Southbridge Credit Union
| Fiscal year | Revenue | Expenses | Net | Reserve mo. | Staff % |
|---|---|---|---|---|---|
| 2011 | 9,343,561 | 9,541,419 | −197,858 | 26.9 | 25% |
| 2012 | 9,579,163 | 8,631,566 | 947,597 | 30.7 | 28% |
| 2013 | 8,481,885 | 8,185,865 | 296,020 | 28.7 | 30% |
| 2014 | 7,579,672 | 7,740,616 | −160,944 | 32.7 | 32% |
| 2015 | 7,306,007 | 7,836,668 | −530,661 | 31.6 | 31% |
| 2016 | 8,054,377 | 7,731,385 | 322,992 | 33.0 | 33% |
| 2017 | 8,752,163 | 8,589,565 | 162,598 | 29.4 | 29% |
| 2018 | 8,820,160 | 8,627,254 | 192,906 | 29.4 | 27% |
| 2019 | 9,399,424 | 8,941,507 | 457,917 | 29.7 | 26% |
| 2020 | 8,804,606 | 8,635,831 | 168,775 | 31.4 | 28% |
| 2021 | 8,395,141 | 7,941,976 | 453,165 | 34.6 | 29% |
| 2022 | 9,370,814 | 8,248,124 | 1,122,690 | 33.2 | 29% |
| 2023 | 10,589,215 | 10,331,619 | 257,596 | 26.5 | 26% |
In its most recent public year (2023), this organization brought in $257,596 more than it spent. Its reserves stood at about 26.5 months of spending. Staff pay was 26% of spending.
Reserve months = net assets ÷ average monthly spending; net assets count everything the organization owns beyond its debts — buildings and donor-restricted funds included, not just cash. Staff pay = salaries, wages, and officer compensation; it excludes benefits and payroll taxes. The IRS releases this data years after the fact — this organization's newest public year is 2023. Years refer to the calendar year in which the organization's fiscal year ended. Short-form filers do not publicly report donor-restricted balances or staffing costs. Source filings
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