Brockton Postal Employees Credit Union
Nonprofit profile at a glance
- EIN
- 041123405
- IRS 990-EZ coverage
- 2013–2013
- Forms available
- Form 990 2012, Form 990-EZ 2013
- Location
- Brockton, MA, USA
- Phone
- 5085595400
- Rating
- 37
- Verdict
- REVIEW
- Rating confidence
- Moderate
- Sector
- Credit Unions
Reported finances
- Revenue
- $111,892
- Expenses
- $186,597
- Assets
- $0
Source: IRS Form 990-EZ. Selected filing: tax year 2013. Amounts in USD.
Leadership & pay
10 people listed
Executive titles in this filing
- PAUL CHUTE (Vice President)
- EDWARD KENNEY (President)
- JANE CLIFFORD (CEO)
People named in this filing
- PAUL CHUTE (Vice President)
- ERIC COHEN (Director)
- THOMAS CROWLEY (Treasurer)
Selected names, not a complete roster or a statement of current roles. Open leadership details for the complete filed list.
Source: IRS Form 990-EZ. Selected filing: tax year 2013. Names and roles reflect this filing, not necessarily current officeholders.
Overview
Mission
Credit union - thrift services
What it reported doing in 2013
Maintenance of member share and deposit accounts and the payment of interest theron. Number of accounts 2,197.
Operating model
- Revenue model
- Cannot be determined from the filing. The filing does not provide enough consistent revenue detail to tell how this nonprofit funds its work.
- Distribution model
- Direct operator. The filing allocates 100% of reported program-service expenses outside its grant, affiliate-payment, and member-benefit lines. This expense classification does not rule out separately announced grant awards.
The verdict
REVIEW - The filed numbers largely add up. A relatively small share of available resources goes toward mission work and a relatively small share of total spending goes to programs.
Rating breakdown
- Financial Efficiency: 8
- Transparency & Controls: 82
- Sustainability: 3
- Growth: 0
Detailed rating inputs
Financial Efficiency
- Mission deployment rate: 8.6%; rating input score 9
- Program expense ratio: 5.2%; rating input score 5
Transparency & Controls
- Consistency checks: 100%; rating input score 100; 51st percentile among comparable filings
- Major donor itemization: Limited
Sustainability
- Operating margin: -66.8%; rating input score 1; 1st percentile among comparable filings
- Total-asset coverage ratio: 0; rating input score 0; 0th percentile among comparable filings
- Liabilities to assets ratio: Limited
- Officer compensation ratio: 13.9%; rating input score 25; 25th percentile among comparable filings
Growth
- Program expense growth: Limited
- Revenue growth: -35% per year; rating input score 0; 2nd percentile among comparable filings
- Asset growth: -41.9% per year; rating input score 0; 5th percentile among comparable filings
Details
- Where the money goes: 8.6% of revenue deployed · 5.2% of spending went to programs
- Governance: Filed governance answers
- Accomplishments: 2 filed program accomplishments · $10K in reported program spending
- Leadership: top reported pay $0 · 10 people listed
- Consistency: 5 of 5 current checks pass
- Schedules: 3 filed schedules
- Contacts: How to reach this organization
- Money network: 12 filed money-flow records
- Grant readiness: Federal tax and exclusion status, award history, and grant-maker relationships.
- People: Everyone the filings name, and which of them the filings identify by more than a name.
Key Signals
Signals prioritize questions for review. They are not findings of misconduct.
- High — Financial Efficiency: Mission deployment rate scored 9/100.
- High — Financial Efficiency: Program expense ratio scored 5/100.
- High — Growth: Revenue growth scored 0/100.
- High — Sustainability: Operating margin scored 1/100.
- High — Growth: Asset growth scored 0/100.
- High — Sustainability: Total-asset coverage ratio scored 0/100.
- High — Sustainability: Officer compensation ratio scored 25/100.