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Co Operative Central Bank

  • Woburn, MA
  • Tax-exempt since March 1934
  • EIN: 04-1207240

Organization summary

Organization summary might be incomplete or out of date

This organization is not listed in the IRS's most recent list of tax exempt organizations, but we have data associated with this Employer Identification Number.

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
$2.13M (2020)

Expenses
$13.1M (2020)

Total Assets
$0 (2020)

Total Liabilities
$0 (2020)

Source: Form 990 tax filings from 2011 to 2020

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 March
2020

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$2,132,200
Expenses
$13,140,609
Net Income
-$11,008,409
Net Assets
$0
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $682,356
32.0%
Investment Income $1,404,162
65.9%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $45,682
2.1%
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $809,180
6.2%
Professional Fundraising Fees $0
Other Salaries and Wages $0
Assets/Debt
Total Assets $0
Total Liabilities $0
Net Assets $0
Compensation
Key Employees and Officers Compensation Related Other
Andrew J Calamare (President And Ceo) $480,896 $0 $36,903
Judith M Javidpour (Senior Vp & Treasurer) $297,743 $0 $45,023
Annemarie Lee (Vice President) $183,759 $0 $35,745
Joseph A Devito (Director) $8,475 $0 $0
Mark R Haranas (Director) $7,800 $0 $0
Joseph T Baptista Jr (Vice Chair) $7,575 $0 $0
Michael E Tucker (Director) $6,975 $0 $0
Joseph V Scholl (Chair) $6,675 $0 $0
Robert W Terravecchia Jr (Director) $6,600 $0 $0
Eileen P Mcanneny (Director) $6,300 $0 $0
Andrew J Raczka (Director) $6,075 $0 $0
Raija Vaisanen (Director) $6,000 $0 $0
Edward Manzi (Director) $300 $0 $0
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Document Links

990
Filed on Sept. 10, 2020

Primary tax return for a nonprofit’s activities, finances, and governance

View Filing
PDF XML

Fiscal Year Ending Aug.
2019

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$4,132,062
Expenses
$2,065,267
Net Income
$2,066,795
Net Assets
$113,202,066
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $1,461,571
35.4%
Investment Income $2,670,491
64.6%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $1,208,188
58.5%
Professional Fundraising Fees $0
Other Salaries and Wages $0
Assets/Debt
Total Assets $143,477,491
Total Liabilities $30,275,425
Net Assets $113,202,066
Compensation
Key Employees and Officers Compensation Related Other
Andrew J Calamare (President And Ceo) $559,066 $0 $35,642
Judith M Javidpour (Senior Vp & Treasurer) $288,576 $0 $44,234
Annemarie Lee (Vice President) $175,249 $0 $35,266
Julieanne M Thurlow (Chair) $14,475 $0 $0
Joseph V Scholl (Vice Chair) $12,950 $0 $0
Joseph T Baptista Jr (Director) $9,175 $0 $0
Joseph A Devito (Director) $8,475 $0 $0
Mark R Haranas (Director) $7,875 $0 $0
Andrew J Raczka (Director) $7,350 $0 $0
Michael E Tucker (Director) $7,350 $0 $0
Eileen P Mcanneny (Director) $6,675 $0 $0
Raija Vaisanen (Director) $6,075 $0 $0
Robert W Terravecchia Jr (Director) $1,500 $0 $0
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Document Links

990
Filed on Jan. 24, 2020

Primary tax return for a nonprofit’s activities, finances, and governance

View Filing
PDF XML

Fiscal Year Ending Aug.
2018

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$3,986,121
Expenses
$2,239,618
Net Income
$1,746,503
Net Assets
$107,184,689
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $1,504,608
37.7%
Investment Income $2,481,513
62.3%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $1,181,601
52.8%
Professional Fundraising Fees $0
Other Salaries and Wages $0
Assets/Debt
Total Assets $137,830,527
Total Liabilities $30,645,838
Net Assets $107,184,689
Compensation
Key Employees and Officers Compensation Related Other
Andrew J Calamare (President And Ceo) $526,212 $0 $33,738
Judith M Javidpour (Senior Vp & Treasurer) $270,400 $0 $42,183
Annemarie Lee (Vice President) $170,144 $0 $33,501
Edward F Manzi Jr (Chairman) $15,275 $0 $0
Julieanne M Thurlow (Vice Chairman) $14,200 $0 $0
Joseph V Scholl (Director) $11,775 $0 $0
Joseph T Baptista Jr (Director) $8,300 $0 $0
Joseph A Devito (Director) $8,000 $0 $0
Eileen P Mcanneny (Director) $7,475 $0 $0
Raija Vaisanen (Director) $6,575 $0 $0
Andrew J Raczka (Director) $4,900 $0 $0
Mark R Haranas (Director) $1,800 $0 $0
Michael E Tucker (Director) $1,800 $0 $0
+ View more people

Document Links

990
Filed on Jan. 31, 2019

Primary tax return for a nonprofit’s activities, finances, and governance

View Filing
PDF XML

Fiscal Year Ending Aug.
2017

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$3,105,102
Expenses
$2,022,090
Net Income
$1,083,012
Net Assets
$108,635,146
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $677,582
21.8%
Investment Income $2,421,894
78.0%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $5,626
0.2%
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $1,120,648
55.4%
Professional Fundraising Fees $0
Other Salaries and Wages $0
Assets/Debt
Total Assets $140,593,721
Total Liabilities $31,958,575
Net Assets $108,635,146
Compensation
Key Employees and Officers Compensation Related Other
Andrew J Calamare (Pr Esident And Ceo) $517,488 $0 $42,571
Judith M Javidpour (Senior Vp & Treasurer) $271,354 $0 $40,399
Ann Emarie Lee (Vice President) $166,307 $0 $31,911
Robert W Terravecchia Jr (Chairman) $15,000 $0 $0
John M O'donnell (Vice Chairman) $12,500 $0 $0
Julieanne M Thurlow (Director) $10,600 $0 $0
Joseph V Scholl (Director) $7,875 $0 $0
Edward F Manzi Jr (Director) $7,500 $0 $0
Joseph T Baptista Jr (Director) $7,275 $0 $0
Eileen P Mcanneny (Director) $6,000 $0 $0
Raija Vaisanen (Director) $3,000 $0 $0
Joseph A Devito (Director) $1,800 $0 $0
Andrew J Raczka (Director) $0 $0 $0
+ View more people

Document Links

990
Filed on Jan. 29, 2018

Primary tax return for a nonprofit’s activities, finances, and governance

View Filing
XML

Fiscal Year Ending Aug.
2016

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$2,311,874
Expenses
$1,955,574
Net Income
$356,300
Net Assets
$109,055,950
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $0
Investment Income $2,242,863
97.0%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $54,011
2.3%
Net Inventory Sales $0
Other Revenue $15,000
0.6%
Notable Expenses Percent of Total Expenses
Executive Compensation $1,110,289
56.8%
Professional Fundraising Fees $0
Other Salaries and Wages $0
Assets/Debt
Total Assets $141,028,167
Total Liabilities $31,972,217
Net Assets $109,055,950
Compensation
Key Employees and Officers Compensation Related Other
Andrew J Calamare (President And Ceo) $500,744 $0 $42,206
Judith M Javidpour (Senior Vp & Treasurer) $243,191 $0 $33,109
Annemarie Lee (Vice President) $163,093 $0 $30,537
Peter A Conrad (Former President & Ceo) $122,707 $0 $12,341
Robert W Terravecchia Jr (Chairman) $15,000 $0 $0
John M O'donnell (Vice Chairman) $14,075 $0 $0
John R Korona (Director) $11,275 $0 $0
David P O'brien (Director) $8,775 $0 $0
Edward F Manzi Jr (Director) $7,500 $0 $0
Joseph V Scholl (Director) $7,500 $0 $0
Julieanne M Thurlow (Director) $7,500 $0 $0
Michael D Goodman Phd (Former Director) $6,900 $0 $0
Eileen P Mcanneny (Director) $6,000 $0 $0
Robert J Hickey (Former Director) $5,700 $0 $0
Joseph T Baptista Jr (Director) $1,800 $0 $0
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Document Links

990
Filed on Feb. 6, 2017

Primary tax return for a nonprofit’s activities, finances, and governance

View Filing
PDF XML

Fiscal Year Ending Aug.
2015

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$2,107,522
Expenses
$2,048,764
Net Income
$58,758
Net Assets
$107,750,677
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $0
Investment Income $2,092,522
99.3%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $15,000
0.7%
Notable Expenses Percent of Total Expenses
Executive Compensation $1,153,499
56.3%
Professional Fundraising Fees $0
Other Salaries and Wages $0
Assets/Debt
Total Assets $139,712,499
Total Liabilities $31,961,822
Net Assets $107,750,677
Compensation
Key Employees and Officers Compensation Related Other
Peter A Conrad (Former President & Ceo) $476,707 $0 $40,322
Andrew J Calamare (President And Ceo) $328,466 $0 $39,731
Annemarie Lee (Vice President) $159,850 $0 $28,839
Robert W Terravecchia Jr (Vice Chairman) $14,600 $0 $0
Robert J Hickey (Chairman) $14,400 $0 $0
John M O'donnell (Director) $11,500 $0 $0
David P O'brien (Director) $9,000 $0 $0
John R Korona (Director) $8,475 $0 $0
Julieanne Thurlow (Director) $7,875 $0 $0
Edward F Manzi Jr (Director) $7,500 $0 $0
Andrew Raczka (Director) $5,700 $0 $0
Karen Schwartzman (Director) $4,800 $0 $0
Darnell L Williams (Director) $4,800 $0 $0
Michael D Goodman Phd (Director) $4,500 $0 $0
Eileen P Mcanneny (Director) $1,500 $0 $0
Joseph V Scholl (Director) $1,500 $0 $0
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Document Links

990
Filed on Jan. 28, 2016

Primary tax return for a nonprofit’s activities, finances, and governance

View Filing
PDF XML

Fiscal Year Ending Aug.
2014

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$2,372,064
Expenses
$2,244,436
Net Income
$127,628
Net Assets
$107,626,886
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $0
Investment Income $2,131,063
89.8%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $241,001
10.2%
Notable Expenses Percent of Total Expenses
Executive Compensation $1,273,638
56.7%
Professional Fundraising Fees $0
Other Salaries and Wages $9,443
0.4%
Assets/Debt
Total Assets $139,911,670
Total Liabilities $32,284,784
Net Assets $107,626,886
Compensation
Key Employees and Officers Compensation Related Other
Peter A Conrad (President And Chief Execut) $471,084 $0 $0
Andrew J Calamare (Executive Vice President) $328,511 $0 $0
Annmarie Lee (Vice President) $153,349 $0 $0
Philip J Kimball (Vice President And Comptro) $123,776 $0 $0
Robert J Hickey (Chairman) $15,075 $0 $0
Andrew J Raczka (Director) $13,475 $0 $0
Robert W Terravecchia Jr (Director) $11,275 $0 $0
John M O'donnell (Director) $8,475 $0 $0
John R Korona (Director) $7,950 $0 $0
David P O'brien (Director) $7,950 $0 $0
Edward F Manzi Jr (Director) $7,575 $0 $0
Karen Schwartzman (Director) $6,375 $0 $0
Darnell L Williams (Director) $6,375 $0 $0
Janice T Houghton (Director) $5,750 $0 $0
Matthew S Sosik (Director) $3,975 $0 $0
Julieanne Thurlow (Director) $1,550 $0 $0
Thomas M Caron (Director) $675 $0 $0
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Document Links

990
Filed on Jan. 15, 2015

Primary tax return for a nonprofit’s activities, finances, and governance

View Filing
PDF XML

Fiscal Year Ending Aug.
2013

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$3,150,471
Expenses
$2,386,491
Net Income
$763,980
Net Assets
$106,539,284
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $0
Investment Income $2,174,111
69.0%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $976,360
31.0%
Notable Expenses Percent of Total Expenses
Executive Compensation $1,249,241
52.3%
Professional Fundraising Fees $0
Other Salaries and Wages $119,633
5.0%
Assets/Debt
Total Assets $139,552,376
Total Liabilities $33,013,092
Net Assets $106,539,284

Document Links

990
Filed on March 11, 2014

Primary tax return for a nonprofit’s activities, finances, and governance

View Filing
PDF XML

Fiscal Year Ending Aug.
2012

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$3,210,693
Expenses
$2,439,812
Net Income
$770,881
Net Assets
$109,265,053
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $0
Investment Income $2,753,184
85.8%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $457,509
14.2%
Notable Expenses Percent of Total Expenses
Executive Compensation $1,274,453
52.2%
Professional Fundraising Fees $0
Other Salaries and Wages $121,494
5.0%
Assets/Debt
Total Assets $144,260,054
Total Liabilities $34,995,001
Net Assets $109,265,053

Document Links

990

Primary tax return for a nonprofit’s activities, finances, and governance

PDF

Fiscal Year Ending Aug.
2011

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$5,340,946
Expenses
$2,335,245
Net Income
$3,005,701
Net Assets
$111,344,073
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $0
Investment Income $3,340,888
62.6%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $2,000,058
37.4%
Notable Expenses Percent of Total Expenses
Executive Compensation $1,017,998
43.6%
Professional Fundraising Fees $0
Other Salaries and Wages $232,733
10.0%
Assets/Debt
Total Assets $147,188,655
Total Liabilities $35,844,582
Net Assets $111,344,073

Document Links

990

Primary tax return for a nonprofit’s activities, finances, and governance

PDF

Fiscal Year Ending Aug.
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

990

Primary tax return for a nonprofit’s activities, finances, and governance

PDF

Fiscal Year Ending Aug.
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

990

Primary tax return for a nonprofit’s activities, finances, and governance

PDF

Fiscal Year Ending Aug.
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

990

Primary tax return for a nonprofit’s activities, finances, and governance

PDF

Fiscal Year Ending Aug.
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

990

Primary tax return for a nonprofit’s activities, finances, and governance

PDF

Fiscal Year Ending Aug.
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

990

Primary tax return for a nonprofit’s activities, finances, and governance

PDF

Fiscal Year Ending Aug.
2005

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

990

Primary tax return for a nonprofit’s activities, finances, and governance

PDF

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.

API

The data powering this website is available programmatically, via an API. Read the API documentation »

Byline

By Andrea Suozzo, Alec Glassford and Ash Ngu, ProPublica, and Brandon Roberts, Special to ProPublica.
Design by Jeff Frankl. Additional development by Ken Schwencke, Mike Tigas, and Sisi Wei.

E-file viewer adapted from IRS e-File Viewer by Ben Getson. Code for scraping audit documents adapated from Govwiki.

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