Civic Intelligence

Bank Compliance Association Of

EIN 06-1257568 • 501(c)6 • Farmington, CT

Profile

EDUCATION

10 Waterside Drive 300Farmington, CT 06032

www.bcac-ct.org

Siviq Scores

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

Liabilities / Assets

49th percentile

0.00x

Tied with the lowest-debt nonprofits in its peer group.

501(c)6 • <$500k nonprofits • Source year 2024

Liabilities / Revenue

50th percentile

0.00x

Tied with the lowest-debt nonprofits in its peer group.

501(c)6 • <$500k nonprofits • Source year 2024

Net Margin

34th percentile

-8.0%

Higher net margin than 34% of similar nonprofits.

501(c)6 • <$500k nonprofits • Source year 2024

Top Officer Pay

80th percentile

$0

Higher top officer pay than 80% of similar nonprofits.

Top officer pay equals 0.0% of source-year revenue.

501(c)6 • <$500k nonprofits • Source year 2024

Asset Growth

44th percentile

-4.1%

Faster asset growth than 44% of similar nonprofits.

501(c)6 • <$500k nonprofits • Annualized from 2023 to 2024

Revenue Growth

32nd percentile

-10%

Faster revenue growth than 32% of similar nonprofits.

501(c)6 • <$500k nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets49th percentile

Assets

Down

$78,018

Down $3,361 (-4.1%) from 2023

Liabilities

Flat

$0

Flat from 2023

Net Assets

Down

$78,018

Down $3,361 (-4.1%) from 2023

Operations
Liabilities / Revenue50th percentileNet Margin34th percentile

Revenue

Down

$41,846

Down $4,732 (-10%) from 2023

Expenses

Up

$45,207

Up $1,896 (+4.4%) from 2023

Net Income

Down

-$3,361

Down $6,628 (-203%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth44th percentile

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

$100K$50K$0Assets 2011: $42,736Liabilities 2011: $0Net Assets 2011: $42,7362011Assets 2012: $47,109Liabilities 2012: $02012Assets 2013: $29,207Liabilities 2013: $02013Assets 2014: $27,779Liabilities 2014: $0Net Assets 2014: $27,7792014Assets 2015: $45,584Liabilities 2015: $0Net Assets 2015: $45,5842015Assets 2016: $54,275Liabilities 2016: $0Net Assets 2016: $54,2752016Assets 2017: $65,526Liabilities 2017: $0Net Assets 2017: $65,5262017Assets 2018: $47,578Liabilities 2018: $0Net Assets 2018: $47,5782018Assets 2019: $43,446Liabilities 2019: $0Net Assets 2019: $43,4462019Assets 2020: $55,405Liabilities 2020: $0Net Assets 2020: $55,4052020Assets 2021: $64,409Liabilities 2021: $0Net Assets 2021: $64,4092021Assets 2022: $78,112Liabilities 2022: $0Net Assets 2022: $78,1122022Assets 2023: $81,379Liabilities 2023: $0Net Assets 2023: $81,3792023Assets 2024: $78,018Liabilities 2024: $0Net Assets 2024: $78,0182024

Highlighted filing

2024

Assets$78,018
Liabilities$0
Net Assets$78,018
Open 2024 Filing

Operations Trend

Revenue Growth32nd percentile

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

$100K$50K$0-$50KRevenue 2011: $40,978Expenses 2011: $33,719Net Income 2011: $7,2592011Revenue 2012: $40,548Expenses 2012: $36,175Net Income 2012: $4,3732012Revenue 2013: $37,093Expenses 2013: $54,995Net Income 2013: -$17,9022013Revenue 2014: $41,928Expenses 2014: $43,356Net Income 2014: -$1,4282014Revenue 2015: $58,901Expenses 2015: $41,096Net Income 2015: $17,8052015Revenue 2016: $64,337Expenses 2016: $55,646Net Income 2016: $8,6912016Revenue 2017: $57,762Expenses 2017: $46,511Net Income 2017: $11,2512017Revenue 2018: $63,165Expenses 2018: $81,113Net Income 2018: -$17,9482018Revenue 2019: $40,192Expenses 2019: $44,324Net Income 2019: -$4,1322019Revenue 2020: $25,970Expenses 2020: $14,011Net Income 2020: $11,9592020Revenue 2021: $19,357Expenses 2021: $10,353Net Income 2021: $9,0042021Revenue 2022: $36,126Expenses 2022: $22,423Net Income 2022: $13,7032022Revenue 2023: $46,578Expenses 2023: $43,311Net Income 2023: $3,2672023Revenue 2024: $41,846Expenses 2024: $45,207Net Income 2024: -$3,3612024

Highlighted filing

2024

Revenue$41,846
Expenses$45,207
Net Income-$3,361
Open 2024 Filing

Filings

Most recent year

2024 • Form 990EZDetailed filing. Detailed filing data is available for this year.

Open filing
Assets
$78,018
Liabilities
$0
Net assets
$78,018
Revenue
$41,846
Expenses
$45,207
Net income
-$3,361
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$78.0$0.00$78.0$41.8$45.2$3.36
2023Detailed filing. Detailed filing data is available for this year.$81.4$0.00$81.4$46.6$43.3$3.27
2022Detailed filing. Detailed filing data is available for this year.$78.1$0.00$78.1$36.1$22.4$13.7
2021Detailed filing. Detailed filing data is available for this year.$64.4$0.00$64.4$19.4$10.4$9.00
2020Detailed filing. Detailed filing data is available for this year.$55.4$0.00$55.4$26.0$14.0$12.0
2019Detailed filing. Detailed filing data is available for this year.$43.4$0.00$43.4$40.2$44.3$4.13
2018Detailed filing. Detailed filing data is available for this year.$47.6$0.00$47.6$63.2$81.1$17.9
2017Detailed filing. Detailed filing data is available for this year.$65.5$0.00$65.5$57.8$46.5$11.3
2016Detailed filing. Detailed filing data is available for this year.$54.3$0.00$54.3$64.3$55.6$8.69
2015Detailed filing. Detailed filing data is available for this year.$45.6$0.00$45.6$58.9$41.1$17.8
2014Detailed filing. Detailed filing data is available for this year.$27.8$0.00$27.8$41.9$43.4$1.43
2013Summary only. Only limited summary data is available for this year.$29.2$0.00$37.1$55.0$17.9
2012Summary only. Only limited summary data is available for this year.$47.1$0.00$40.5$36.2$4.37
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$42.7$0.00$42.7$41.0$33.7$7.26
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Apr 29, 2025
Return Version
2024v5.1
Gross Receipts
$41,846
Mission and Program Overview

Mission

EDUCATION

To provide high quality affordable compliance education to financial institutions in connecticut and beyond.

Program Services

DescriptionGrantsExpenses
HELD EIGHT EDUCATIONAL PROGRAMS WITH ATTENDANCE AVERAGING APPROXIMATELY 38 ATTENDEES.$0$0
Compensation and Service Providers
Top Officer Pay80th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
CHERI L BILODEAU-BARTONPresidentPT$0--
DAVID A LAROCQUEFirst VP/VP, Member Experience-$0--
MARIA CUSANOTreasurer-$0--
THECLA KIRBYVP, Membership-$0--
SARA LUNDYVP, Marketing & Technology-$0--
MONICA BUCKLEYAvp, Education-$0--
BERNADETTE CARVERAvp, Education-$0--
THOMAS PINKOWISHAvp, Education-$0--
JASON ROSSAvp, Education-$0--
Filing and Contact Details

Filer

Filer Name
Bank Compliance Association of
EIN
06-1257568
Phone
5088479426
Address
10 WATERSIDE DRIVE 300, FARMINGTON, CT 06032

Signing Officer

Name
David a Larocque
Title
President
Phone
5088479426
Signed
2025-04-29
Discuss with paid preparer
No

Preparer

Firm
SEWARD AND MONDE CPA'S
Address
296 STATE STREET, NORTH HAVEN, CT 06473-2165
Preparer
Athanasios Partalas
Phone
2032489341
Supplemental Narrative

Additional Explanations

Form 990-ez, Part I, Line 4 - Other Investment Income

“Description: interest income. Amount: 2,301.”

Form 990-ez, Part I, Line 16 - Other Expenses

“Description: conference and food. Amount: 28,756. Description: zoom subscription. Amount: 170. Description: insurance. Amount: 1,953. Description: contributions/gifts. Amount: 1,147. Description: aba ce fees. Amount: 550. Description: pay pal fees. Amount: 1,701. Description: constant contact fee. Amount: 464. Description: state filings. Amount: 70. Description: ccba membership. Amount: 1,070. Description: google g suite. Amount: 1,051. Description: speaker fees. Amount: 6,932. Total to form 990-ez, line 16: 43,864.”

Raw XML Appendix142 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.

Path#Value
IRS990EZ/ActivitiesNotPreviouslyRptInd00
IRS990EZ/BooksInCareOfDetail/PersonNm0MARIA CUSANO
IRS990EZ/BooksInCareOfDetail/PhoneNum02034307619
IRS990EZ/BooksInCareOfDetail/USAddress/AddressLine1Txt010 WATERSIDE DRIVE 300
IRS990EZ/BooksInCareOfDetail/USAddress/CityNm0FARMINGTON
IRS990EZ/BooksInCareOfDetail/USAddress/StateAbbreviationCd0CT
IRS990EZ/BooksInCareOfDetail/USAddress/ZIPCd006032
IRS990EZ/CashSavingsAndInvestmentsGrp/BOYAmt081379
IRS990EZ/CashSavingsAndInvestmentsGrp/EOYAmt078018
IRS990EZ/ChgMadeToOrgnzngDocNotRptInd00
IRS990EZ/DirectIndirectPltclExpendAmt00
IRS990EZ/DonorAdvisedFndsInd00
IRS990EZ/ExcessOrDeficitForYearAmt0-3361
IRS990EZ/FeesAndOtherPymtToIndCntrctAmt01300
IRS990EZ/ForeignFinancialAccountInd00
IRS990EZ/ForeignOfficeInd00
IRS990EZ/Form990TotalAssetsGrp/BOYAmt081379
IRS990EZ/Form990TotalAssetsGrp/EOYAmt078018
IRS990EZ/GrossReceiptsAmt041846
IRS990EZ/InfoInScheduleOPartIIIInd0X
IRS990EZ/InfoInScheduleOPartIInd0X
IRS990EZ/InfoInScheduleOPartVInd0X
IRS990EZ/InvestmentIncomeAmt02301
IRS990EZ/MadeLoansToFromOfficersInd00
IRS990EZ/MembershipDuesAmt06370
IRS990EZ/MethodOfAccountingCashInd0X
IRS990EZ/NetAssetsOrFundBalancesBOYAmt081379
IRS990EZ/NetAssetsOrFundBalancesEOYAmt078018
IRS990EZ/NetAssetsOrFundBalancesGrp/BOYAmt081379
IRS990EZ/NetAssetsOrFundBalancesGrp/EOYAmt078018
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt06.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt11.50
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt22.50
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt31.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt40.25
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt50.50
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt60.50
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt71.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt80.50
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt10
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt20
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt30
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt40
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt50
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt60
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt70
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt80
IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt10
IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt20
IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt30
IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt40
IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt50
IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt60
IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt70
IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt80
IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt10
IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt20
IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt30
IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt40
IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt50
IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt60
IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt70
IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt80
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm0CHERI L BILODEAU-BARTON
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm1DAVID A LAROCQUE
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm2MARIA CUSANO
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm3THECLA KIRBY
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm4SARA LUNDY
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm5MONICA BUCKLEY
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm6BERNADETTE CARVER
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm7THOMAS PINKOWISH
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm8JASON ROSS
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt0PRESIDENT
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt1FIRST VP/VP, MEMBER EXPERIENCE
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt2TREASURER
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt3VP, MEMBERSHIP
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt4VP, MARKETING & TECHNOLOGY
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt5AVP, EDUCATION
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt6AVP, EDUCATION
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt7AVP, EDUCATION
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt8AVP, EDUCATION
IRS990EZ/OperateHospitalInd00
IRS990EZ/Organization501cInd0X
IRS990EZ/OrganizationDissolvedEtcInd00
IRS990EZ/OrganizationHadUBIInd00
IRS990EZ/OtherChangesInNetAssetsAmt00
IRS990EZ/OtherExpensesTotalAmt043864
IRS990EZ/PoliticalCampaignActyInd00
IRS990EZ/PrimaryExemptPurposeTxt0TO PROVIDE HIGH QUALITY AFFORDABLE COMPLIANCE EDUCATION TO FINANCIAL INSTITUTIONS IN CONNECTICUT AND BEYOND.
IRS990EZ/PrintingPublicationsPostageAmt043
IRS990EZ/ProgramServiceRevenueAmt033175
IRS990EZ/ProgramSrvcAccomplishmentGrp/DescriptionProgramSrvcAccomTxt0HELD EIGHT EDUCATIONAL PROGRAMS WITH ATTENDANCE AVERAGING APPROXIMATELY 38 ATTENDEES.
IRS990EZ/ProgramSrvcAccomplishmentGrp/GrantsAndAllocationsAmt00
IRS990EZ/ProgramSrvcAccomplishmentGrp/ProgramServiceExpensesAmt00
IRS990EZ/ProhibitedTaxShelterTransInd00
IRS990EZ/RelatedOrganizationCtrlEntInd00
IRS990EZ/ScheduleBNotRequiredInd0X
IRS990EZ/SubjectToProxyTaxInd00
IRS990EZ/SumOfTotalLiabilitiesGrp/BOYAmt00
IRS990EZ/SumOfTotalLiabilitiesGrp/EOYAmt00
IRS990EZ/TanningServicesProvidedInd00
IRS990EZ/TotalExpensesAmt045207
IRS990EZ/TotalRevenueAmt041846
IRS990EZ/TypeOfOrganizationCorpInd0X
IRS990EZ/WebsiteAddressTxt0WWW.BCAC-CT.ORG
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0DESCRIPTION: INTEREST INCOME. AMOUNT: 2,301.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1DESCRIPTION: CONFERENCE AND FOOD. AMOUNT: 28,756. DESCRIPTION: ZOOM SUBSCRIPTION. AMOUNT: 170. DESCRIPTION: INSURANCE. AMOUNT: 1,953. DESCRIPTION: CONTRIBUTIONS/GIFTS. AMOUNT: 1,147. DESCRIPTION: ABA CE FEES. AMOUNT: 550. DESCRIPTION: PAY PAL FEES. AMOUNT: 1,701. DESCRIPTION: CONSTANT CONTACT FEE. AMOUNT: 464. DESCRIPTION: STATE FILINGS. AMOUNT: 70. DESCRIPTION: CCBA MEMBERSHIP. AMOUNT: 1,070. DESCRIPTION: GOOGLE G SUITE. AMOUNT: 1,051. DESCRIPTION: SPEAKER FEES. AMOUNT: 6,932. TOTAL TO FORM 990-EZ, LINE 16: 43,864.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990-EZ, PART I, LINE 4 - OTHER INVESTMENT INCOME
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990-EZ, PART I, LINE 16 - OTHER EXPENSES
TransferPrsnlBnftContractsDecl/DeclarationDesc0THE ORGANIZATION DID NOT, DURING THE YEAR, RECEIVE ANY FUNDS, DIRECTLY,OR INDIRECTLY, TO PAY PREMIUMS ON A PERSONAL BENEFIT CONTRACT.THE ORGANIZATION, DID NOT, DURING THE YEAR, PAY ANY PREMIUMS, DIRECTLY,OR INDIRECTLY, ON A PERSONAL BENEFIT CONTRACT.
ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd00
ReturnHeader/BusinessOfficerGrp/PersonNm0DAVID A LAROCQUE
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT
ReturnHeader/BusinessOfficerGrp/PhoneNum05088479426
ReturnHeader/BusinessOfficerGrp/SignatureDt02025-04-29
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0BANK COMPLIANCE ASSOCIATION OF
ReturnHeader/Filer/BusinessName/BusinessNameLine2Txt0CONNECTICUT INC
ReturnHeader/Filer/BusinessNameControlTxt0BANK
ReturnHeader/Filer/EIN0061257568
ReturnHeader/Filer/PhoneNum05088479426
ReturnHeader/Filer/USAddress/AddressLine1Txt010 WATERSIDE DRIVE 300
ReturnHeader/Filer/USAddress/CityNm0FARMINGTON
ReturnHeader/Filer/USAddress/StateAbbreviationCd0CT
ReturnHeader/Filer/USAddress/ZIPCd006032
ReturnHeader/IRSResponsiblePrtyInfoCurrInd01
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0060530830
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0SEWARD AND MONDE CPA'S
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt0296 STATE STREET
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0NORTH HAVEN
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0CT
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd0064732165
ReturnHeader/PreparerPersonGrp/PhoneNum02032489341
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0ATHANASIOS PARTALAS
ReturnHeader/ReturnTs02025-04-30T07:56:21-05:00
ReturnHeader/ReturnTypeCd0990EZ
ReturnHeader/TaxPeriodBeginDt02024-01-01
ReturnHeader/TaxPeriodEndDt02024-12-31
ReturnHeader/TaxYr02024

Document Assets

No mirrored PDF or thumbnail assets are attached yet.