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Credit Union Of The Berkshires

  • Pittsfield, MA
  • Tax-exempt since May 1945
  • EIN: 04-2264442

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Organization summary might be incomplete or out of date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
$381k (2021)

Expenses
$592k (2021)

Total Assets
$0 (2021)

Total Liabilities
$0 (2021)

Source: Form 990 tax filings from 2011 to 2021

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.
2021

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$381,127
Expenses
$592,218
Net Income
-$211,091
Net Assets
$0
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $224,466
58.9%
Investment Income $107,243
28.1%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets -$6,815
Net Inventory Sales $0
Other Revenue $56,233
14.8%
Notable Expenses Percent of Total Expenses
Executive Compensation $75,919
12.8%
Professional Fundraising Fees $0
Other Salaries and Wages $100,453
17.0%
Assets/Debt
Total Assets $0
Total Liabilities $0
Net Assets $0
Compensation
Key Employees and Officers Compensation Related Other
Melissa Morin (Ceo & Treasu) $71,026 $0 $3,463
Karen Mchugh (Secretary) $1,430 $0 $0
Janice Bates (Director) $0 $0 $0
Debra Belland (Director) $0 $0 $0
Stephen Jankowski (Director) $0 $0 $0
Matthew Kerwood (Vice Chairpe) $0 $0 $0
Robert Malnati (Director) $0 $0 $0
Robert Maloy (Director) $0 $0 $0
Beth Wallace (Chairperson) $0 $0 $0
+ View more people

Document Links

990
Filed on Jan. 26, 2022

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

View Filing
XML

Fiscal Year Ending Dec.
2020

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$560,850
Expenses
$696,463
Net Income
-$135,613
Net Assets
$2,499,512
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $352,682
62.9%
Investment Income $178,411
31.8%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $287
0.1%
Net Inventory Sales $0
Other Revenue $29,470
5.3%
Notable Expenses Percent of Total Expenses
Executive Compensation $97,681
14.0%
Professional Fundraising Fees $0
Other Salaries and Wages $121,843
17.5%
Assets/Debt
Total Assets $22,447,956
Total Liabilities $19,948,444
Net Assets $2,499,512
Other
Reported conflict of interest transactions
Compensation
Key Employees and Officers Compensation Related Other
Melissa Morin (Ceo & Treasu) $91,420 $0 $4,571
Karen Mchugh (Secretary) $1,690 $0 $0
Janice Bates (Director) $0 $0 $0
Debra Belland (Director) $0 $0 $0
Stephen Jankowski (Director) $0 $0 $0
Matthew Kerwood (Vice Chairpe) $0 $0 $0
Robert Malnati (Director) $0 $0 $0
Robert Maloy (Director) $0 $0 $0
Beth Wallace (Chairperson) $0 $0 $0
+ View more people

Document Links

990
Filed on April 13, 2021

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

View Filing
XML

Fiscal Year Ending Dec.
2019

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$624,251
Expenses
$666,807
Net Income
-$42,556
Net Assets
$2,635,125
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $374,205
59.9%
Investment Income $201,181
32.2%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets -$1,225
Net Inventory Sales $0
Other Revenue $50,090
8.0%
Notable Expenses Percent of Total Expenses
Executive Compensation $96,733
14.5%
Professional Fundraising Fees $0
Other Salaries and Wages $139,539
20.9%
Assets/Debt
Total Assets $20,683,704
Total Liabilities $18,048,579
Net Assets $2,635,125
Other
Reported conflict of interest transactions
Compensation
Key Employees and Officers Compensation Related Other
Melissa Morin (Ceo & Treasu) $90,517 $0 $4,526
Karen Mchugh (Secretary) $1,690 $0 $0
Janice Bates (Director) $0 $0 $0
Debra Belland (Director) $0 $0 $0
Lynn Disimoni (Director) $0 $0 $0
Matthew Kerwood (Vice Chairpe) $0 $0 $0
Robert Malnati (Director) $0 $0 $0
Beth Wallace (Chairperson) $0 $0 $0
+ View more people

Document Links

990
Filed on Sept. 25, 2020

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

View Filing
PDF XML

Fiscal Year Ending Dec.
2018

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$583,114
Expenses
$633,766
Net Income
-$50,652
Net Assets
$2,677,681
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $324,400
55.6%
Investment Income $196,845
33.8%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets -$7,250
Net Inventory Sales $0
Other Revenue $69,119
11.9%
Notable Expenses Percent of Total Expenses
Executive Compensation $93,997
14.8%
Professional Fundraising Fees $0
Other Salaries and Wages $143,895
22.7%
Assets/Debt
Total Assets $19,028,431
Total Liabilities $16,350,750
Net Assets $2,677,681
Other
Reported conflict of interest transactions
Compensation
Key Employees and Officers Compensation Related Other
Melissa Morin (Ceo & Treasu) $88,740 $0 $4,437
Karen Mchugh (Secretary) $1,690 $0 $0
Beth Wallace (Chairperson) $0 $0 $0
John Quinto (Vice Chairpe) $0 $0 $0
Matthew Kerwood (Director) $0 $0 $0
Janice Bates (Director) $0 $0 $0
Lynn Disimoni (Director) $0 $0 $0
Robert Malnati (Director) $0 $0 $0
Debra Belland (Director) $0 $0 $0
+ View more people

Document Links

990
Filed on Aug. 13, 2019

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

View Filing
PDF XML

Fiscal Year Ending Dec.
2017

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$538,398
Expenses
$660,853
Net Income
-$122,455
Net Assets
$2,728,333
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $301,386
56.0%
Investment Income $180,078
33.4%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $280
0.1%
Net Inventory Sales $0
Other Revenue $56,654
10.5%
Notable Expenses Percent of Total Expenses
Executive Compensation $93,997
14.2%
Professional Fundraising Fees $0
Other Salaries and Wages $143,075
21.7%
Assets/Debt
Total Assets $19,981,433
Total Liabilities $17,253,100
Net Assets $2,728,333
Other
Reported conflict of interest transactions
Compensation
Key Employees and Officers Compensation Related Other
Melissa Morin (Ceo & Treasu) $87,870 $0 $4,437
Karen Mchugh (Secretary) $1,690 $0 $0
Beth Wallace (Chairperson) $0 $0 $0
John Quinto (Vice Chairpe) $0 $0 $0
Matthew Kerwood (Director) $0 $0 $0
James Pasquini (Director) $0 $0 $0
Randi Mcleod (Director) $0 $0 $0
Lynn Disimoni (Director) $0 $0 $0
Robert Malnati (Director) $0 $0 $0
Debra Belland (Director) $0 $0 $0
+ View more people

Document Links

990
Filed on Nov. 13, 2018

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

View Filing
PDF XML

Fiscal Year Ending Dec.
2016

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$531,210
Expenses
$597,183
Net Income
-$65,973
Net Assets
$2,850,788
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $282,776
53.2%
Investment Income $181,971
34.3%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $3,700
0.7%
Net Inventory Sales $0
Other Revenue $62,763
11.8%
Notable Expenses Percent of Total Expenses
Executive Compensation $91,350
15.3%
Professional Fundraising Fees $0
Other Salaries and Wages $164,795
27.6%
Assets/Debt
Total Assets $20,649,041
Total Liabilities $17,798,253
Net Assets $2,850,788
Other
Reported conflict of interest transactions
Compensation
Key Employees and Officers Compensation Related Other
Melissa Morin (Ceo) $87,000 $0 $4,350
Beth Wallace (Chairperson) $0 $0 $0
John Quinto (Vice Chairpe) $0 $0 $0
Karen Mchugh (Secretary) $0 $0 $0
Matthew Kerwood (Director) $0 $0 $0
James Pasquini (Director) $0 $0 $0
Thomas Dillon (Director) $0 $0 $0
Lynn Disimoni (Director) $0 $0 $0
Robert Malnati (Director) $0 $0 $0
+ View more people

Document Links

990
Filed on Nov. 10, 2017

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

View Filing
PDF XML

Fiscal Year Ending Dec.
2015

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$560,133
Expenses
$560,035
Net Income
$98
Net Assets
$2,916,761
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $293,971
52.5%
Investment Income $207,314
37.0%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets -$746
Net Inventory Sales $0
Other Revenue $59,594
10.6%
Notable Expenses Percent of Total Expenses
Executive Compensation $90,271
16.1%
Professional Fundraising Fees $0
Other Salaries and Wages $170,410
30.4%
Assets/Debt
Total Assets $21,003,237
Total Liabilities $18,086,476
Net Assets $2,916,761
Other
Reported conflict of interest transactions
Compensation
Key Employees and Officers Compensation Related Other
Melissa Morin (Treasurer) $88,581 $0 $4,265
Karen Mc Hugh (Secretary) $1,690 $0 $0
Tom Dillon (Director) $0 $0 $0
Matthew Kerwood (Director) $0 $0 $0
John Quinto (Vice Chair) $0 $0 $0
James Pasquini (Director) $0 $0 $0
Beth Wallace (Chairperson) $0 $0 $0
+ View more people

Document Links

990
Filed on May 6, 2016

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

View Filing
PDF XML

Fiscal Year Ending Dec.
2014

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$609,647
Expenses
$594,581
Net Income
$15,066
Net Assets
$2,916,663
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $320,467
52.6%
Investment Income $225,442
37.0%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets -$3,908
Net Inventory Sales $0
Other Revenue $67,646
11.1%
Notable Expenses Percent of Total Expenses
Executive Compensation $88,565
14.9%
Professional Fundraising Fees $0
Other Salaries and Wages $157,922
26.6%
Assets/Debt
Total Assets $21,873,283
Total Liabilities $18,956,620
Net Assets $2,916,663
Other
Reported conflict of interest transactions
Compensation
Key Employees and Officers Compensation Related Other
Melissa Morin (Treasurer) $82,800 $0 $4,140
Karen Mc Hugh (Secretary) $1,625 $0 $0
Tom Dillon (Chairman) $0 $0 $0
Matthew Kerwood (Director) $0 $0 $0
John Quinto (Director) $0 $0 $0
Thomas Simon (Director) $0 $0 $0
James Pasquini (Director) $0 $0 $0
Carla Comeau (Vice Chairman) $0 $0 $0
Beth Wallace (Director) $0 $0 $0
+ View more people

Document Links

990
Filed on April 2, 2015

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

View Filing
PDF XML

Fiscal Year Ending Dec.
2013

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$678,990
Expenses
$663,728
Net Income
$15,262
Net Assets
$2,901,597
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $363,768
53.6%
Investment Income $235,272
34.7%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $10,355
1.5%
Net Inventory Sales $0
Other Revenue $69,595
10.2%
Notable Expenses Percent of Total Expenses
Executive Compensation $80,005
12.1%
Professional Fundraising Fees $0
Other Salaries and Wages $153,353
23.1%
Assets/Debt
Total Assets $22,778,149
Total Liabilities $19,876,552
Net Assets $2,901,597
Other
Reported conflict of interest transactions
Compensation
Key Employees and Officers Compensation Related Other
Melissa Morin (Treasurer) $78,445 $0 $3,922
Karen Mc Hugh (Secretary) $1,560 $0 $0
Garrett Collins (Director) $0 $0 $0
Tom Dillon (Vice Chairman) $0 $0 $0
Matthew Kerwood (Director) $0 $0 $0
John Quinto (Director) $0 $0 $0
Thomas Simon (Director) $0 $0 $0
James Pasquini (Director) $0 $0 $0
Carla Comeau (Director) $0 $0 $0
Beth Wallace (Director) $0 $0 $0
+ View more people

Document Links

990
Filed on April 18, 2014

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

View Filing
PDF XML

Fiscal Year Ending Dec.
2012

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$771,527
Expenses
$735,867
Net Income
$35,660
Net Assets
$2,886,335
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $422,047
54.7%
Investment Income $275,940
35.8%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $4,650
0.6%
Net Inventory Sales $0
Other Revenue $68,890
8.9%
Notable Expenses Percent of Total Expenses
Executive Compensation $79,052
10.7%
Professional Fundraising Fees $0
Other Salaries and Wages $135,472
18.4%
Assets/Debt
Total Assets $23,383,046
Total Liabilities $20,496,711
Net Assets $2,886,335

Document Links

990

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

PDF

Fiscal Year Ending Dec.
2011

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$818,472
Expenses
$793,642
Net Income
$24,830
Net Assets
$2,850,675
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $486,682
59.5%
Investment Income $262,891
32.1%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $68,899
8.4%
Notable Expenses Percent of Total Expenses
Executive Compensation $74,550
9.4%
Professional Fundraising Fees $0
Other Salaries and Wages $125,660
15.8%
Assets/Debt
Total Assets $23,087,065
Total Liabilities $20,236,390
Net Assets $2,850,675

Document Links

990

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

PDF

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

990

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

PDF

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

990

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

PDF

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

990

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

PDF

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

990

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

PDF

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

990

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

PDF

Fiscal Year Ending Dec.
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.

Updated