Liabilities / Assets
85th percentile
Higher debt load relative to assets than 85% of similar nonprofits.
Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.
Liabilities / Assets
85th percentile
Higher debt load relative to assets than 85% of similar nonprofits.
Liabilities / Revenue
61st percentile
Higher debt load relative to revenue than 61% of similar nonprofits.
Net Margin
37th percentile
Higher net margin than 37% of similar nonprofits.
Top Officer Pay
93rd percentile
Higher top officer pay than 93% of similar nonprofits.
Top officer pay equals 16.1% of source-year revenue.
Asset Growth
47th percentile
Faster asset growth than 47% of similar nonprofits.
Revenue Growth
3rd percentile
Faster revenue growth than 3% of similar nonprofits.
Assets
Down$16,414,443
Down $13,047 (-0.1%) from 2017
Net Assets
Up$1,477,788
Up $54,346 (+3.8%) from 2017
Liabilities
Down$14,936,655
Down $67,393 (-0.4%) from 2017
Revenue
Down$754,124
Down $41,604 (-5.2%) from 2017
Expenses
Down$699,778
Down $9,438 (-1.3%) from 2017
Net Income
Down$54,346
Down $32,166 (-37%) from 2017
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 | $6,406,830 | $6,836,712 | ▲ $429,882 |
| Other Notes and Loans Receivable, Net | $6,537,681 | $6,221,914 | ▼ $315,767 |
| Savings and Temporary Cash Investments | $2,986,521 | $2,880,927 | ▼ $105,594 |
| Rtn Earn Endowment Incm Other Fnds | $1,423,442 | $1,477,788 | ▲ $54,346 |
| Land, Buildings, and Equipment, Net | $151,931 | $165,935 | ▲ $14,004 |
| Cash and Non-Interest-Bearing Accounts | $95,409 | $78,245 | ▼ $17,164 |
| Prepaid Expenses and Deferred Charges | $9,729 | $9,290 | ▼ $439 |
| 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 | $16,427,490 | $16,414,443 | ▼ $13,047 |
| Other Assets Total | $239,389 | $221,420 | ▼ $17,969 |
| Liabilities | |||
| Other Liabilities | $14,836,882 | $14,763,220 | ▼ $73,662 |
| Accounts Payable and Accrued Expenses | $167,166 | $173,435 | ▲ $6,269 |
| Total Liabilities | $15,004,048 | $14,936,655 | ▼ $67,393 |
| Net Assets / Fund Balance | |||
| Total Net Assets Fund Balance | $1,423,442 | $1,477,788 | ▲ $54,346 |
| Total Liabilities and Net Assets / Fund Balance | $16,427,490 | $16,414,443 | ▼ $13,047 |
| Asset | Book Value | Depreciation | Basis |
|---|---|---|---|
| Buildings | $42,822 | $345,416 | $388,238 |
| Other Land Buildings | $14,613 | $228,722 | $243,335 |
| Land | $108,500 | - | $108,500 |
| Name | Title | Full / Part Time | Base | Other | Total |
|---|---|---|---|---|---|
| Drema Braun | Sec/Treas/CEO | FT | $105,431 | $15,764 | $121,195 |
| Name | Title |
|---|---|
| Tim Gerding | President |
| Glenn Blatnica | Vice President |
| Jack Winget | Director |
| Jeff Domonkos | Director |
| John Dossa JR | Director |
| Vickie A McDonald | Director |
| Line Item | Amount |
|---|---|
| Salaries, Compensation, and Employee Benefits | $359,529 |
| Other Expenses | $340,249 |
| Grants and Similar Amounts Paid | $0 |
| Professional Fundraising Fees | $0 |
| Total Fundraising Expense | $0 |
| Line Item | Program | Management | Fundraising | Total |
|---|---|---|---|---|
| Other Salaries and Wages | - | - | - | $178,324 |
| Current Officers, Directors, Trustees, and Key Employees | - | - | - | $121,195 |
| Office Expenses | - | - | - | $74,746 |
| Occupancy | - | - | - | $40,468 |
| Other Employee Benefits | - | - | - | $38,184 |
| Advertising | - | - | - | $32,107 |
| Payroll Taxes | - | - | - | $21,826 |
| All Other Expenses | - | - | - | $19,834 |
| Insurance | - | - | - | $11,656 |
| Depreciation Depletion | - | - | - | $8,697 |
| Other Expenses | - | - | - | $8,227 |
| Fees for Services Accounting | - | - | - | $7,620 |
| Interest | - | - | - | $4,633 |
| Fees for Services Other | - | - | - | $1,582 |
| Fees for Services Legal | - | - | - | $1,334 |
| Total Functional Expenses | $0 | $0 | $0 | $699,778 |
| 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 | $14,763,220 |
“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.”
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 | 167166 |
| IRS990/AccountsPayableAccrExpnssGrp/EOYAmt | 0 | 173435 |
| 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 | 32107 |
| IRS990/AllAffiliatesIncludedInd | 0 | false |
| IRS990/AllOtherExpensesGrp/TotalAmt | 0 | 19834 |
| 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 | 95409 |
| IRS990/CashNonInterestBearingGrp/EOYAmt | 0 | 78245 |
| IRS990/ChangeToOrgDocumentsInd | 0 | false |
| IRS990/CntrctRcvdGreaterThan100KCnt | 0 | 0 |
| IRS990/CollectionsOfArtInd | 0 | false |
| IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt | 0 | 121195 |
| 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 | 174920 |
| IRS990/CYOtherExpensesAmt | 0 | 340249 |
| IRS990/CYOtherRevenueAmt | 0 | 20063 |
| IRS990/CYProgramServiceRevenueAmt | 0 | 559141 |
| IRS990/CYRevenuesLessExpensesAmt | 0 | 54346 |
| IRS990/CYSalariesCompEmpBnftPaidAmt | 0 | 359529 |
| IRS990/CYTotalExpensesAmt | 0 | 699778 |
| IRS990/CYTotalFundraisingExpenseAmt | 0 | 0 |
| IRS990/CYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/CYTotalRevenueAmt | 0 | 754124 |
| IRS990/DAFExcessBusinessHoldingsInd | 0 | false |
| IRS990/DecisionsSubjectToApprovaInd | 0 | true |
| IRS990/DeductibleArtContributionInd | 0 | false |
| IRS990/DeductibleNonCashContriInd | 0 | false |
| IRS990/DelegationOfMgmtDutiesInd | 0 | false |
| IRS990/DepreciationDepletionGrp/TotalAmt | 0 | 8697 |
| 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 2018 was 2,798. |
| 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/EscrowAccountInd | 0 | false |
| IRS990/FamilyOrBusinessRlnInd | 0 | false |
| IRS990/FederalGrantAuditRequiredInd | 0 | false |
| IRS990/FeesForServicesAccountingGrp/TotalAmt | 0 | 7620 |
| IRS990/FeesForServicesLegalGrp/TotalAmt | 0 | 1334 |
| IRS990/FeesForServicesLobbyingGrp/TotalAmt | 0 | 0 |
| IRS990/FeesForServicesManagementGrp/TotalAmt | 0 | 0 |
| IRS990/FeesForServicesOtherGrp/TotalAmt | 0 | 1582 |
| 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 | 15764 |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 0 | John Dossa JR |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 1 | Jeff Domonkos |
| 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 | 105431 |
| 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 | Director |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 1 | Director |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 2 | President |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 3 | Director |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 4 | Director |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 5 | Vice President |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 6 | Sec/Treas/CEO |
| IRS990/Form990ProvidedToGvrnBodyInd | 0 | false |
| IRS990/Form990TFiledInd | 0 | true |
| 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 | 754124 |
| 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 | 11656 |
| IRS990/IntangibleAssetsGrp/EOYAmt | 0 | 0 |
| IRS990/InterestGrp/TotalAmt | 0 | 4633 |
| IRS990/InventoriesForSaleOrUseGrp/EOYAmt | 0 | 0 |
| IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt | 0 | 174920 |
| IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt | 0 | 174920 |
| IRS990/InvestmentInJointVentureInd | 0 | false |
| IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt | 0 | 6406830 |
| IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt | 0 | 6836712 |
| 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 | 574138 |
| IRS990/LandBldgEquipBasisNetGrp/BOYAmt | 0 | 151931 |
| IRS990/LandBldgEquipBasisNetGrp/EOYAmt | 0 | 165935 |
| IRS990/LandBldgEquipCostOrOtherBssAmt | 0 | 740073 |
| IRS990/LegalDomicileStateCd | 0 | OH |
| IRS990/LicensedMoreThanOneStateInd | 0 | false |
| IRS990/LoanOutstandingInd | 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 | 1423442 |
| IRS990/NetAssetsOrFundBalancesEOYAmt | 0 | 1477788 |
| 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 | -5280 |
| IRS990/NondeductibleContributionsInd | 0 | false |
| IRS990/OccupancyGrp/TotalAmt | 0 | 40468 |
| IRS990/OfficeExpensesGrp/TotalAmt | 0 | 74746 |
| 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 | 239389 |
| IRS990/OtherAssetsTotalGrp/EOYAmt | 0 | 221420 |
| IRS990/OtherEmployeeBenefitsGrp/TotalAmt | 0 | 38184 |
| IRS990/OtherExpensesGrp/Desc | 0 | ATM Expense |
| IRS990/OtherExpensesGrp/Desc | 1 | Provision for Loan Losses |
| IRS990/OtherExpensesGrp/Desc | 2 | Postage and Shipping |
| IRS990/OtherExpensesGrp/Desc | 3 | Loan Servicing Expenses |
| IRS990/OtherExpensesGrp/TotalAmt | 0 | 91154 |
| IRS990/OtherExpensesGrp/TotalAmt | 1 | 27500 |
| IRS990/OtherExpensesGrp/TotalAmt | 2 | 10691 |
| IRS990/OtherExpensesGrp/TotalAmt | 3 | 8227 |
| IRS990/OtherLiabilitiesGrp/BOYAmt | 0 | 14836882 |
| IRS990/OtherLiabilitiesGrp/EOYAmt | 0 | 14763220 |
| IRS990/OtherRevenueMiscGrp/BusinessCd | 0 | 525990 |
| IRS990/OtherRevenueMiscGrp/BusinessCd | 1 | 525990 |
| IRS990/OtherRevenueMiscGrp/Desc | 0 | iPay Revenue |
| IRS990/OtherRevenueMiscGrp/Desc | 1 | Misc Operating Income |
| IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt | 0 | 16736 |
| IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt | 0 | 405 |
| IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt | 1 | 19658 |
| IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt | 0 | 405 |
| IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt | 1 | 2922 |
| IRS990/OtherRevenueTotalAmt | 0 | 20063 |
| IRS990/OtherSalariesAndWagesGrp/TotalAmt | 0 | 178324 |
| IRS990/OthNotesLoansReceivableNetGrp/BOYAmt | 0 | 6537681 |
| IRS990/OthNotesLoansReceivableNetGrp/EOYAmt | 0 | 6221914 |
| IRS990/PartialLiquidationInd | 0 | false |
| IRS990/PaymentsToAffiliatesGrp/TotalAmt | 0 | 0 |
| IRS990/PayrollTaxesGrp/TotalAmt | 0 | 21826 |
| IRS990/PensionPlanContributionsGrp/TotalAmt | 0 | 0 |
| IRS990/PledgesAndGrantsReceivableGrp/EOYAmt | 0 | 0 |
| IRS990/PoliticalCampaignActyInd | 0 | false |
| IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt | 0 | 9729 |
| IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt | 0 | 9290 |
| 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 | 97828 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 1 | 62107 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 2 | 419817 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 3 | -20611 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 0 | 97828 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 1 | 62107 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 2 | 419817 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 3 | -20611 |
| 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 2018 was 1,438. |
| IRS990/ProhibitedTaxShelterTransInd | 0 | false |
| IRS990/PYInvestmentIncomeAmt | 0 | 134806 |
| IRS990/PymtTravelEntrtnmntPubOfclGrp/TotalAmt | 0 | 0 |
| IRS990/PYOtherExpensesAmt | 0 | 350658 |
| IRS990/PYOtherRevenueAmt | 0 | 606 |
| IRS990/PYProgramServiceRevenueAmt | 0 | 660316 |
| IRS990/PYRevenuesLessExpensesAmt | 0 | 86512 |
| IRS990/PYSalariesCompEmpBnftPaidAmt | 0 | 358558 |
| IRS990/PYTotalExpensesAmt | 0 | 709216 |
| IRS990/PYTotalRevenueAmt | 0 | 795728 |
| IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt | 0 | 0 |
| IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt | 0 | 0 |
| IRS990/ReconcilationRevenueExpnssAmt | 0 | 54346 |
| 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 | 1423442 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt | 0 | 1477788 |
| IRS990/SavingsAndTempCashInvstGrp/BOYAmt | 0 | 2986521 |
| IRS990/SavingsAndTempCashInvstGrp/EOYAmt | 0 | 2880927 |
| IRS990/ScheduleBRequiredInd | 0 | false |
| IRS990ScheduleD/BuildingsGrp/BookValueAmt | 0 | 42822 |
| IRS990ScheduleD/BuildingsGrp/DepreciationAmt | 0 | 345416 |
| IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt | 0 | 388238 |
| IRS990ScheduleD/LandGrp/BookValueAmt | 0 | 108500 |
| IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt | 0 | 108500 |
| IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt | 0 | 14613 |
| IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt | 0 | 228722 |
| IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt | 0 | 243335 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 0 | 14763220 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 0 | Member Share Accounts |
| IRS990ScheduleD/TotalBookValueLandBuildingsAmt | 0 | 165935 |
| IRS990ScheduleD/TotalBookValueSecuritiesAmt | 0 | 6836712 |
| IRS990ScheduleD/TotalLiabilityAmt | 0 | 14763220 |
| 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/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 |
| IRS990/SchoolOperatingInd | 0 | false |
| IRS990/SignificantChangeInd | 0 | false |
| IRS990/SignificantNewProgramSrvcInd | 0 | false |
| IRS990/SubjectToExcsTaxNetInvstIncInd | 0 | false |
| IRS990/SubjectToProxyTaxInd | 0 | false |
| IRS990/SubjToTaxRmnrtnExPrchtPymtInd | 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 | 16427490 |
| IRS990/TotalAssetsEOYAmt | 0 | 16414443 |
| IRS990/TotalAssetsGrp/BOYAmt | 0 | 16427490 |
| IRS990/TotalAssetsGrp/EOYAmt | 0 | 16414443 |
| 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 | 699778 |
| IRS990/TotalGrossUBIAmt | 0 | 3327 |
| IRS990/TotalLiabilitiesBOYAmt | 0 | 15004048 |
| IRS990/TotalLiabilitiesEOYAmt | 0 | 14936655 |
| IRS990/TotalLiabilitiesGrp/BOYAmt | 0 | 15004048 |
| IRS990/TotalLiabilitiesGrp/EOYAmt | 0 | 14936655 |
| IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt | 0 | 1423442 |
| IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt | 0 | 1477788 |
| IRS990/TotalOtherCompensationAmt | 0 | 15764 |
| IRS990/TotalProgramServiceRevenueAmt | 0 | 559141 |
| IRS990/TotalReportableCompFromOrgAmt | 0 | 105431 |
| IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 750797 |
| IRS990/TotalRevenueGrp/TotalRevenueColumnAmt | 0 | 754124 |
| IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt | 0 | 3327 |
| IRS990/TotalVolunteersCnt | 0 | 10 |
| IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt | 0 | 16427490 |
| IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt | 0 | 16414443 |
| IRS990/TravelGrp/TotalAmt | 0 | 0 |
| IRS990/TypeOfOrganizationCorpInd | 0 | X |
| IRS990/UnrelatedBusIncmOverLimitInd | 0 | true |
| IRS990/UponRequestInd | 0 | X |
| IRS990/USAddress/AddressLine1Txt | 0 | 19249 Bagley Road |
| IRS990/USAddress/CityNm | 0 | Middleburg Heights |
| IRS990/USAddress/StateAbbreviationCd | 0 | OH |
| IRS990/USAddress/ZIPCd | 0 | 44130 |
| IRS990/VotingMembersGoverningBodyCnt | 0 | 7 |
| IRS990/VotingMembersIndependentCnt | 0 | 6 |
| IRS990/WebsiteAddressTxt | 0 | bsecu.org |
| IRS990/WhistleblowerPolicyInd | 0 | false |
| ReturnHeader/BuildTS | 0 | 2019-02-21 02:37:17Z |
| ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd | 0 | true |
| ReturnHeader/BusinessOfficerGrp/PersonNm | 0 | Drema Braun |
| ReturnHeader/BusinessOfficerGrp/PersonTitleTxt | 0 | Sec/Treas/CEO |
| ReturnHeader/BusinessOfficerGrp/SignatureDt | 0 | 2019-05-08 |
| 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/PreparerFirmEIN | 0 | 650152722 |
| ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt | 0 | FINANCIAL STANDARDS GROUP INC |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt | 0 | 6447 W HIGHWAY 146 |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm | 0 | CRESTWOOD |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd | 0 | KY |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd | 0 | 40014 |
| ReturnHeader/PreparerPersonGrp/PhoneNum | 0 | 8005225820 |
| ReturnHeader/PreparerPersonGrp/PreparerPersonNm | 0 | Paul Anderson |
| ReturnHeader/ReturnTs | 0 | 2019-05-08T05:05:17-07:00 |
| ReturnHeader/ReturnTypeCd | 0 | 990 |
| ReturnHeader/TaxPeriodBeginDt | 0 | 2018-01-01 |
| ReturnHeader/TaxPeriodEndDt | 0 | 2018-12-31 |
| ReturnHeader/TaxYr | 0 | 2018 |
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Displayed year
2018 • Form 990Detailed filing. Detailed filing data is available for this year.