Liabilities / Assets
82nd percentile
Higher debt load relative to assets than 82% of similar nonprofits.
Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.
Liabilities / Assets
82nd percentile
Higher debt load relative to assets than 82% of similar nonprofits.
Liabilities / Revenue
48th percentile
Higher debt load relative to revenue than 48% of similar nonprofits.
Net Margin
57th percentile
Higher net margin than 57% of similar nonprofits.
Top Officer Pay
91st percentile
Higher top officer pay than 91% of similar nonprofits.
Top officer pay equals 14.7% of source-year revenue.
Asset Growth
29th percentile
Faster asset growth than 29% of similar nonprofits.
Revenue Growth
81st percentile
Faster revenue growth than 81% of similar nonprofits.
Assets
Down$16,155,068
Down $259,375 (-1.6%) from 2018
Net Assets
Up$1,588,462
Up $110,674 (+7.5%) from 2018
Liabilities
Down$14,566,606
Down $370,049 (-2.5%) from 2018
Revenue
Up$843,121
Up $88,997 (+12%) from 2018
Expenses
Up$732,447
Up $32,669 (+4.7%) from 2018
Net Income
Up$110,674
Up $56,328 (+104%) from 2018
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 | |||
| Other Notes and Loans Receivable, Net | $6,221,914 | $6,370,986 | ▲ $149,072 |
| Investments Other Securities | $6,836,712 | $6,024,612 | ▼ $812,100 |
| Savings and Temporary Cash Investments | $2,880,927 | $3,277,065 | ▲ $396,138 |
| Rtn Earn Endowment Incm Other Fnds | $1,477,788 | $1,588,462 | ▲ $110,674 |
| Land, Buildings, and Equipment, Net | $165,935 | $162,250 | ▼ $3,685 |
| Cash and Non-Interest-Bearing Accounts | $78,245 | $93,021 | ▲ $14,776 |
| Prepaid Expenses and Deferred Charges | $9,290 | $7,401 | ▼ $1,889 |
| 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 | $16,414,443 | $16,155,068 | ▼ $259,375 |
| Other Assets Total | $221,420 | $219,733 | ▼ $1,687 |
| Liabilities | |||
| Other Liabilities | $14,763,220 | $14,382,685 | ▼ $380,535 |
| Accounts Payable and Accrued Expenses | $173,435 | $183,921 | ▲ $10,486 |
| Total Liabilities | $14,936,655 | $14,566,606 | ▼ $370,049 |
| Net Assets / Fund Balance | |||
| Total Net Assets Fund Balance | $1,477,788 | $1,588,462 | ▲ $110,674 |
| Total Liabilities and Net Assets / Fund Balance | $16,414,443 | $16,155,068 | ▼ $259,375 |
| Asset | Book Value | Depreciation | Basis |
|---|---|---|---|
| Buildings | $36,345 | $351,893 | $388,238 |
| Other Land Buildings | $17,405 | $232,801 | $250,206 |
| Land | $108,500 | - | $108,500 |
| Name | Title | Full / Part Time | Base | Other | Total |
|---|---|---|---|---|---|
| Drema Braun | Sec/Treas/CEO | FT | $109,537 | $14,176 | $123,713 |
| 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 | $388,003 |
| Other Expenses | $344,444 |
| Grants and Similar Amounts Paid | $0 |
| Professional Fundraising Fees | $0 |
| Total Fundraising Expense | $0 |
| Line Item | Program | Management | Fundraising | Total |
|---|---|---|---|---|
| Other Salaries and Wages | - | - | - | $185,477 |
| Current Officers, Directors, Trustees, and Key Employees | - | - | - | $123,713 |
| Office Expenses | - | - | - | $73,051 |
| Other Employee Benefits | - | - | - | $55,891 |
| Occupancy | - | - | - | $45,846 |
| Advertising | - | - | - | $32,936 |
| All Other Expenses | - | - | - | $23,487 |
| Payroll Taxes | - | - | - | $22,922 |
| Insurance | - | - | - | $12,610 |
| Depreciation Depletion | - | - | - | $10,558 |
| Fees for Services Accounting | - | - | - | $10,001 |
| Other Expenses | - | - | - | $8,114 |
| Interest | - | - | - | $4,476 |
| Fees for Services Legal | - | - | - | $700 |
| Total Functional Expenses | $0 | $0 | $0 | $732,447 |
| 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 | $14,382,685 |
“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 | 173435 |
| IRS990/AccountsPayableAccrExpnssGrp/EOYAmt | 0 | 183921 |
| 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 | 32936 |
| IRS990/AllOtherExpensesGrp/TotalAmt | 0 | 23487 |
| 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/BusinessRlnWith35CtrlEntInd | 0 | false |
| IRS990/BusinessRlnWithFamMemInd | 0 | false |
| IRS990/BusinessRlnWithOrgMemInd | 0 | false |
| IRS990/CashNonInterestBearingGrp/BOYAmt | 0 | 78245 |
| IRS990/CashNonInterestBearingGrp/EOYAmt | 0 | 93021 |
| IRS990/ChangeToOrgDocumentsInd | 0 | false |
| IRS990/CntrctRcvdGreaterThan100KCnt | 0 | 0 |
| IRS990/CollectionsOfArtInd | 0 | false |
| IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt | 0 | 123713 |
| 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 | 201966 |
| IRS990/CYOtherExpensesAmt | 0 | 344444 |
| IRS990/CYOtherRevenueAmt | 0 | 0 |
| IRS990/CYProgramServiceRevenueAmt | 0 | 641155 |
| IRS990/CYRevenuesLessExpensesAmt | 0 | 110674 |
| IRS990/CYSalariesCompEmpBnftPaidAmt | 0 | 388003 |
| IRS990/CYTotalExpensesAmt | 0 | 732447 |
| IRS990/CYTotalFundraisingExpenseAmt | 0 | 0 |
| IRS990/CYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/CYTotalRevenueAmt | 0 | 843121 |
| IRS990/DecisionsSubjectToApprovaInd | 0 | true |
| IRS990/DeductibleArtContributionInd | 0 | false |
| IRS990/DeductibleNonCashContriInd | 0 | false |
| IRS990/DelegationOfMgmtDutiesInd | 0 | false |
| IRS990/DepreciationDepletionGrp/TotalAmt | 0 | 10558 |
| 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 2019 was 2,738. |
| IRS990/DescribedInSection501c3Ind | 0 | false |
| IRS990/DisregardedEntityInd | 0 | false |
| IRS990/DocumentRetentionPolicyInd | 0 | true |
| IRS990/DonorAdvisedFundInd | 0 | false |
| IRS990/DonorRstrOrQuasiEndowmentsInd | 0 | false |
| IRS990/ElectionOfBoardMembersInd | 0 | true |
| IRS990/EmployeeCnt | 0 | 5 |
| IRS990/EmploymentTaxReturnsFiledInd | 0 | true |
| IRS990/FamilyOrBusinessRlnInd | 0 | false |
| IRS990/FederalGrantAuditRequiredInd | 0 | false |
| IRS990/FeesForServicesAccountingGrp/TotalAmt | 0 | 10001 |
| IRS990/FeesForServicesLegalGrp/TotalAmt | 0 | 700 |
| 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 | 40.00 |
| 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 | 1.00 |
| 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 | 14176 |
| 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 | 0 |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 0 | Drema Braun |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 1 | John Dossa JR |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 2 | Jeff Domonkos |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 3 | Tim Gerding |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 4 | Vickie A McDonald |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 5 | Jack Winget |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 6 | Glenn Blatnica |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 0 | 109537 |
| 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 | 0 |
| 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 | Sec/Treas/CEO |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 1 | Director |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 2 | Director |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 3 | President |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 4 | Director |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 5 | Director |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 6 | Vice President |
| 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 | 843121 |
| 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 | 12610 |
| IRS990/IntangibleAssetsGrp/EOYAmt | 0 | 0 |
| IRS990/InterestGrp/TotalAmt | 0 | 4476 |
| IRS990/InventoriesForSaleOrUseGrp/EOYAmt | 0 | 0 |
| IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt | 0 | 201966 |
| IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt | 0 | 201966 |
| IRS990/InvestmentInJointVentureInd | 0 | false |
| IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt | 0 | 6836712 |
| IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt | 0 | 6024612 |
| IRS990/InvestmentsProgramRelatedGrp/EOYAmt | 0 | 0 |
| IRS990/InvestmentsPubTradedSecGrp/EOYAmt | 0 | 0 |
| IRS990/IRPDocumentCnt | 0 | 45 |
| IRS990/IRPDocumentW2GCnt | 0 | 0 |
| IRS990/LandBldgEquipAccumDeprecAmt | 0 | 584694 |
| IRS990/LandBldgEquipBasisNetGrp/BOYAmt | 0 | 165935 |
| IRS990/LandBldgEquipBasisNetGrp/EOYAmt | 0 | 162250 |
| IRS990/LandBldgEquipCostOrOtherBssAmt | 0 | 746944 |
| IRS990/LegalDomicileStateCd | 0 | OH |
| 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 | 1477788 |
| IRS990/NetAssetsOrFundBalancesEOYAmt | 0 | 1588462 |
| 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/NondeductibleContributionsInd | 0 | false |
| IRS990/OccupancyGrp/TotalAmt | 0 | 45846 |
| IRS990/OfficeExpensesGrp/TotalAmt | 0 | 73051 |
| IRS990/OfficerMailingAddressInd | 0 | false |
| IRS990/OperateHospitalInd | 0 | false |
| IRS990/Organization501cInd | 0 | X |
| IRS990/OrgDoesNotFollowFASB117Ind | 0 | X |
| IRS990/OtherAssetsTotalGrp/BOYAmt | 0 | 221420 |
| IRS990/OtherAssetsTotalGrp/EOYAmt | 0 | 219733 |
| IRS990/OtherEmployeeBenefitsGrp/TotalAmt | 0 | 55891 |
| 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 | 91086 |
| IRS990/OtherExpensesGrp/TotalAmt | 1 | 19500 |
| IRS990/OtherExpensesGrp/TotalAmt | 2 | 12079 |
| IRS990/OtherExpensesGrp/TotalAmt | 3 | 8114 |
| IRS990/OtherLiabilitiesGrp/BOYAmt | 0 | 14763220 |
| IRS990/OtherLiabilitiesGrp/EOYAmt | 0 | 14382685 |
| IRS990/OtherRevenueMiscGrp/BusinessCd | 0 | 525990 |
| IRS990/OtherRevenueMiscGrp/BusinessCd | 1 | 525990 |
| IRS990/OtherRevenueMiscGrp/Desc | 0 | iPay Revenue |
| IRS990/OtherRevenueMiscGrp/Desc | 1 | Misc Operating Income |
| IRS990/OtherRevenueTotalAmt | 0 | 0 |
| IRS990/OtherSalariesAndWagesGrp/TotalAmt | 0 | 185477 |
| IRS990/OthNotesLoansReceivableNetGrp/BOYAmt | 0 | 6221914 |
| IRS990/OthNotesLoansReceivableNetGrp/EOYAmt | 0 | 6370986 |
| IRS990/PartialLiquidationInd | 0 | false |
| IRS990/PaymentsToAffiliatesGrp/TotalAmt | 0 | 0 |
| IRS990/PayrollTaxesGrp/TotalAmt | 0 | 22922 |
| IRS990/PensionPlanContributionsGrp/TotalAmt | 0 | 0 |
| IRS990/PledgesAndGrantsReceivableGrp/EOYAmt | 0 | 0 |
| IRS990/PoliticalCampaignActyInd | 0 | false |
| IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt | 0 | 9290 |
| IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt | 0 | 7401 |
| IRS990/ProfessionalFundraisingInd | 0 | false |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 0 | 522100 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 1 | 522100 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 2 | 522100 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 3 | 525990 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 4 | 522100 |
| IRS990/ProgramServiceRevenueGrp/Desc | 0 | Fees & Charges |
| IRS990/ProgramServiceRevenueGrp/Desc | 1 | Interchange Revenue |
| IRS990/ProgramServiceRevenueGrp/Desc | 2 | Interest on Loans |
| IRS990/ProgramServiceRevenueGrp/Desc | 3 | Misc Operating Income |
| IRS990/ProgramServiceRevenueGrp/Desc | 4 | Other Program Income |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 95074 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 1 | 61587 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 2 | 423972 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 3 | 8232 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 4 | 43441 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 0 | 95074 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 1 | 61587 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 2 | 423972 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 3 | 16755 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 4 | 43441 |
| IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt | 0 | 8523 |
| 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 2019 was 2,738. |
| IRS990/ProhibitedTaxShelterTransInd | 0 | false |
| IRS990/PYInvestmentIncomeAmt | 0 | 174920 |
| IRS990/PymtTravelEntrtnmntPubOfclGrp/TotalAmt | 0 | 0 |
| IRS990/PYOtherExpensesAmt | 0 | 340249 |
| IRS990/PYOtherRevenueAmt | 0 | 20063 |
| IRS990/PYProgramServiceRevenueAmt | 0 | 559141 |
| IRS990/PYRevenuesLessExpensesAmt | 0 | 54346 |
| IRS990/PYSalariesCompEmpBnftPaidAmt | 0 | 359529 |
| IRS990/PYTotalExpensesAmt | 0 | 699778 |
| IRS990/PYTotalRevenueAmt | 0 | 754124 |
| IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt | 0 | 0 |
| IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt | 0 | 0 |
| IRS990/ReconcilationRevenueExpnssAmt | 0 | 110674 |
| 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 | 1477788 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt | 0 | 1588462 |
| IRS990/SavingsAndTempCashInvstGrp/BOYAmt | 0 | 2880927 |
| IRS990/SavingsAndTempCashInvstGrp/EOYAmt | 0 | 3277065 |
| IRS990/ScheduleBRequiredInd | 0 | false |
| IRS990ScheduleD/BuildingsGrp/BookValueAmt | 0 | 36345 |
| IRS990ScheduleD/BuildingsGrp/DepreciationAmt | 0 | 351893 |
| IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt | 0 | 388238 |
| IRS990ScheduleD/LandGrp/BookValueAmt | 0 | 108500 |
| IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt | 0 | 108500 |
| IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt | 0 | 17405 |
| IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt | 0 | 232801 |
| IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt | 0 | 250206 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 0 | 14382685 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 0 | Member Share Accounts |
| IRS990ScheduleD/TotalBookValueLandBuildingsAmt | 0 | 162250 |
| IRS990ScheduleD/TotalBookValueSecuritiesAmt | 0 | 6024612 |
| IRS990ScheduleD/TotalLiabilityAmt | 0 | 14382685 |
| 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 |
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| IRS990/SignificantChangeInd | 0 | false |
| IRS990/SignificantNewProgramSrvcInd | 0 | false |
| IRS990/SubjectToExcsTaxNetInvstIncInd | 0 | false |
| IRS990/SubjectToProxyTaxInd | 0 | false |
| IRS990/SubjToTaxRmnrtnExPrchtPymtInd | 0 | false |
| IRS990/TaxablePartyNotificationInd | 0 | false |
| IRS990/TaxExemptBondsInd | 0 | false |
| IRS990/TerminateOperationsInd | 0 | false |
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| IRS990/TotalAssetsEOYAmt | 0 | 16155068 |
| IRS990/TotalAssetsGrp/BOYAmt | 0 | 16414443 |
| IRS990/TotalAssetsGrp/EOYAmt | 0 | 16155068 |
| 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 | 732447 |
| IRS990/TotalGrossUBIAmt | 0 | 8849 |
| IRS990/TotalLiabilitiesBOYAmt | 0 | 14936655 |
| IRS990/TotalLiabilitiesEOYAmt | 0 | 14566606 |
| IRS990/TotalLiabilitiesGrp/BOYAmt | 0 | 14936655 |
| IRS990/TotalLiabilitiesGrp/EOYAmt | 0 | 14566606 |
| IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt | 0 | 1477788 |
| IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt | 0 | 1588462 |
| IRS990/TotalOtherCompensationAmt | 0 | 14176 |
| IRS990/TotalOthProgramServiceRevGrp/TotalRevenueColumnAmt | 0 | 326 |
| IRS990/TotalOthProgramServiceRevGrp/UnrelatedBusinessRevenueAmt | 0 | 326 |
| IRS990/TotalProgramServiceRevenueAmt | 0 | 641155 |
| IRS990/TotalReportableCompFromOrgAmt | 0 | 109537 |
| IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 834272 |
| IRS990/TotalRevenueGrp/TotalRevenueColumnAmt | 0 | 843121 |
| IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt | 0 | 8849 |
| IRS990/TotalVolunteersCnt | 0 | 10 |
| IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt | 0 | 16414443 |
| IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt | 0 | 16155068 |
| 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 | 2020-09-23 17:36:50Z |
| ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd | 0 | true |
| ReturnHeader/BusinessOfficerGrp/PersonNm | 0 | Drema Braun |
| ReturnHeader/BusinessOfficerGrp/PersonTitleTxt | 0 | Sec/Treas/CEO |
| ReturnHeader/BusinessOfficerGrp/SignatureDt | 0 | 2020-05-04 |
| 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 | Patrick Haughey |
| ReturnHeader/ReturnTs | 0 | 2020-05-04T10:06:17-07:00 |
| ReturnHeader/ReturnTypeCd | 0 | 990 |
| ReturnHeader/TaxPeriodBeginDt | 0 | 2019-01-01 |
| ReturnHeader/TaxPeriodEndDt | 0 | 2019-12-31 |
| ReturnHeader/TaxYr | 0 | 2019 |
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Displayed year
2019 • Form 990Detailed filing. Detailed filing data is available for this year.