Cabot Boston Credit Union
| Fiscal year | Revenue | Expenses | Net | Reserve mo. | Staff % |
|---|---|---|---|---|---|
| 2019 | 256,229 | 248,673 | 7,556 | 56.5 | 55% |
| 2020 | 219,027 | 0 | 219,027 | — | — |
| 2021 | 226,466 | 235,185 | −8,719 | 58.3 | 59% |
| 2022 | 177,652 | 235,383 | −57,731 | 55.3 | 57% |
| 2023 | 237,315 | 284,711 | −47,396 | 43.7 | 61% |
In its most recent public year (2023), this organization spent $47,396 more than it brought in. Its reserves stood at about 43.7 months of spending, down from 56.5 in 2019. Staff pay was 61% 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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