMPENSATION ARE APPROVED BY THE BOARD OF DIRECTORS.
Form 990, Part VI, Line 11	Form 990, Part VI, Line 11: Form 990 Review Process	THE AUDIT COMMITTEE REVIEWS AND PRSENTS FINDINGS TO THE BOARD. THE BOARD REVIEW MAY BE SUBSEQUENT TO FILING DUE TO THE TIMING OF COMPLETING THE FORM AND THE FILING DUE DATE.
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.