Civic Intelligence

Bridge Credit Union Fka State Transport Employees Cu

990 • Fiscal year 2010 • EIN 31-6077716

Jan 01, 2010 to Dec 31, 2010 • Filed on Jul 28, 2011

1980 W Broad Street43223
Siviq Scores

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

Liabilities / Assets

24th percentile

0.84x

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

2010 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2010

Liabilities / Revenue

Score unavailable

No value available

Liabilities-to-revenue requires both liabilities and revenue on this filing.

Source year 2010

Net Margin

Score unavailable

No value available

Net margin requires both revenue and expenses on this filing.

Source year 2010

Top Officer Pay

Score unavailable

No value available

This filing does not contain officer compensation rows.

Source year 2010

Asset Growth

Score unavailable

No value available

No earlier valid filing was available within the previous three public years.

Source year 2010

Revenue Growth

Score unavailable

No value available

No valid filing value is available for this score.

Assets

$37,402,202

No earlier filing loaded for comparison.

Net Assets

$5,881,018

No earlier filing loaded for comparison.

Liabilities

$31,521,184

No earlier filing loaded for comparison.

Revenue

-

No earlier filing loaded for comparison.

Expenses

$2,103,491

No earlier filing loaded for comparison.

Net Income

-

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

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

$300M$200M$100M$0Assets 2010: $37,402,202Liabilities 2010: $31,521,184Net Assets 2010: $5,881,0182010Assets 2011: $37,927,059Liabilities 2011: $31,980,587Net Assets 2011: $5,946,4722011Assets 2012: $40,309,862Liabilities 2012: $34,183,004Net Assets 2012: $6,126,8582012Assets 2014: $51,558,523Liabilities 2014: $44,932,596Net Assets 2014: $6,625,9272014Assets 2015: $52,953,650Liabilities 2015: $46,023,922Net Assets 2015: $6,929,7282015Assets 2016: $81,656,411Liabilities 2016: $72,759,496Net Assets 2016: $8,896,9152016Assets 2017: $83,985,527Liabilities 2017: $74,230,355Net Assets 2017: $9,755,1722017Assets 2018: $86,733,130Liabilities 2018: $76,127,268Net Assets 2018: $10,605,8622018Assets 2019: $90,046,539Liabilities 2019: $78,822,378Net Assets 2019: $11,224,1612019Assets 2020: $105,859,488Liabilities 2020: $93,817,243Net Assets 2020: $12,042,2452020Assets 2021: $112,442,869Liabilities 2021: $99,288,975Net Assets 2021: $13,153,8942021Assets 2022: $143,847,202Liabilities 2022: $127,342,000Net Assets 2022: $16,505,2022022Assets 2023: $194,911,490Liabilities 2023: $173,412,533Net Assets 2023: $21,498,9572023Assets 2024: $231,392,285Liabilities 2024: $206,951,284Net Assets 2024: $24,441,0012024

Highlighted filing

2010

Assets$37,402,202
Liabilities$31,521,184
Net Assets$5,881,018

Operations Trend

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

$20M$15M$10M$5.0M$0Expenses 2010: $2,103,4912010Expenses 2011: $2,070,4382011Expenses 2012: $2,160,9652012Revenue 2014: $3,046,609Expenses 2014: $2,715,776Net Income 2014: $330,8332014Revenue 2015: $3,226,699Expenses 2015: $2,922,898Net Income 2015: $303,8012015Revenue 2016: $4,667,817Expenses 2016: $4,143,589Net Income 2016: $524,2282016Revenue 2017: $4,964,690Expenses 2017: $4,106,433Net Income 2017: $858,2572017Revenue 2018: $5,373,479Expenses 2018: $4,522,789Net Income 2018: $850,6902018Revenue 2019: $5,669,091Expenses 2019: $5,050,792Net Income 2019: $618,2992019Revenue 2020: $5,615,616Expenses 2020: $5,274,542Net Income 2020: $341,0742020Revenue 2021: $6,265,317Expenses 2021: $5,153,668Net Income 2021: $1,111,6492021Revenue 2022: $8,389,453Expenses 2022: $7,099,461Net Income 2022: $1,289,9922022Revenue 2023: $13,368,309Expenses 2023: $11,967,614Net Income 2023: $1,400,6952023Revenue 2024: $17,746,189Expenses 2024: $16,353,665Net Income 2024: $1,392,5242024

Highlighted filing

2010

Revenue-
Expenses$2,103,491
Net Income-
Jump To
Filing Snapshot
Filing Period
Jan 1, 2010 to Dec 31, 2010
Signed
Jul 28, 2011
Return Version
2010v3.2
Gross Receipts
$2,270,115
Mission and Program Overview

Mission

It is the mission of bridge credit union to exceed expectations with superior service and products that will promote members' financial success, while operating in a financially sound, ethical manner.

Major Activities

Activity 2
Employee labor and benefit costs incurred providing member services and support; including savings deposits and withdrawals, loan origination and servicing, and member technical support.
Activity 3
Data processing costs incurred providing approximately 2,105 members monthly access to their funds through an international atm network, and through checking account linked electronic debit cards.
Filing and Contact Details

Filer

EIN
31-6077716
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IRS990ScheduleO/GeneralExplanation/Explanation0THE CREDIT UNION IS COMPRISED OF A SINGLE CLASS OF APPROXIMENTELY 8,342 MEMBER-OWNERS, EACH OF WHICH HAS EQUAL RIGHTS IN OWNERSHIP, GOVERVERNANCE, VOTING RIGHTS AT ANNUAL MEETINGS, WITH THE EXEPTION OF THE MEMBER-OWNERS WHO ARE ELECTED TO THE BOARD OF DIRECTORS.
IRS990ScheduleO/GeneralExplanation/Explanation1THE MEMBER-OWNERS OF THE CREDIT UNION HAVE THE AUTHORITY TO ELECT THE MEMBERS OF THE BOARD OF DIRECTORS FOR 3 YEAR TERMS ON A ROTATING BASIS. CANDIDATES ARE ELECTED BY A SIMPLY PLURALITY VOTE.
IRS990ScheduleO/GeneralExplanation/Explanation2ELECTED BOARD MEMBERS MAKE DECISIONS FOR THE CREDIT UNION, HOWEVER THE COMPANY'S CODE OF REGULATION PROVIDE A PROCEDURE WHEREBY MEMBERS CAN REVERSE/OVERRIDE A DECISION TAKEN BY THE BOARD OF DIRECTORS.
IRS990ScheduleO/GeneralExplanation/Explanation3THE CREDIT UNION HAS HIRE AN OUTSIDE CPA FIRM TO PROCESS FORM 990. THE RETURN IS THEN REVIEWED BY THE CREDIT UNION'S ACCOUNTING STAFF AND MADE AVAILABLE FOR ANY BOARD MEMBER UPON REQUEST.
IRS990ScheduleO/GeneralExplanation/Explanation4THE BOARD OF DIRECTORS PERFORMS A COMPREHENSIVE REVIEW OF COMPENSATION BASED ON VARIOUS FACTORS AND STUDIES OF COMPARIBLY SITUATED INDIVIDUALS IN THE CREDIT UNION INDUSTRY.
IRS990ScheduleO/GeneralExplanation/Explanation5MANAGEMENT REVIEW COMPENSATION BASED ON COMPANY POLICY AND KEY PERFORMANCE FACTORS. MANAGEMENT ALSO USES VARIOUS DATA OF COMPARIBLY SITUATED INDIVIDUALS IN THE CREDIT UNION INDUSTRY.
IRS990ScheduleO/GeneralExplanation/Explanation6DOCUMENTS ARE AVAILABLE UPON REQUEST.
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IRS990ScheduleO/GeneralExplanation/Identifier1ELECTION OF MEMBERS AND THEIR RIGHTS
IRS990ScheduleO/GeneralExplanation/Identifier2DECISIONS SUBJECT TO APPROVAL OF MEMBERS
IRS990ScheduleO/GeneralExplanation/Identifier3ORGANIZATION'S PROCESS USED TO REVIEW FORM 990
IRS990ScheduleO/GeneralExplanation/Identifier4COMPENSATION PROCESS FOR TOP OFFICIAL
IRS990ScheduleO/GeneralExplanation/Identifier5COMPENSATION PROCESS FOR OFFICERS
IRS990ScheduleO/GeneralExplanation/Identifier6GOVERNING DOCUMENTS DISCLOSURE EXPLANATION
IRS990ScheduleO/GeneralExplanation/ReturnReference0FORM 990, PAGE 6, PART VI, LINE 6
IRS990ScheduleO/GeneralExplanation/ReturnReference1FORM 990, PAGE 6, PART VI, LINE 7A
IRS990ScheduleO/GeneralExplanation/ReturnReference2FORM 990, PAGE 6, PART VI, LINE 7B
IRS990ScheduleO/GeneralExplanation/ReturnReference3FORM 990, PAGE 6, PART VI, LINE 11B
IRS990ScheduleO/GeneralExplanation/ReturnReference4FORM 990, PAGE 6, PART VI, LINE 15A
IRS990ScheduleO/GeneralExplanation/ReturnReference5FORM 990, PAGE 6, PART VI, LINE 15B
IRS990ScheduleO/GeneralExplanation/ReturnReference6FORM 990, PAGE 6, PART VI, LINE 19
IRS990/ScheduleORequired0true
IRS990/School0false
IRS990/SignificantChange0false
IRS990/SignificantNewProgramServices0false
IRS990/StateLegalDomicile0OH
IRS990/SubjectToProxyTax0false
IRS990/TaxablePartyNotification0false
IRS990/TaxExemptBonds0false
IRS990/Terminated0false
IRS990/TermOrPermanentEndowments0false
IRS990/TheBooksAreInCareOf/AddressUS/AddressLine101980 W BROAD STREET
IRS990/TheBooksAreInCareOf/AddressUS/City0COLUMBUS
IRS990/TheBooksAreInCareOf/AddressUS/State0OH
IRS990/TheBooksAreInCareOf/AddressUS/ZIPCode043223
IRS990/TheBooksAreInCareOf/NamePerson0CHRISTINE LESLIE
IRS990/TheBooksAreInCareOf/TelephoneNumber06144664988
IRS990/TotalAssets/BOY039194977
IRS990/TotalAssetsBOY039194977
IRS990/TotalAssets/EOY037402202
IRS990/TotalAssetsEOY037402202
IRS990/TotalCompGT150K0true
IRS990/TotalExpensesCurrentYear02103491
IRS990/TotalExpensesPriorYear02139326
IRS990/TotalFunctionalExpenses/Fundraising00
IRS990/TotalFunctionalExpenses/ManagementAndGeneral00
IRS990/TotalFunctionalExpenses/ProgramServices00
IRS990/TotalFunctionalExpenses/Total02103491
IRS990/TotalFundrsngExpCurrentYear00
IRS990/TotalGrossUBI09237
IRS990/TotalLiabilities/BOY033480582
IRS990/TotalLiabilitiesBOY033480582
IRS990/TotalLiabilities/EOY031521184
IRS990/TotalLiabilitiesEOY031521184
IRS990/TotalLiabNetAssetsFundBalances/BOY039194977
IRS990/TotalLiabNetAssetsFundBalances/EOY037402202
IRS990/TotalNbrEmployees019
IRS990/TotalNetAssetsFundBalances/BOY05714395
IRS990/TotalNetAssetsFundBalances/EOY05881018
IRS990/TotalOtherCompensation074123
IRS990/TotalProfFundrsngExpCY00

Document Assets

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Filings

Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$231$207$24.4$17.7$16.4$1.39
2023Detailed filing. Detailed filing data is available for this year.$195$173$21.5$13.4$12.0$1.40
2022Detailed filing. Detailed filing data is available for this year.$144$127$16.5$8.39$7.10$1.29
2021Detailed filing. Detailed filing data is available for this year.$112$99.3$13.2$6.27$5.15$1.11
2020Detailed filing. Detailed filing data is available for this year.$106$93.8$12.0$5.62$5.27$0.34
2019Detailed filing. Detailed filing data is available for this year.$90.0$78.8$11.2$5.67$5.05$0.62
2018Detailed filing. Detailed filing data is available for this year.$86.7$76.1$10.6$5.37$4.52$0.85
2017Detailed filing. Detailed filing data is available for this year.$84.0$74.2$9.76$4.96$4.11$0.86
2016Detailed filing. Detailed filing data is available for this year.$81.7$72.8$8.90$4.67$4.14$0.52
2015Detailed filing. Detailed filing data is available for this year.$53.0$46.0$6.93$3.23$2.92$0.30
2014Detailed filing. Detailed filing data is available for this year.$51.6$44.9$6.63$3.05$2.72$0.33
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$40.3$34.2$6.13$2.16
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$37.9$32.0$5.95$2.07
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$37.4$31.5$5.88$2.10
Peer Organizations

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