Civic Intelligence

Bridgewater Credit Union

990 • Fiscal year 2015 • EIN 04-2030899

Jan 01, 2015 to Dec 31, 2015 • Filed on Apr 19, 2016

Organization ProfileWWW.BRIDGEWATERCU.COM

View Organization Page

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

(508) 697-8101

Siviq Scores

Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.

Liabilities / Assets

52nd percentile

0.90x

Higher debt load relative to assets than 52% of similar nonprofits.

2015 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2015

Liabilities / Revenue

89th percentile

24.34x

Higher debt load relative to revenue than 89% of similar nonprofits.

2015 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2015

Net Margin

2nd percentile

-2.3%

Higher net margin than 2% of similar nonprofits.

2015 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2015

Top Officer Pay

98th percentile

$1,244,913

Higher top officer pay than 98% of similar nonprofits.

Top officer pay equals 10.0% of source-year revenue.

2015 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2015

Asset Growth

11th percentile

1.9%

Faster asset growth than 11% of similar nonprofits.

2015 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2014 to 2015

Revenue Growth

7th percentile

-3.8%

Faster revenue growth than 7% of similar nonprofits.

2015 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2014 to 2015

Balance Sheet
Liabilities / Assets52nd percentile

Assets

Up

$338,095,448

Up $6,186,276 (+1.9%) from 2014

Net Assets

Down

$34,926,194

Down $501,505 (-1.4%) from 2014

Liabilities

Up

$303,169,254

Up $6,687,781 (+2.3%) from 2014

Revenue And Expenses
Liabilities / Revenue89th percentileNet Margin2nd percentile

Revenue

Down

$12,456,824

Down $485,604 (-3.8%) from 2014

Expenses

Up

$12,741,924

Up $635,712 (+5.3%) from 2014

Net Income

Down

-$285,100

Down $1,121,316 (-134%) from 2014

Historical Trend

Balance Sheet Trend

Asset Growth11th percentile

The highlighted filing sits inside the broader history for assets, liabilities, and net assets.

$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

2015

Assets$338,095,448
Liabilities$303,169,254
Net Assets$34,926,194
Open 2015 Filing

Operations Trend

Revenue Growth7th percentile

Revenue, expenses, and net income across loaded years, with this 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

2015

Revenue$12,456,824
Expenses$12,741,924
Net Income-$285,100
Open 2015 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2015 to Dec 31, 2015
Signed
Apr 19, 2016
Return Version
2015v2.1
Gross Receipts
$26,919,976
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$242,233,848$248,447,053▲ $6,213,205
Investments Other Securities$58,159,982$64,264,051▲ $6,104,069
Rtn Earn Endowment Incm Other Fnds$35,427,699$34,926,194▼ $501,505
Savings and Temporary Cash Investments$19,746,630$13,366,585▼ $6,380,045
Land, Buildings, and Equipment, Net$6,754,359$6,535,583▼ $218,776
Cash and Non-Interest-Bearing Accounts$2,501,074$2,568,576▲ $67,502
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$331,909,172$338,095,448▲ $6,186,276
Other Assets Total$2,513,279$2,913,600▲ $400,321
Liabilities
Other Liabilities$267,551,441$276,154,101▲ $8,602,660
Mortgage Notes Payable Secured by Investment Property$28,274,500$26,172,641▼ $2,101,859
Accounts Payable and Accrued Expenses$655,532$842,512▲ $186,980
Total Liabilities$296,481,473$303,169,254▲ $6,687,781
Net Assets / Fund Balance
Total Net Assets Fund Balance$35,427,699$34,926,194▼ $501,505
Total Liabilities and Net Assets / Fund Balance$331,909,172$338,095,448▲ $6,186,276

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$3,930,783$2,586,442$6,517,225
Equipment$384,633$3,632,950$4,017,583
Leasehold Improvements$1,344,248$1,092,811$2,437,059
Land$875,919-$875,919
Other Securities$26,024,506--
Compensation and Service Providers
Top Officer Pay98th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Audrey GallivanFormer President/CEOFT$344,865$900,048$1,244,913
Jim BellVP/information TechFT$117,153$15,867$133,020
John HowardPresident/CEOFT$120,192$3,919$124,111
John HimmelVP/cons Lending/collectionFT$105,012$16,294$121,306
Mark CampanaleVP/marketingFT$94,527$15,873$110,400
Lisa SparlingVP/human ResourcesFT$95,914$12,270$108,184
Brian McmahonComm. Bus. Devel. OfficerFT$99,010$3,432$102,442
Michael ValleyVP/treasurerFT$81,679$2,484$84,163
Brad EganVP/lendingFT$47,731-$47,731
Stephanie SousaDirector--$5,379$5,379
Brian MccormickDirector--$4,001$4,001
Bernard MullhollandDirector--$3,984$3,984
Raymond ArabaszDirector--$3,984$3,984
David ThomasDirector--$384$384
David LondonDirector--$61$61
Mary K BriandDirector--$48$48
Anne CreamerDirector--$44$44
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$11,469,055
Investment Income
$987,769
Other Revenue
$0
Change in Net Assets
$-285,100

Audited Revenue Reconciliation

Revenue per Audited Statements
$12,456,824
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$499
Total Revenue per Audited Statements
$12,457,323
Total Revenue per Form 990
$12,456,824
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$6,658,625
Salaries, Compensation, and Employee Benefits$6,083,299
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$2,996,288
Current Officers, Directors, Trustees, and Key Employees---$2,246,468
Interest---$1,848,231
Occupancy---$870,450
Depreciation Depletion---$418,300
Other Employee Benefits---$408,844
Payroll Taxes---$356,929
Advertising---$346,421
Fees for Services Other---$188,592
Fees for Services Accounting---$168,766
Office Expenses---$156,530
All Other Expenses---$148,892
Other Expenses---$146,000
Pension Plan Contributions---$74,770
Insurance---$56,379
Conferences and Meetings---$43,803
Travel---$34,710
Fees for Services Legal---$23,113
Total Functional Expenses$0$0$0$12,741,924

Audited Expense Reconciliation

Line ItemAmount
Total Expenses per Audited Statements$12,742,424
Expenses per Audited Statements$12,741,924
Total Expenses per Form 990$12,741,924
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
Insider Transactions and Loans

Interested-Person Transactions

Interested PartyRelationshipDescriptionShared RevenueAmount
Audrey GallivanBoard Member (and Former Ceo) of Credit Union-No-
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Members Deposits and Escrows$276,154,101
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
Yes
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 11

“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
2016-04-19
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
132
Volunteers
0

Preparer

Firm
Gerald T Reilly & Company
Address
424 ADAMS STREET, MILTON, MA 02186
Preparer
THOMAS O'CONNOR CPA
Phone
6176968900
Supplemental Narrative

Additional Explanations

FORM 990, PART XII, LINE 2C:

“Audited financial statements were prepared as of 12/31/15”

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 558 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/GrossAmountSalesAssetsGrp/SecuritiesAmt014524938
IRS990/GrossReceiptsAmt026919976
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd00
IRS990/IndependentAuditFinclStmtInd00
IRS990/IndependentVotingMemberCnt08
IRS990/IndivRcvdGreaterThan100KCnt04
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartXIIInd0X
IRS990/InsuranceGrp/TotalAmt056379
IRS990/InterestGrp/TotalAmt01848231
IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt0925983
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt0925983
IRS990/InvestmentInJointVentureInd01
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt058159982
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt064264051
IRS990/IRPDocumentCnt06365
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt07312203
IRS990/LandBldgEquipBasisNetGrp/BOYAmt06754359
IRS990/LandBldgEquipBasisNetGrp/EOYAmt06535583
IRS990/LandBldgEquipCostOrOtherBssAmt013847786
IRS990/LegalDomicileStateCd0MA
IRS990/LessCostOthBasisSalesExpnssGrp/SecuritiesAmt014463152
IRS990/LoanOutstandingInd00
IRS990/LocalChaptersInd01
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0STATE CHARTERED COMMUNITY CREDIT UNION SERVING APPROXIMATELY 30,000 MEMBERS OFFERING A WIDE VARIETY OF LOAN AND DEPOSIT PRODUCTS.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/MortgNotesPyblScrdInvstPropGrp/BOYAmt028274500
IRS990/MortgNotesPyblScrdInvstPropGrp/EOYAmt026172641
IRS990/NetAssetsOrFundBalancesBOYAmt035427699
IRS990/NetAssetsOrFundBalancesEOYAmt034926194
IRS990/NetGainOrLossInvestmentsGrp/RelatedOrExemptFuncIncomeAmt061786
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt061786
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NetUnrlzdGainsLossesInvstAmt0-216405
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt0870450
IRS990/OfficeExpensesGrp/TotalAmt0156530
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt02513279
IRS990/OtherAssetsTotalGrp/EOYAmt02913600
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0408844
IRS990/OtherExpensesGrp/Desc0DATA PROCESSING
IRS990/OtherExpensesGrp/Desc1OTHER
IRS990/OtherExpensesGrp/Desc2POSTAGE
IRS990/OtherExpensesGrp/Desc3PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/TotalAmt01565575
IRS990/OtherExpensesGrp/TotalAmt1473020
IRS990/OtherExpensesGrp/TotalAmt2169843
IRS990/OtherExpensesGrp/TotalAmt3146000
IRS990/OtherLiabilitiesGrp/BOYAmt0267551441
IRS990/OtherLiabilitiesGrp/EOYAmt0276154101
IRS990/OtherOrganizationDsc0CREDIT UNION
IRS990/OtherSalariesAndWagesGrp/TotalAmt02996288
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt0242233848
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0248447053
IRS990/PartialLiquidationInd00
IRS990/PayPremiumsPrsnlBnftCntrctInd00
IRS990/PayrollTaxesGrp/TotalAmt0356929
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt074770
IRS990/PoliciesReferenceChaptersInd01
IRS990/PoliticalCampaignActyInd00
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/Desc2GAINS ON SALE OF LOANS
IRS990/ProgramServiceRevenueGrp/Desc3OTHER INCOME
IRS990/ProgramServiceRevenueGrp/Desc4EQUITY IN INVEST IN OCTANT LLC
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt08874833
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt12122268
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt2356502
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt3100814
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt415137
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt08874833
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt12122268
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt2356502
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt3100814
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt415137
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt0842459
IRS990/PYOtherExpensesAmt06795769
IRS990/PYOtherRevenueAmt00
IRS990/PYProgramServiceRevenueAmt012099969
IRS990/PYRevenuesLessExpensesAmt0836216
IRS990/PYSalariesCompEmpBnftPaidAmt05310443
IRS990/PYTotalExpensesAmt012106212
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt012942428
IRS990/QuidProQuoContributionsInd00
IRS990/RcvFndsToPayPrsnlBnftCntrctInd00
IRS990/ReconcilationRevenueExpnssAmt0-285100
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd01
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd01
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt035427699
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt034926194
IRS990/SavingsAndTempCashInvstGrp/BOYAmt019746630
IRS990/SavingsAndTempCashInvstGrp/EOYAmt013366585
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt03930783
IRS990ScheduleD/BuildingsGrp/DepreciationAmt02586442
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt06517225
IRS990ScheduleD/EquipmentGrp/BookValueAmt0384633
IRS990ScheduleD/EquipmentGrp/DepreciationAmt03632950
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt04017583
IRS990ScheduleD/ExpensesNotReportedAmt0500
IRS990ScheduleD/ExpensesNotRptFinclStmtAmt00
IRS990ScheduleD/ExpensesSubtotalAmt012741924
IRS990ScheduleD/LandGrp/BookValueAmt0875919
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0875919
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt01344248
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt01092811
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt02437059
IRS990ScheduleD/OtherExpensesIncludedAmt0500
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0276154101
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBERS DEPOSITS AND ESCROWS
IRS990ScheduleD/OtherRevenueAmt0499
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt020000
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt11969300
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt22651454
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt3711636
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt43713
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt5103601
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt610028720
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt77569634
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt88309594
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt91038
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt106870855
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt1126024506
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/Desc9HELD TO MATURITY MORTGAGE BACKED SECURITIES
IRS990ScheduleD/OtherSecuritiesGrp/Desc10NEGOTIABLE CDS
IRS990ScheduleD/OtherSecuritiesGrp/Desc11SBAS
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/MethodValuationCd9C
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd10F
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd11F
IRS990ScheduleD/RevenueNotReportedAmt0499
IRS990ScheduleD/RevenueNotReportedFinclStmtAmt00
IRS990ScheduleD/RevenueSubtotalAmt012456824
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/TotalBookValueLandBuildingsAmt06535583
IRS990ScheduleD/TotalBookValueSecuritiesAmt064264051
IRS990ScheduleD/TotalExpensesPerForm990Amt012741924
IRS990ScheduleD/TotalLiabilityAmt0276154101
IRS990ScheduleD/TotalRevenuePerForm990Amt012456824
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt012457323
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt012742424
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/CompensationCommitteeInd0X

Document Assets

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Filings

Displayed year

2015 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$338,095,448
Liabilities
$303,169,254
Net assets
$34,926,194
Revenue
$12,456,824
Expenses
$12,741,924
Net income
-$285,100
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