Civic Intelligence

Bridgewater Credit Union

990 • Fiscal year 2017 • EIN 04-2030899

Jan 01, 2017 to Dec 31, 2017 • Filed on Mar 21, 2018

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

63rd percentile

0.90x

Higher debt load relative to assets than 63% of similar nonprofits.

2017 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2017

Liabilities / Revenue

93rd percentile

25.03x

Higher debt load relative to revenue than 93% of similar nonprofits.

2017 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2017

Net Margin

6th percentile

2.6%

Higher net margin than 6% of similar nonprofits.

2017 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2017

Top Officer Pay

17th percentile

$279,609

Higher top officer pay than 17% of similar nonprofits.

Top officer pay equals 2.2% of source-year revenue.

2017 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2017

Asset Growth

30th percentile

3.1%

Faster asset growth than 30% of similar nonprofits.

2017 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2016 to 2017

Revenue Growth

15th percentile

2.8%

Faster revenue growth than 15% of similar nonprofits.

2017 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2016 to 2017

Balance Sheet
Liabilities / Assets63rd percentile

Assets

Up

$356,962,189

Up $10,689,298 (+3.1%) from 2016

Net Assets

Up

$35,253,667

Up $12,558 (+0.0%) from 2016

Liabilities

Up

$321,708,522

Up $10,676,740 (+3.4%) from 2016

Revenue And Expenses
Liabilities / Revenue93rd percentileNet Margin6th percentile

Revenue

Up

$12,855,109

Up $353,015 (+2.8%) from 2016

Expenses

Up

$12,520,021

Up $512,942 (+4.3%) from 2016

Net Income

Down

$335,088

Down $159,927 (-32%) from 2016

Historical Trend

Balance Sheet Trend

Asset Growth30th 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

2017

Assets$356,962,189
Liabilities$321,708,522
Net Assets$35,253,667
Open 2017 Filing

Operations Trend

Revenue Growth15th 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

2017

Revenue$12,855,109
Expenses$12,520,021
Net Income$335,088
Open 2017 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2017 to Dec 31, 2017
Signed
Mar 21, 2018
Return Version
2017v2.2
Gross Receipts
$18,198,006
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$260,558,689$253,635,692▼ $6,922,997
Investments Other Securities$55,244,108$77,767,426▲ $22,523,318
Rtn Earn Endowment Incm Other Fnds$35,241,109$35,253,667▲ $12,558
Savings and Temporary Cash Investments$19,496,619$15,036,022▼ $4,460,597
Land, Buildings, and Equipment, Net$6,263,217$6,018,249▼ $244,968
Cash and Non-Interest-Bearing Accounts$1,541,924$1,493,731▼ $48,193
Prepaid Expenses and Deferred Charges$317,572$269,150▼ $48,422
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$346,272,891$356,962,189▲ $10,689,298
Other Assets Total$2,850,762$2,741,919▼ $108,843
Liabilities
Other Liabilities$276,856,417$288,213,354▲ $11,356,937
Mortgage Notes Payable Secured by Investment Property$32,820,880$32,078,674▼ $742,206
Accounts Payable and Accrued Expenses$1,354,485$1,416,494▲ $62,009
Total Liabilities$311,031,782$321,708,522▲ $10,676,740
Net Assets / Fund Balance
Total Net Assets Fund Balance$35,241,109$35,253,667▲ $12,558
Total Liabilities and Net Assets / Fund Balance$346,272,891$356,962,189▲ $10,689,298

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$3,586,942$2,930,283$6,517,225
Equipment$584,306$3,924,224$4,508,530
Leasehold Improvements$971,082$870,384$1,841,466
Land$875,919-$875,919
Other Securities$20,256,773--
Compensation and Service Providers
Top Officer Pay17th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
John HowardPresident/CEOFT$258,397$21,212$279,609
Brad EganSVP/chief Lending OfficerFT$181,040$19,761$200,801
Michael ValleySVP/CFO & TreasurerFT$165,446$10,219$175,665
Dante DimassaDirector of Residential LendingFT$141,350$8,200$149,550
John HimmelVP/cons Lending/collectionFT$110,841$17,504$128,345
Robert CabralVP/retail BankingFT$121,240$4,726$125,966
Sean BessetteVP/tech & OpsFT$106,077$12,583$118,660
Bruce NewtonVP/member ServicesFT$102,674$277$102,951
Audrey GallivanDirector--$10,984$10,984
Stephanie SousaDirector--$4,554$4,554
Bernard MullhollandDirector--$4,498$4,498
Raymond ArabaszDirector--$4,155$4,155
David LondonDirector--$2,776$2,776
David ThomasDirector--$366$366
Mary K BriandDirector--$50$50
Anne CreamerDirector--$32$32
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$11,496,325
Investment Income
$1,358,784
Other Revenue
$0
Change in Net Assets
$335,088

Audited Revenue Reconciliation

Revenue per Audited Statements
$12,855,109
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$499
Total Revenue per Audited Statements
$12,855,608
Total Revenue per Form 990
$12,855,109
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$7,618,987
Salaries, Compensation, and Employee Benefits$4,901,034
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$2,760,480
Interest---$1,783,099
Current Officers, Directors, Trustees, and Key Employees---$1,308,961
Occupancy---$1,012,180
Depreciation Depletion---$609,894
Other Employee Benefits---$430,187
Payroll Taxes---$337,552
Fees for Services Other---$266,385
Advertising---$214,429
Fees for Services Accounting---$202,306
Office Expenses---$197,685
Other Expenses---$178,711
All Other Expenses---$99,401
Conferences and Meetings---$91,662
Insurance---$76,445
Pension Plan Contributions---$63,854
Fees for Services Legal---$57,711
Travel---$50,513
Total Functional Expenses$0$0$0$12,520,021

Audited Expense Reconciliation

Line ItemAmount
Total Expenses per Audited Statements$12,520,521
Expenses per Audited Statements$12,520,021
Total Expenses per Form 990$12,520,021
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$288,213,354
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
2018-03-21
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
106
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 12/31/17”

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 584 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/InvestmentInJointVentureInd01
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt055244108
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt077767426
IRS990/IRPDocumentCnt06320
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt07724891
IRS990/LandBldgEquipBasisNetGrp/BOYAmt06263217
IRS990/LandBldgEquipBasisNetGrp/EOYAmt06018249
IRS990/LandBldgEquipCostOrOtherBssAmt013743140
IRS990/LegalDomicileStateCd0MA
IRS990/LessCostOthBasisSalesExpnssGrp/SecuritiesAmt05342897
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/BOYAmt032820880
IRS990/MortgNotesPyblScrdInvstPropGrp/EOYAmt032078674
IRS990/NetAssetsOrFundBalancesBOYAmt035241109
IRS990/NetAssetsOrFundBalancesEOYAmt035253667
IRS990/NetGainOrLossInvestmentsGrp/RelatedOrExemptFuncIncomeAmt075664
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt075664
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NetUnrlzdGainsLossesInvstAmt0-322530
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt01012180
IRS990/OfficeExpensesGrp/TotalAmt0197685
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt02850762
IRS990/OtherAssetsTotalGrp/EOYAmt02741919
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0430187
IRS990/OtherExpensesGrp/Desc0DATA PROCESSING
IRS990/OtherExpensesGrp/Desc1OTHER
IRS990/OtherExpensesGrp/Desc2PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/Desc3POSTAGE
IRS990/OtherExpensesGrp/TotalAmt01943596
IRS990/OtherExpensesGrp/TotalAmt1574320
IRS990/OtherExpensesGrp/TotalAmt2260650
IRS990/OtherExpensesGrp/TotalAmt3178711
IRS990/OtherLiabilitiesGrp/BOYAmt0276856417
IRS990/OtherLiabilitiesGrp/EOYAmt0288213354
IRS990/OtherOrganizationDsc0CREDIT UNION
IRS990/OtherSalariesAndWagesGrp/TotalAmt02760480
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt0260558689
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0253635692
IRS990/PartialLiquidationInd00
IRS990/PayPremiumsPrsnlBnftCntrctInd00
IRS990/PayrollTaxesGrp/TotalAmt0337552
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt063854
IRS990/PoliciesReferenceChaptersInd01
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0317572
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0269150
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/RelatedOrExemptFuncIncomeAmt08891643
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt12315155
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt2226301
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt345725
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt418000
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt08891643
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt12315155
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt2226301
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt345725
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt418000
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt01045098
IRS990/PYOtherExpensesAmt06807430
IRS990/PYOtherRevenueAmt00
IRS990/PYProgramServiceRevenueAmt011456996
IRS990/PYRevenuesLessExpensesAmt0495015
IRS990/PYSalariesCompEmpBnftPaidAmt05199649
IRS990/PYTotalExpensesAmt012007079
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt012502094
IRS990/QuidProQuoContributionsInd00
IRS990/RcvFndsToPayPrsnlBnftCntrctInd00
IRS990/ReconcilationRevenueExpnssAmt0335088
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd01
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd01
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt035241109
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt035253667
IRS990/SavingsAndTempCashInvstGrp/BOYAmt019496619
IRS990/SavingsAndTempCashInvstGrp/EOYAmt015036022
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt03586942
IRS990ScheduleD/BuildingsGrp/DepreciationAmt02930283
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt06517225
IRS990ScheduleD/EquipmentGrp/BookValueAmt0584306
IRS990ScheduleD/EquipmentGrp/DepreciationAmt03924224
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt04508530
IRS990ScheduleD/ExpensesNotReportedAmt0500
IRS990ScheduleD/ExpensesNotRptFinclStmtAmt00
IRS990ScheduleD/ExpensesSubtotalAmt012520021
IRS990ScheduleD/LandGrp/BookValueAmt0875919
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0875919
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt0971082
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt0870384
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt01841466
IRS990ScheduleD/OtherExpensesIncludedAmt0500
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0288213354
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBERS DEPOSITS AND ESCROWS
IRS990ScheduleD/OtherRevenueAmt0499
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt020000
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt12010800
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt22794114
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt3711636
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt42715
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt5125859
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt64611075
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt725288225
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt818532364
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt93413865
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt1020256773
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/RevenueSubtotalAmt012855109
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/TotalBookValueLandBuildingsAmt06018249
IRS990ScheduleD/TotalBookValueSecuritiesAmt077767426
IRS990ScheduleD/TotalExpensesPerForm990Amt012520021
IRS990ScheduleD/TotalLiabilityAmt0288213354
IRS990ScheduleD/TotalRevenuePerForm990Amt012855109
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt012855608
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt012520521
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/CompensationCommitteeInd0X
IRS990ScheduleJ/CompensationSurveyInd0X
IRS990ScheduleJ/DiscretionarySpendingAcctInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd00
IRS990ScheduleJ/IdemnificationGrossUpPmtsInd0X
IRS990/ScheduleJRequiredInd01
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0181040
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt1165446
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt2258397

Document Assets

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Filings

Displayed year

2017 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$356,962,189
Liabilities
$321,708,522
Net assets
$35,253,667
Revenue
$12,855,109
Expenses
$12,520,021
Net income
$335,088
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