Liabilities / Assets
93rd percentile
Higher debt load relative to assets than 93% of similar nonprofits.
Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.
Liabilities / Assets
93rd percentile
Higher debt load relative to assets than 93% of similar nonprofits.
Liabilities / Revenue
58th percentile
Higher debt load relative to revenue than 58% of similar nonprofits.
Net Margin
44th percentile
Higher net margin than 44% of similar nonprofits.
Top Officer Pay
92nd percentile
Higher top officer pay than 92% of similar nonprofits.
Top officer pay equals 14.9% of source-year revenue.
Asset Growth
61st percentile
Faster asset growth than 61% of similar nonprofits.
Revenue Growth
63rd percentile
Faster revenue growth than 63% of similar nonprofits.
Assets
Up$17,918,105
Up $543,786 (+3.1%) from 2015
Net Assets
Down$1,336,930
Down $8,292 (-0.6%) from 2015
Liabilities
Up$16,581,175
Up $552,078 (+3.4%) from 2015
Revenue
Up$764,243
Up $30,856 (+4.2%) from 2015
Expenses
Up$726,398
Up $4,227 (+0.6%) from 2015
Net Income
Up$37,845
Up $26,629 (+237%) from 2015
The BSE Credit Union's mission is to provide superior service and the best possible rates to members while maintaining a sound financial institution.
| Line | Beginning | End | Change |
|---|---|---|---|
| Assets | |||
| Investments Other Securities | $7,800,513 | $7,086,224 | ▼ $714,289 |
| Other Notes and Loans Receivable, Net | $5,931,027 | $6,146,036 | ▲ $215,009 |
| Savings and Temporary Cash Investments | $3,038,638 | $4,029,546 | ▲ $990,908 |
| Rtn Earn Endowment Incm Other Fnds | $1,345,222 | $1,336,930 | ▼ $8,292 |
| Cash and Non-Interest-Bearing Accounts | $206,518 | $258,262 | ▲ $51,744 |
| Land, Buildings, and Equipment, Net | $161,323 | $155,244 | ▼ $6,079 |
| Prepaid Expenses and Deferred Charges | $12,354 | $9,393 | ▼ $2,961 |
| Accounts Receivable | - | $0 | - |
| Pledges and Grants Receivable | - | $0 | - |
| Receivable From Disqualified Prsn | - | $0 | - |
| Receivables From Officers Etc | - | $0 | - |
| Investments Program Related | - | $0 | - |
| Investments in Publicly Traded Securities | - | $0 | - |
| Intangible Assets | - | $0 | - |
| Inventories for Sale or Use | - | $0 | - |
| Total Assets | $17,374,319 | $17,918,105 | ▲ $543,786 |
| Other Assets Total | $223,946 | $233,400 | ▲ $9,454 |
| Liabilities | |||
| Other Liabilities | $15,881,030 | $16,428,151 | ▲ $547,121 |
| Accounts Payable and Accrued Expenses | $148,067 | $153,024 | ▲ $4,957 |
| Total Liabilities | $16,029,097 | $16,581,175 | ▲ $552,078 |
| Net Assets / Fund Balance | |||
| Total Net Assets Fund Balance | $1,345,222 | $1,336,930 | ▼ $8,292 |
| Total Liabilities and Net Assets / Fund Balance | $17,374,319 | $17,918,105 | ▲ $543,786 |
| Asset | Book Value | Depreciation | Basis |
|---|---|---|---|
| Leasehold Improvements | $13,852 | $231,453 | $245,305 |
| Other Land Buildings | $9,090 | $220,343 | $229,433 |
| Buildings | $23,802 | $103,788 | $127,590 |
| Land | $108,500 | - | $108,500 |
| Name | Title | Full / Part Time | Base | Other | Total |
|---|---|---|---|---|---|
| Drema Braun | Sec/Treas/CEO | FT | $100,401 | $13,558 | $113,959 |
| Name | Title |
|---|---|
| Thomas Galyen | President |
| Craig S Braithwaite | Vice President |
| Glenn Blatnica | Director |
| Jack Winget | Director |
| Tim Gerding | Director |
| Vickie A McDonald | Director |
| Line Item | Amount |
|---|---|
| Other Expenses | $383,628 |
| Salaries, Compensation, and Employee Benefits | $342,770 |
| Grants and Similar Amounts Paid | $0 |
| Professional Fundraising Fees | $0 |
| Total Fundraising Expense | $0 |
| Line Item | Program | Management | Fundraising | Total |
|---|---|---|---|---|
| Other Salaries and Wages | - | - | - | $172,406 |
| Current Officers, Directors, Trustees, and Key Employees | - | - | - | $113,959 |
| Office Expenses | - | - | - | $92,728 |
| Occupancy | - | - | - | $39,953 |
| Other Employee Benefits | - | - | - | $35,121 |
| Advertising | - | - | - | $27,267 |
| Payroll Taxes | - | - | - | $21,284 |
| Fees for Services Accounting | - | - | - | $13,490 |
| Interest | - | - | - | $11,309 |
| Other Expenses | - | - | - | $9,990 |
| Depreciation Depletion | - | - | - | $9,251 |
| Insurance | - | - | - | $8,909 |
| All Other Expenses | - | - | - | $6,150 |
| Total Functional Expenses | $0 | $0 | $0 | $726,398 |
| Line Item | Amount |
|---|---|
| Professional Fundraising Fees | $0 |
| Line Item | Beginning | End | Change |
|---|---|---|---|
| Receivables from Disqualified Persons | - | $0 | - |
| Receivables from Officers, Directors, Trustees, and Key Employees | - | $0 | - |
| Liability | Amount |
|---|---|
| Member Share Accounts | $16,428,150 |
| Rounding | $1 |
“Section 501c(14) Credit Union is composed of members.”
“Members vote on bylaw and charter changes. Members vote and elect Board members at annual meeting.”
“Mergers are voted on by entire membership.”
“Management reviews tax returns and forwards US Form 8879-EO to tax preparer. Board reviews filed tax returns at next scheduled meeting.”
“Employee loans are Management approved. Management loans are Board approved. Loans to Board members are approved by the Board minus the lendee.”
“Executive and employee salaries are Board reviewed and approved. Board of directors are not compensated.”
“Credit 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.”
“Return amended due to omission of form 8925, detailing Credit Union owned life insurance contract.”
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/AccountantCompileOrReviewInd | 0 | false |
| IRS990/AccountsPayableAccrExpnssGrp/BOYAmt | 0 | 148067 |
| IRS990/AccountsPayableAccrExpnssGrp/EOYAmt | 0 | 153024 |
| IRS990/AccountsReceivableGrp/EOYAmt | 0 | 0 |
| IRS990/ActivitiesConductedPrtshpInd | 0 | false |
| IRS990/ActivityOrMissionDesc | 0 | The BSE Credit Union's mission is to provide superior service and the best possible rates to members while maintaining a sound financial institution. |
| IRS990/AdvertisingGrp/TotalAmt | 0 | 27267 |
| IRS990/AllAffiliatesIncludedInd | 0 | false |
| IRS990/AllOtherExpensesGrp/TotalAmt | 0 | 6150 |
| IRS990/AmendedReturnInd | 0 | X |
| IRS990/AnnualDisclosureCoveredPrsnInd | 0 | true |
| IRS990/AuditCommitteeInd | 0 | true |
| IRS990/BackupWthldComplianceInd | 0 | true |
| IRS990/BenefitsToMembersGrp/TotalAmt | 0 | 0 |
| IRS990/BooksInCareOfDetail/PersonNm | 0 | Drema Braun |
| IRS990/BooksInCareOfDetail/PhoneNum | 0 | 4402439180 |
| IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt | 0 | 19249 Bagley Road |
| IRS990/BooksInCareOfDetail/USAddress/CityNm | 0 | Middleburg Heights |
| IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd | 0 | OH |
| IRS990/BooksInCareOfDetail/USAddress/ZIPCd | 0 | 44130 |
| IRS990/BusinessRlnWithFamMemInd | 0 | false |
| IRS990/BusinessRlnWithOfficerEntInd | 0 | false |
| IRS990/BusinessRlnWithOrgMemInd | 0 | false |
| IRS990/CashNonInterestBearingGrp/BOYAmt | 0 | 206518 |
| IRS990/CashNonInterestBearingGrp/EOYAmt | 0 | 258262 |
| IRS990/ChangeToOrgDocumentsInd | 0 | false |
| IRS990/CntrctRcvdGreaterThan100KCnt | 0 | 0 |
| IRS990/CollectionsOfArtInd | 0 | false |
| IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt | 0 | 113959 |
| IRS990/CompDisqualPersonsGrp/TotalAmt | 0 | 0 |
| IRS990/CompensationFromOtherSrcsInd | 0 | false |
| IRS990/CompensationProcessCEOInd | 0 | true |
| IRS990/CompensationProcessOtherInd | 0 | false |
| IRS990/ConferencesMeetingsGrp/TotalAmt | 0 | 0 |
| IRS990/ConflictOfInterestPolicyInd | 0 | true |
| IRS990/ConservationEasementsInd | 0 | false |
| IRS990/ConsolidatedAuditFinclStmtInd | 0 | false |
| IRS990/CreditCounselingInd | 0 | false |
| IRS990/CYBenefitsPaidToMembersAmt | 0 | 0 |
| IRS990/CYContributionsGrantsAmt | 0 | 0 |
| IRS990/CYGrantsAndSimilarPaidAmt | 0 | 0 |
| IRS990/CYInvestmentIncomeAmt | 0 | 128973 |
| IRS990/CYOtherExpensesAmt | 0 | 383628 |
| IRS990/CYOtherRevenueAmt | 0 | 716 |
| IRS990/CYProgramServiceRevenueAmt | 0 | 634554 |
| IRS990/CYRevenuesLessExpensesAmt | 0 | 37845 |
| IRS990/CYSalariesCompEmpBnftPaidAmt | 0 | 342770 |
| IRS990/CYTotalExpensesAmt | 0 | 726398 |
| IRS990/CYTotalFundraisingExpenseAmt | 0 | 0 |
| IRS990/CYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/CYTotalRevenueAmt | 0 | 764243 |
| IRS990/DAFExcessBusinessHoldingsInd | 0 | false |
| IRS990/DecisionsSubjectToApprovaInd | 0 | true |
| IRS990/DeductibleArtContributionInd | 0 | false |
| IRS990/DeductibleNonCashContriInd | 0 | false |
| IRS990/DelegationOfMgmtDutiesInd | 0 | false |
| IRS990/DepreciationDepletionGrp/TotalAmt | 0 | 9251 |
| IRS990/Desc | 0 | The Credit Union provides several deposit account types to members including savings, checking, certificates and other. The total number of members as of 2016 was 2,872. |
| IRS990/DescribedInSection501c3Ind | 0 | false |
| IRS990/DisregardedEntityInd | 0 | false |
| IRS990/DistributionToDonorInd | 0 | false |
| IRS990/DocumentRetentionPolicyInd | 0 | true |
| IRS990/DonorAdvisedFundInd | 0 | false |
| IRS990/ElectionOfBoardMembersInd | 0 | true |
| IRS990/EmployeeCnt | 0 | 5 |
| IRS990/EmploymentTaxReturnsFiledInd | 0 | true |
| IRS990/EngagedInExcessBenefitTransInd | 0 | false |
| IRS990/EscrowAccountInd | 0 | false |
| IRS990/FamilyOrBusinessRlnInd | 0 | false |
| IRS990/FederalGrantAuditRequiredInd | 0 | false |
| IRS990/FeesForServicesAccountingGrp/TotalAmt | 0 | 13490 |
| IRS990/FeesForServicesLegalGrp/TotalAmt | 0 | 0 |
| IRS990/FeesForServicesLobbyingGrp/TotalAmt | 0 | 0 |
| IRS990/FeesForServicesManagementGrp/TotalAmt | 0 | 0 |
| IRS990/FeesForServicesOtherGrp/TotalAmt | 0 | 0 |
| IRS990/FeesForServicesProfFundraising/TotalAmt | 0 | 0 |
| IRS990/FeesForSrvcInvstMgmntFeesGrp/TotalAmt | 0 | 0 |
| IRS990/ForeignActivitiesInd | 0 | false |
| IRS990/ForeignFinancialAccountInd | 0 | false |
| IRS990/ForeignGrantsGrp/TotalAmt | 0 | 0 |
| IRS990/ForeignOfficeInd | 0 | false |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 0 | 0.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 1 | 0.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 2 | 0.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 3 | 0.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 4 | 0.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 5 | 0.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 6 | 0.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 0 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 1 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 2 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 3 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 4 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 5 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 6 | 40.00 |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 0 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 1 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 2 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 3 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 4 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 5 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 6 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 0 | X |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 6 | 13558 |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 0 | Thomas Galyen |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 1 | Craig S Braithwaite |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 2 | Tim Gerding |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 3 | Vickie A McDonald |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 4 | Jack Winget |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 5 | Glenn Blatnica |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 6 | Drema Braun |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 6 | 100401 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 6 | 0 |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 0 | President |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 1 | Vice President |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 2 | Director |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 3 | Director |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 4 | Director |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 5 | Director |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 6 | Sec/Treas/CEO |
| IRS990/Form990ProvidedToGvrnBodyInd | 0 | false |
| IRS990/Form990TFiledInd | 0 | false |
| IRS990/FormationYr | 0 | 1955 |
| IRS990/FormerOfcrEmployeesListedInd | 0 | false |
| IRS990/FSAuditedBasisGrp/SeparateBasisFinclStmtInd | 0 | X |
| IRS990/FSAuditedInd | 0 | true |
| IRS990/FundraisingActivitiesInd | 0 | false |
| IRS990/GamingActivitiesInd | 0 | false |
| IRS990/GoverningBodyVotingMembersCnt | 0 | 7 |
| IRS990/GrantsToDomesticIndividualsGrp/TotalAmt | 0 | 0 |
| IRS990/GrantsToDomesticOrgsGrp/TotalAmt | 0 | 0 |
| IRS990/GrantsToIndividualsInd | 0 | false |
| IRS990/GrantsToOrganizationsInd | 0 | false |
| IRS990/GrantToRelatedPersonInd | 0 | false |
| IRS990/GrossReceiptsAmt | 0 | 764243 |
| IRS990/GroupReturnForAffiliatesInd | 0 | false |
| IRS990/IncludeFIN48FootnoteInd | 0 | false |
| IRS990/IncmFromInvestBondProceedsGrp/TotalRevenueColumnAmt | 0 | 0 |
| IRS990/IndependentAuditFinclStmtInd | 0 | false |
| IRS990/IndependentVotingMemberCnt | 0 | 6 |
| IRS990/IndivRcvdGreaterThan100KCnt | 0 | 1 |
| IRS990/IndoorTanningServicesInd | 0 | false |
| IRS990/InfoInScheduleOPartVIInd | 0 | X |
| IRS990/InformationTechnologyGrp/TotalAmt | 0 | 0 |
| IRS990/InsuranceGrp/TotalAmt | 0 | 8909 |
| IRS990/IntangibleAssetsGrp/EOYAmt | 0 | 0 |
| IRS990/InterestGrp/TotalAmt | 0 | 11309 |
| IRS990/InventoriesForSaleOrUseGrp/EOYAmt | 0 | 0 |
| IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt | 0 | 128973 |
| IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt | 0 | 128973 |
| IRS990/InvestmentInJointVentureInd | 0 | false |
| IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt | 0 | 7800513 |
| IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt | 0 | 7086224 |
| IRS990/InvestmentsProgramRelatedGrp/EOYAmt | 0 | 0 |
| IRS990/InvestmentsPubTradedSecGrp/EOYAmt | 0 | 0 |
| IRS990/InvestTaxExemptBondsInd | 0 | false |
| IRS990/IRPDocumentCnt | 0 | 45 |
| IRS990/IRPDocumentW2GCnt | 0 | 0 |
| IRS990/LandBldgEquipAccumDeprecAmt | 0 | 555584 |
| IRS990/LandBldgEquipBasisNetGrp/BOYAmt | 0 | 161323 |
| IRS990/LandBldgEquipBasisNetGrp/EOYAmt | 0 | 155244 |
| IRS990/LandBldgEquipCostOrOtherBssAmt | 0 | 710828 |
| IRS990/LegalDomicileStateCd | 0 | OH |
| IRS990/LicensedMoreThanOneStateInd | 0 | false |
| IRS990/LoanOutstandingInd | 0 | false |
| IRS990/LobbyingActivitiesInd | 0 | false |
| IRS990/LocalChaptersInd | 0 | false |
| IRS990/MaterialDiversionOrMisuseInd | 0 | false |
| IRS990/MembersOrStockholdersInd | 0 | true |
| IRS990/MethodOfAccountingAccrualInd | 0 | X |
| IRS990/MinutesOfCommitteesInd | 0 | true |
| IRS990/MinutesOfGoverningBodyInd | 0 | true |
| IRS990/MissionDesc | 0 | The BSE Credit Union's mission is to provide superior service and the best possible rates to members while maintaining a sound financial institution. |
| IRS990/MoreThan5000KToIndividualsInd | 0 | false |
| IRS990/MoreThan5000KToOrgInd | 0 | false |
| IRS990/NetAssetsOrFundBalancesBOYAmt | 0 | 1345222 |
| IRS990/NetAssetsOrFundBalancesEOYAmt | 0 | 1336930 |
| IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt | 0 | 0 |
| IRS990/NetIncmFromFundraisingEvtGrp/TotalRevenueColumnAmt | 0 | 0 |
| IRS990/NetIncomeFromGamingGrp/TotalRevenueColumnAmt | 0 | 0 |
| IRS990/NetIncomeOrLossGrp/TotalRevenueColumnAmt | 0 | 0 |
| IRS990/NetRentalIncomeOrLossGrp/TotalRevenueColumnAmt | 0 | 0 |
| IRS990/NetUnrelatedBusTxblIncmAmt | 0 | -6617 |
| IRS990/NondeductibleContributionsInd | 0 | false |
| IRS990/OccupancyGrp/TotalAmt | 0 | 39953 |
| IRS990/OfficeExpensesGrp/TotalAmt | 0 | 92728 |
| IRS990/OfficerMailingAddressInd | 0 | false |
| IRS990/OnBehalfOfIssuerInd | 0 | false |
| IRS990/OperateHospitalInd | 0 | false |
| IRS990/Organization501cInd | 0 | X |
| IRS990/OrgDoesNotFollowSFAS117Ind | 0 | X |
| IRS990/OrgFiledInLieuOfForm1041Ind | 0 | false |
| IRS990/OtherAssetsTotalGrp/BOYAmt | 0 | 223946 |
| IRS990/OtherAssetsTotalGrp/EOYAmt | 0 | 233400 |
| IRS990/OtherEmployeeBenefitsGrp/TotalAmt | 0 | 35121 |
| IRS990/OtherExpensesGrp/Desc | 0 | ATM Expense |
| IRS990/OtherExpensesGrp/Desc | 1 | Provision for Loan Losses |
| IRS990/OtherExpensesGrp/Desc | 2 | Loan Servicing Expenses |
| IRS990/OtherExpensesGrp/Desc | 3 | Other Misc Operating Expenses |
| IRS990/OtherExpensesGrp/TotalAmt | 0 | 85934 |
| IRS990/OtherExpensesGrp/TotalAmt | 1 | 67900 |
| IRS990/OtherExpensesGrp/TotalAmt | 2 | 10747 |
| IRS990/OtherExpensesGrp/TotalAmt | 3 | 9990 |
| IRS990/OtherLiabilitiesGrp/BOYAmt | 0 | 15881030 |
| IRS990/OtherLiabilitiesGrp/EOYAmt | 0 | 16428151 |
| IRS990/OtherRevenueMiscGrp/BusinessCd | 0 | 525990 |
| IRS990/OtherRevenueMiscGrp/Desc | 0 | iPay Revenue |
| IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt | 0 | 716 |
| IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt | 0 | 716 |
| IRS990/OtherRevenueTotalAmt | 0 | 716 |
| IRS990/OtherSalariesAndWagesGrp/TotalAmt | 0 | 172406 |
| IRS990/OthNotesLoansReceivableNetGrp/BOYAmt | 0 | 5931027 |
| IRS990/OthNotesLoansReceivableNetGrp/EOYAmt | 0 | 6146036 |
| IRS990/PartialLiquidationInd | 0 | false |
| IRS990/PaymentsToAffiliatesGrp/TotalAmt | 0 | 0 |
| IRS990/PayrollTaxesGrp/TotalAmt | 0 | 21284 |
| IRS990/PensionPlanContributionsGrp/TotalAmt | 0 | 0 |
| IRS990/PledgesAndGrantsReceivableGrp/EOYAmt | 0 | 0 |
| IRS990/PoliticalCampaignActyInd | 0 | false |
| IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt | 0 | 12354 |
| IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt | 0 | 9393 |
| IRS990/PriorPeriodAdjustmentsAmt | 0 | -46137 |
| IRS990/ProfessionalFundraisingInd | 0 | false |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 0 | 522100 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 1 | 522100 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 2 | 522100 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 3 | 522100 |
| IRS990/ProgramServiceRevenueGrp/Desc | 0 | Fees & Charges |
| IRS990/ProgramServiceRevenueGrp/Desc | 1 | Interchange Revenue |
| IRS990/ProgramServiceRevenueGrp/Desc | 2 | Interest on Loans |
| IRS990/ProgramServiceRevenueGrp/Desc | 3 | Other Program Income |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 101873 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 1 | 58965 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 2 | 430902 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 3 | 42814 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 0 | 101873 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 1 | 58965 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 2 | 430902 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 3 | 42814 |
| IRS990/ProgSrvcAccomActy2Grp/Desc | 0 | The Credit Union provides a variety of loans to members including real estate, credit card, vehicle and other. The total number of loans outstanding as of 2016 was 1,453. |
| IRS990/ProhibitedTaxShelterTransInd | 0 | false |
| IRS990/PYExcessBenefitTransInd | 0 | false |
| IRS990/PYInvestmentIncomeAmt | 0 | 116457 |
| IRS990/PymtTravelEntrtnmntPubOfclGrp/TotalAmt | 0 | 0 |
| IRS990/PYOtherExpensesAmt | 0 | 362811 |
| IRS990/PYOtherRevenueAmt | 0 | 1610 |
| IRS990/PYProgramServiceRevenueAmt | 0 | 615320 |
| IRS990/PYRevenuesLessExpensesAmt | 0 | 11216 |
| IRS990/PYSalariesCompEmpBnftPaidAmt | 0 | 359360 |
| IRS990/PYTotalExpensesAmt | 0 | 722171 |
| IRS990/PYTotalRevenueAmt | 0 | 733387 |
| IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt | 0 | 0 |
| IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt | 0 | 0 |
| IRS990/ReconcilationRevenueExpnssAmt | 0 | 37845 |
| IRS990/RegularMonitoringEnfrcInd | 0 | true |
| IRS990/RelatedEntityInd | 0 | false |
| IRS990/RelatedOrganizationCtrlEntInd | 0 | false |
| IRS990/ReportInvestmentsOtherSecInd | 0 | true |
| IRS990/ReportLandBuildingEquipmentInd | 0 | true |
| IRS990/ReportOtherAssetsInd | 0 | false |
| IRS990/ReportOtherLiabilitiesInd | 0 | true |
| IRS990/ReportProgramRelatedInvstInd | 0 | false |
| IRS990/RoyaltiesGrp/TotalAmt | 0 | 0 |
| IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt | 0 | 0 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt | 0 | 1345222 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt | 0 | 1336930 |
| IRS990/SavingsAndTempCashInvstGrp/BOYAmt | 0 | 3038638 |
| IRS990/SavingsAndTempCashInvstGrp/EOYAmt | 0 | 4029546 |
| IRS990/ScheduleBRequiredInd | 0 | false |
| IRS990ScheduleD/BuildingsGrp/BookValueAmt | 0 | 23802 |
| IRS990ScheduleD/BuildingsGrp/DepreciationAmt | 0 | 103788 |
| IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt | 0 | 127590 |
| IRS990ScheduleD/LandGrp/BookValueAmt | 0 | 108500 |
| IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt | 0 | 108500 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt | 0 | 13852 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt | 0 | 231453 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt | 0 | 245305 |
| IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt | 0 | 9090 |
| IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt | 0 | 220343 |
| IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt | 0 | 229433 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 0 | 16428150 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 1 | 1 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 0 | Member Share Accounts |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 1 | Rounding |
| IRS990ScheduleD/TotalBookValueLandBuildingsAmt | 0 | 155244 |
| IRS990ScheduleD/TotalBookValueSecuritiesAmt | 0 | 7086224 |
| IRS990ScheduleD/TotalLiabilityAmt | 0 | 16428151 |
| IRS990/ScheduleJRequiredInd | 0 | false |
| IRS990/ScheduleORequiredInd | 0 | true |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 0 | Section 501c(14) Credit Union is composed of members. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 1 | Members vote on bylaw and charter changes. Members vote and elect Board members at annual meeting. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 2 | Mergers are voted on by entire membership. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 3 | Management reviews tax returns and forwards US Form 8879-EO to tax preparer. Board reviews filed tax returns at next scheduled meeting. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 4 | Employee loans are Management approved. Management loans are Board approved. Loans to Board members are approved by the Board minus the lendee. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 5 | Executive and employee salaries are Board reviewed and approved. Board of directors are not compensated. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 6 | Credit 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/SupplementalInformationDetail/ExplanationTxt | 7 | Return amended due to omission of form 8925, detailing Credit Union owned life insurance contract. |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 0 | Form 990, Part VI, Line 6: Explanation of Classes of Members or Shareholder |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 1 | Form 990, Part VI, Line 7a: How Members or Shareholders Elect Governing Body |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 2 | Form 990, Part VI, Line 7b: Describe Decisions of Governing Body Approval by Members or Shareholders |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 3 | Form 990, Part VI, Line 11b: Form 990 Review Process |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 4 | Form 990, Part VI, Line 12c: Explanation of Monitoring and Enforcement of Conflicts |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 5 | Form 990, Part VI, Line 15a: Compensation Review & Approval Process - CEO, Top Management |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 6 | Form 990, Part VI, Line 19: Other Organization Documents Publicly Available |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 7 | Amended Explanation |
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| IRS990/SignificantChangeInd | 0 | false |
| IRS990/SignificantNewProgramSrvcInd | 0 | false |
| IRS990/SubjectToProxyTaxInd | 0 | false |
| IRS990/TaxableDistributionsInd | 0 | false |
| IRS990/TaxablePartyNotificationInd | 0 | false |
| IRS990/TaxExemptBondsInd | 0 | false |
| IRS990/TempOrPermanentEndowmentsInd | 0 | false |
| IRS990/TerminateOperationsInd | 0 | false |
| IRS990/TotalAssetsBOYAmt | 0 | 17374319 |
| IRS990/TotalAssetsEOYAmt | 0 | 17918105 |
| IRS990/TotalAssetsGrp/BOYAmt | 0 | 17374319 |
| IRS990/TotalAssetsGrp/EOYAmt | 0 | 17918105 |
| IRS990/TotalCompGreaterThan150KInd | 0 | false |
| IRS990/TotalContributionsAmt | 0 | 0 |
| IRS990/TotalEmployeeCnt | 0 | 5 |
| IRS990/TotalFunctionalExpensesGrp/FundraisingAmt | 0 | 0 |
| IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt | 0 | 0 |
| IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt | 0 | 0 |
| IRS990/TotalFunctionalExpensesGrp/TotalAmt | 0 | 726398 |
| IRS990/TotalGrossUBIAmt | 0 | 716 |
| IRS990/TotalLiabilitiesBOYAmt | 0 | 16029097 |
| IRS990/TotalLiabilitiesEOYAmt | 0 | 16581175 |
| IRS990/TotalLiabilitiesGrp/BOYAmt | 0 | 16029097 |
| IRS990/TotalLiabilitiesGrp/EOYAmt | 0 | 16581175 |
| IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt | 0 | 1345222 |
| IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt | 0 | 1336930 |
| IRS990/TotalOtherCompensationAmt | 0 | 13558 |
| IRS990/TotalProgramServiceRevenueAmt | 0 | 634554 |
| IRS990/TotalReportableCompFromOrgAmt | 0 | 100401 |
| IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 763527 |
| IRS990/TotalRevenueGrp/TotalRevenueColumnAmt | 0 | 764243 |
| IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt | 0 | 716 |
| IRS990/TotalVolunteersCnt | 0 | 10 |
| IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt | 0 | 17374319 |
| IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt | 0 | 17918105 |
| IRS990/TransactionWithControlEntInd | 0 | false |
| IRS990/TravelGrp/TotalAmt | 0 | 0 |
| IRS990/TrnsfrExmptNonChrtblRltdOrgInd | 0 | false |
| IRS990/TypeOfOrganizationCorpInd | 0 | X |
| IRS990/UnrelatedBusIncmOverLimitInd | 0 | false |
| IRS990/UponRequestInd | 0 | X |
| IRS990/VotingMembersGoverningBodyCnt | 0 | 7 |
| IRS990/VotingMembersIndependentCnt | 0 | 6 |
| IRS990/WebsiteAddressTxt | 0 | bsecu.org |
| IRS990/WhistleblowerPolicyInd | 0 | false |
| ReturnHeader/BuildTS | 0 | 2018-03-14 21:41:22Z |
| ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd | 0 | true |
| ReturnHeader/BusinessOfficerGrp/PersonNm | 0 | Drema Braun |
| ReturnHeader/BusinessOfficerGrp/PersonTitleTxt | 0 | Sec/Treas/CEO |
| ReturnHeader/BusinessOfficerGrp/SignatureDt | 0 | 2018-04-10 |
| ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt | 0 | BSE Credit Union |
| ReturnHeader/Filer/BusinessNameControlTxt | 0 | BSEC |
| ReturnHeader/Filer/EIN | 0 | 340826014 |
| ReturnHeader/Filer/PhoneNum | 0 | 4402439180 |
| ReturnHeader/Filer/USAddress/AddressLine1Txt | 0 | 19249 Bagley Road |
| ReturnHeader/Filer/USAddress/CityNm | 0 | Middleburg Heights |
| ReturnHeader/Filer/USAddress/StateAbbreviationCd | 0 | OH |
| ReturnHeader/Filer/USAddress/ZIPCd | 0 | 44130 |
| ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt | 0 | FINANCIAL STANDARDS GROUP INC |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt | 0 | 3615 NEWBURG RD |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm | 0 | LOUISVILLE |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd | 0 | KY |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd | 0 | 40218 |
| ReturnHeader/PreparerPersonGrp/PhoneNum | 0 | 8005225820 |
| ReturnHeader/PreparerPersonGrp/PreparerPersonNm | 0 | William Arvo CPA |
| ReturnHeader/ReturnTs | 0 | 2018-04-10T15:19:00-07:00 |
| ReturnHeader/ReturnTypeCd | 0 | 990 |
| ReturnHeader/TaxPeriodBeginDt | 0 | 2016-01-01 |
| ReturnHeader/TaxPeriodEndDt | 0 | 2016-12-31 |
| ReturnHeader/TaxYr | 0 | 2016 |
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Displayed year
2016 • Form 990Detailed filing. Detailed filing data is available for this year.