2014-08-02T09:44:02-07:00 2013-12-31 ROBERT ANDERSON & COMPANY PC 138 DODGE ST BEVERLY MA 019151866 990 2013-01-01 041801520 ST JEANS CREDIT UNION STJE 7815925420 250 MAPLE STREET Lynn MA 01904 C DAVID SURFACE President & CEO 2014-08-02 true Robert Anderson P01462745 9782329300 2013 2015-11-30 17:44:51Z 17874484 false false X www.stjeanscu.com CREDIT UNION 11 10 64 10 71954 -75599 0 4528404 4350427 822088 517053 1771279 1738873 7121771 6606353 0 0 2727650 2837067 0 0 3644103 3469839 6371753 6306906 750018 299447 140598823 148483476 126307639 134129951 14291184 14353525 CREDIT UNION false false 707491 MAINTAINING OF MEMBERS ACCOUNTS AND THE PAYMENTS OF DIVIDENDS THERE ON. NUMBER OF ACCOUNTS 27,149. 4350427 MAKING LOANS TO MEMBERS AT INTEREST. NUMBER OF ACCOUNTS 3,999. 707491 false false false false false false false false true false true false false false true false true false false false false false false false false false false false false true false false false false false false true false false false false false false false false false false false false false false true 3565 0 true 64 true true false false false false false false false false false false X 11 10 false false false true true true true true true false true true true true true true true true true true false X David Surface 7815925420 250 MAPLE STREET LYNN MA 01904 LINDA LEBLANC Asst. Treasurer 2.00 0.00 X X 0 0 0 RICHARD BONNEVIE SecurityOfficer 2.00 0.00 X X 0 0 0 J PAUL BURKE Treasurer 5.00 0.00 X X 0 0 0 PAUL AMIRAULT Director 2.00 0.00 X 0 0 0 C DAVID SURFACE President & CEO 40.00 0.00 X X 203881 0 27236 PATRICK BRADY 2nd Vice Chair 2.00 0.00 X X 0 0 0 STEVEN WALSH Director 2.00 0.00 X 0 0 0 RICHARD DRAGONE Chairman 4.00 0.00 X X 0 0 0 PHILIP J DOYLE Director 2.00 0.00 X 0 0 0 STEPHEN SALVO Vice Chairman 4.00 0.00 X X 0 0 0 IRA NOVOSELSKY Director 2.00 0.00 X 0 0 0 KATHY DONAHUE Vice President 40.00 0.00 X 108117 0 18869 KATHY MACDONALD Vice President 40.00 0.00 X 85577 0 12134 KAREN INTERBARTOLO Vice President 40.00 0.00 X 86505 0 17115 NICOLE A MARKEE Controller 40.00 0.00 X 78018 0 16958 SCOTT RAMSEY LOAN OFFICER 40.00 0.00 X 87006 0 22880 649104 115192 2 false true false SYNERGENT 2 LEDGEWOOD DRIVE WESTBROOK ME 04092 CORE PROCESSOR 348754 DIGITAL INSIGHT PO BOX 515306 LOS ANGELES CA 900516606 HOME BANKING/BILL PA 222251 PULEO REALTY TRUST 376 HIGHLAND AVENUE SALEM MA 01970 REAL ESTATE -RENTAL 188235 SYNERGENT EFT COSTS 2 LEDGEWOOD DRIVE WESTBROOK ME 04092 DATA PROCESSING-EFT 148259 BLUE CROSS BLUE SHIELD LANDMARK CENTER 401 PARK DRIVE BOSTON MA 022153326 HEALTH INSURANCE 241421 5 0 INTEREST- CONSUMER LOANS 522291 1417046 1417046 INTEREST-RE LOANS 522292 2933381 2933381 4350427 312838 312838 0 0 0 11472346 11268131 204215 204215 204215 0 0 0 NON MEMBER ATM FEES 71954 71954 OTHER INCOME 900099 424565 424565 SERVICE CHARGES AND FEES 900099 1242354 1242354 1738873 6606353 6534399 71954 0 0 0 0 764296 764296 0 1514148 1514148 149064 149064 225767 225767 183792 183792 0 1650 1650 19152 19152 0 0 0 0 80380 80380 187651 187651 518776 518776 0 590569 590569 0 0 64470 64470 707491 707491 0 268298 268298 48395 48395 EFT 271635 271635 EQUIPMENT 136704 136704 NCUA EXPENSE 102844 102844 LOAN SERVICING 96742 96742 375082 375082 6306906 707491 5599415 0 1366761 1734744 35947188 27822958 0 0 2920302 2852715 0 85279259 89078784 0 133540 118356 6775060 2168622 4821243 4606438 7003344 17941001 292400 238500 0 0 2834786 4089980 140598823 148483476 149497 147607 246865 322351 304479 332016 125606798 133327977 126307639 134129951 X 14291184 14353525 14291184 14353525 140598823 148483476 X 299447 -237106 X false true X true false false true X 1530298 1530298 1876239 545279 1330960 1009331 295730 713601 2359192 1327613 1031579 4606438 OTHER LIABILITIES 275651 SHARES AND DEPOSITS 133052326 133327977 6606353 6606353 6606353 6306906 6306906 6306906 Part IV, Line 2b: Explanation of escrow account liability MORTGAGE ESCROW ACCOUNTS HELD FOR THE PAYMENT OF REAL ESTATE TAXES FOR MUNICIPALITIES. X true true X X false false false C DAVID SURFACE President & CEO 185000 101 18780 14217 13019 231117 Part I, Line 1a: Relevant information in regards to selections on 1a. KATHLEEN DONAHUE OFFICER LOAN X 320000 319076 false true true DAVID SURFACE OFFICER LOAN X 162000 140335 false true true RICHARD DRAGONE DIRECTOR LOAN X 309600 262770 false true true KAREN INTERBARTOLO OFFICER LOAN X 114500 93549 false true true LINDA LEBLANC DIRECTOR LOAN X 80000 69135 false true true KATHRYN MACDONALD OFFICER LOAN X 257000 221384 false true true NICOLE MARKEE OFFICER EQUITY LOAN X 259000 253986 false true true STEPHEN SALVO DIRECTOR LOAN X 533850 514659 false true true PAUL AMIRAULT DIRECTOR LOAN X 263 false true true KATHLEEN DONAHUE OFFICER LOAN X false true true RICHARD DRAGONE DIRECTOR LOAN X 250000 228983 false true true STEVEN WALSH DIRECTOR LOAN X 27550 17646 false true true STEVEN WALSH DIRECTOR LOAN X 159000 155256 false true true STEVEN WALSH DIRECTOR LOAN X 1000 927 false true true NICOLE MARKEE OFFICER LOAN X 3852 3529 false true true STEPHEN SALVO DIRECTOR LOAN X 5500 false true true STEPHEN SALVO DIRECTOR LOAN X 162000 49370 false true true JOHN BURKE DIRECTOR LOAN X 100000 13743 false true true KAREN INTERBARTOLO OFFICER LOAN X 81 false true true RICHARD BONNEVIE DIRECTOR LOAN X 13066 10399 false true true SCOTT RAMSEY OFFICER LOAN X 8500 7878 false true true SCOTT RAMSEY OFFICER LOAN X 1464 false true true MARILYN DOYLE DIRECTOR LOAN X 160000 false true true RENEE KELLEHER DIRECTOR LOAN X 340000 320357 false true true IRA NOVOSELSKY DIRECTOR LOAN X 130000 52158 false true true NICOLE MARKEE OFFICER LOAN X 22000 21788 false true true NICOLE MARKEE OFFICER LOAN X 1000 802 false true true PATRICK BRADY DIRECTOR LOAN X 200000 94985 false true true 2852715 Form 990, Part VI, Line 5: Description of Material Diversion of Assets Theft in Revere Office. 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 7a: How Members or Shareholders Elect Governing Body Each member has a vote at the election of the board of directors. Form 990, Part VI, Line 7b: Describe Decisions of Governing Body Approval by Members or Shareholders Any changes to the incorporating documents, i.e. Bylaws are approved by the membership. Form 990, Part VI, Line 11b: Form 990 Review Process Once received the 990 will be reviewed by the CEO, CFO and directors. Due to filing deadlines, the 990 may be reviewed by the board of directors subsequent to filing. The review is documented in the minutes. Form 990, Part VI, Line 12c: Explanation of Monitoring and Enforcement of Conflicts Employees and Staff receive a new copy of the policy yearly. Signed acknowledgements are kept on file. Form 990, Part VI, Line 15a: Compensation Review & Approval Process - CEO, Top Management CEO'S COMPENSATION IS DETERMINED BY THE BOARD OF DIRECTORS. SENIOR MANAGEMENT IS DETERMINED BY INCREASE SET FORTH FOR STAFF AND APPROVED BY THE BOARD OF DIRECTORS. SALARY SURVEYS, INDUSTRY TRENDS AND EARNINGS ARE ALL TAKEN INTO CONSIDERATION. Form 990, Part VI, Line 15b: Compensation Review and Approval Process for Officers and Key Employees CEO'S COMPENSATION IS DETERMINED BY THE BOARD OF DIRECTORS. SENIOR MANAGMENT IS DETERMINED BY INCREASE SET FORTH FOR STAFF AND APPROVED BY THE BOARD OF DIRECTORS. SALARY SURVEYS, INDUSTRY TRENDS AND EARNINGS ARE ALL TAKEN INTO CONSIDERATION. Form 990, Part VI, Line 19: Other Organization Documents Publicly Available Information is posted in the lobby at branch locations and available upon request. The information is updated on a monthly basis after the board meets each month. Other Changes In Net Assets Or Fund Balances - Other Decreases CHANGE IN FAS115- UNREALIZED GAIN/LOSS = -$12106 Other Changes In Net Assets Or Fund Balances - Other Decreases PAYMENTS TO DONATED EQUITY = -$225000