Civic Intelligence

Bse Credit Union

990 • Fiscal year 2011 • EIN 34-0826014

Jan 01, 2011 to Dec 31, 2011 • Filed on May 08, 2012

Organization Profilebsecu.org

View Organization Page

19249 Bagley Road44130
Siviq Scores

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

Liabilities / Assets

88th percentile

0.92x

Higher debt load relative to assets than 88% of similar nonprofits.

2011 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2011

Liabilities / Revenue

Score unavailable

No value available

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

Source year 2011

Net Margin

Score unavailable

No value available

Net margin requires both revenue and expenses on this filing.

Source year 2011

Top Officer Pay

Score unavailable

No value available

This filing does not contain officer compensation rows.

Source year 2011

Asset Growth

68th percentile

5.2%

Faster asset growth than 68% of similar nonprofits.

2011 filings • 501(c)14 • $10M-$25M nonprofits • Annualized from 2010 to 2011

Revenue Growth

Score unavailable

No value available

No valid filing value is available for this score.

Balance Sheet
Liabilities / Assets88th percentile

Assets

Up

$16,617,879

Up $822,600 (+5.2%) from 2010

Net Assets

Up

$1,384,187

Up $8,133 (+0.6%) from 2010

Liabilities

Up

$15,233,692

Up $814,467 (+5.6%) from 2010

Revenue And Expenses
Liabilities / RevenueScore unavailableNet MarginScore unavailable

Revenue

-

No earlier filing loaded for comparison.

Expenses

Down

$765,450

Down $33,200 (-4.2%) from 2010

Net Income

-

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth68th percentile

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

$30M$20M$10M$0Assets 2010: $15,795,279Liabilities 2010: $14,419,225Net Assets 2010: $1,376,0542010Assets 2011: $16,617,879Liabilities 2011: $15,233,692Net Assets 2011: $1,384,1872011Assets 2012: $16,977,892Liabilities 2012: $15,588,637Net Assets 2012: $1,389,2552012Assets 2013: $17,827,710Liabilities 2013: $16,428,452Net Assets 2013: $1,399,2582013Assets 2014: $17,081,640Liabilities 2014: $15,747,634Net Assets 2014: $1,334,0062014Assets 2015: $17,374,319Liabilities 2015: $16,029,097Net Assets 2015: $1,345,2222015Assets 2016: $17,918,105Liabilities 2016: $16,581,175Net Assets 2016: $1,336,9302016Assets 2017: $16,427,490Liabilities 2017: $15,004,048Net Assets 2017: $1,423,4422017Assets 2018: $16,414,443Liabilities 2018: $14,936,655Net Assets 2018: $1,477,7882018Assets 2019: $16,155,068Liabilities 2019: $14,566,606Net Assets 2019: $1,588,4622019Assets 2020: $17,804,739Liabilities 2020: $16,171,000Net Assets 2020: $1,633,7392020Assets 2021: $20,112,776Liabilities 2021: $18,515,514Net Assets 2021: $1,597,2622021Assets 2022: $19,850,943Liabilities 2022: $18,301,693Net Assets 2022: $1,549,2502022Assets 2023: $18,775,614Liabilities 2023: $17,198,453Net Assets 2023: $1,577,1612023Assets 2024: $17,515,010Liabilities 2024: $15,876,015Net Assets 2024: $1,638,9952024

Highlighted filing

2011

Assets$16,617,879
Liabilities$15,233,692
Net Assets$1,384,187
Open 2011 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$1.0M$500K$0-$500KExpenses 2010: $798,6502010Expenses 2011: $765,4502011Expenses 2012: $739,1212012Revenue 2013: $729,454Expenses 2013: $719,451Net Income 2013: $10,0032013Revenue 2014: $723,263Expenses 2014: $788,515Net Income 2014: -$65,2522014Revenue 2015: $733,387Expenses 2015: $722,171Net Income 2015: $11,2162015Revenue 2016: $764,243Expenses 2016: $726,398Net Income 2016: $37,8452016Revenue 2017: $795,728Expenses 2017: $709,216Net Income 2017: $86,5122017Revenue 2018: $754,124Expenses 2018: $699,778Net Income 2018: $54,3462018Revenue 2019: $843,121Expenses 2019: $732,447Net Income 2019: $110,6742019Revenue 2020: $723,109Expenses 2020: $677,832Net Income 2020: $45,2772020Revenue 2021: $627,854Expenses 2021: $664,331Net Income 2021: -$36,4772021Revenue 2022: $620,736Expenses 2022: $668,748Net Income 2022: -$48,0122022Revenue 2023: $705,337Expenses 2023: $656,826Net Income 2023: $48,5112023Revenue 2024: $747,008Expenses 2024: $685,174Net Income 2024: $61,8342024

Highlighted filing

2011

Revenue-
Expenses$765,450
Net Income-
Open 2011 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2011 to Dec 31, 2011
Signed
May 8, 2012
Return Version
2011v1.2
Gross Receipts
$773,583
Mission and Program Overview

Mission

The BSE Credit Union's mission is to provide superior service and the best possible rates to members while maintaining a sound financial institution.

Major Activities

Activity 2
The Credit Union provides a variety of loans to members including real estate, credit card, vehicle and other. The total number of loans outstanding in 2011 was over 900.
Filing and Contact Details

Filer

EIN
34-0826014
Raw XML AppendixShowing 400 of 434 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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IRS990ScheduleO/GeneralExplanation/Explanation0Credit union bylaws and conflict of interest policy are available upon request at the credit union's main office. Quarterly financial statements are displayed in the lobby which is accessible to the general public.
IRS990ScheduleO/GeneralExplanation/Explanation1Employee loans are Management approved. Management loans are Board approved. Loans to Board members are approved by the Board minus the lendee.
IRS990ScheduleO/GeneralExplanation/Explanation2Management reviews tax returns and forwards US Form 8879-EO to tax preparer. Board reviews filed tax returns at next scheduled meeting.
IRS990ScheduleO/GeneralExplanation/Explanation3Mergers are voted on by entire membership.
IRS990ScheduleO/GeneralExplanation/Explanation4Members vote on bylaw and charter changes. Members vote and elect Board members at annual meeting.
IRS990ScheduleO/GeneralExplanation/Explanation5Section 501c(14) Credit Union is composed of members.
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IRS990ScheduleO/GeneralExplanation/Identifier4Form 990, Part VI, Line 7a
IRS990ScheduleO/GeneralExplanation/Identifier5Form 990, Part VI, Line 6
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IRS990ScheduleO/GeneralExplanation/ReturnReference2Form 990, Part VI, Line 11: Form 990 Review Process
IRS990ScheduleO/GeneralExplanation/ReturnReference3Form 990, Part VI, Line 7b: Describe Decisions of Governing Body Approval by Members or Shareholders
IRS990ScheduleO/GeneralExplanation/ReturnReference4Form 990, Part VI, Line 7a: How Members or Shareholders Elect Governing Body
IRS990ScheduleO/GeneralExplanation/ReturnReference5Form 990, Part VI, Line 6: Explanation of Classes of Members or Shareholder
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IRS990/TotalReportableCompFromOrg0147657
IRS990/TotalRevenueCurrentYear0773583
IRS990/TotalRevenuePriorYear0816476
IRS990/TotalRevenue/RelatedOrExemptFunctionIncome0767301
IRS990/TotalRevenue/TotalRevenueColumn0773583
IRS990/TotalRevenue/UnrelatedBusinessRevenue06282
IRS990/TransactionRelatedEntity0false
IRS990/TransfersToExemptNonChrtblOrg0false

Document Assets

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Filings

Displayed year

2011 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$16,617,879
Liabilities
$15,233,692
Net assets
$1,384,187
Revenue
-
Expenses
$765,450
Net income
-
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$17.5$15.9$1.64$0.75$0.69$0.06
2023Detailed filing. Detailed filing data is available for this year.$18.8$17.2$1.58$0.71$0.66$0.05
2022Detailed filing. Detailed filing data is available for this year.$19.9$18.3$1.55$0.62$0.67$0.05
2021Detailed filing. Detailed filing data is available for this year.$20.1$18.5$1.60$0.63$0.66$0.04
2020Detailed filing. Detailed filing data is available for this year.$17.8$16.2$1.63$0.72$0.68$0.05
2019Detailed filing. Detailed filing data is available for this year.$16.2$14.6$1.59$0.84$0.73$0.11
2018Detailed filing. Detailed filing data is available for this year.$16.4$14.9$1.48$0.75$0.70$0.05
2017Detailed filing. Detailed filing data is available for this year.$16.4$15.0$1.42$0.80$0.71$0.09
2016Detailed filing. Detailed filing data is available for this year.$17.9$16.6$1.34$0.76$0.73$0.04
2015Detailed filing. Detailed filing data is available for this year.$17.4$16.0$1.35$0.73$0.72$0.01
2014Detailed filing. Detailed filing data is available for this year.$17.1$15.7$1.33$0.72$0.79$0.07
2013Detailed filing. Detailed filing data is available for this year.$17.8$16.4$1.40$0.73$0.72$0.01
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$17.0$15.6$1.39$0.74
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$16.6$15.2$1.38$0.77
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$15.8$14.4$1.38$0.80