Liabilities / Assets
89th percentile
Higher debt load relative to assets than 89% of similar nonprofits.
Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.
Liabilities / Assets
89th percentile
Higher debt load relative to assets than 89% of similar nonprofits.
Liabilities / Revenue
76th percentile
Higher debt load relative to revenue than 76% of similar nonprofits.
Net Margin
15th percentile
Higher net margin than 15% of similar nonprofits.
Top Officer Pay
95th percentile
Higher top officer pay than 95% of similar nonprofits.
Top officer pay equals 20.7% of source-year revenue.
Asset Growth
86th percentile
Faster asset growth than 86% of similar nonprofits.
Revenue Growth
15th percentile
Faster revenue growth than 15% of similar nonprofits.
Assets
Up$20,112,776
Up $2,308,037 (+13%) from 2020
Net Assets
Down$1,597,262
Down $36,477 (-2.2%) from 2020
Liabilities
Up$18,515,514
Up $2,344,514 (+14%) from 2020
Revenue
Down$627,854
Down $95,255 (-13%) from 2020
Expenses
Down$664,331
Down $13,501 (-2.0%) from 2020
Net Income
Down-$36,477
Down $81,754 (-181%) from 2020
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 | $7,363,817 | $10,895,513 | ▲ $3,531,696 |
| Other Notes and Loans Receivable, Net | $6,385,589 | $5,375,815 | ▼ $1,009,774 |
| Savings and Temporary Cash Investments | $3,422,705 | $3,247,835 | ▼ $174,870 |
| Rtn Earn Endowment Incm Other Fnds | $1,633,739 | $1,597,262 | ▼ $36,477 |
| Cash and Non-Interest-Bearing Accounts | $261,575 | $192,785 | ▼ $68,790 |
| Land, Buildings, and Equipment, Net | $157,814 | $151,194 | ▼ $6,620 |
| Prepaid Expenses and Deferred Charges | $5,176 | $21,445 | ▲ $16,269 |
| 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 | $17,804,739 | $20,112,776 | ▲ $2,308,037 |
| Other Assets Total | $208,063 | $228,189 | ▲ $20,126 |
| Liabilities | |||
| Other Liabilities | $15,968,549 | $18,300,075 | ▲ $2,331,526 |
| Accounts Payable and Accrued Expenses | $202,451 | $215,439 | ▲ $12,988 |
| Total Liabilities | $16,171,000 | $18,515,514 | ▲ $2,344,514 |
| Net Assets / Fund Balance | |||
| Total Net Assets Fund Balance | $1,633,739 | $1,597,262 | ▼ $36,477 |
| Total Liabilities and Net Assets / Fund Balance | $17,804,739 | $20,112,776 | ▲ $2,308,037 |
| Asset | Book Value | Depreciation | Basis |
|---|---|---|---|
| Buildings | $34,415 | $358,864 | $393,279 |
| Other Land Buildings | $8,279 | $242,359 | $250,638 |
| Land | $108,500 | - | $108,500 |
| Name | Title | Full / Part Time | Base | Other | Total |
|---|---|---|---|---|---|
| Drema Braun | Sec/Treas/CEO | FT | $112,903 | $16,979 | $129,882 |
| 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 | $351,479 |
| Other Expenses | $312,852 |
| Grants and Similar Amounts Paid | $0 |
| Professional Fundraising Fees | $0 |
| Total Fundraising Expense | $0 |
| Line Item | Program | Management | Fundraising | Total |
|---|---|---|---|---|
| Other Salaries and Wages | - | - | - | $161,156 |
| Current Officers, Directors, Trustees, and Key Employees | - | - | - | $129,882 |
| Office Expenses | - | - | - | $70,569 |
| Occupancy | - | - | - | $39,090 |
| Other Employee Benefits | - | - | - | $38,981 |
| All Other Expenses | - | - | - | $27,946 |
| Advertising | - | - | - | $27,330 |
| Payroll Taxes | - | - | - | $21,460 |
| Insurance | - | - | - | $10,950 |
| Other Expenses | - | - | - | $10,329 |
| Fees for Services Accounting | - | - | - | $7,909 |
| Depreciation Depletion | - | - | - | $7,053 |
| Interest | - | - | - | $4,981 |
| Fees for Services Other | - | - | - | $3,153 |
| Total Functional Expenses | $0 | $0 | $0 | $664,331 |
| 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 | $18,300,075 |
“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 | 202451 |
| IRS990/AccountsPayableAccrExpnssGrp/EOYAmt | 0 | 215439 |
| 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 | 27330 |
| IRS990/AllOtherExpensesGrp/TotalAmt | 0 | 27946 |
| 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 | 261575 |
| IRS990/CashNonInterestBearingGrp/EOYAmt | 0 | 192785 |
| IRS990/ChangeToOrgDocumentsInd | 0 | false |
| IRS990/CntrctRcvdGreaterThan100KCnt | 0 | 0 |
| IRS990/CollectionsOfArtInd | 0 | false |
| IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt | 0 | 129882 |
| 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 | 131144 |
| IRS990/CYOtherExpensesAmt | 0 | 312852 |
| IRS990/CYOtherRevenueAmt | 0 | 0 |
| IRS990/CYProgramServiceRevenueAmt | 0 | 496710 |
| IRS990/CYRevenuesLessExpensesAmt | 0 | -36477 |
| IRS990/CYSalariesCompEmpBnftPaidAmt | 0 | 351479 |
| IRS990/CYTotalExpensesAmt | 0 | 664331 |
| IRS990/CYTotalFundraisingExpenseAmt | 0 | 0 |
| IRS990/CYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/CYTotalRevenueAmt | 0 | 627854 |
| IRS990/DecisionsSubjectToApprovaInd | 0 | true |
| IRS990/DeductibleArtContributionInd | 0 | false |
| IRS990/DeductibleNonCashContriInd | 0 | false |
| IRS990/DelegationOfMgmtDutiesInd | 0 | false |
| IRS990/DepreciationDepletionGrp/TotalAmt | 0 | 7053 |
| 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 2021 was 2,618. |
| 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 | 7909 |
| IRS990/FeesForServicesLegalGrp/TotalAmt | 0 | 0 |
| IRS990/FeesForServicesLobbyingGrp/TotalAmt | 0 | 0 |
| IRS990/FeesForServicesManagementGrp/TotalAmt | 0 | 0 |
| IRS990/FeesForServicesOtherGrp/TotalAmt | 0 | 3153 |
| 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 | 16979 |
| 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 | 112903 |
| 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 | 627854 |
| 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 | 10950 |
| IRS990/IntangibleAssetsGrp/EOYAmt | 0 | 0 |
| IRS990/InterestGrp/TotalAmt | 0 | 4981 |
| IRS990/InventoriesForSaleOrUseGrp/EOYAmt | 0 | 0 |
| IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt | 0 | 131144 |
| IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt | 0 | 131144 |
| IRS990/InvestmentInJointVentureInd | 0 | false |
| IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt | 0 | 7363817 |
| IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt | 0 | 10895513 |
| IRS990/InvestmentsProgramRelatedGrp/EOYAmt | 0 | 0 |
| IRS990/InvestmentsPubTradedSecGrp/EOYAmt | 0 | 0 |
| IRS990/IRPDocumentCnt | 0 | 43 |
| IRS990/IRPDocumentW2GCnt | 0 | 0 |
| IRS990/LandBldgEquipAccumDeprecAmt | 0 | 601223 |
| IRS990/LandBldgEquipBasisNetGrp/BOYAmt | 0 | 157814 |
| IRS990/LandBldgEquipBasisNetGrp/EOYAmt | 0 | 151194 |
| IRS990/LandBldgEquipCostOrOtherBssAmt | 0 | 752417 |
| 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 | 1633739 |
| IRS990/NetAssetsOrFundBalancesEOYAmt | 0 | 1597262 |
| 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 | 39090 |
| IRS990/OfficeExpensesGrp/TotalAmt | 0 | 70569 |
| IRS990/OfficerMailingAddressInd | 0 | false |
| IRS990/OperateHospitalInd | 0 | false |
| IRS990/Organization501cInd | 0 | X |
| IRS990/OrgDoesNotFollowFASB117Ind | 0 | X |
| IRS990/OtherAssetsTotalGrp/BOYAmt | 0 | 208063 |
| IRS990/OtherAssetsTotalGrp/EOYAmt | 0 | 228189 |
| IRS990/OtherEmployeeBenefitsGrp/TotalAmt | 0 | 38981 |
| IRS990/OtherExpensesGrp/Desc | 0 | ATM Expense |
| IRS990/OtherExpensesGrp/Desc | 1 | Card Services |
| IRS990/OtherExpensesGrp/Desc | 2 | Postage and Shipping |
| IRS990/OtherExpensesGrp/Desc | 3 | Loan Servicing Expenses |
| IRS990/OtherExpensesGrp/TotalAmt | 0 | 49650 |
| IRS990/OtherExpensesGrp/TotalAmt | 1 | 42190 |
| IRS990/OtherExpensesGrp/TotalAmt | 2 | 11702 |
| IRS990/OtherExpensesGrp/TotalAmt | 3 | 10329 |
| IRS990/OtherLiabilitiesGrp/BOYAmt | 0 | 15968549 |
| IRS990/OtherLiabilitiesGrp/EOYAmt | 0 | 18300075 |
| 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 | 161156 |
| IRS990/OthNotesLoansReceivableNetGrp/BOYAmt | 0 | 6385589 |
| IRS990/OthNotesLoansReceivableNetGrp/EOYAmt | 0 | 5375815 |
| IRS990/PartialLiquidationInd | 0 | false |
| IRS990/PaymentsToAffiliatesGrp/TotalAmt | 0 | 0 |
| IRS990/PayrollTaxesGrp/TotalAmt | 0 | 21460 |
| IRS990/PensionPlanContributionsGrp/TotalAmt | 0 | 0 |
| IRS990/PledgesAndGrantsReceivableGrp/EOYAmt | 0 | 0 |
| IRS990/PoliticalCampaignActyInd | 0 | false |
| IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt | 0 | 5176 |
| IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt | 0 | 21445 |
| 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 | 71995 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 1 | 65845 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 2 | 332780 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 3 | 2876 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 4 | 13187 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 0 | 71995 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 1 | 65845 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 2 | 332780 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 3 | 12687 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 4 | 13187 |
| IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt | 0 | 9811 |
| 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 2021 was 1,289. |
| IRS990/ProhibitedTaxShelterTransInd | 0 | false |
| IRS990/PYInvestmentIncomeAmt | 0 | 170300 |
| IRS990/PymtTravelEntrtnmntPubOfclGrp/TotalAmt | 0 | 0 |
| IRS990/PYOtherExpensesAmt | 0 | 312342 |
| IRS990/PYProgramServiceRevenueAmt | 0 | 552809 |
| IRS990/PYRevenuesLessExpensesAmt | 0 | 45277 |
| IRS990/PYSalariesCompEmpBnftPaidAmt | 0 | 365490 |
| IRS990/PYTotalExpensesAmt | 0 | 677832 |
| IRS990/PYTotalRevenueAmt | 0 | 723109 |
| IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt | 0 | 0 |
| IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt | 0 | 0 |
| IRS990/ReconcilationRevenueExpnssAmt | 0 | -36477 |
| 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 | 1633739 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt | 0 | 1597262 |
| IRS990/SavingsAndTempCashInvstGrp/BOYAmt | 0 | 3422705 |
| IRS990/SavingsAndTempCashInvstGrp/EOYAmt | 0 | 3247835 |
| IRS990/ScheduleBRequiredInd | 0 | false |
| IRS990ScheduleD/BuildingsGrp/BookValueAmt | 0 | 34415 |
| IRS990ScheduleD/BuildingsGrp/DepreciationAmt | 0 | 358864 |
| IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt | 0 | 393279 |
| IRS990ScheduleD/LandGrp/BookValueAmt | 0 | 108500 |
| IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt | 0 | 108500 |
| IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt | 0 | 8279 |
| IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt | 0 | 242359 |
| IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt | 0 | 250638 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 0 | 18300075 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 0 | Member Share Accounts |
| IRS990ScheduleD/TotalBookValueLandBuildingsAmt | 0 | 151194 |
| IRS990ScheduleD/TotalBookValueSecuritiesAmt | 0 | 10895513 |
| IRS990ScheduleD/TotalLiabilityAmt | 0 | 18300075 |
| 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/TaxablePartyNotificationInd | 0 | false |
| IRS990/TaxExemptBondsInd | 0 | false |
| IRS990/TerminateOperationsInd | 0 | false |
| IRS990/TotalAssetsBOYAmt | 0 | 17804739 |
| IRS990/TotalAssetsEOYAmt | 0 | 20112776 |
| IRS990/TotalAssetsGrp/BOYAmt | 0 | 17804739 |
| IRS990/TotalAssetsGrp/EOYAmt | 0 | 20112776 |
| 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 | 664331 |
| IRS990/TotalGrossUBIAmt | 0 | 9811 |
| IRS990/TotalLiabilitiesBOYAmt | 0 | 16171000 |
| IRS990/TotalLiabilitiesEOYAmt | 0 | 18515514 |
| IRS990/TotalLiabilitiesGrp/BOYAmt | 0 | 16171000 |
| IRS990/TotalLiabilitiesGrp/EOYAmt | 0 | 18515514 |
| IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt | 0 | 1633739 |
| IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt | 0 | 1597262 |
| IRS990/TotalOtherCompensationAmt | 0 | 16979 |
| IRS990/TotalOthProgramServiceRevGrp/RelatedOrExemptFuncIncomeAmt | 0 | 216 |
| IRS990/TotalOthProgramServiceRevGrp/TotalRevenueColumnAmt | 0 | 216 |
| IRS990/TotalProgramServiceRevenueAmt | 0 | 496710 |
| IRS990/TotalReportableCompFromOrgAmt | 0 | 112903 |
| IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 618043 |
| IRS990/TotalRevenueGrp/TotalRevenueColumnAmt | 0 | 627854 |
| IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt | 0 | 9811 |
| IRS990/TotalVolunteersCnt | 0 | 10 |
| IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt | 0 | 17804739 |
| IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt | 0 | 20112776 |
| 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/AdditionalFilerInformation/TrustedCustomerGrp/AuthenticationAssuranceLevelCd | 0 | AAL1 |
| ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/FederatedAssuranceLevelCd | 0 | FAL1 |
| ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/IdentityAssuranceLevelCd | 0 | IAL1 |
| ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/TrustedCustomerCd | 0 | 2 |
| ReturnHeader/BuildTS | 0 | 2022-09-23 18:48:47Z |
| ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd | 0 | true |
| ReturnHeader/BusinessOfficerGrp/PersonNm | 0 | Drema Braun |
| ReturnHeader/BusinessOfficerGrp/PersonTitleTxt | 0 | Sec/Treas/CEO |
| ReturnHeader/BusinessOfficerGrp/SignatureDt | 0 | 2022-05-15 |
| 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 | 2022-05-15T14:25:55-07:00 |
| ReturnHeader/ReturnTypeCd | 0 | 990 |
| ReturnHeader/SigningOfficerGrp/PersonFullName/PersonFirstNm | 0 | Drema |
| ReturnHeader/SigningOfficerGrp/PersonFullName/PersonLastNm | 0 | Braun |
| ReturnHeader/TaxPeriodBeginDt | 0 | 2021-01-01 |
| ReturnHeader/TaxPeriodEndDt | 0 | 2021-12-31 |
| ReturnHeader/TaxYr | 0 | 2021 |
No mirrored PDF or thumbnail assets are attached yet.
Displayed year
2021 • Form 990Detailed filing. Detailed filing data is available for this year.