Civic Intelligence

Bridgewater Credit Union

990 • Fiscal year 2016 • EIN 04-2030899

Jan 01, 2016 to Dec 31, 2016 • Filed on Apr 27, 2017

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

53rd percentile

0.90x

Higher debt load relative to assets than 53% of similar nonprofits.

2016 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2016

Liabilities / Revenue

91st percentile

24.88x

Higher debt load relative to revenue than 91% of similar nonprofits.

2016 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2016

Net Margin

11th percentile

4.0%

Higher net margin than 11% of similar nonprofits.

2016 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2016

Top Officer Pay

16th percentile

$268,055

Higher top officer pay than 16% of similar nonprofits.

Top officer pay equals 2.1% of source-year revenue.

2016 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2016

Asset Growth

14th percentile

2.4%

Faster asset growth than 14% of similar nonprofits.

2016 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2015 to 2016

Revenue Growth

9th percentile

0.4%

Faster revenue growth than 9% of similar nonprofits.

2016 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2015 to 2016

Balance Sheet
Liabilities / Assets53rd percentile

Assets

Up

$346,272,891

Up $8,177,443 (+2.4%) from 2015

Net Assets

Up

$35,241,109

Up $314,915 (+0.9%) from 2015

Liabilities

Up

$311,031,782

Up $7,862,528 (+2.6%) from 2015

Revenue And Expenses
Liabilities / Revenue91st percentileNet Margin11th percentile

Revenue

Up

$12,502,094

Up $45,270 (+0.4%) from 2015

Expenses

Down

$12,007,079

Down $734,845 (-5.8%) from 2015

Net Income

Up

$495,015

Up $780,115 (+274%) from 2015

Historical Trend

Balance Sheet Trend

Asset Growth14th 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

2016

Assets$346,272,891
Liabilities$311,031,782
Net Assets$35,241,109
Open 2016 Filing

Operations Trend

Revenue Growth9th 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

2016

Revenue$12,502,094
Expenses$12,007,079
Net Income$495,015
Open 2016 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2016 to Dec 31, 2016
Signed
Apr 27, 2017
Return Version
2016v3.0
Gross Receipts
$16,519,872
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$248,447,053$260,558,689▲ $12,111,636
Investments Other Securities$64,264,051$55,244,108▼ $9,019,943
Rtn Earn Endowment Incm Other Fnds$34,926,194$35,241,109▲ $314,915
Savings and Temporary Cash Investments$13,366,585$19,496,619▲ $6,130,034
Land, Buildings, and Equipment, Net$6,535,583$6,263,217▼ $272,366
Cash and Non-Interest-Bearing Accounts$2,568,576$1,541,924▼ $1,026,652
Prepaid Expenses and Deferred Charges$171,997$317,572▲ $145,575
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$338,095,448$346,272,891▲ $8,177,443
Other Assets Total$2,741,603$2,850,762▲ $109,159
Liabilities
Other Liabilities$276,154,101$276,856,417▲ $702,316
Mortgage Notes Payable Secured by Investment Property$26,172,641$32,820,880▲ $6,648,239
Accounts Payable and Accrued Expenses$842,512$1,354,485▲ $511,973
Total Liabilities$303,169,254$311,031,782▲ $7,862,528
Net Assets / Fund Balance
Total Net Assets Fund Balance$34,926,194$35,241,109▲ $314,915
Total Liabilities and Net Assets / Fund Balance$338,095,448$346,272,891▲ $8,177,443

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$3,758,532$2,758,693$6,517,225
Equipment$410,778$3,769,716$4,180,494
Leasehold Improvements$1,217,988$1,219,071$2,437,059
Land$875,919-$875,919
Other Securities$22,694,205--
Compensation and Service Providers
Top Officer Pay16th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
John HowardPresident/CEOFT$250,000$18,055$268,055
Brad EganVP/lendingFT$177,295$15,256$192,551
Michael ValleyVP/treasurerFT$132,422$7,848$140,270
Jim BellVP/information Tech (former)FT$120,630$4,951$125,581
John HimmelVP/cons Lending/collectionFT$107,558$17,064$124,622
Lisa SparlingVP/human Resources (former)FT$107,050$16,703$123,753
Mark CampanaleVP/branch AdminFT$104,739$11,825$116,564
Audrey GallivanDirector--$10,296$10,296
David LondonDirector--$4,440$4,440
Stephanie SousaDirector--$4,300$4,300
Bernard MullhollandDirector--$4,236$4,236
Raymond ArabaszDirector--$3,895$3,895
David ThomasDirector--$378$378
Mary K BriandDirector--$58$58
Anne CreamerDirector--$37$37
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$11,456,996
Investment Income
$1,045,098
Other Revenue
$0
Change in Net Assets
$495,015

Audited Revenue Reconciliation

Revenue per Audited Statements
$12,502,094
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$499
Total Revenue per Audited Statements
$12,502,593
Total Revenue per Form 990
$12,502,094
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$6,807,430
Salaries, Compensation, and Employee Benefits$5,199,649
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$3,278,758
Interest---$1,679,846
Current Officers, Directors, Trustees, and Key Employees---$1,119,036
Occupancy---$760,323
Depreciation Depletion---$435,276
Other Employee Benefits---$384,359
Payroll Taxes---$337,361
Fees for Services Other---$282,510
Fees for Services Accounting---$255,015
Advertising---$218,916
Other Expenses---$167,367
Office Expenses---$155,405
All Other Expenses---$95,349
Conferences and Meetings---$84,537
Pension Plan Contributions---$80,135
Insurance---$60,597
Travel---$53,507
Fees for Services Legal---$40,716
Total Functional Expenses$0$0$0$12,007,079

Audited Expense Reconciliation

Line ItemAmount
Total Expenses per Audited Statements$12,007,579
Expenses per Audited Statements$12,007,079
Total Expenses per Form 990$12,007,079
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$276,856,417
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
2017-04-27
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
112
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 12/31/16”

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 590 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/LessCostOthBasisSalesExpnssGrp/SecuritiesAmt04017778
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/BOYAmt026172641
IRS990/MortgNotesPyblScrdInvstPropGrp/EOYAmt032820880
IRS990/NetAssetsOrFundBalancesBOYAmt034926194
IRS990/NetAssetsOrFundBalancesEOYAmt035241109
IRS990/NetGainOrLossInvestmentsGrp/RelatedOrExemptFuncIncomeAmt04422
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt04422
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NetUnrlzdGainsLossesInvstAmt0-180100
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt0760323
IRS990/OfficeExpensesGrp/TotalAmt0155405
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt02741603
IRS990/OtherAssetsTotalGrp/EOYAmt02850762
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0384359
IRS990/OtherExpensesGrp/Desc0DATA PROCESSING
IRS990/OtherExpensesGrp/Desc1OTHER
IRS990/OtherExpensesGrp/Desc2PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/Desc3POSTAGE
IRS990/OtherExpensesGrp/TotalAmt01715717
IRS990/OtherExpensesGrp/TotalAmt1591118
IRS990/OtherExpensesGrp/TotalAmt2211231
IRS990/OtherExpensesGrp/TotalAmt3167367
IRS990/OtherLiabilitiesGrp/BOYAmt0276154101
IRS990/OtherLiabilitiesGrp/EOYAmt0276856417
IRS990/OtherOrganizationDsc0CREDIT UNION
IRS990/OtherSalariesAndWagesGrp/TotalAmt03278758
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt0248447053
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0260558689
IRS990/PartialLiquidationInd00
IRS990/PayPremiumsPrsnlBnftCntrctInd00
IRS990/PayrollTaxesGrp/TotalAmt0337361
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt080135
IRS990/PoliciesReferenceChaptersInd01
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0171997
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0317572
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/RelatedOrExemptFuncIncomeAmt08851563
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt12174047
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt2335260
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt374367
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt422258
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt08851563
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt12174047
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt2335260
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt374367
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt422258
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt0987769
IRS990/PYOtherExpensesAmt06658625
IRS990/PYOtherRevenueAmt00
IRS990/PYProgramServiceRevenueAmt011469055
IRS990/PYRevenuesLessExpensesAmt0-285100
IRS990/PYSalariesCompEmpBnftPaidAmt06083299
IRS990/PYTotalExpensesAmt012741924
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt012456824
IRS990/QuidProQuoContributionsInd00
IRS990/RcvFndsToPayPrsnlBnftCntrctInd00
IRS990/ReconcilationRevenueExpnssAmt0495015
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd01
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd01
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt034926194
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt035241109
IRS990/SavingsAndTempCashInvstGrp/BOYAmt013366585
IRS990/SavingsAndTempCashInvstGrp/EOYAmt019496619
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt03758532
IRS990ScheduleD/BuildingsGrp/DepreciationAmt02758693
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt06517225
IRS990ScheduleD/EquipmentGrp/BookValueAmt0410778
IRS990ScheduleD/EquipmentGrp/DepreciationAmt03769716
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt04180494
IRS990ScheduleD/ExpensesNotReportedAmt0500
IRS990ScheduleD/ExpensesNotRptFinclStmtAmt00
IRS990ScheduleD/ExpensesSubtotalAmt012007079
IRS990ScheduleD/LandGrp/BookValueAmt0875919
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0875919
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt01217988
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt01219071
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt02437059
IRS990ScheduleD/OtherExpensesIncludedAmt0500
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0276856417
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBERS DEPOSITS AND ESCROWS
IRS990ScheduleD/OtherRevenueAmt0499
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt020000
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt12239000
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt22632376
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt3711636
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt43214
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt5116859
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt612461221
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt710682297
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt83683300
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt922694205
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/Desc6COLLATERALIZED MORTGAGE OBLIGATIONS
IRS990ScheduleD/OtherSecuritiesGrp/Desc7MORTGAGE BACKED SECURITIES
IRS990ScheduleD/OtherSecuritiesGrp/Desc8NEGOTIABLE CDS
IRS990ScheduleD/OtherSecuritiesGrp/Desc9SMALL 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/RevenueNotReportedAmt0499
IRS990ScheduleD/RevenueNotReportedFinclStmtAmt00
IRS990ScheduleD/RevenueSubtotalAmt012502094
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/TotalBookValueLandBuildingsAmt06263217
IRS990ScheduleD/TotalBookValueSecuritiesAmt055244108
IRS990ScheduleD/TotalExpensesPerForm990Amt012007079
IRS990ScheduleD/TotalLiabilityAmt0276856417
IRS990ScheduleD/TotalRevenuePerForm990Amt012502094
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt012502593
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt012007579
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/CompensationCommitteeInd0X
IRS990ScheduleJ/CompensationSurveyInd0X
IRS990ScheduleJ/DiscretionarySpendingAcctInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd00
IRS990ScheduleJ/IdemnificationGrossUpPmtsInd0X
IRS990/ScheduleJRequiredInd01
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0177295
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt1250000
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt2120630
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt3107050
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount20
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount30
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt20
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt30
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt00

Document Assets

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Filings

Displayed year

2016 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$346,272,891
Liabilities
$311,031,782
Net assets
$35,241,109
Revenue
$12,502,094
Expenses
$12,007,079
Net income
$495,015
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