Civic Intelligence

Bridgewater Credit Union

EIN 04-2030899 • 501(c)14 • Bridgewater, MA

View Organization Page

Profile

To serve our community and partner with our members to offer value-added financial products, services, solutions, and no-compromise member service.

75 Main Street PO Box 610Bridgewater, MA 02324-0610

www.bridgewatercu.com

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

58th percentile

0.91x

Higher debt load relative to assets than 58% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Source year 2018

Liabilities / Revenue

97th percentile

23.98x

Higher debt load relative to revenue than 97% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Source year 2018

Net Margin

16th percentile

2.7%

Higher net margin than 16% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Source year 2018

Top Officer Pay

Score unavailable

No value available

No filing with officer rows is available for this organization yet.

Asset Growth

74th percentile

6.2%

Faster asset growth than 74% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Annualized from 2017 to 2018

Revenue Growth

37th percentile

12%

Faster revenue growth than 37% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Annualized from 2017 to 2018

Balance Sheet
Liabilities / Assets58th percentile

Assets

Up

$378,936,415

Up $21,974,226 (+6.2%) from 2017

Liabilities

Up

$343,963,460

Up $22,254,938 (+6.9%) from 2017

Net Assets

Down

$34,972,955

Down $280,712 (-0.8%) from 2017

Operations
Liabilities / Revenue97th percentileNet Margin16th percentile

Revenue

Up

$14,346,550

Up $1,491,441 (+12%) from 2017

Expenses

Up

$13,961,575

Up $1,441,554 (+12%) from 2017

Net Income

Up

$384,975

Up $49,887 (+15%) from 2017

Trend Graphs

Balance Sheet Trend

Asset Growth74th percentile

Grouped bars show assets, liabilities, and net assets across loaded filings.

$400M$300M$200M$100M$0Assets 2010: $306,867,181Liabilities 2010: $276,972,297Net Assets 2010: $29,894,8842010Assets 2011: $329,886,894Liabilities 2011: $298,086,763Net Assets 2011: $31,800,1312011Assets 2012: $334,013,374Liabilities 2012: $299,980,307Net Assets 2012: $34,033,0672012Assets 2013: $332,820,982Liabilities 2013: $298,353,029Net Assets 2013: $34,467,9532013Assets 2014: $331,909,172Liabilities 2014: $296,481,473Net Assets 2014: $35,427,6992014Assets 2015: $338,095,448Liabilities 2015: $303,169,254Net Assets 2015: $34,926,1942015Assets 2016: $346,272,891Liabilities 2016: $311,031,782Net Assets 2016: $35,241,1092016Assets 2017: $356,962,189Liabilities 2017: $321,708,522Net Assets 2017: $35,253,6672017Assets 2018: $378,936,415Liabilities 2018: $343,963,460Net Assets 2018: $34,972,9552018

Highlighted filing

2018

Assets$378,936,415
Liabilities$343,963,460
Net Assets$34,972,955
Open 2018 Filing

Operations Trend

Revenue Growth37th percentile

Revenue, expenses, and net income by year, with the latest filing highlighted.

$20M$15M$10M$5.0M$0-$5.0MExpenses 2010: $14,687,1912010Expenses 2011: $14,184,9362011Revenue 2012: $15,621,420Expenses 2012: $13,402,424Net Income 2012: $2,218,9962012Revenue 2013: $13,725,621Expenses 2013: $12,662,424Net Income 2013: $1,063,1972013Revenue 2014: $12,942,428Expenses 2014: $12,106,212Net Income 2014: $836,2162014Revenue 2015: $12,456,824Expenses 2015: $12,741,924Net Income 2015: -$285,1002015Revenue 2016: $12,502,094Expenses 2016: $12,007,079Net Income 2016: $495,0152016Revenue 2017: $12,855,109Expenses 2017: $12,520,021Net Income 2017: $335,0882017Revenue 2018: $14,346,550Expenses 2018: $13,961,575Net Income 2018: $384,9752018

Highlighted filing

2018

Revenue$14,346,550
Expenses$13,961,575
Net Income$384,975
Open 2018 Filing

Filings

Most recent year

2018 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$378,936,415
Liabilities
$343,963,460
Net assets
$34,972,955
Revenue
$14,346,550
Expenses
$13,961,575
Net income
$384,975
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2018Detailed filing. Detailed filing data is available for this year.$379$344$35.0$14.3$14.0$0.38
2017Detailed filing. Detailed filing data is available for this year.$357$322$35.3$12.9$12.5$0.34
2016Detailed filing. Detailed filing data is available for this year.$346$311$35.2$12.5$12.0$0.50
2015Detailed filing. Detailed filing data is available for this year.$338$303$34.9$12.5$12.7$0.29
2014Detailed filing. Detailed filing data is available for this year.$332$296$35.4$12.9$12.1$0.84
2013Detailed filing. Detailed filing data is available for this year.$333$298$34.5$13.7$12.7$1.06
2012Summary only. Only limited summary data is available for this year.$334$300$34.0$15.6$13.4$2.22
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$330$298$31.8$14.2
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$307$277$29.9$14.7
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2018 to Dec 31, 2018
Signed
May 14, 2019
Return Version
2018v3.1
Gross Receipts
$14,346,550
Mission and Program Overview

Mission

State chartered community credit union serving approximately 30,000 members offering a wide variety of loan and deposit products.

Member owned financial institution offering a variety of savings and loan products.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$253,635,692$273,643,593▲ $20,007,901
Investments Other Securities$77,767,426$79,388,377▲ $1,620,951
Rtn Earn Endowment Incm Other Fnds$35,253,667$34,972,955▼ $280,712
Savings and Temporary Cash Investments$15,036,022$15,852,447▲ $816,425
Land, Buildings, and Equipment, Net$6,018,249$5,920,372▼ $97,877
Cash and Non-Interest-Bearing Accounts$1,493,731$1,249,801▼ $243,930
Prepaid Expenses and Deferred Charges$269,150$233,863▼ $35,287
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$356,962,189$378,936,415▲ $21,974,226
Other Assets Total$2,741,919$2,647,962▼ $93,957
Liabilities
Other Liabilities$288,213,354$309,947,236▲ $21,733,882
Mortgage Notes Payable Secured by Investment Property$32,078,674$33,046,539▲ $967,865
Accounts Payable and Accrued Expenses$1,416,494$969,685▼ $446,809
Total Liabilities$321,708,522$343,963,460▲ $22,254,938
Net Assets / Fund Balance
Total Net Assets Fund Balance$35,253,667$34,972,955▼ $280,712
Total Liabilities and Net Assets / Fund Balance$356,962,189$378,936,415▲ $21,974,226

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$3,477,901$3,100,119$6,578,020
Equipment$678,267$4,153,359$4,831,626
Leasehold Improvements$888,285$953,181$1,841,466
Land$875,919-$875,919
Other Securities$20,495,943--
Compensation and Service Providers
Top Officer PayScore unavailable

Employees

NameTitleFull / Part TimeBaseOtherTotal
John HowardPresident/CEOFT$250,223$22,770$272,993
Brad EganSVP/chief Lending OfficerFT$186,581$20,672$207,253
Michael ValleySVP/CFO & TreasurerFT$181,809$11,535$193,344
Dante DimassaDirector of Residential LeFT$131,852$14,500$146,352
John HimmelVP/cons Lending/collectionFT$103,541$18,273$121,814
Robert CabralVP/retail BankingFT$109,860$5,256$115,116
Bruce NewtonVP/member ServicesFT$105,842$4,023$109,865
Audrey GallivanDirector--$9,057$9,057
Bernard MullhollandDirector--$5,391$5,391
Raymond ArabaszDirector--$4,555$4,555
Stephanie SousaDirector--$4,090$4,090
Mary K BriandDirector--$3,176$3,176
David ThomasDirector--$1,491$1,491
David LondonDirector--$1,330$1,330
Anne CreamerDirector--$33$33
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$12,522,417
Investment Income
$1,824,133
Other Revenue
$0
Change in Net Assets
$384,975

Audited Revenue Reconciliation

Revenue per Audited Statements
$14,346,550
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$499
Total Revenue per Audited Statements
$14,347,049
Total Revenue per Form 990
$14,346,550
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$8,786,039
Salaries, Compensation, and Employee Benefits$5,175,536
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$3,056,961
Interest---$2,502,443
Current Officers, Directors, Trustees, and Key Employees---$1,195,860
Occupancy---$708,297
Depreciation Depletion---$481,768
Other Employee Benefits---$473,220
Advertising---$392,294
Payroll Taxes---$377,798
All Other Expenses---$374,977
Fees for Services Other---$370,196
Fees for Services Accounting---$286,787
Other Expenses---$231,442
Office Expenses---$227,540
Insurance---$86,184
Conferences and Meetings---$81,189
Pension Plan Contributions---$71,697
Fees for Services Legal---$68,625
Travel---$48,479
Total Functional Expenses$0$0$0$13,961,575

Audited Expense Reconciliation

Line ItemAmount
Total Expenses per Audited Statements$13,962,075
Expenses per Audited Statements$13,961,575
Total Expenses per Form 990$13,961,575
Expenses Not Reported on Form 990$500
Expenses Not Reported on Financial Statements$0
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Subject to proxy tax
No
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Members Deposits and Escrows$309,947,236
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
Yes
Backup withholding compliance
Yes
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
Yes
Other officer compensation reviewed
Yes
Conflict-of-interest policy
Yes
Audited financial statements prepared
Yes
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 6

“Depositors with a minimum balance of $5 in their savings account are members.”

Form 990, Part VI, Section A, Line 7A

“The board of directors are voted by the members at the annual meeting.”

Form 990, Part VI, Section A, Line 7B

“Election of directors, charter changes and mergers require a vote by the members. Only members that attend these meetings are required to vote.”

Form 990, Part VI, Section B, Line 11B

“A copy of the form 990 is given to the vp-treasurer of the credit union for review and then he provides a copy to the audit committee for their final review before it is filed.”

Form 990, Part VI, Section B, Line 12C

“Conflicts are monitored by the credit union annually.”

Form 990, Part VI, Section B, Line 15

“The credit union uses compensation survey's for general pay scales and for comparable compensation for similar persons. The board of directors are required to approve the compensation agreements at meetings of which records are kept.”

Form 990, Part VI, Section C, Line 19

“The credit union's financial statements are available in the lobby of each branch and the privacy policies are available upon request. The call report information is available on the ncua website.”

Filing and Contact Details

Filer

Filer Name
Bridgewater Credit Union
EIN
04-2030899
Phone
5086978101
Address
75 MAIN STREET PO BOX 610, BRIDGEWATER, MA 02324-0610

Signing Officer

Name
John Howard
Title
President
Phone
5086978101
Signed
2019-05-14
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Michael Valley
Formed
1941
Legal Domicile
Ma
Voting Board Members
9
Independent Board Members
8
Employees
90
Volunteers
0

Preparer

Firm
Gerald T Reilly & Company
Address
424 ADAMS STREET, MILTON, MA 02186
Preparer
Jayme F Moore CPA
Phone
6176968900
Supplemental Narrative

Additional Explanations

FORM 990, PART XII, LINE 2C:

“Audited financial statements were prepared as of 12/31/18”

Financial Statement Notes

PART XI, LINE 2D - OTHER ADJUSTMENTS:

“Bcu financial llc net income (loss) 499.”

PART XII, LINE 2D - OTHER ADJUSTMENTS:

“Expenses of subsidiary-bcu financial llc 500.”

Raw XML AppendixShowing 400 of 574 raw XML fields

This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

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IRS990/IncludeFIN48FootnoteInd00
IRS990/IndependentAuditFinclStmtInd00
IRS990/IndependentVotingMemberCnt08
IRS990/IndivRcvdGreaterThan100KCnt07
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartXIIInd0X
IRS990/InsuranceGrp/TotalAmt086184
IRS990/InterestGrp/TotalAmt02502443
IRS990/InvestmentIncomeGrp/ExclusionAmt01824133
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt01824133
IRS990/InvestmentInJointVentureInd01
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt077767426
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt079388377
IRS990/IRPDocumentCnt06833
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt08206659
IRS990/LandBldgEquipBasisNetGrp/BOYAmt06018249
IRS990/LandBldgEquipBasisNetGrp/EOYAmt05920372
IRS990/LandBldgEquipCostOrOtherBssAmt014127031
IRS990/LegalDomicileStateCd0MA
IRS990/LoanOutstandingInd00
IRS990/LocalChaptersInd01
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0TO SERVE OUR COMMUNITY AND PARTNER WITH OUR MEMBERS TO OFFER VALUE-ADDED FINANCIAL PRODUCTS, SERVICES, SOLUTIONS, AND NO-COMPROMISE MEMBER SERVICE.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/MortgNotesPyblScrdInvstPropGrp/BOYAmt032078674
IRS990/MortgNotesPyblScrdInvstPropGrp/EOYAmt033046539
IRS990/NetAssetsOrFundBalancesBOYAmt035253667
IRS990/NetAssetsOrFundBalancesEOYAmt034972955
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NetUnrlzdGainsLossesInvstAmt0-665687
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt0708297
IRS990/OfficeExpensesGrp/TotalAmt0227540
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt02741919
IRS990/OtherAssetsTotalGrp/EOYAmt02647962
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0473220
IRS990/OtherExpensesGrp/Desc0DATA PROCESSING
IRS990/OtherExpensesGrp/Desc1OTHER
IRS990/OtherExpensesGrp/Desc2STUDENT LOAN INSURANCE
IRS990/OtherExpensesGrp/Desc3PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/TotalAmt02032675
IRS990/OtherExpensesGrp/TotalAmt1636168
IRS990/OtherExpensesGrp/TotalAmt2256975
IRS990/OtherExpensesGrp/TotalAmt3231442
IRS990/OtherLiabilitiesGrp/BOYAmt0288213354
IRS990/OtherLiabilitiesGrp/EOYAmt0309947236
IRS990/OtherOrganizationDsc0CREDIT UNION
IRS990/OtherSalariesAndWagesGrp/TotalAmt03056961
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt0253635692
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0273643593
IRS990/PartialLiquidationInd00
IRS990/PayPremiumsPrsnlBnftCntrctInd00
IRS990/PayrollTaxesGrp/TotalAmt0377798
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt071697
IRS990/PoliciesReferenceChaptersInd01
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0269150
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0233863
IRS990/PrincipalOfficerNm0MICHAEL VALLEY
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/BusinessCd2522100
IRS990/ProgramServiceRevenueGrp/BusinessCd3522100
IRS990/ProgramServiceRevenueGrp/BusinessCd4522100
IRS990/ProgramServiceRevenueGrp/Desc0LOAN INCOME
IRS990/ProgramServiceRevenueGrp/Desc1FEE INCOME
IRS990/ProgramServiceRevenueGrp/Desc2OTHER INCOME
IRS990/ProgramServiceRevenueGrp/Desc3GAINS ON SALE OF LOANS
IRS990/ProgramServiceRevenueGrp/Desc4EQUITY IN INVEST IN OCTANT LLC
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt09668515
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt12506876
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt2291720
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt339118
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt416687
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt09668515
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt12506876
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt2291720
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt339118
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt416687
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt01358784
IRS990/PYOtherExpensesAmt07618987
IRS990/PYOtherRevenueAmt00
IRS990/PYProgramServiceRevenueAmt011496325
IRS990/PYRevenuesLessExpensesAmt0335088
IRS990/PYSalariesCompEmpBnftPaidAmt04901034
IRS990/PYTotalExpensesAmt012520021
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt012855109
IRS990/QuidProQuoContributionsInd00
IRS990/RcvFndsToPayPrsnlBnftCntrctInd00
IRS990/ReconcilationRevenueExpnssAmt0384975
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd01
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd01
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt035253667
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt034972955
IRS990/SavingsAndTempCashInvstGrp/BOYAmt015036022
IRS990/SavingsAndTempCashInvstGrp/EOYAmt015852447
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt03477901
IRS990ScheduleD/BuildingsGrp/DepreciationAmt03100119
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt06578020
IRS990ScheduleD/EquipmentGrp/BookValueAmt0678267
IRS990ScheduleD/EquipmentGrp/DepreciationAmt04153359
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt04831626
IRS990ScheduleD/ExpensesNotReportedAmt0500
IRS990ScheduleD/ExpensesNotRptFinclStmtAmt00
IRS990ScheduleD/ExpensesSubtotalAmt013961575
IRS990ScheduleD/LandGrp/BookValueAmt0875919
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0875919
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt0888285
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt0953181
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt01841466
IRS990ScheduleD/OtherExpensesIncludedAmt0500
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0309947236
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBERS DEPOSITS AND ESCROWS
IRS990ScheduleD/OtherRevenueAmt0499
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt020000
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt12205700
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt22875812
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt3711636
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt42215
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt5133546
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt66034473
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt722622102
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt817696524
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt96590426
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt1020495943
IRS990ScheduleD/OtherSecuritiesGrp/Desc0CO-OP STOCK
IRS990ScheduleD/OtherSecuritiesGrp/Desc1FHLB STOCK
IRS990ScheduleD/OtherSecuritiesGrp/Desc2NCUSIF DEPOSIT
IRS990ScheduleD/OtherSecuritiesGrp/Desc3EASCORP MEMBERSHIP DEPOSITS
IRS990ScheduleD/OtherSecuritiesGrp/Desc4INVESTMENT IN BCU FINANCIAL LLC
IRS990ScheduleD/OtherSecuritiesGrp/Desc5INVESTMENT IN OCTANT BUSINESS SERVICES, LLC
IRS990ScheduleD/OtherSecuritiesGrp/Desc6FEDERAL AGENCY BONDS
IRS990ScheduleD/OtherSecuritiesGrp/Desc7COLLATERALIZED MORTGAGE OBLIGATIONS
IRS990ScheduleD/OtherSecuritiesGrp/Desc8MORTGAGE BACKED SECURITIES
IRS990ScheduleD/OtherSecuritiesGrp/Desc9NEGOTIABLE CDS
IRS990ScheduleD/OtherSecuritiesGrp/Desc10SMALL BUSINESS ADMINISTRATION SECURITIES
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd0C
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd1C
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd2C
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd3C
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd4C
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd5C
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd6F
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd7F
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd8F
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd9F
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd10F
IRS990ScheduleD/RevenueNotReportedAmt0499
IRS990ScheduleD/RevenueNotReportedFinclStmtAmt00
IRS990ScheduleD/RevenueSubtotalAmt014346550
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0BCU FINANCIAL LLC NET INCOME (LOSS) 499.
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt1EXPENSES OF SUBSIDIARY-BCU FINANCIAL LLC 500.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0PART XI, LINE 2D - OTHER ADJUSTMENTS:
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc1PART XII, LINE 2D - OTHER ADJUSTMENTS:
IRS990ScheduleD/TotalBookValueLandBuildingsAmt05920372
IRS990ScheduleD/TotalBookValueSecuritiesAmt079388377
IRS990ScheduleD/TotalExpensesPerForm990Amt013961575
IRS990ScheduleD/TotalLiabilityAmt0309947236
IRS990ScheduleD/TotalRevenuePerForm990Amt014346550
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt014347049
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt013962075
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/CompensationCommitteeInd0X
IRS990ScheduleJ/CompensationSurveyInd0X
IRS990ScheduleJ/DiscretionarySpendingAcctInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd00
IRS990ScheduleJ/IdemnificationGrossUpPmtsInd0X
IRS990/ScheduleJRequiredInd01
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0250223
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt1181809
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt2186581
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount20
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt20
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt20
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt20

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