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Athol Credit Union

Organization summary

Type of Nonprofit

Designated as a State-chartered credit unions and mutual reserve funds.

Donations to this organization are not tax deductible.

Summary charts: organization finances over time

Revenue
$4.64M (2023)

Expenses
$4.4M (2023)

Total Assets
$90.3M (2023)

Total Liabilities
$82.1M (2023)

Source: Form 990 tax filings from 2011 to 2023

Tax Filings by Year

Form 990 is an information return that most organizations claiming federal tax-exempt status must file yearly with the IRS. Nonprofit Explorer has IRS digitized Form 990 data for filings processed in 2012 and later. If this organization filed an amended return, it may not be reflected below. Duplicate download links may indicate a resubmission or amendment to this organization's original return. Form 990 data is from the IRS.

Fiscal Year Ending Dec.
2023

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$4,642,872
Expenses
$4,399,277
Net Income
$243,595
Net Assets
$8,212,793
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $4,365,921
94.0%
Investment Income $238,539
5.1%
Bond Proceeds $0
Royalties $0
Rental Property Income $38,412
0.8%
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $486,180
11.1%
Professional Fundraising Fees $0
Other Salaries and Wages $739,944
16.8%
Assets/Debt
Total Assets $90,278,013
Total Liabilities $82,065,220
Net Assets $8,212,793
Compensation
Key Employees and Officers Compensation Related Other
Luis Cisneros (President And Ceo Eff 4/24/23) $148,585 $0 $8,678
Shawn Gonynor (Vp Of Project Management) $99,115 $0 $16,950
April Bryce (Vp Of Lending) $81,103 $0 $3,964
Lindsay Jamieson (Vp Of Accounting Until 9/29/23) $73,576 $0 $1,408
Courtney Fifield (President And Ceo Until 4/14/23) $47,991 $0 $4,810
Lisa Carey (Director) $0 $0 $0
Glenn Eaton (Director) $0 $0 $0
Christopher Casella (Chairman) $0 $0 $0
Len Crossman (Director) $0 $0 $0
Brianna Drohen (Director) $0 $0 $0
Mark Wright (Director) $0 $0 $0
William J Caldwell (Director) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2022

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$4,194,178
Expenses
$3,449,455
Net Income
$744,723
Net Assets
$7,993,043
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $3,987,913
95.1%
Investment Income $70,545
1.7%
Bond Proceeds $89,319
2.1%
Royalties $0
Rental Property Income $46,401
1.1%
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $482,184
14.0%
Professional Fundraising Fees $0
Other Salaries and Wages $739,788
21.4%
Assets/Debt
Total Assets $84,943,474
Total Liabilities $76,950,431
Net Assets $7,993,043
Compensation
Key Employees and Officers Compensation Related Other
Courtney Fifield (President And Ceo) $160,902 $0 $12,524
Luis Cisneros (Vp Of Lending) $98,122 $0 $5,748
Lindsay Jamieson (Vp Of Accounting) $96,807 $0 $1,777
Shawn Gonynor (Vp Of Project Management) $93,130 $0 $13,174
Lisa Carey (Director) $0 $0 $0
Glenn Eaton (Director) $0 $0 $0
Christopher Casella (Chairman) $0 $0 $0
Len Crossman (Director) $0 $0 $0
Brianna Drohen (Director) $0 $0 $0
Mark Wright (Director) $0 $0 $0
William J Caldwell (Director) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2021

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$3,643,738
Expenses
$3,225,647
Net Income
$418,091
Net Assets
$7,570,605
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $3,445,923
94.6%
Investment Income $44,975
1.2%
Bond Proceeds $0
Royalties $0
Rental Property Income $79,053
2.2%
Net Fundraising $0
Sales of Assets $73,787
2.0%
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $511,573
15.9%
Professional Fundraising Fees $0
Other Salaries and Wages $661,471
20.5%
Assets/Debt
Total Assets $79,397,354
Total Liabilities $71,826,749
Net Assets $7,570,605
Compensation
Key Employees and Officers Compensation Related Other
Courtney Fifield (President And Ceo) $132,636 $0 $10,953
Tim Delamere (It Officer) $88,275 $0 $3,366
Lindsay Jamieson (Vp Of Accounting) $86,522 $0 $13,948
Shawn Gonynor (Vp Of Project Management) $79,967 $0 $11,603
Luis Cisneros (Vp Of Lending) $78,228 $0 $6,075
Lisa Carey (Director) $0 $0 $0
Glenn Eaton (Director) $0 $0 $0
Christopher Casella (Chairman) $0 $0 $0
Len Crossman (Director) $0 $0 $0
Brianna Drohen (Director) $0 $0 $0
Mark Wright (Director) $0 $0 $0
William J Caldwell (Director) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2020

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$3,437,018
Expenses
$3,461,203
Net Income
-$24,185
Net Assets
$7,163,716
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $3,065,682
89.2%
Investment Income $127,538
3.7%
Bond Proceeds $0
Royalties $0
Rental Property Income $91,405
2.7%
Net Fundraising $0
Sales of Assets $152,393
4.4%
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $233,073
6.7%
Professional Fundraising Fees $0
Other Salaries and Wages $880,975
25.5%
Assets/Debt
Total Assets $78,897,446
Total Liabilities $71,733,730
Net Assets $7,163,716
Compensation
Key Employees and Officers Compensation Related Other
Courtney Fifield (President And Ceo) $117,004 $0 $13,266
Lindsay Jamieson (Treasurer) $84,792 $0 $914
Lisa Carey (Director) $0 $0 $0
Glenn Eaton (Chairperson) $0 $0 $0
Janis Montalbano (Director) $0 $0 $0
Martin S Anderholm (Secretary) $0 $0 $0
Stephen A Rabideau Sr (Director) $0 $0 $0
Charles A Shatos (Director) $0 $0 $0
Len Crossman (Director) $0 $0 $0
Brianna Drohen (Director) $0 $0 $0
William Chiasson (Vice Chairman) $0 $0 $0
Christopher Casella (Director) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2019

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$3,728,865
Expenses
$4,384,402
Net Income
-$655,537
Net Assets
$6,903,510
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $3,141,810
84.3%
Investment Income $510,795
13.7%
Bond Proceeds $0
Royalties $0
Rental Property Income $76,648
2.1%
Net Fundraising $0
Sales of Assets -$388
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $311,685
7.1%
Professional Fundraising Fees $0
Other Salaries and Wages $976,986
22.3%
Assets/Debt
Total Assets $93,689,380
Total Liabilities $86,785,870
Net Assets $6,903,510
Compensation
Key Employees and Officers Compensation Related Other
Kevin Miller (Former Ceo) $311,685 $0 $14,749
Courtney Fifield (President And Ceo) $107,471 $0 $13,561
Lisa Carey (Director) $0 $0 $0
Glenn Eaton (Director) $0 $0 $0
Janis Montalbano (Director) $0 $0 $0
Martin S Anderholm (Vice Chairperson) $0 $0 $0
Stephen A Rabideau Sr (Director) $0 $0 $0
Charles A Shatos (Director) $0 $0 $0
Len Crossman (Director) $0 $0 $0
Brianna Drohen (Director) $0 $0 $0
Herbert H Wheeler (Chairperson) $0 $0 $0
William Chiasson (Director) $0 $0 $0
Christopher Casella (Director) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2018

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$3,872,269
Expenses
$3,970,030
Net Income
-$97,761
Net Assets
$7,026,897
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $2,705,988
69.9%
Investment Income $604,103
15.6%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $117,592
3.0%
Net Inventory Sales $0
Other Revenue $444,586
11.5%
Notable Expenses Percent of Total Expenses
Executive Compensation $227,242
5.7%
Professional Fundraising Fees $0
Other Salaries and Wages $1,022,951
25.8%
Assets/Debt
Total Assets $95,457,018
Total Liabilities $88,430,121
Net Assets $7,026,897
Compensation
Key Employees and Officers Compensation Related Other
Kevin J Miller (President/Ceo) $209,331 $0 $17,911
Lisa Carey (Director) $0 $0 $0
Glenn Eaton (Director) $0 $0 $0
Janis Montalbano (Chairman Of Board) $0 $0 $0
Martin S Anderholm (Clerk) $0 $0 $0
Stephen A Rabideau Sr (Director) $0 $0 $0
Charles A Shatos (Director) $0 $0 $0
Raenette Kramer (Director) $0 $0 $0
Richard D Verock (Director) $0 $0 $0
Herbert H Wheeler (Vice Chairperson) $0 $0 $0
William Chiasson (Director) $0 $0 $0
Christopher Casella (Director) $0 $0 $0
Shawn Gonynor (Vp Marketing & Public Relations) $0 $0 $0
Courtney Fifield (Vp Lending & Business Development) $0 $0 $0
Tim Delamere (It Officer) $0 $0 $0
Lindsay Jamieson (Assistant Treasurer) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2017

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$3,670,023
Expenses
$3,838,996
Net Income
-$168,973
Net Assets
$7,410,852
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $2,587,714
70.5%
Investment Income $671,013
18.3%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets -$14,151
Net Inventory Sales $0
Other Revenue $425,447
11.6%
Notable Expenses Percent of Total Expenses
Executive Compensation $348,753
9.1%
Professional Fundraising Fees $0
Other Salaries and Wages $1,038,212
27.0%
Assets/Debt
Total Assets $104,484,619
Total Liabilities $97,073,767
Net Assets $7,410,852
Compensation
Key Employees and Officers Compensation Related Other
Kevin J Miller (President/Ce) $207,056 $0 $18,684
Gina M Maroni (Treasurer) $116,145 $0 $6,868
Rebecca J Bialecki (Director) $0 $0 $0
Lisa Carey (Chairperson) $0 $0 $0
Francis W Foster (Director) $0 $0 $0
Glenn Eaton (Director) $0 $0 $0
Janis Montalbano (Vice Chairpe) $0 $0 $0
Martin S Anderholm (Director) $0 $0 $0
Stephen A Rabideau Sr (Director) $0 $0 $0
Charles A Shatos (Director) $0 $0 $0
Raenette Kramer (Director) $0 $0 $0
Richard D Verock (Chairman Of) $0 $0 $0
Herbert H Wheeler (Director) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2016

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$3,648,738
Expenses
$3,622,088
Net Income
$26,650
Net Assets
$7,342,056
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $2,423,836
66.4%
Investment Income $699,100
19.2%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $207,785
5.7%
Net Inventory Sales $0
Other Revenue $318,017
8.7%
Notable Expenses Percent of Total Expenses
Executive Compensation $342,070
9.4%
Professional Fundraising Fees $0
Other Salaries and Wages $871,606
24.1%
Assets/Debt
Total Assets $105,003,662
Total Liabilities $97,661,606
Net Assets $7,342,056
Compensation
Key Employees and Officers Compensation Related Other
Kevin J Miller (President/Ce) $204,620 $0 $16,367
Gina M Maroni (Treasurer) $114,292 $0 $6,791
Thomas R O'connor (Director) $0 $0 $0
Roger E Myers (Director) $0 $0 $0
Francis W Foster (Director Cle) $0 $0 $0
James E Herbert (Chairperson) $0 $0 $0
Janis Montalbano (Director) $0 $0 $0
Martin S Anderholm (Director) $0 $0 $0
Stephen A Rabideau Sr (Chairperson) $0 $0 $0
Charles A Shatos (Director) $0 $0 $0
Craig S Twohey (Director) $0 $0 $0
Richard D Verock (Vice Chairpe) $0 $0 $0
Herbert H Wheeler (Director) $0 $0 $0
William Chiasson (Director) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2015

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$3,198,854
Expenses
$3,701,273
Net Income
-$502,419
Net Assets
$7,946,925
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $2,379,548
74.4%
Investment Income $490,459
15.3%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $35,518
1.1%
Net Inventory Sales $0
Other Revenue $293,329
9.2%
Notable Expenses Percent of Total Expenses
Executive Compensation $304,778
8.2%
Professional Fundraising Fees $0
Other Salaries and Wages $782,294
21.1%
Assets/Debt
Total Assets $96,839,129
Total Liabilities $88,892,204
Net Assets $7,946,925
Compensation
Key Employees and Officers Compensation Related Other
Kevin J Miller (President/Ce) $196,594 $0 $890
Gina M Oro (Treasurer) $106,501 $0 $793
Thomas R O'connor (Director) $0 $0 $0
Roger E Myers (Director) $0 $0 $0
Francis W Foster (Director Cle) $0 $0 $0
James E Herbert (Chairperson) $0 $0 $0
Janis Montalbano (Director) $0 $0 $0
Martin S Anderholm (Director) $0 $0 $0
Stephen A Rabideau Sr (Chairperson) $0 $0 $0
Charles A Shatos (Director) $0 $0 $0
Craig S Twohey (Director) $0 $0 $0
Richard D Verock (Vice Chairpe) $0 $0 $0
Herbert H Wheeler (Director) $0 $0 $0
William Chiasson (Director) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2014

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$3,319,028
Expenses
$3,448,402
Net Income
-$129,374
Net Assets
$8,659,378
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $2,523,804
76.0%
Investment Income $408,332
12.3%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $58,212
1.8%
Net Inventory Sales $0
Other Revenue $328,680
9.9%
Notable Expenses Percent of Total Expenses
Executive Compensation $291,403
8.5%
Professional Fundraising Fees $0
Other Salaries and Wages $780,325
22.6%
Assets/Debt
Total Assets $90,790,643
Total Liabilities $82,131,265
Net Assets $8,659,378
Compensation
Key Employees and Officers Compensation Related Other
Kevin J Miller (President/Ce) $193,673 $0 $620
Gina M Oro (Treasurer) $96,493 $0 $617
Thomas R O'connor (Director) $0 $0 $0
Roger E Myers (Director) $0 $0 $0
Francis W Foster (Director Cle) $0 $0 $0
James E Herbert (Chairperson) $0 $0 $0
Janis Montalbano (Director) $0 $0 $0
Martin S Anderholm (Director) $0 $0 $0
Stephen A Rabideau Sr (Chairperson) $0 $0 $0
Charles A Shatos (Director) $0 $0 $0
Craig S Twohey (Director) $0 $0 $0
Richard D Verock (Vice Chairpe) $0 $0 $0
Herbert H Wheeler (Director) $0 $0 $0
William Chiasson (Director) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2013

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$3,516,872
Expenses
$3,548,492
Net Income
-$31,620
Net Assets
$8,082,135
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $2,693,495
76.6%
Investment Income $359,864
10.2%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $133,421
3.8%
Net Inventory Sales $0
Other Revenue $330,092
9.4%
Notable Expenses Percent of Total Expenses
Executive Compensation $302,069
8.5%
Professional Fundraising Fees $0
Other Salaries and Wages $857,529
24.2%
Assets/Debt
Total Assets $90,348,194
Total Liabilities $82,266,059
Net Assets $8,082,135
Compensation
Key Employees and Officers Compensation Related Other
Kevin J Miller (President/Ceo) $193,536 $0 $653
Gina M Oro (Treasurer) $107,352 $0 $528
Thomas R O'connor (Director) $0 $0 $0
Roger E Myers (Director) $0 $0 $0
Francis W Foster (Director Clerk) $0 $0 $0
James E Herbert (Chairperson) $0 $0 $0
Janis Montalbano (Director) $0 $0 $0
Martin S Anderholm (Director) $0 $0 $0
Stephen A Rabideau Sr (Vice Chairperson) $0 $0 $0
Charles A Shatos (Director) $0 $0 $0
Craig S Twohey (Director) $0 $0 $0
Richard D Verock (Director) $0 $0 $0
Herbert H Wheeler (Director) $0 $0 $0
William Chiasson (Director) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2012

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$3,668,678
Expenses
$3,807,267
Net Income
-$138,589
Net Assets
$9,187,920
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $2,776,480
75.7%
Investment Income $366,369
10.0%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $150,445
4.1%
Net Inventory Sales $0
Other Revenue $375,384
10.2%
Notable Expenses Percent of Total Expenses
Executive Compensation $289,370
7.6%
Professional Fundraising Fees $0
Other Salaries and Wages $890,488
23.4%
Assets/Debt
Total Assets $84,502,228
Total Liabilities $75,314,308
Net Assets $9,187,920

Document Links

Fiscal Year Ending Dec.
2011

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$3,849,185
Expenses
$4,157,896
Net Income
-$308,711
Net Assets
$9,387,220
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $2,976,151
77.3%
Investment Income $508,410
13.2%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $31,250
0.8%
Net Inventory Sales $0
Other Revenue $333,374
8.7%
Notable Expenses Percent of Total Expenses
Executive Compensation $289,816
7.0%
Professional Fundraising Fees $0
Other Salaries and Wages $843,760
20.3%
Assets/Debt
Total Assets $80,622,194
Total Liabilities $71,234,974
Net Assets $9,387,220

Document Links

Fiscal Year Ending Dec.
2010

No Extracted Financial Data

Extracted financial data is not available for the forms filed in this tax period, but Form 990 documents are available for download.

Document Links

Fiscal Year Ending Dec.
2009

No Extracted Financial Data

Extracted financial data is not available for the forms filed in this tax period, but Form 990 documents are available for download.

Document Links

Fiscal Year Ending Dec.
2008

No Extracted Financial Data

Extracted financial data is not available for the forms filed in this tax period, but Form 990 documents are available for download.

Document Links

Fiscal Year Ending Dec.
2007

No Extracted Financial Data

Extracted financial data is not available for the forms filed in this tax period, but Form 990 documents are available for download.

Document Links

Fiscal Year Ending Dec.
2006

No Extracted Financial Data

Extracted financial data is not available for the forms filed in this tax period, but Form 990 documents are available for download.

Document Links

About This Data

Nonprofit Explorer includes summary data for nonprofit tax returns and full Form 990 documents, in both PDF and digital formats.

The summary data contains information processed by the IRS during the 2012-2019 calendar years; this generally consists of filings for the 2011-2018 fiscal years, but may include older records. This data release includes only a subset of what can be found in the full Form 990s.

In addition to the raw summary data, we link to PDFs and digital copies of full Form 990 documents wherever possible. This consists of separate releases by the IRS of Form 990 documents processed by the agency, which we update regularly.

We also link to copies of audits nonprofit organizations that spent $750,000 or more in Federal grant money in a single fiscal year since 2016. These audits are copied from the Federal Audit Clearinghouse.

Which Organizations Are Here?

Every organization that has been recognized as tax exempt by the IRS has to file Form 990 every year, unless they make less than $200,000 in revenue and have less than $500,000 in assets, in which case they have to file form 990-EZ. Organizations making less than $50,000 don’t have to file either form but do have to let the IRS they’re still in business via a Form 990N "e-Postcard."

Nonprofit Explorer has organizations claiming tax exemption in each of the 27 subsections of the 501(c) section of the tax code, and which have filed a Form 990, Form 990EZ or Form 990PF. Taxable trusts and private foundations that are required to file a form 990PF are also included. Small organizations filing a Form 990N "e-Postcard" are not included in this data.

Types of Nonprofits

There are 27 nonprofit designations based on the numbered subsections of section 501(c) of the tax code. See the list »

Get the Data

For those interested in acquiring the original data from the source, here’s where our data comes from:

  • Raw filing data. Includes EINs and summary financials as structured data.
  • Exempt Organization profiles. Includes organization names, addresses, etc. You can merge this with the raw filing data using EIN numbers.
  • Form 990 documents. Prior to 2017, these documents were obtained and processed by Public.Resource.org and ProPublica. Bulk PDF downloads since 2017 are available from the IRS.
  • Form 990 documents as XML files. Includes complete filing data (financial details, names of officers, tax schedules, etc.) in machine-readable format. Only available for electronically filed documents. Electronic data released prior to October 2021 is also available through Amazon Web Services.
  • Audits. PDFs of single or program-specific audits for nonprofit organizations that spent $750,000 or more in Federal grant money in a single fiscal year. Available for fiscal year 2015 and later.

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