ENERGY CREDIT UNION: Form 990, tax year 2011

View the entire original 990 at ProPublica ↗

Organization: ENERGY CREDIT UNION (EIN 04-2079800)
Tax period: 2011-01-01 to 2011-12-31
Filed: 2012-04-25
IRS object ID: 201241169349300119
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 J
Schedule L
Schedule O

Return header ReturnHeader

Field	Value	IRS element (for citing)
Timestamp	2012-04-25T10:21:29-07:00	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	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	2012-04-25	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	3552443	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	28646	TotalGrossUBI
Net Unrelated Business Txbl Income	-78890	NetUnrelatedBusinessTxblIncome
Contributions Grants Current Year	0	ContributionsGrantsCurrentYear
Program Service Revenue Prior Year	3229431	ProgramServiceRevenuePriorYear
Program Service Revenue CY	2881568	ProgramServiceRevenueCY
Investment Income Prior Year	547581	InvestmentIncomePriorYear
Investment Income Current Year	485835	InvestmentIncomeCurrentYear
Other Revenue Prior Year	273113	OtherRevenuePriorYear
Other Revenue Current Year	185040	OtherRevenueCurrentYear
Total Revenue Prior Year	4050125	TotalRevenuePriorYear
Total Revenue Current Year	3552443	TotalRevenueCurrentYear
Grants And Similar Amnts CY	0	GrantsAndSimilarAmntsCY
Benefits Paid To Members CY	0	BenefitsPaidToMembersCY
Salaries Etc Prior Year	1056399	SalariesEtcPriorYear
Salaries Etc Current Year	1080711	SalariesEtcCurrentYear
Total Prof Fundrsng Exp CY	0	TotalProfFundrsngExpCY
Total Fundrsng Exp Current Year	0	TotalFundrsngExpCurrentYear
Other Expense Prior Year	3025250	OtherExpensePriorYear
Other Expenses Current Year	2414177	OtherExpensesCurrentYear
Total Expenses Prior Year	4081649	TotalExpensesPriorYear
Total Expenses Current Year	3494888	TotalExpensesCurrentYear
Revenues Less Expenses Prior Year	-31524	RevenuesLessExpensesPriorYear
Revenues Less Expenses CY	57555	RevenuesLessExpensesCY
Total Assets BOY	96756004	TotalAssetsBOY
Total Assets EOY	91651687	TotalAssetsEOY
Total Liabilities BOY	80536269	TotalLiabilitiesBOY
Total Liabilities EOY	75339176	TotalLiabilitiesEOY
Net Assets Or Fund Balances BOY	16219735	NetAssetsOrFundBalancesBOY
Net Assets Or Fund Balances EOY	16312511	NetAssetsOrFundBalancesEOY
Mission Description	CREDIT UNION	MissionDescription
Significant New Program Services	false	SignificantNewProgramServices
Significant Change	false	SignificantChange
Expense	824552	Expense
Description	MAINTENANCE OF MEMBER SHARE AND DEPOSIT ACCOUNTS AND THE PAYMENT OF INTEREST THERON. NUMBER OF ACCOUNTS IS 9,405.	Description

Activity2 Activity2

Field	Value	IRS element (for citing)
Revenue	2881568	Revenue
Description	MAINTAINING LOAN ACCOUNTS FOR MEMBERS. NUMBER OF ACCOUNTS IS 2,050.	Description

Field	Value	IRS element (for citing)
Total Program Service Expense	824552	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	true	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	true	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	2273	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
Form990-T Filed	true	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	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	false	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
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	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	Individual Trustee Or DirectorIndividualTrusteeOrDirector	Reportable Comp From OrganizationReportableCompFromOrganization	Reportable Comp From Related OrgsReportableCompFromRelatedOrgs	Other CompensationOtherCompensation	OfficerOfficer	Key EmployeeKeyEmployee
WILLIAM REYNOLDS
Director	4.00	X	0	0	0
ROBERT TEDESCO
CLERK	4.00	X	0	0	0
PAUL RICHARDSON
VICE CHAIRMAN	4.00	X	0	0	0	X
PAUL N NOCE
President & CEO	40.00		164877	0	4247	X	X
PAUL HANNON
Director	4.00	X	0	0	0
MARIE PREVETT
Director	40.00	X	97527	0	2917	X
JOSEPH C CARROLL
Director	4.00	X	0	0	0
JOHN RABAIOLI
CFO	40.00		82623	0	2819	X
DIANNE DUHAIME
Director	4.00	X	0	0	0
DEBORAH CASNA
Director	4.00	X	0	0	0
BERNARD DOHERTY
Chairman	4.00	X	0	0	0	X
BARBARA MARKOS
Director	4.00	X	0	0	0
BARBARA KELLEHER
Treasurer	4.00	X	0	0	0	X

Field	Value	IRS element (for citing)
Total Reportable Comp From Org	345027	TotalReportableCompFromOrg
Total Other Compensation	9983	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 (3 entries)

Address Line1AddressOfContractor/AddressUS/AddressLine1	CityAddressOfContractor/AddressUS/City	StateAddressOfContractor/AddressUS/State	ZIP CodeAddressOfContractor/AddressUS/ZIPCode	Description Of ServicesDescriptionOfServices	CompensationCompensation
ELAN FINANCIAL SERVICES
225 STATION SQUARE DRIVE	PITTSBURGH	PA	15219	ATM/Debit Card Proce	141874
DIEBOLD INC
PO BOX 643543	PITTSBURGH	PA	15264	ATM SERVICES	107536
CONNECTICUT ONLINE COCC
135 DARLING DRIVE AVON PARK SOUTH	AVON	CT	06001	DATA PROCESSING	220294

Field	Value	IRS element (for citing)
Number Of Contractors GT100 K	3	NumberOfContractorsGT100K
Total Contributions	0	TotalContributions

Program Service Revenue ProgramServiceRevenue

Field	Value	IRS element (for citing)
Description	INTEREST ON LOANS	Description
Total Revenue Column	2881568	TotalRevenueColumn
Related Or Exempt Function Income	2881568	RelatedOrExemptFunctionIncome

Field	Value	IRS element (for citing)
Total Program Service Revenue	2881568	TotalProgramServiceRevenue

Investment Income InvestmentIncome

Field	Value	IRS element (for citing)
Total Revenue Column	485835	TotalRevenueColumn
Related Or Exempt Function Income	485835	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	Total Revenue ColumnTotalRevenueColumn	Related Or Exempt Function IncomeRelatedOrExemptFunctionIncome	Unrelated Business RevenueUnrelatedBusinessRevenue
SERVICE CHARGES & FEES	31662	31662
OTHER INCOME	124732	124732
ATM FEES	28646		28646

Field	Value	IRS element (for citing)
Total Other Revenue	185040	TotalOtherRevenue

Total Revenue TotalRevenue

Field	Value	IRS element (for citing)
Total Revenue Column	3552443	TotalRevenueColumn
Related Or Exempt Function Income	3523797	RelatedOrExemptFunctionIncome
Unrelated Business Revenue	28646	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	355027	Total
Management And General	355027	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	713409	Total
Management And General	713409	ManagementAndGeneral

Pension Plan Contributions PensionPlanContributions

Field	Value	IRS element (for citing)
Total	9983	Total
Management And General	9983	ManagementAndGeneral

Other Employee Benefits OtherEmployeeBenefits

Field	Value	IRS element (for citing)
Total	2292	Total
Management And General	2292	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	54626	Total
Management And General	54626	ManagementAndGeneral

Office Expenses OfficeExpenses

Field	Value	IRS element (for citing)
Total	43657	Total
Management And General	43657	ManagementAndGeneral

Information Technology InformationTechnology

Field	Value	IRS element (for citing)
Total	442644	Total
Management And General	442644	ManagementAndGeneral

Royalties Royalties

Field	Value	IRS element (for citing)
Total	0	Total

Occupancy Occupancy

Field	Value	IRS element (for citing)
Total	73666	Total
Management And General	73666	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	32228	Total
Management And General	32228	ManagementAndGeneral

Interest Interest

Field	Value	IRS element (for citing)
Total	824552	Total
Program Services	824552	ProgramServices

Payments To Affiliates PaymentsToAffiliates

Field	Value	IRS element (for citing)
Total	0	Total

Depreciation Depletion DepreciationDepletion

Field	Value	IRS element (for citing)
Total	109176	Total
Management And General	109176	ManagementAndGeneral

Insurance Insurance

Field	Value	IRS element (for citing)
Total	64069	Total
Management And General	64069	ManagementAndGeneral

Other Expenses OtherExpenses (5 entries)

DescriptionDescription	TotalTotal	Management And GeneralManagementAndGeneral
PROVISION FOR LOAN LOSSES	82100	82100
PROFESSIONAL FEES	33494	33494
NCUA INSURANCE ASSESSMENT	182930	182930
MISCELLANEOUS EXPENSE	127566	127566
EQUIPMENT MAINTENANCE	249567	249567

All Other Expenses AllOtherExpenses

Field	Value	IRS element (for citing)
Total	93902	Total
Management And General	93902	ManagementAndGeneral

Total Functional Expenses TotalFunctionalExpenses

Field	Value	IRS element (for citing)
Total	3494888	Total
Program Services	824552	ProgramServices
Management And General	2670336	ManagementAndGeneral
Fundraising	0	Fundraising

Cash Non Interest Bearing CashNonInterestBearing

Field	Value	IRS element (for citing)
BOY	1329638	BOY
EOY	1141482	EOY

Savings And Temp Cash Investments SavingsAndTempCashInvestments

Field	Value	IRS element (for citing)
BOY	27693575	BOY
EOY	27241323	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	953983	BOY
EOY	923502	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	51508162	BOY
EOY	46890601	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	120652	BOY
EOY	129598	EOY

Field	Value	IRS element (for citing)
Land Buildings Equipment Basis	3773833	LandBuildingsEquipmentBasis
Land Bldg Equipment Accum Deprec	335018	LandBldgEquipmentAccumDeprec

Land Buildings Equipment Basis Net LandBuildingsEquipmentBasisNet

Field	Value	IRS element (for citing)
BOY	3547991	BOY
EOY	3438815	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)
BOY	10530804	BOY
EOY	10427311	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	1071199	BOY
EOY	1459055	EOY

Total Assets TotalAssets

Field	Value	IRS element (for citing)
BOY	96756004	BOY
EOY	91651687	EOY

Accounts Payable Accrued Expenses AccountsPayableAccruedExpenses

Field	Value	IRS element (for citing)
BOY	416638	BOY
EOY	307449	EOY

Escrow Account Liability EscrowAccountLiability

Field	Value	IRS element (for citing)
BOY	115438	BOY
EOY	111267	EOY

Other Liabilities OtherLiabilities

Field	Value	IRS element (for citing)
BOY	80004193	BOY
EOY	74920460	EOY

Total Liabilities TotalLiabilities

Field	Value	IRS element (for citing)
BOY	80536269	BOY
EOY	75339176	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	16219735	BOY
EOY	16312511	EOY

Total Net Assets Fund Balances TotalNetAssetsFundBalances

Field	Value	IRS element (for citing)
BOY	16219735	BOY
EOY	16312511	EOY

Total Liab Net Assets Fund Balances TotalLiabNetAssetsFundBalances

Field	Value	IRS element (for citing)
BOY	96756004	BOY
EOY	91651687	EOY

Field	Value	IRS element (for citing)
Info In Schedule O Part XI	X	InfoInScheduleOPartXI
Reconcilation Revenue Expenses	57555	ReconcilationRevenueExpenses
Reconcilation Other Changes	35221	ReconcilationOtherChanges
Method Of Accounting Accrual	X	MethodOfAccountingAccrual
Accountant Compile Or Review	false	AccountantCompileOrReview
FS Audited	true	FSAudited
Audit Committee	true	AuditCommittee
Financial Statement Separate	X	FinancialStatementSeparate
Federal Grant Audit Required	false	FederalGrantAuditRequired
Federal Grant Audit Performed	false	FederalGrantAuditPerformed

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	122948	Depreciation
Book Value	2376191	BookValue

Leasehold Improvements LeaseholdImprovements

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	250678	OtherCostOrOtherBasis
Depreciation	72877	Depreciation
Book Value	177801	BookValue

Other Land Buildings OtherLandBuildings

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	324016	OtherCostOrOtherBasis
Depreciation	139193	Depreciation
Book Value	184823	BookValue

Field	Value	IRS element (for citing)
Total Of Book Value Land Buildings	3438815	TotalOfBookValueLandBuildings
Total Of Book Value Securities	10427311	TotalOfBookValueSecurities

Other Liabilities OtherLiabilities

Field	Value	IRS element (for citing)
Description	MEMBER SHARES AND DEPOSIT ACCOUNTS	Description
Amount	$74,920,460	Amount

Field	Value	IRS element (for citing)
Total Of Amounts	74920460	TotalOfAmounts
Total Revenue	3552443	TotalRevenue
Total Expenses	3494888	TotalExpenses
Excess Or Deficit For Year	57555	ExcessOrDeficitForYear
Other	$35,221	OtherAmount
Total Adjustments	35221	TotalAdjustments
Excess Or Deficit Per FS	92776	ExcessOrDeficitPerFS
Tot Revenue Etc Audited Fincl Stmt	3552443	TotRevenueEtcAuditedFinclStmt
Revenue Subtotal	3552443	RevenueSubtotal
Total Revenue Per Form990	3552443	TotalRevenuePerForm990
Tot Expenses Etc Audited Fincl Stmt	3494888	TotExpensesEtcAuditedFinclStmt
Expenses Subtotal	3494888	ExpensesSubtotal
Total Expenses Per Form990	3494888	TotalExpensesPerForm990

Form990 Schedule D Part XIV Form990ScheduleDPartXIV

Field	Value	IRS element (for citing)
Identifier	Part XI, Line 8	Identifier
Return Reference	Part XI, Line 8: Other Changes in Net Assets or Fund Balances	ReturnReference
Explanation	CHANGE IN MARKET VALUE DUE TO FAS115 $30510 PRIOR PERIOD ADJUSTMENT - ALLOWANCE $4711	Explanation

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
Base Compensation Filing Org	162727	BaseCompensationFilingOrg
Other Compensation Filing Org	2150	OtherCompensationFilingOrg
Deferred Comp Filing Org	4247	DeferredCompFilingOrg
Total Compensation Filing Org	169124	TotalCompensationFilingOrg

Schedule L IRS990ScheduleL

Loan Table LoanTable (16 entries)

Purpose Of LoanPurposeOfLoan	Loan From OrganizationLoanFromOrganization	Original PrincipalOriginalPrincipalAmount	Balance DueBalanceDue	DefaultDefault	Approved By BoardApprovedByBoard	Written AgreementWrittenAgreement
ROBERT TEDESCO
LOAN	X	$2,800	1962	false	true	true
WILLIAM REYNOLDS
LOAN	X		5282	false	true	true
MARIE PREVETT
LOAN	X	$160,000	94772	false	true	true
MARIE PREVETT
LOAN	X	$60,000	55832	false	true	true
MARIE PREVETT
LOAN	X	$16,000	13884	false	true	true
PAUL NOCE
LOAN	X	$80,000	72321	false	true	true
PAUL NOCE
LOAN	X	$336,000	317030	false	true	true
PAUL NOCE
LOAN	X	$20,000	18932	false	true	true
MARIE PREVETT
LOAN	X	$20,000	19938	false	true	true
PAUL HANNON
LOAN	X	$118,500	105553	false	true	true
PAUL HANNON
LOAN	X	$7,000	4199	false	true	true
DIANNE DUHAIME
LOAN	X	$18,305	3010	false	true	true
PAUL HANNON
LOAN	X	$10,000	3167	false	true	true
BERNARD DOHERTY
LOAN	X	$130,000	27618	false	true	true
JOSEPH CARROLL
LOAN	X	$191,000	176632	false	true	true
BERNARD DOHERTY
LOAN	X	$4,000	3370	false	true	true

Field	Value	IRS element (for citing)
Total Balance Due	923502	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	33405	AmountOfTransaction
Description Of Transaction	CONSULTING SERVICES	DescriptionOfTransaction
Sharing Of Revenues	false	SharingOfRevenues

Schedule O IRS990ScheduleO

General Explanation GeneralExplanation (5 entries)

IdentifierIdentifier	Return ReferenceReturnReference	ExplanationExplanation
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 11	Form 990, Part VI, Line 11: 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 @$33,405 PAID DURING 2010.