Civic Intelligence

Bcbst Employees Credit Union

990 • Fiscal year 2017 • EIN 23-7152587

Jan 01, 2017 to Dec 31, 2017 • Filed on May 07, 2018

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

22nd percentile

0.80x

Higher debt load relative to assets than 22% of similar nonprofits.

2017 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2017

Liabilities / Revenue

30th percentile

16.32x

Higher debt load relative to revenue than 30% of similar nonprofits.

2017 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2017

Net Margin

26th percentile

1.6%

Higher net margin than 26% of similar nonprofits.

2017 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2017

Top Officer Pay

49th percentile

$73,589

Higher top officer pay than 49% of similar nonprofits.

Top officer pay equals 14.9% of source-year revenue.

2017 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2017

Asset Growth

29th percentile

-1.1%

Faster asset growth than 29% of similar nonprofits.

2017 filings • 501(c)14 • $10M-$25M nonprofits • Annualized from 2016 to 2017

Revenue Growth

11th percentile

-4.1%

Faster revenue growth than 11% of similar nonprofits.

2017 filings • 501(c)14 • $10M-$25M nonprofits • Annualized from 2016 to 2017

Assets

Down

$10,072,967

Down $110,833 (-1.1%) from 2016

Net Assets

Up

$1,992,282

Up $12,230 (+0.6%) from 2016

Liabilities

Down

$8,080,685

Down $123,063 (-1.5%) from 2016

Revenue

Down

$495,020

Down $20,959 (-4.1%) from 2016

Expenses

Up

$487,212

Up $6,478 (+1.3%) from 2016

Net Income

Down

$7,808

Down $27,437 (-78%) from 2016

Historical Trend

Balance Sheet Trend

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

2017

Assets$10,072,967
Liabilities$8,080,685
Net Assets$1,992,282

Operations Trend

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

2017

Revenue$495,020
Expenses$487,212
Net Income$7,808
Jump To
Filing Snapshot
Filing Period
Jan 1, 2017 to Dec 31, 2017
Signed
May 7, 2018
Return Version
2017v2.3
Gross Receipts
$495,020
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$3,593,756$3,348,962▼ $244,794
Investments Other Securities$1,803,578$2,547,578▲ $744,000
Savings and Temporary Cash Investments$2,184,000$1,984,000▼ $200,000
Cash and Non-Interest-Bearing Accounts$2,336,912$1,919,212▼ $417,700
Rtn Earn Endowment Incm Other Fnds$1,762,153$1,774,384▲ $12,231
Cap Stk Tr Prin Current Funds$217,899$217,898▼ $1
Prepaid Expenses and Deferred Charges$178,496$184,319▲ $5,823
Total Assets$10,183,800$10,072,967▼ $110,833
Other Assets Total$87,058$88,896▲ $1,838
Liabilities
Other Liabilities$8,141,029$8,002,147▼ $138,882
Accounts Payable and Accrued Expenses$62,719$78,538▲ $15,819
Total Liabilities$8,203,748$8,080,685▼ $123,063
Net Assets / Fund Balance
Total Net Assets Fund Balance$1,980,052$1,992,282▲ $12,230
Total Liabilities and Net Assets / Fund Balance$10,183,800$10,072,967▼ $110,833

Asset Categories

AssetBook ValueDepreciationBasis
Other Securities$67,578--
Compensation and Service Providers

Employees

NameTitleFull / Part TimeBaseTotal
Channon HamiltonManagerFT$73,589$73,589

Board Members and Trustees

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

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$341,457
Investment Income
$70,644
Other Revenue
$82,919
Change in Net Assets
$7,808
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$303,145
Salaries, Compensation, and Employee Benefits$184,067
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages-$184,067-$184,067
Office Expenses-$77,847-$77,847
Interest-$9,387-$9,387
Other Expenses-$8,800-$8,800
All Other Expenses-$5,995-$5,995
Conferences and Meetings-$479-$479
Total Functional Expenses$0$487,212$0$487,212
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$6,961,723
Share Drafts$570,689
All Other Shares$469,735
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
2018-05-07
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
Hiram H Hollifield
Phone
2054372133
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

OTHER ADJUSTMENTS 4,422

Form 990, Part XII

Annual agreed upon procedures are performed by an independent auditor.

Raw XML AppendixShowing 400 of 416 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
IRS990/AccountantCompileOrReviewInd0false
IRS990/AccountsPayableAccrExpnssGrp/BOYAmt062719
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt078538
IRS990/AccountsReceivableGrp/BOYAmt03593756
IRS990/AccountsReceivableGrp/EOYAmt03348962
IRS990/ActivitiesConductedPrtshpInd0false
IRS990/ActivityOrMissionDesc0CREDIT UNION - TO PROVIDE FINANCIAL SERVICES FOR ITS MEMBERS.
IRS990/AllOtherExpensesGrp/ManagementAndGeneralAmt05995
IRS990/AllOtherExpensesGrp/TotalAmt05995
IRS990/AnnualDisclosureCoveredPrsnInd0true
IRS990/BackupWthldComplianceInd0true
IRS990/BooksInCareOfDetail/PersonNm0CHANNON HAMILTON
IRS990/BooksInCareOfDetail/PhoneNum04235355736
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt04312 DELASHMITT ROAD
IRS990/BooksInCareOfDetail/USAddress/CityNm0HIXSON
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0TN
IRS990/BooksInCareOfDetail/USAddress/ZIPCd037343
IRS990/BusinessRlnWithFamMemInd0false
IRS990/BusinessRlnWithOfficerEntInd0false
IRS990/BusinessRlnWithOrgMemInd0false
IRS990/CapStkTrPrinCurrentFundsGrp/BOYAmt0217899
IRS990/CapStkTrPrinCurrentFundsGrp/EOYAmt0217898
IRS990/CashNonInterestBearingGrp/BOYAmt02336912
IRS990/CashNonInterestBearingGrp/EOYAmt01919212
IRS990/ChangeToOrgDocumentsInd0false
IRS990/CollectionsOfArtInd0false
IRS990/CompensationFromOtherSrcsInd0false
IRS990/CompensationProcessCEOInd0true
IRS990/CompensationProcessOtherInd0false
IRS990/ConferencesMeetingsGrp/ManagementAndGeneralAmt0479
IRS990/ConferencesMeetingsGrp/TotalAmt0479
IRS990/ConflictOfInterestPolicyInd0true
IRS990/ConservationEasementsInd0false
IRS990/ConsolidatedAuditFinclStmtInd0false
IRS990/CreditCounselingInd0false
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt070644
IRS990/CYOtherExpensesAmt0303145
IRS990/CYOtherRevenueAmt082919
IRS990/CYProgramServiceRevenueAmt0341457
IRS990/CYRevenuesLessExpensesAmt07808
IRS990/CYSalariesCompEmpBnftPaidAmt0184067
IRS990/CYTotalExpensesAmt0487212
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt0495020
IRS990/DecisionsSubjectToApprovaInd0true
IRS990/DeductibleArtContributionInd0false
IRS990/DeductibleNonCashContriInd0false
IRS990/DelegationOfMgmtDutiesInd0false
IRS990/Desc0THE CREDIT UNION PROVIDED A VARIETY OF LOAN SERVICES FOR ITS MEMBERS.
IRS990/DescribedInSection501c3Ind0false
IRS990/DisregardedEntityInd0false
IRS990/DocumentRetentionPolicyInd0true
IRS990/DonorAdvisedFundInd0false
IRS990/ElectionOfBoardMembersInd0true
IRS990/EmployeeCnt05
IRS990/EmploymentTaxReturnsFiledInd0true
IRS990/ExpenseAmt0477825
IRS990/FamilyOrBusinessRlnInd0false
IRS990/ForeignActivitiesInd0false
IRS990/ForeignFinancialAccountInd0false
IRS990/ForeignOfficeInd0false
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt00.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt10.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt20.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt30.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt40.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt50.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt60.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt70.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt80.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt90.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt100.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt110.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt120.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt130.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt140.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt040.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt11.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt21.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt31.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt41.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt51.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt61.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt71.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt81.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt91.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt101.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt111.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt121.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt131.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt141.00
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd1X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd2X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd3X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd4X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd5X
IRS990/Form990PartVIISectionAGrp/OfficerInd0X
IRS990/Form990PartVIISectionAGrp/OfficerInd1X
IRS990/Form990PartVIISectionAGrp/OfficerInd2X
IRS990/Form990PartVIISectionAGrp/OfficerInd3X
IRS990/Form990PartVIISectionAGrp/OfficerInd4X
IRS990/Form990PartVIISectionAGrp/OfficerInd5X
IRS990/Form990PartVIISectionAGrp/OfficerInd6X
IRS990/Form990PartVIISectionAGrp/OfficerInd7X
IRS990/Form990PartVIISectionAGrp/OfficerInd8X
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt00
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt10
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt20
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt30
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt40
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt50
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt60
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt70
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt80
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt90
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt100
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt110
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt120
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt130
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt140
IRS990/Form990PartVIISectionAGrp/PersonNm0CHANNON HAMILTON
IRS990/Form990PartVIISectionAGrp/PersonNm1JAMES ROCHAT
IRS990/Form990PartVIISectionAGrp/PersonNm2MARVIN FABRY
IRS990/Form990PartVIISectionAGrp/PersonNm3SCOTT GAY
IRS990/Form990PartVIISectionAGrp/PersonNm4JANICE TOTH
IRS990/Form990PartVIISectionAGrp/PersonNm5TAMMY STONE
IRS990/Form990PartVIISectionAGrp/PersonNm6DANIEL LAU
IRS990/Form990PartVIISectionAGrp/PersonNm7JEFF WAKEFIELD
IRS990/Form990PartVIISectionAGrp/PersonNm8MELISSA INGRAM
IRS990/Form990PartVIISectionAGrp/PersonNm9EDITH JOHNSON
IRS990/Form990PartVIISectionAGrp/PersonNm10DENNIS CUNNINGHAM
IRS990/Form990PartVIISectionAGrp/PersonNm11KIM BLEVINS
IRS990/Form990PartVIISectionAGrp/PersonNm12MELISSA CAVAZOS
IRS990/Form990PartVIISectionAGrp/PersonNm13RANDY MITCHELL
IRS990/Form990PartVIISectionAGrp/PersonNm14LESLIE GAYLER
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt073589
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt90
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt100
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt110
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt120
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt130
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt140
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt90
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt100
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt110
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt120
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt130
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt140
IRS990/Form990PartVIISectionAGrp/TitleTxt0MANAGER
IRS990/Form990PartVIISectionAGrp/TitleTxt1PRESIDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt2VICE PRESIDE
IRS990/Form990PartVIISectionAGrp/TitleTxt3SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt4TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt5BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt6BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt7BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt8SUPERVISORY
IRS990/Form990PartVIISectionAGrp/TitleTxt9SUPERVISORY
IRS990/Form990PartVIISectionAGrp/TitleTxt10SUPERVISORY
IRS990/Form990PartVIISectionAGrp/TitleTxt11SUPERVISORY
IRS990/Form990PartVIISectionAGrp/TitleTxt12SUPERVISORY
IRS990/Form990PartVIISectionAGrp/TitleTxt13CREDIT COM C
IRS990/Form990PartVIISectionAGrp/TitleTxt14CREDIT COM M
IRS990/Form990ProvidedToGvrnBodyInd0false
IRS990/FormationYr01991
IRS990/FormerOfcrEmployeesListedInd0false
IRS990/FSAuditedInd0false
IRS990/FundraisingActivitiesInd0false
IRS990/GamingActivitiesInd0false
IRS990/GoverningBodyVotingMembersCnt07
IRS990/GrantsToIndividualsInd0false
IRS990/GrantsToOrganizationsInd0false
IRS990/GrantToRelatedPersonInd0false
IRS990/GrossReceiptsAmt0495020
IRS990/GroupReturnForAffiliatesInd0false
IRS990/IncludeFIN48FootnoteInd0false
IRS990/IndependentAuditFinclStmtInd0false
IRS990/IndependentVotingMemberCnt07
IRS990/IndoorTanningServicesInd0false
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartVInd0X
IRS990/InfoInScheduleOPartXIIInd0X
IRS990/InterestGrp/ManagementAndGeneralAmt09387
IRS990/InterestGrp/TotalAmt09387
IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt070644
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt070644
IRS990/InvestmentInJointVentureInd0false
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt01803578
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt02547578
IRS990/IRPDocumentCnt0175
IRS990/IRPDocumentW2GCnt00
IRS990/LegalDomicileStateCd0TN
IRS990/LoanOutstandingInd0false
IRS990/LocalChaptersInd0true
IRS990/MaterialDiversionOrMisuseInd0false
IRS990/MembersOrStockholdersInd0true
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd0true
IRS990/MinutesOfGoverningBodyInd0true
IRS990/MissionDesc0CREDIT UNION - TO PROVIDE SERVICES FOR APPROXIMATELY 2,669 MEMBERS IN THE FORM OF LOANS, SAVINGS, AND OTHER FINANCIAL SERVICES.
IRS990/MoreThan5000KToIndividualsInd0false
IRS990/MoreThan5000KToOrgInd0false
IRS990/NetAssetsOrFundBalancesBOYAmt01980052
IRS990/NetAssetsOrFundBalancesEOYAmt01992282
IRS990/NondeductibleContributionsInd0false
IRS990/OfficeExpensesGrp/ManagementAndGeneralAmt077847
IRS990/OfficeExpensesGrp/TotalAmt077847
IRS990/OfficerMailingAddressInd0false
IRS990/OperateHospitalInd0false
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt087058
IRS990/OtherAssetsTotalGrp/EOYAmt088896
IRS990/OtherChangesInNetAssetsAmt04422
IRS990/OtherExpensesGrp/Desc0PROF & OUTSIDE SERVICES
IRS990/OtherExpensesGrp/Desc1PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/Desc2MISC OPERATING EXP
IRS990/OtherExpensesGrp/Desc3EXAMINATION FEE
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt0137554
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt134000
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt229083
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt38800
IRS990/OtherExpensesGrp/TotalAmt0137554
IRS990/OtherExpensesGrp/TotalAmt134000
IRS990/OtherExpensesGrp/TotalAmt229083
IRS990/OtherExpensesGrp/TotalAmt38800
IRS990/OtherLiabilitiesGrp/BOYAmt08141029
IRS990/OtherLiabilitiesGrp/EOYAmt08002147
IRS990/OtherOrganizationDsc0CREDIT UNION
IRS990/OtherRevenueMiscGrp/BusinessCd0525990
IRS990/OtherRevenueMiscGrp/Desc0OTHER NON-OPERATING INCOME
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt082919
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt082919
IRS990/OtherRevenueTotalAmt082919
IRS990/OtherSalariesAndWagesGrp/ManagementAndGeneralAmt0184067
IRS990/OtherSalariesAndWagesGrp/TotalAmt0184067
IRS990/PartialLiquidationInd0false
IRS990/PoliciesReferenceChaptersInd0true
IRS990/PoliticalCampaignActyInd0false
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0178496
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0184319
IRS990/PrincipalOfficerNm0CHANNON HAMILTON
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/BusinessCd0522291
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/Desc0INTEREST ON LOANS
IRS990/ProgramServiceRevenueGrp/Desc1FEE INCOME
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt0233176
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt1108281
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt0233176
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1108281
IRS990/ProgSrvcAccomActy2Grp/Desc0THE CREDIT UNION PORVIDED A VARIETY OF DEPOSIT SERVICES FOR ITS MEMBERS.
IRS990/ProgSrvcAccomActy2Grp/ExpenseAmt09387
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYInvestmentIncomeAmt047428
IRS990/PYOtherExpensesAmt0290615
IRS990/PYOtherRevenueAmt094383
IRS990/PYProgramServiceRevenueAmt0374168
IRS990/PYRevenuesLessExpensesAmt035245
IRS990/PYSalariesCompEmpBnftPaidAmt0190119
IRS990/PYTotalExpensesAmt0480734
IRS990/PYTotalRevenueAmt0515979
IRS990/ReconcilationRevenueExpnssAmt07808
IRS990/RegularMonitoringEnfrcInd0true
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0true
IRS990/ReportLandBuildingEquipmentInd0false
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt01762153
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt01774384
IRS990/SavingsAndTempCashInvstGrp/BOYAmt02184000
IRS990/SavingsAndTempCashInvstGrp/EOYAmt01984000
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt06961723
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt1570689
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt2469735
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0REGULAR SHARES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1SHARE DRAFTS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc2ALL OTHER SHARES
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt02480000
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt167578
IRS990ScheduleD/OtherSecuritiesGrp/Desc0ALL OTHER INVESTMENTS
IRS990ScheduleD/OtherSecuritiesGrp/Desc1MEMBERSHIP CAPITAL -VCCU
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd0C
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd1C
IRS990ScheduleD/TotalBookValueSecuritiesAmt02547578
IRS990ScheduleD/TotalLiabilityAmt08002147
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/ExplanationTxt9OTHER ADJUSTMENTS 4,422
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/TotalAssetsBOYAmt010183800
IRS990/TotalAssetsEOYAmt010072967
IRS990/TotalAssetsGrp/BOYAmt010183800
IRS990/TotalAssetsGrp/EOYAmt010072967
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt05
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt0487212
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt0487212
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt08203748
IRS990/TotalLiabilitiesEOYAmt08080685
IRS990/TotalLiabilitiesGrp/BOYAmt08203748
IRS990/TotalLiabilitiesGrp/EOYAmt08080685
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt01980052
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt01992282
IRS990/TotalProgramServiceExpensesAmt0487212
IRS990/TotalProgramServiceRevenueAmt0341457
IRS990/TotalReportableCompFromOrgAmt073589
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0495020
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0495020
IRS990/TotalVolunteersCnt014
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt010183800
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt010072967
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/BuildTS02018-06-14 16:35:46Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0CHANNON HAMILTON
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0MANAGER
ReturnHeader/BusinessOfficerGrp/PhoneNum04235355736
ReturnHeader/BusinessOfficerGrp/SignatureDt02018-05-07
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/FilingSecurityInformation/AtSubmissionCreationDeviceId06225844A9469B874AA6651EF4D5340F9A9EB90C8
ReturnHeader/FilingSecurityInformation/AtSubmissionFilingDeviceId07647DFCA2A6E3834CC375D817C9B2B27B515C483
ReturnHeader/FilingSecurityInformation/FilingLicenseTypeCd0P
ReturnHeader/FilingSecurityInformation/IPAddress/IPv4AddressTxt074.205.135.252
ReturnHeader/FilingSecurityInformation/IPDt02018-05-09

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

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