Civic Intelligence

Bcbst Employees Credit Union

990 • Fiscal year 2015 • EIN 23-7152587

Jan 01, 2015 to Dec 31, 2015 • Filed on Apr 05, 2016

Organization ProfileWWW.BCBSTECU.COM
1 Cameron Hill CircleChattanooga, TN 37402

(423) 535-5736

Siviq Scores

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

Liabilities / Assets

24th percentile

0.81x

Higher debt load relative to assets than 24% of similar nonprofits.

2015 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2015

Liabilities / Revenue

24th percentile

14.95x

Higher debt load relative to revenue than 24% of similar nonprofits.

2015 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2015

Net Margin

86th percentile

17%

Higher net margin than 86% of similar nonprofits.

2015 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2015

Top Officer Pay

30th percentile

$58,892

Higher top officer pay than 30% of similar nonprofits.

Top officer pay equals 10.8% of source-year revenue.

2015 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2015

Asset Growth

22nd percentile

-0.8%

Faster asset growth than 22% of similar nonprofits.

2015 filings • 501(c)14 • $10M-$25M nonprofits • Annualized from 2014 to 2015

Revenue Growth

94th percentile

15%

Faster revenue growth than 94% of similar nonprofits.

2015 filings • 501(c)14 • $10M-$25M nonprofits • Annualized from 2014 to 2015

Balance Sheet
Liabilities / Assets24th percentile

Assets

Down

$10,137,894

Down $84,969 (-0.8%) from 2014

Net Assets

Up

$1,949,230

Up $94,662 (+5.1%) from 2014

Liabilities

Down

$8,188,664

Down $179,631 (-2.1%) from 2014

Revenue And Expenses
Liabilities / Revenue24th percentileNet Margin86th percentile

Revenue

Up

$547,678

Up $70,117 (+15%) from 2014

Expenses

Down

$453,017

Down $3,619 (-0.8%) from 2014

Net Income

Up

$94,661

Up $73,736 (+352%) from 2014

Historical Trend

Balance Sheet Trend

Asset Growth22nd percentile

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

$15M$10M$5.0M$0Assets 2010: $9,345,275Liabilities 2010: $7,610,616Net Assets 2010: $1,734,6592010Assets 2011: $8,907,271Liabilities 2011: $7,177,166Net Assets 2011: $1,730,1052011Assets 2012: $8,913,256Liabilities 2012: $7,117,541Net Assets 2012: $1,795,7152012Assets 2013: $9,054,229Liabilities 2013: $7,220,586Net Assets 2013: $1,833,6432013Assets 2014: $10,222,863Liabilities 2014: $8,368,295Net Assets 2014: $1,854,5682014Assets 2015: $10,137,894Liabilities 2015: $8,188,664Net Assets 2015: $1,949,2302015Assets 2016: $10,183,800Liabilities 2016: $8,203,748Net Assets 2016: $1,980,0522016Assets 2017: $10,072,967Liabilities 2017: $8,080,685Net Assets 2017: $1,992,2822017Assets 2018: $10,178,576Liabilities 2018: $8,126,886Net Assets 2018: $2,051,6902018Assets 2019: $10,668,726Liabilities 2019: $8,551,165Net Assets 2019: $2,117,5612019Assets 2020: $13,716,818Liabilities 2020: $11,652,390Net Assets 2020: $2,064,4282020Assets 2021: $13,221,153Liabilities 2021: $11,238,802Net Assets 2021: $1,982,3512021Assets 2022: $13,091,639Liabilities 2022: $11,150,592Net Assets 2022: $1,941,0472022Assets 2023: $11,431,067Liabilities 2023: $9,482,023Net Assets 2023: $1,949,0442023Assets 2024: $10,506,754Liabilities 2024: $8,455,666Net Assets 2024: $2,051,0882024Assets 2025: $10,302,219Liabilities 2025: $8,168,268Net Assets 2025: $2,133,9512025

Highlighted filing

2015

Assets$10,137,894
Liabilities$8,188,664
Net Assets$1,949,230
Open 2015 Filing

Operations Trend

Revenue Growth94th percentile

Revenue, expenses, and net income across loaded years, with this filing highlighted.

$600K$400K$200K$0-$200KExpenses 2010: $430,1872010Expenses 2011: $407,4382011Expenses 2012: $416,6792012Revenue 2013: $466,731Expenses 2013: $428,803Net Income 2013: $37,9282013Revenue 2014: $477,561Expenses 2014: $456,636Net Income 2014: $20,9252014Revenue 2015: $547,678Expenses 2015: $453,017Net Income 2015: $94,6612015Revenue 2016: $515,979Expenses 2016: $480,734Net Income 2016: $35,2452016Revenue 2017: $495,020Expenses 2017: $487,212Net Income 2017: $7,8082017Revenue 2018: $541,092Expenses 2018: $481,683Net Income 2018: $59,4092018Revenue 2019: $563,054Expenses 2019: $497,184Net Income 2019: $65,8702019Revenue 2020: $438,710Expenses 2020: $491,841Net Income 2020: -$53,1312020Revenue 2021: $347,574Expenses 2021: $429,651Net Income 2021: -$82,0772021Revenue 2022: $370,818Expenses 2022: $412,120Net Income 2022: -$41,3022022Revenue 2023: $487,087Expenses 2023: $479,087Net Income 2023: $8,0002023Revenue 2024: $520,394Expenses 2024: $418,351Net Income 2024: $102,0432024Revenue 2025: $526,010Expenses 2025: $443,147Net Income 2025: $82,8632025

Highlighted filing

2015

Revenue$547,678
Expenses$453,017
Net Income$94,661
Open 2015 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2015 to Dec 31, 2015
Signed
Apr 5, 2016
Return Version
2015v2.1
Gross Receipts
$547,678
Mission and Program Overview

Mission

Credit union - to provide services for approximately 1,736 members in the form of loans, savings, and other financial services.

Credit union - to provide financial services for its members.

Balance Sheet Detail
LineBeginningEndChange
Assets
Accounts Receivable$4,153,918$4,295,890▲ $141,972
Savings and Temporary Cash Investments$1,636,000$2,728,000▲ $1,092,000
Investments Other Securities$2,003,578$1,755,578▼ $248,000
Rtn Earn Endowment Incm Other Fnds$1,684,171$1,731,332▲ $47,161
Cash and Non-Interest-Bearing Accounts$2,234,075$1,248,604▼ $985,471
Cap Stk Tr Prin Current Funds$170,397$217,898▲ $47,501
Prepaid Expenses and Deferred Charges$123,444$13,659▼ $109,785
Total Assets$10,222,863$10,137,894▼ $84,969
Other Assets Total$71,848$96,163▲ $24,315
Liabilities
Other Liabilities$8,280,625$8,167,461▼ $113,164
Accounts Payable and Accrued Expenses$87,670$21,203▼ $66,467
Total Liabilities$8,368,295$8,188,664▼ $179,631
Net Assets / Fund Balance
Total Net Assets Fund Balance$1,854,568$1,949,230▲ $94,662
Total Liabilities and Net Assets / Fund Balance$10,222,863$10,137,894▼ $84,969

Asset Categories

AssetBook ValueDepreciationBasis
Equipment-$97,593$97,593
Other Securities$67,578--
Compensation and Service Providers
Top Officer Pay30th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Channon HamiltonManagerFT$58,892$58,892

Board Members and Trustees

NameTitle
James RochatPresident
Daniel LauBoard Member
Jeff WakefieldBoard Member
Tammy StoneBoard Member
Tammy StoneDirector
Randy MitchellCredit COM C
Dan JacobsonCredit COM M
Leslie GaylerCredit COM M
Stacey HeltonCredit COM M
Scott GaySecretary
Dennis CunninghamSupervisory
Edith JohnsonSupervisory
Melissa IngramSupervisory
Janice TothTreasurer
Marvin FabryVice Preside
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$401,740
Investment Income
$37,626
Other Revenue
$108,312
Change in Net Assets
$94,661
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$257,850
Salaries, Compensation, and Employee Benefits$195,167
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages-$195,167-$195,167
Office Expenses-$74,626-$74,626
Interest-$5,665-$5,665
Other Expenses-$3,067-$3,067
All Other Expenses-$1,587-$1,587
Conferences and Meetings-$1,510-$1,510
Total Functional Expenses$0$453,017$0$453,017
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
Regular Shares$6,871,570
Share Drafts$653,021
All Other Shares$642,870
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
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
No
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

Form 990, Page 6, Part VI, Line 6

“The credit union is owned by the members.”

Form 990, Page 6, Part VI, Line 7A

“The board of directors is elected by the membership (one member, one vote). All duties, powers, and responsibilities are controlled by the board of directors. The members elect the board of directors at the annual meeting every year.”

Form 990, Page 6, Part VI, Line 7B

“Some decisions made by the board of directors are affirmed by the members.”

Form 990, Page 6, Part VI, Line 11B

“The manager reviews the form 990. The form 990 is available for review by the board of directors upon request.”

Form 990, Page 6, Part VI, Line 12C

“The board of directors monitor and enforce the conflict of interest policy.”

Form 990, Page 6, Part VI, Line 15A

“The board of directors uses a comparison of credit union compensation.”

Form 990, Page 6, Part VI, Line 19

“Financial documents are posted in the credit union lobby by the 15th of the subsequent month.”

Filing and Contact Details

Filer

Filer Name
Bcbst Employees Credit Union
EIN
23-7152587
Phone
4235355736
Address
1 CAMERON HILL CIRCLE, CHATTANOOGA, TN 37402

Signing Officer

Name
Channon Hamilton
Title
Manager
Phone
4235355736
Signed
2016-04-05
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Channon Hamilton
Formed
1991
Legal Domicile
Tn
Voting Board Members
7
Independent Board Members
7
Employees
5
Volunteers
14

Preparer

Firm
Leverage the Lscu Service Corporation
Address
3692 COOLIDGE CT, TALLAHASSEE, FL 32311-7890
Preparer
Keith T Mcmurtrie
Phone
8505581102
Supplemental Narrative

Additional Explanations

Form 990, Page 1, Part I, Line 6

“Hours of service are related to duties of the board of directors, supervisory committee, and credit committee without compensation.”

Form 990, Page 5, Part V, Line 3B

“The credit union does not have any unrelated business income.”

Form 990, Part XI, Line 9

“Due to rounding 1 total 1”

Form 990, Part XII

“Annual agreed upon procedures are performed by an independent auditor.”

Raw XML AppendixShowing 400 of 402 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/OtherExpensesGrp/ManagementAndGeneralAmt19966
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt27433
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt33067
IRS990/OtherExpensesGrp/TotalAmt0153996
IRS990/OtherExpensesGrp/TotalAmt19966
IRS990/OtherExpensesGrp/TotalAmt27433
IRS990/OtherExpensesGrp/TotalAmt33067
IRS990/OtherLiabilitiesGrp/BOYAmt08280625
IRS990/OtherLiabilitiesGrp/EOYAmt08167461
IRS990/OtherOrganizationDsc0CREDIT UNION
IRS990/OtherRevenueMiscGrp/Desc0OTHER NON-OPERATING INCOME
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt0108312
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt0108312
IRS990/OtherRevenueTotalAmt0108312
IRS990/OtherSalariesAndWagesGrp/ManagementAndGeneralAmt0195167
IRS990/OtherSalariesAndWagesGrp/TotalAmt0195167
IRS990/PartialLiquidationInd0false
IRS990/PoliciesReferenceChaptersInd0true
IRS990/PoliticalCampaignActyInd0false
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0123444
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt013659
IRS990/PrincipalOfficerNm0CHANNON HAMILTON
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/BusinessCd0522291
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/Desc0INTEREST ON LOANS
IRS990/ProgramServiceRevenueGrp/Desc1FEE INCOME
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt0277038
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt1124702
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt0277038
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1124702
IRS990/ProgSrvcAccomActy2Grp/Desc0THE CREDIT UNION PORVIDED A VARIETY OF DEPOSIT SERVICES FOR ITS MEMBERS.
IRS990/ProgSrvcAccomActy2Grp/ExpenseAmt05665
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYInvestmentIncomeAmt021733
IRS990/PYOtherExpensesAmt0267047
IRS990/PYOtherRevenueAmt090766
IRS990/PYProgramServiceRevenueAmt0365062
IRS990/PYRevenuesLessExpensesAmt020925
IRS990/PYSalariesCompEmpBnftPaidAmt0189589
IRS990/PYTotalExpensesAmt0456636
IRS990/PYTotalRevenueAmt0477561
IRS990/ReconcilationRevenueExpnssAmt094661
IRS990/RegularMonitoringEnfrcInd0true
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0true
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt01684171
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt01731332
IRS990/SavingsAndTempCashInvstGrp/BOYAmt01636000
IRS990/SavingsAndTempCashInvstGrp/EOYAmt02728000
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/EquipmentGrp/DepreciationAmt097593
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt097593
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt06871570
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt1653021
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt2642870
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0REGULAR SHARES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1SHARE DRAFTS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc2ALL OTHER SHARES
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt01688000
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt167578
IRS990ScheduleD/OtherSecuritiesGrp/Desc0ALL OTHER INVESTMENTS
IRS990ScheduleD/OtherSecuritiesGrp/Desc1MEMBERSHIP CAPITAL -VCCU
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd0C
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd1C
IRS990ScheduleD/TotalBookValueSecuritiesAmt01755578
IRS990ScheduleD/TotalLiabilityAmt08167461
IRS990/ScheduleJRequiredInd0false
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0HOURS OF SERVICE ARE RELATED TO DUTIES OF THE BOARD OF DIRECTORS, SUPERVISORY COMMITTEE, AND CREDIT COMMITTEE WITHOUT COMPENSATION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE CREDIT UNION DOES NOT HAVE ANY UNRELATED BUSINESS INCOME.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2THE CREDIT UNION IS OWNED BY THE MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3THE BOARD OF DIRECTORS IS ELECTED BY THE MEMBERSHIP (ONE MEMBER, ONE VOTE). ALL DUTIES, POWERS, AND RESPONSIBILITIES ARE CONTROLLED BY THE BOARD OF DIRECTORS. THE MEMBERS ELECT THE BOARD OF DIRECTORS AT THE ANNUAL MEETING EVERY YEAR.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4SOME DECISIONS MADE BY THE BOARD OF DIRECTORS ARE AFFIRMED BY THE MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5THE MANAGER REVIEWS THE FORM 990. THE FORM 990 IS AVAILABLE FOR REVIEW BY THE BOARD OF DIRECTORS UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6THE BOARD OF DIRECTORS MONITOR AND ENFORCE THE CONFLICT OF INTEREST POLICY.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7THE BOARD OF DIRECTORS USES A COMPARISON OF CREDIT UNION COMPENSATION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt8FINANCIAL DOCUMENTS ARE POSTED IN THE CREDIT UNION LOBBY BY THE 15TH OF THE SUBSEQUENT MONTH.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt9DUE TO ROUNDING 1 TOTAL 1
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt10ANNUAL AGREED UPON PROCEDURES ARE PERFORMED BY AN INDEPENDENT AUDITOR.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PAGE 1, PART I, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PAGE 5, PART V, LINE 3B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PAGE 6, PART VI, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PAGE 6, PART VI, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PAGE 6, PART VI, LINE 7B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PAGE 6, PART VI, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PAGE 6, PART VI, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7FORM 990, PAGE 6, PART VI, LINE 15A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc8FORM 990, PAGE 6, PART VI, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc9FORM 990, PART XI, LINE 9
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc10FORM 990, PART XII
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/StatesWhereCopyOfReturnIsFldCd0TN
IRS990/SubjectToProxyTaxInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt010222863
IRS990/TotalAssetsEOYAmt010137894
IRS990/TotalAssetsGrp/BOYAmt010222863
IRS990/TotalAssetsGrp/EOYAmt010137894
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt05
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt0453017
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt0453017
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt08368295
IRS990/TotalLiabilitiesEOYAmt08188664
IRS990/TotalLiabilitiesGrp/BOYAmt08368295
IRS990/TotalLiabilitiesGrp/EOYAmt08188664
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt01854568
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt01949230
IRS990/TotalProgramServiceExpensesAmt0453017
IRS990/TotalProgramServiceRevenueAmt0401740
IRS990/TotalReportableCompFromOrgAmt058892
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0547678
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0547678
IRS990/TotalVolunteersCnt014
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt010222863
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt010137894
IRS990/TypeOfOrganizationOtherInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt04312 DELASHMITT ROAD
IRS990/USAddress/CityNm0HIXSON
IRS990/USAddress/StateAbbreviationCd0TN
IRS990/USAddress/ZIPCd037343
IRS990/VotingMembersGoverningBodyCnt07
IRS990/VotingMembersIndependentCnt07
IRS990/WebsiteAddressTxt0WWW.BCBSTECU.COM
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02016-09-27 15:27:22Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0CHANNON HAMILTON
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0MANAGER
ReturnHeader/BusinessOfficerGrp/PhoneNum04235355736
ReturnHeader/BusinessOfficerGrp/SignatureDt02016-04-05
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0BCBST EMPLOYEES CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0BCBS
ReturnHeader/Filer/EIN0237152587
ReturnHeader/Filer/PhoneNum04235355736
ReturnHeader/Filer/USAddress/AddressLine1Txt01 CAMERON HILL CIRCLE
ReturnHeader/Filer/USAddress/CityNm0CHATTANOOGA
ReturnHeader/Filer/USAddress/StateAbbreviationCd0TN
ReturnHeader/Filer/USAddress/ZIPCd037402
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0591086132
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0LEVERAGE THE LSCU SERVICE CORPORATION
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt03692 COOLIDGE CT
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0TALLAHASSEE
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0FL
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd0323117890
ReturnHeader/PreparerPersonGrp/PhoneNum08505581102
ReturnHeader/PreparerPersonGrp/PreparationDt02016-05-09
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0KEITH T MCMURTRIE
ReturnHeader/ReturnTs02016-05-09T14:04:49-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02015-01-01

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

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

Open filing
Assets
$10,137,894
Liabilities
$8,188,664
Net assets
$1,949,230
Revenue
$547,678
Expenses
$453,017
Net income
$94,661
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2025Detailed filing. Detailed filing data is available for this year.$10.3$8.17$2.13$0.53$0.44$0.08
2024XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$10.5$8.46$2.05$0.52$0.42$0.10
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$11.4$9.48$1.95$0.49$0.48$0.01
2022Detailed filing. Detailed filing data is available for this year.$13.1$11.2$1.94$0.37$0.41$0.04
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$13.2$11.2$1.98$0.35$0.43$0.08
2020Detailed filing. Detailed filing data is available for this year.$13.7$11.7$2.06$0.44$0.49$0.05
2019Detailed filing. Detailed filing data is available for this year.$10.7$8.55$2.12$0.56$0.50$0.07
2018Detailed filing. Detailed filing data is available for this year.$10.2$8.13$2.05$0.54$0.48$0.06
2017Detailed filing. Detailed filing data is available for this year.$10.1$8.08$1.99$0.50$0.49$0.01
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$10.2$8.20$1.98$0.52$0.48$0.04
2015Detailed filing. Detailed filing data is available for this year.$10.1$8.19$1.95$0.55$0.45$0.09
2014Detailed filing. Detailed filing data is available for this year.$10.2$8.37$1.85$0.48$0.46$0.02
2013Detailed filing. Detailed filing data is available for this year.$9.05$7.22$1.83$0.47$0.43$0.04
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$8.91$7.12$1.80$0.42
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$8.91$7.18$1.73$0.41
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$9.35$7.61$1.73$0.43