2011-06-30T11:28:44-07:00 2010-12-31 ROBERT ANDERSON & COMPANY PC 138 DODGE ST BEVERLY MA 019151866 990 2010-01-01 041801520 ST JEANS CREDIT UNION STJE 7815925420 250 MAPLE STREET Lynn MA 01904 C DAVID SURFACE 2011-06-30 2010 2016-03-07 17:11:31Z 13615331 false false X www.stjeanscu.com CREDIT UNION 11 10 52 10 87155 -37280 0 5408109 5458101 579093 551127 2084662 1448617 8071864 7457845 0 0 2473781 2561201 0 0 6613624 4346603 9087405 6907804 -1015541 550041 133845769 133701426 120800537 120156524 13045232 13544902 CREDIT UNION false false 1263120 MAINTAINING OF MEMBERS ACCOUNTS AND THE PAYMENTS OF DIVIDENDS THERE ON. NUMBER OF ACCOUNTS 25,132.. 5458101 MAKING LOANS TO MEMBERS AT INTEREST. NUMBER OF ACCOUNTS 3,915. 1263120 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 3968 0 true 52 true true true false false false false false false false false false false false false false X 11 10 false false false false true true true true true false true true true true true true true true true true false false X David Surface 7815925420 250 MAPLE STREET LYNN MA 01904 STEVEN WALSH 2.00 X 0 0 0 STEPHEN SALVO 4.00 X X 0 0 0 SCOTT RAMSEY 40.00 X 80009 0 23082 RICHARD DRAGONE 4.00 X X 0 0 0 RICHARD BONNEVIE 2.00 X X 0 0 0 PHILIP J DOYLE 2.00 X 0 0 0 PATRICK BRADY 2.00 X X 0 0 0 NICOLE A MARKEE 40.00 X 71719 0 17137 LINDA LEBLANC 2.00 X X 0 0 0 KATHY MACDONALD 40.00 X 78433 0 16936 KATHY DONAHUE 40.00 X 99399 0 17151 KAREN INTERBARTOLO 40.00 X 79607 0 15642 J PAUL BURKE 5.00 X X 0 0 0 IRA NOVOSELSKY 2.00 X 0 0 0 EDWARD LEBLANC 2.00 X 0 0 0 C DAVID SURFACE 40.00 X X X 173855 0 22886 583022 112834 1 false true false OPEN SOLUTIONS INC 455 WINDING BROOK DRIVE GLASTONBURY CT 06033 CORE DATA PROCESSING 205931 FIS 601 RIVERSIDE AVENUE JACKSONVILLE FL 32204 ATM/DEBIT CARD 154663 DIGITAL INSIGHT PO BOX 515306 LOS ANGELES CA 900516606 HOME BANKING/BILL PA 116692 3 0 INTEREST ON LOANS 5458101 5458101 5458101 465442 465442 0 0 0 6243171 6157486 85685 85685 85685 0 0 0 SERVICE CHARGES AND FEES 1076189 1076189 OTHER INCOME 285273 285273 NON MEMBER ATM FEES 87155 87155 1448617 7457845 7370690 87155 0 0 0 0 695856 695856 0 1351716 1351716 139242 139242 201104 201104 173283 173283 0 14450 14450 20100 20100 0 0 0 0 79675 79675 285473 285473 344795 344795 0 591024 591024 42079 42079 0 0 1263120 1263120 0 318605 318605 26462 26462 PROVISION FOR LOAN LOSSES 408909 408909 Postage and Shipping 90404 90404 NCUA IMPAIRMENT 299066 299066 EQUIPMENT 122672 122672 EFT 176027 176027 263742 263742 6907804 1263120 5644684 0 2510286 1519404 27132967 25928327 0 0 2573875 600589 0 85109726 89871724 0 95820 86534 9111210 4278938 5091091 4832272 9388771 8901046 0 0 0 1943233 1961530 133845769 133701426 259363 334543 301161 352236 120240013 119469745 120800537 120156524 X 13045232 13544902 13045232 13544902 133845769 133701426 X 550041 -50371 X false true true X false false false true 695784 695784 3041042 1078523 1962519 1584647 413116 1171531 3789737 2787299 1002438 4832272 SHARES AND DEPOSITS 119048574 OTHER LIABILITIES 421171 119469745 7457845 6907804 550041 -50371 -50371 499670 7457845 7457845 7457845 6907804 6907804 6907804 Part XI, Line 8 Part XI, Line 8: Other Changes in Net Assets or Fund Balances $ -0 CHANGE IN FMV DUE TO SFAS 115 $ -50371 Part IV, Line 2b 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 155527 101 18227 11301 11585 196741 Sch J, Part I, Line 1a Part I, Line 1a: Relevant information in regards to selections on 1a. MORTGAGE X 150000 150000 false true true PHILIP DOYLE EQUITY LOAN X 160000 false true true PATRICK BRADY EQUITY LOAN X 200000 41567 false true true C DAVID SURFACE EQUITY LOAN X 146000 140025 false true true NICOLE MARKEE SHARE SECURED X 6000 6000 false true true NICOLE MARKEE USED AUTO LOAN X 14011 12586 false true true NICOLE MARKEE SHARE SECURED LOAN X 1000 812 false true true RICHARD DRAGONE EQUITY LOAN X 250000 248299 false true true NICOLE MARKEE SHARE SECURED LOAN X 1300 1300 false true true 600589 Form 990, Part VI, Line 19 Form 990, Part VI, Line 19: Other Organization Documents Publicly Available Information is posted in the lobby at branch locations and available upon request. Form 990, Part VI, Line 15b Form 990, Part VI, Line 15b: Compensation Review and Approval Process for Officers and Key Employees MANAGEMENT'S SALARIES ARE BASED ON THE INDUSTRY, COMPARED TO THE CUNA SALARY SURVEY.THE PERSONNEL COMMITTEE AND THE BOARD APPROVES THE ANNUAL BUDGET. BONUS TO CEO IS FROM PRE-ESTABLISHED GOALS. Form 990, Part VI, Line 12c Form 990, Part VI, Line 12c: Explanation of Monitoring and Enforcement of Conflicts Annually signed by employees and the board. The conflict of interest policy is included in the personnel policy. Form 990, Part VI, Line 11 Form 990, Part VI, Line 11: Form 990 Review Process Once received the 990 will be reviewed by the CEO and directors. Due to filing deadlines, the 990 will be reviewed by the board of directors subsequent to filing. Form 990, Part VI, Line 7a 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 6 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.