Liabilities / Assets
37th percentile
Higher debt load relative to assets than 37% of similar nonprofits.
EIN 34-4360015 • 501(c)14 • Oregon, OH
Profile
The mission of Bay Area Credit Union, Inc. is to be personally committed to delivering valued financial solutions.
Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.
Liabilities / Assets
37th percentile
Higher debt load relative to assets than 37% of similar nonprofits.
Liabilities / Revenue
39th percentile
Higher debt load relative to revenue than 39% of similar nonprofits.
Net Margin
48th percentile
Higher net margin than 48% of similar nonprofits.
Top Officer Pay
91st percentile
Higher top officer pay than 91% of similar nonprofits.
Top officer pay equals 5.9% of source-year revenue.
Asset Growth
67th percentile
Faster asset growth than 67% of similar nonprofits.
Revenue Growth
13th percentile
Faster revenue growth than 13% of similar nonprofits.
Assets
Up$80,010,962
Up $599,569 (+0.8%) from 2021
Liabilities
Up$70,347,237
Up $359,016 (+0.5%) from 2021
Net Assets
Up$9,663,725
Up $240,553 (+2.6%) from 2021
Revenue
Up$3,651,914
Up $96,345 (+2.7%) from 2021
Expenses
Up$3,375,914
Up $329,345 (+11%) from 2021
Net Income
Down$276,000
Down $233,000 (-46%) from 2021
Most recent year
2022 • Form 990XML pending. An XML filing is linked for this year, but detailed extraction is still pending.
The latest 2022 filing currently has linked XML that has not been fully parsed yet. Showing the latest detailed filing from 2020 below.
The mission of Bay Area Credit Union, Inc. is to be personally committed to delivering valued financial solutions.
Bay Area Credit Union, Inc. is a financial institution cooperative organized to provide loan and deposit products and services to the member owners.
| Line | Beginning | End | Change |
|---|---|---|---|
| Assets | |||
| Other Notes and Loans Receivable, Net | $41,831,671 | $42,727,659 | ▲ $895,988 |
| Investments Program Related | $20,265,045 | $19,440,824 | ▼ $824,221 |
| Rtn Earn Endowment Incm Other Fnds | $8,155,035 | $8,570,450 | ▲ $415,415 |
| Savings and Temporary Cash Investments | $1,293,028 | $3,110,792 | ▲ $1,817,764 |
| Land, Buildings, and Equipment, Net | $1,739,788 | $1,696,442 | ▼ $43,346 |
| Cash and Non-Interest-Bearing Accounts | $165,877 | $675,233 | ▲ $509,356 |
| Receivables From Officers Etc | $-1,595 | $269,894 | ▲ $271,489 |
| Prepaid Expenses and Deferred Charges | $110,701 | $157,601 | ▲ $46,900 |
| Accounts Receivable | $0 | $0 | → $0 |
| Pledges and Grants Receivable | $0 | $0 | → $0 |
| Receivable From Disqualified Prsn | $0 | $0 | → $0 |
| Investments Other Securities | $0 | $0 | → $0 |
| Investments in Publicly Traded Securities | $0 | $0 | → $0 |
| Pd in Cap Srpls Land Bldg Eqp Fund | $0 | $0 | → $0 |
| Cap Stk Tr Prin Current Funds | $0 | $0 | → $0 |
| Intangible Assets | $0 | $0 | → $0 |
| Inventories for Sale or Use | $0 | $0 | → $0 |
| Loans From Officers Directors | $0 | $0 | → $0 |
| Total Assets | $66,095,849 | $74,466,813 | ▲ $8,370,964 |
| Other Assets Total | $691,334 | $6,388,368 | ▲ $5,697,034 |
| Liabilities | |||
| Other Liabilities | $57,030,240 | $64,970,853 | ▲ $7,940,613 |
| Accounts Payable and Accrued Expenses | $910,574 | $925,510 | ▲ $14,936 |
| Grants Payable | $0 | $0 | → $0 |
| Mortgage Notes Payable Secured by Investment Property | $0 | $0 | → $0 |
| Unsecured Notes Loans Payable | $0 | $0 | → $0 |
| Deferred Revenue | $0 | $0 | → $0 |
| Escrow Account Liability | $0 | $0 | → $0 |
| Tax Exempt Bond Liabilities | $0 | $0 | → $0 |
| Total Liabilities | $57,940,814 | $65,896,363 | ▲ $7,955,549 |
| Net Assets / Fund Balance | |||
| Total Net Assets Fund Balance | $8,155,035 | $8,570,450 | ▲ $415,415 |
| Total Liabilities and Net Assets / Fund Balance | $66,095,849 | $74,466,813 | ▲ $8,370,964 |
| Asset | Book Value | Depreciation | Basis |
|---|---|---|---|
| Buildings | $762,516 | $1,014,840 | $1,777,356 |
| Land | $800,000 | - | $800,000 |
| Equipment | $133,926 | $343,520 | $477,446 |
| Investment Program Related Org | $444,042 | - | - |
| Other Land Buildings | $0 | $0 | $0 |
| Leasehold Improvements | $0 | $0 | $0 |
| Other Assets Org | $4,598 | - | - |
| Name | Title | Full / Part Time | Base | Other | Total |
|---|---|---|---|---|---|
| Jennifer Tober | Chief Executive Officer / Director | FT | $122,009 | $104,533 | $226,542 |
| Name | Title |
|---|---|
| Stan Kendrioski | Chairman of the Board |
| Michael Jaksetic | Vice Chairman of the Board |
| Barry Ramlow | Director |
| Kyle McDaniel | Director |
| Dawn Bassett | Secretary of the Board |
| Daniel Meisner | Treasurer of the Board |
| Line Item | Amount |
|---|---|
| Other Expenses | $1,658,095 |
| Salaries, Compensation, and Employee Benefits | $1,522,495 |
| Grants and Similar Amounts Paid | $0 |
| Professional Fundraising Fees | $0 |
| Total Fundraising Expense | $0 |
| Line Item | Program | Management | Fundraising | Total |
|---|---|---|---|---|
| Other Salaries and Wages | $604,578 | $303,537 | $0 | $908,115 |
| Other Employee Benefits | $110,187 | $176,706 | $0 | $286,893 |
| Interest | $277,674 | $0 | $0 | $277,674 |
| Information Technology | $181,178 | $0 | $0 | $181,178 |
| Current Officers, Directors, Trustees, and Key Employees | $0 | $143,177 | $0 | $143,177 |
| Pension Plan Contributions | $51,998 | $56,331 | $0 | $108,329 |
| Occupancy | $79,458 | $19,865 | $0 | $99,323 |
| Depreciation Depletion | $87,712 | $0 | $0 | $87,712 |
| Payroll Taxes | $36,471 | $39,510 | $0 | $75,981 |
| Advertising | $74,363 | $0 | $0 | $74,363 |
| Office Expenses | $70,649 | $0 | $0 | $70,649 |
| Conferences and Meetings | $37,225 | $1,598 | $0 | $38,823 |
| Fees for Services Accounting | $0 | $24,485 | $0 | $24,485 |
| Insurance | $23,574 | $0 | $0 | $23,574 |
| Fees for Services Management | $0 | $18,489 | $0 | $18,489 |
| Other Expenses | $0 | $15,366 | $0 | $15,366 |
| Fees for Services Other | $5,608 | $0 | $0 | $5,608 |
| Fees for Services Legal | $3,589 | $0 | $0 | $3,589 |
| Total Functional Expenses | $2,381,526 | $799,064 | $0 | $3,180,590 |
| Line Item | Amount |
|---|---|
| Expenses per Audited Statements | $3,180,590 |
| Total Expenses per Audited Statements | $3,180,590 |
| Total Expenses per Form 990 | $3,180,590 |
| Expenses Not Reported on Financial Statements | $0 |
| Expenses Not Reported on Form 990 | $0 |
| Other Expense Adjustments | $0 |
| Line Item | Amount |
|---|---|
| Professional Fundraising Fees | $0 |
| Line Item | Beginning | End | Change |
|---|---|---|---|
| Receivables from Officers, Directors, Trustees, and Key Employees | $-1,595 | $269,894 | ▲ $271,489 |
| Loans from Officers, Directors, Trustees, and Key Employees | $0 | $0 | → $0 |
| Receivables from Disqualified Persons | $0 | $0 | → $0 |
| Liability | Amount |
|---|---|
| Members share savings | $30,994,385 |
| Members draft checking | $11,640,589 |
| Members money market savings | $10,636,286 |
| Members share certificates | $6,547,764 |
| Members IRA certificates | $3,659,816 |
| Members IRA savings | $1,492,013 |
“All credit unions by charter are member owned.”
“All of the governing body is elected by the membership.”
“The 990 is reviewed by management and the Board of Directors prior to submission.”
“The conflict of interest policy is reviewed by the employees and the Board of Directors annually.”
“Compensation of key employees is approved by the Board of Directors. Independent compensation surveys are utilized as a tool in setting compensation levels.”
“The governing documents, conflict of interest policy, and financial documents are made available upon request.”
“The change in net fund balances represents the unrealized loss in pension fund assets.”
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 | 0 |
| IRS990/AccountsPayableAccrExpnssGrp/BOYAmt | 0 | 910574 |
| IRS990/AccountsPayableAccrExpnssGrp/EOYAmt | 0 | 925510 |
| IRS990/AccountsReceivableGrp/BOYAmt | 0 | 0 |
| IRS990/AccountsReceivableGrp/EOYAmt | 0 | 0 |
| IRS990/ActivitiesConductedPrtshpInd | 0 | 0 |
| IRS990/ActivityOrMissionDesc | 0 | Bay Area Credit Union, Inc. is a financial institution cooperative organized to provide loan and deposit products and services to the member owners. |
| IRS990/AdvertisingGrp/FundraisingAmt | 0 | 0 |
| IRS990/AdvertisingGrp/ManagementAndGeneralAmt | 0 | 0 |
| IRS990/AdvertisingGrp/ProgramServicesAmt | 0 | 74363 |
| IRS990/AdvertisingGrp/TotalAmt | 0 | 74363 |
| IRS990/AnnualDisclosureCoveredPrsnInd | 0 | 1 |
| IRS990/AuditCommitteeInd | 0 | 1 |
| IRS990/BackupWthldComplianceInd | 0 | 1 |
| IRS990/BenefitsToMembersGrp/ProgramServicesAmt | 0 | 0 |
| IRS990/BenefitsToMembersGrp/TotalAmt | 0 | 0 |
| IRS990/BooksInCareOfDetail/PersonNm | 0 | Jennifer Tober |
| IRS990/BooksInCareOfDetail/PhoneNum | 0 | 4196982962 |
| IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt | 0 | 4202 Navarre Avenue |
| IRS990/BooksInCareOfDetail/USAddress/CityNm | 0 | Oregon |
| IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd | 0 | OH |
| IRS990/BooksInCareOfDetail/USAddress/ZIPCd | 0 | 43616 |
| IRS990/BusinessRlnWith35CtrlEntInd | 0 | 0 |
| IRS990/BusinessRlnWithFamMemInd | 0 | 0 |
| IRS990/BusinessRlnWithOrgMemInd | 0 | 0 |
| IRS990/CapStkTrPrinCurrentFundsGrp/BOYAmt | 0 | 0 |
| IRS990/CapStkTrPrinCurrentFundsGrp/EOYAmt | 0 | 0 |
| IRS990/CashNonInterestBearingGrp/BOYAmt | 0 | 165877 |
| IRS990/CashNonInterestBearingGrp/EOYAmt | 0 | 675233 |
| IRS990/ChangeToOrgDocumentsInd | 0 | 0 |
| IRS990/CntrctRcvdGreaterThan100KCnt | 0 | 0 |
| IRS990/CollectionsOfArtInd | 0 | 0 |
| IRS990/CompCurrentOfcrDirectorsGrp/FundraisingAmt | 0 | 0 |
| IRS990/CompCurrentOfcrDirectorsGrp/ManagementAndGeneralAmt | 0 | 143177 |
| IRS990/CompCurrentOfcrDirectorsGrp/ProgramServicesAmt | 0 | 0 |
| IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt | 0 | 143177 |
| IRS990/CompDisqualPersonsGrp/FundraisingAmt | 0 | 0 |
| IRS990/CompDisqualPersonsGrp/ManagementAndGeneralAmt | 0 | 0 |
| IRS990/CompDisqualPersonsGrp/ProgramServicesAmt | 0 | 0 |
| IRS990/CompDisqualPersonsGrp/TotalAmt | 0 | 0 |
| IRS990/CompensationFromOtherSrcsInd | 0 | 0 |
| IRS990/CompensationProcessCEOInd | 0 | 1 |
| IRS990/CompensationProcessOtherInd | 0 | 1 |
| IRS990/ConferencesMeetingsGrp/FundraisingAmt | 0 | 0 |
| IRS990/ConferencesMeetingsGrp/ManagementAndGeneralAmt | 0 | 1598 |
| IRS990/ConferencesMeetingsGrp/ProgramServicesAmt | 0 | 37225 |
| IRS990/ConferencesMeetingsGrp/TotalAmt | 0 | 38823 |
| IRS990/ConflictOfInterestPolicyInd | 0 | 1 |
| IRS990/ConservationEasementsInd | 0 | 0 |
| IRS990/ConsolidatedAuditFinclStmtInd | 0 | 0 |
| IRS990/CreditCounselingInd | 0 | 0 |
| IRS990/CYBenefitsPaidToMembersAmt | 0 | 0 |
| IRS990/CYContributionsGrantsAmt | 0 | 0 |
| IRS990/CYGrantsAndSimilarPaidAmt | 0 | 0 |
| IRS990/CYInvestmentIncomeAmt | 0 | 375143 |
| IRS990/CYOtherExpensesAmt | 0 | 1658095 |
| IRS990/CYOtherRevenueAmt | 0 | 0 |
| IRS990/CYProgramServiceRevenueAmt | 0 | 3333447 |
| IRS990/CYRevenuesLessExpensesAmt | 0 | 528000 |
| IRS990/CYSalariesCompEmpBnftPaidAmt | 0 | 1522495 |
| IRS990/CYTotalExpensesAmt | 0 | 3180590 |
| IRS990/CYTotalFundraisingExpenseAmt | 0 | 0 |
| IRS990/CYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/CYTotalRevenueAmt | 0 | 3708590 |
| IRS990/DecisionsSubjectToApprovaInd | 0 | 0 |
| IRS990/DeductibleArtContributionInd | 0 | 0 |
| IRS990/DeductibleNonCashContriInd | 0 | 0 |
| IRS990/DeferredRevenueGrp/BOYAmt | 0 | 0 |
| IRS990/DeferredRevenueGrp/EOYAmt | 0 | 0 |
| IRS990/DelegationOfMgmtDutiesInd | 0 | 0 |
| IRS990/DepreciationDepletionGrp/FundraisingAmt | 0 | 0 |
| IRS990/DepreciationDepletionGrp/ManagementAndGeneralAmt | 0 | 0 |
| IRS990/DepreciationDepletionGrp/ProgramServicesAmt | 0 | 87712 |
| IRS990/DepreciationDepletionGrp/TotalAmt | 0 | 87712 |
| IRS990/Desc | 0 | The organization is a state chartered member owned cooperative credit union that provides financial products and services to the member owners. |
| IRS990/DescribedInSection501c3Ind | 0 | 0 |
| IRS990/DisregardedEntityInd | 0 | 0 |
| IRS990/DocumentRetentionPolicyInd | 0 | 1 |
| IRS990/DonatedServicesAndUseFcltsAmt | 0 | 0 |
| IRS990/DonorAdvisedFundInd | 0 | 0 |
| IRS990/DonorRstrOrQuasiEndowmentsInd | 0 | 0 |
| IRS990/ElectionOfBoardMembersInd | 0 | 1 |
| IRS990/EmployeeCnt | 0 | 23 |
| IRS990/EmploymentTaxReturnsFiledInd | 0 | 1 |
| IRS990/EscrowAccountLiabilityGrp/BOYAmt | 0 | 0 |
| IRS990/EscrowAccountLiabilityGrp/EOYAmt | 0 | 0 |
| IRS990/ExpenseAmt | 0 | 2381526 |
| IRS990/FamilyOrBusinessRlnInd | 0 | 0 |
| IRS990/FederalGrantAuditRequiredInd | 0 | 0 |
| IRS990/FeesForServicesAccountingGrp/FundraisingAmt | 0 | 0 |
| IRS990/FeesForServicesAccountingGrp/ManagementAndGeneralAmt | 0 | 24485 |
| IRS990/FeesForServicesAccountingGrp/ProgramServicesAmt | 0 | 0 |
| IRS990/FeesForServicesAccountingGrp/TotalAmt | 0 | 24485 |
| IRS990/FeesForServicesLegalGrp/FundraisingAmt | 0 | 0 |
| IRS990/FeesForServicesLegalGrp/ManagementAndGeneralAmt | 0 | 0 |
| IRS990/FeesForServicesLegalGrp/ProgramServicesAmt | 0 | 3589 |
| IRS990/FeesForServicesLegalGrp/TotalAmt | 0 | 3589 |
| IRS990/FeesForServicesLobbyingGrp/FundraisingAmt | 0 | 0 |
| IRS990/FeesForServicesLobbyingGrp/ManagementAndGeneralAmt | 0 | 0 |
| IRS990/FeesForServicesLobbyingGrp/ProgramServicesAmt | 0 | 0 |
| IRS990/FeesForServicesLobbyingGrp/TotalAmt | 0 | 0 |
| IRS990/FeesForServicesManagementGrp/FundraisingAmt | 0 | 0 |
| IRS990/FeesForServicesManagementGrp/ManagementAndGeneralAmt | 0 | 18489 |
| IRS990/FeesForServicesManagementGrp/ProgramServicesAmt | 0 | 0 |
| IRS990/FeesForServicesManagementGrp/TotalAmt | 0 | 18489 |
| IRS990/FeesForServicesOtherGrp/FundraisingAmt | 0 | 0 |
| IRS990/FeesForServicesOtherGrp/ManagementAndGeneralAmt | 0 | 0 |
| IRS990/FeesForServicesOtherGrp/ProgramServicesAmt | 0 | 5608 |
| IRS990/FeesForServicesOtherGrp/TotalAmt | 0 | 5608 |
| IRS990/FeesForServicesProfFundraising/FundraisingAmt | 0 | 0 |
| IRS990/FeesForServicesProfFundraising/TotalAmt | 0 | 0 |
| IRS990/FeesForSrvcInvstMgmntFeesGrp/FundraisingAmt | 0 | 0 |
| IRS990/FeesForSrvcInvstMgmntFeesGrp/ManagementAndGeneralAmt | 0 | 0 |
| IRS990/FeesForSrvcInvstMgmntFeesGrp/ProgramServicesAmt | 0 | 0 |
| IRS990/FeesForSrvcInvstMgmntFeesGrp/TotalAmt | 0 | 0 |
| IRS990/ForeignActivitiesInd | 0 | 0 |
| IRS990/ForeignFinancialAccountInd | 0 | 0 |
| IRS990/ForeignGrantsGrp/ProgramServicesAmt | 0 | 0 |
| IRS990/ForeignGrantsGrp/TotalAmt | 0 | 0 |
| IRS990/ForeignOfficeInd | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 6 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 0 | 40 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 1 | 1 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 2 | 1 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 3 | 1 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 4 | 1 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 5 | 1 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 6 | 1 |
| IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd | 0 | X |
| 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/KeyEmployeeInd | 0 | X |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 0 | 83350 |
| 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 | Jennifer Tober |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 1 | Stan Kendrioski |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 2 | Michael Jaksetic |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 3 | Daniel Meisner |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 4 | Dawn Bassett |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 5 | Barry Ramlow |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 6 | Kyle McDaniel |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 0 | 143177 |
| 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 | Chief Executive Officer / Director |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 1 | Chairman of the Board |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 2 | Vice Chairman of the Board |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 3 | Treasurer of the Board |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 4 | Secretary of the Board |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 5 | Director |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 6 | Director |
| IRS990/Form990ProvidedToGvrnBodyInd | 0 | 1 |
| IRS990/Form990TFiledInd | 0 | 1 |
| IRS990/FormationYr | 0 | 1934 |
| IRS990/FormerOfcrEmployeesListedInd | 0 | 0 |
| IRS990/FSAuditedBasisGrp/SeparateBasisFinclStmtInd | 0 | X |
| IRS990/FSAuditedInd | 0 | 1 |
| IRS990/FundraisingActivitiesInd | 0 | 0 |
| IRS990/GainOrLossGrp/OtherAmt | 0 | 0 |
| IRS990/GainOrLossGrp/SecuritiesAmt | 0 | 0 |
| IRS990/GamingActivitiesInd | 0 | 0 |
| IRS990/GoverningBodyVotingMembersCnt | 0 | 7 |
| IRS990/GrantAmt | 0 | 0 |
| IRS990/GrantsPayableGrp/BOYAmt | 0 | 0 |
| IRS990/GrantsPayableGrp/EOYAmt | 0 | 0 |
| IRS990/GrantsToDomesticIndividualsGrp/ProgramServicesAmt | 0 | 0 |
| IRS990/GrantsToDomesticIndividualsGrp/TotalAmt | 0 | 0 |
| IRS990/GrantsToDomesticOrgsGrp/ProgramServicesAmt | 0 | 0 |
| IRS990/GrantsToDomesticOrgsGrp/TotalAmt | 0 | 0 |
| IRS990/GrantsToIndividualsInd | 0 | 0 |
| IRS990/GrantsToOrganizationsInd | 0 | 0 |
| IRS990/GrantToRelatedPersonInd | 0 | 0 |
| IRS990/GrossReceiptsAmt | 0 | 3708590 |
| IRS990/GroupReturnForAffiliatesInd | 0 | 0 |
| IRS990/IncludeFIN48FootnoteInd | 0 | 0 |
| IRS990/IncmFromInvestBondProceedsGrp/ExclusionAmt | 0 | 0 |
| IRS990/IncmFromInvestBondProceedsGrp/RelatedOrExemptFuncIncomeAmt | 0 | 0 |
| IRS990/IncmFromInvestBondProceedsGrp/TotalRevenueColumnAmt | 0 | 0 |
| IRS990/IncmFromInvestBondProceedsGrp/UnrelatedBusinessRevenueAmt | 0 | 0 |
| IRS990/IndependentAuditFinclStmtInd | 0 | 1 |
| IRS990/IndependentVotingMemberCnt | 0 | 6 |
| IRS990/IndivRcvdGreaterThan100KCnt | 0 | 1 |
| IRS990/IndoorTanningServicesInd | 0 | 0 |
| IRS990/InfoInScheduleOPartVIInd | 0 | X |
| IRS990/InfoInScheduleOPartXIInd | 0 | X |
| IRS990/InformationTechnologyGrp/FundraisingAmt | 0 | 0 |
| IRS990/InformationTechnologyGrp/ManagementAndGeneralAmt | 0 | 0 |
| IRS990/InformationTechnologyGrp/ProgramServicesAmt | 0 | 181178 |
| IRS990/InformationTechnologyGrp/TotalAmt | 0 | 181178 |
| IRS990/InsuranceGrp/FundraisingAmt | 0 | 0 |
| IRS990/InsuranceGrp/ManagementAndGeneralAmt | 0 | 0 |
| IRS990/InsuranceGrp/ProgramServicesAmt | 0 | 23574 |
| IRS990/InsuranceGrp/TotalAmt | 0 | 23574 |
| IRS990/IntangibleAssetsGrp/BOYAmt | 0 | 0 |
| IRS990/IntangibleAssetsGrp/EOYAmt | 0 | 0 |
| IRS990/InterestGrp/FundraisingAmt | 0 | 0 |
| IRS990/InterestGrp/ManagementAndGeneralAmt | 0 | 0 |
| IRS990/InterestGrp/ProgramServicesAmt | 0 | 277674 |
| IRS990/InterestGrp/TotalAmt | 0 | 277674 |
| IRS990/InventoriesForSaleOrUseGrp/BOYAmt | 0 | 0 |
| IRS990/InventoriesForSaleOrUseGrp/EOYAmt | 0 | 0 |
| IRS990/InvestmentExpenseAmt | 0 | 0 |
| IRS990/InvestmentIncomeGrp/ExclusionAmt | 0 | 0 |
| IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt | 0 | 375143 |
| IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt | 0 | 375143 |
| IRS990/InvestmentIncomeGrp/UnrelatedBusinessRevenueAmt | 0 | 0 |
| IRS990/InvestmentInJointVentureInd | 0 | 0 |
| IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt | 0 | 0 |
| IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt | 0 | 0 |
| IRS990/InvestmentsProgramRelatedGrp/BOYAmt | 0 | 20265045 |
| IRS990/InvestmentsProgramRelatedGrp/EOYAmt | 0 | 19440824 |
| IRS990/InvestmentsPubTradedSecGrp/BOYAmt | 0 | 0 |
| IRS990/InvestmentsPubTradedSecGrp/EOYAmt | 0 | 0 |
| IRS990/IRPDocumentCnt | 0 | 1089 |
| IRS990/IRPDocumentW2GCnt | 0 | 0 |
| IRS990/LandBldgEquipAccumDeprecAmt | 0 | 1358360 |
| IRS990/LandBldgEquipBasisNetGrp/BOYAmt | 0 | 1739788 |
| IRS990/LandBldgEquipBasisNetGrp/EOYAmt | 0 | 1696442 |
| IRS990/LandBldgEquipCostOrOtherBssAmt | 0 | 3054802 |
| IRS990/LegalDomicileStateCd | 0 | OH |
| IRS990/LoanOutstandingInd | 0 | 1 |
| IRS990/LoansFromOfficersDirectorsGrp/BOYAmt | 0 | 0 |
| IRS990/LoansFromOfficersDirectorsGrp/EOYAmt | 0 | 0 |
| IRS990/LocalChaptersInd | 0 | 0 |
| IRS990/MaterialDiversionOrMisuseInd | 0 | 0 |
| IRS990/MembersOrStockholdersInd | 0 | 1 |
| IRS990/MethodOfAccountingAccrualInd | 0 | X |
| IRS990/MinutesOfCommitteesInd | 0 | 1 |
| IRS990/MinutesOfGoverningBodyInd | 0 | 1 |
| IRS990/MissionDesc | 0 | The mission of Bay Area Credit Union, Inc. is to be personally committed to delivering financial solutions. |
| IRS990/MoreThan5000KToIndividualsInd | 0 | 0 |
| IRS990/MoreThan5000KToOrgInd | 0 | 0 |
| IRS990/MortgNotesPyblScrdInvstPropGrp/BOYAmt | 0 | 0 |
| IRS990/MortgNotesPyblScrdInvstPropGrp/EOYAmt | 0 | 0 |
| IRS990/NetAssetsOrFundBalancesBOYAmt | 0 | 8155035 |
| IRS990/NetAssetsOrFundBalancesEOYAmt | 0 | 8570450 |
| IRS990/NetUnrelatedBusTxblIncmAmt | 0 | 0 |
| IRS990/NetUnrlzdGainsLossesInvstAmt | 0 | 0 |
| IRS990/NondeductibleContributionsInd | 0 | 0 |
| IRS990/OccupancyGrp/FundraisingAmt | 0 | 0 |
| IRS990/OccupancyGrp/ManagementAndGeneralAmt | 0 | 19865 |
| IRS990/OccupancyGrp/ProgramServicesAmt | 0 | 79458 |
| IRS990/OccupancyGrp/TotalAmt | 0 | 99323 |
| IRS990/OfficeExpensesGrp/FundraisingAmt | 0 | 0 |
| IRS990/OfficeExpensesGrp/ManagementAndGeneralAmt | 0 | 0 |
| IRS990/OfficeExpensesGrp/ProgramServicesAmt | 0 | 70649 |
| IRS990/OfficeExpensesGrp/TotalAmt | 0 | 70649 |
| IRS990/OfficerMailingAddressInd | 0 | 0 |
| IRS990/OperateHospitalInd | 0 | 0 |
| IRS990/Organization501cInd | 0 | X |
| IRS990/OrgDoesNotFollowFASB117Ind | 0 | X |
| IRS990/OtherAssetsTotalGrp/BOYAmt | 0 | 691334 |
| IRS990/OtherAssetsTotalGrp/EOYAmt | 0 | 6388368 |
| IRS990/OtherChangesInNetAssetsAmt | 0 | -112585 |
| IRS990/OtherEmployeeBenefitsGrp/FundraisingAmt | 0 | 0 |
| IRS990/OtherEmployeeBenefitsGrp/ManagementAndGeneralAmt | 0 | 176706 |
| IRS990/OtherEmployeeBenefitsGrp/ProgramServicesAmt | 0 | 110187 |
| IRS990/OtherEmployeeBenefitsGrp/TotalAmt | 0 | 286893 |
| IRS990/OtherExpensesGrp/Desc | 0 | Loan servicing (dealer, collection, credit card) |
| IRS990/OtherExpensesGrp/Desc | 1 | Share servicing (ATM, debit, draft) |
| IRS990/OtherExpensesGrp/Desc | 2 | Regulators |
| IRS990/OtherExpensesGrp/FundraisingAmt | 0 | 0 |
| IRS990/OtherExpensesGrp/FundraisingAmt | 1 | 0 |
| IRS990/OtherExpensesGrp/FundraisingAmt | 2 | 0 |
| IRS990/OtherExpensesGrp/ManagementAndGeneralAmt | 0 | 0 |
| IRS990/OtherExpensesGrp/ManagementAndGeneralAmt | 1 | 0 |
| IRS990/OtherExpensesGrp/ManagementAndGeneralAmt | 2 | 15366 |
| IRS990/OtherExpensesGrp/ProgramServicesAmt | 0 | 325178 |
| IRS990/OtherExpensesGrp/ProgramServicesAmt | 1 | 412084 |
| IRS990/OtherExpensesGrp/ProgramServicesAmt | 2 | 0 |
| IRS990/OtherExpensesGrp/TotalAmt | 0 | 325178 |
| IRS990/OtherExpensesGrp/TotalAmt | 1 | 412084 |
| IRS990/OtherExpensesGrp/TotalAmt | 2 | 15366 |
| IRS990/OtherLiabilitiesGrp/BOYAmt | 0 | 57030240 |
| IRS990/OtherLiabilitiesGrp/EOYAmt | 0 | 64970853 |
| IRS990/OtherRevenueTotalAmt | 0 | 0 |
| IRS990/OtherSalariesAndWagesGrp/FundraisingAmt | 0 | 0 |
| IRS990/OtherSalariesAndWagesGrp/ManagementAndGeneralAmt | 0 | 303537 |
| IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt | 0 | 604578 |
| IRS990/OtherSalariesAndWagesGrp/TotalAmt | 0 | 908115 |
| IRS990/OthNotesLoansReceivableNetGrp/BOYAmt | 0 | 41831671 |
| IRS990/OthNotesLoansReceivableNetGrp/EOYAmt | 0 | 42727659 |
| IRS990/PartialLiquidationInd | 0 | 0 |
| IRS990/PaymentsToAffiliatesGrp/FundraisingAmt | 0 | 0 |
| IRS990/PaymentsToAffiliatesGrp/ManagementAndGeneralAmt | 0 | 0 |
| IRS990/PaymentsToAffiliatesGrp/ProgramServicesAmt | 0 | 0 |
| IRS990/PaymentsToAffiliatesGrp/TotalAmt | 0 | 0 |
| IRS990/PayrollTaxesGrp/FundraisingAmt | 0 | 0 |
| IRS990/PayrollTaxesGrp/ManagementAndGeneralAmt | 0 | 39510 |
| IRS990/PayrollTaxesGrp/ProgramServicesAmt | 0 | 36471 |
| IRS990/PayrollTaxesGrp/TotalAmt | 0 | 75981 |
| IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt | 0 | 0 |
| IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt | 0 | 0 |
| IRS990/PensionPlanContributionsGrp/FundraisingAmt | 0 | 0 |
| IRS990/PensionPlanContributionsGrp/ManagementAndGeneralAmt | 0 | 56331 |
| IRS990/PensionPlanContributionsGrp/ProgramServicesAmt | 0 | 51998 |
| IRS990/PensionPlanContributionsGrp/TotalAmt | 0 | 108329 |
| IRS990/PledgesAndGrantsReceivableGrp/BOYAmt | 0 | 0 |
| IRS990/PledgesAndGrantsReceivableGrp/EOYAmt | 0 | 0 |
| IRS990/PoliticalCampaignActyInd | 0 | 0 |
| IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt | 0 | 110701 |
| IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt | 0 | 157601 |
| IRS990/PrincipalOfficerNm | 0 | Jennifer Tober |
| IRS990/PriorPeriodAdjustmentsAmt | 0 | 0 |
| IRS990/ProfessionalFundraisingInd | 0 | 0 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 0 | 522130 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 1 | 522130 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 2 | 522130 |
| IRS990/ProgramServiceRevenueGrp/Desc | 0 | Interest on loans to members |
| IRS990/ProgramServiceRevenueGrp/Desc | 1 | Fees to members |
| IRS990/ProgramServiceRevenueGrp/Desc | 2 | ATM surcharges to nonmembers |
| IRS990/ProgramServiceRevenueGrp/ExclusionAmt | 0 | 0 |
| IRS990/ProgramServiceRevenueGrp/ExclusionAmt | 1 | 0 |
| IRS990/ProgramServiceRevenueGrp/ExclusionAmt | 2 | 0 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 2129249 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 1 | 1200481 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 2 | 0 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 0 | 2129249 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 1 | 1200481 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 2 | 3717 |
| IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt | 0 | 0 |
| IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt | 1 | 0 |
| IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt | 2 | 3717 |
| IRS990/ProhibitedTaxShelterTransInd | 0 | 0 |
| IRS990/PYBenefitsPaidToMembersAmt | 0 | 0 |
| IRS990/PYContributionsGrantsAmt | 0 | 0 |
| IRS990/PYGrantsAndSimilarPaidAmt | 0 | 0 |
| IRS990/PYInvestmentIncomeAmt | 0 | 659909 |
| IRS990/PymtTravelEntrtnmntPubOfclGrp/FundraisingAmt | 0 | 0 |
| IRS990/PymtTravelEntrtnmntPubOfclGrp/ManagementAndGeneralAmt | 0 | 0 |
| IRS990/PymtTravelEntrtnmntPubOfclGrp/ProgramServicesAmt | 0 | 0 |
| IRS990/PymtTravelEntrtnmntPubOfclGrp/TotalAmt | 0 | 0 |
| IRS990/PYOtherExpensesAmt | 0 | 1762036 |
| IRS990/PYOtherRevenueAmt | 0 | 0 |
| IRS990/PYProgramServiceRevenueAmt | 0 | 3066838 |
| IRS990/PYRevenuesLessExpensesAmt | 0 | 386500 |
| IRS990/PYSalariesCompEmpBnftPaidAmt | 0 | 1578211 |
| IRS990/PYTotalExpensesAmt | 0 | 3340247 |
| IRS990/PYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/PYTotalRevenueAmt | 0 | 3726747 |
| IRS990/RcvblFromDisqualifiedPrsnGrp/BOYAmt | 0 | 0 |
| IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt | 0 | 0 |
| IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt | 0 | -1595 |
| IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt | 0 | 269894 |
| IRS990/ReconcilationRevenueExpnssAmt | 0 | 528000 |
| IRS990/RegularMonitoringEnfrcInd | 0 | 1 |
| IRS990/RelatedEntityInd | 0 | 0 |
| IRS990/RelatedOrganizationCtrlEntInd | 0 | 0 |
| IRS990/RentalIncomeOrLossGrp/PersonalAmt | 0 | 0 |
| IRS990/RentalIncomeOrLossGrp/RealAmt | 0 | 0 |
| IRS990/ReportInvestmentsOtherSecInd | 0 | 0 |
| IRS990/ReportLandBuildingEquipmentInd | 0 | 1 |
| IRS990/ReportOtherAssetsInd | 0 | 1 |
| IRS990/ReportOtherLiabilitiesInd | 0 | 1 |
| IRS990/ReportProgramRelatedInvstInd | 0 | 1 |
| IRS990/RevenueAmt | 0 | 3704873 |
| IRS990/RoyaltiesGrp/FundraisingAmt | 0 | 0 |
| IRS990/RoyaltiesGrp/ManagementAndGeneralAmt | 0 | 0 |
| IRS990/RoyaltiesGrp/ProgramServicesAmt | 0 | 0 |
| IRS990/RoyaltiesGrp/TotalAmt | 0 | 0 |
| IRS990/RoyaltiesRevenueGrp/ExclusionAmt | 0 | 0 |
| IRS990/RoyaltiesRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 0 |
| IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt | 0 | 0 |
| IRS990/RoyaltiesRevenueGrp/UnrelatedBusinessRevenueAmt | 0 | 0 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt | 0 | 8155035 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt | 0 | 8570450 |
| IRS990/SavingsAndTempCashInvstGrp/BOYAmt | 0 | 1293028 |
| IRS990/SavingsAndTempCashInvstGrp/EOYAmt | 0 | 3110792 |
| IRS990/ScheduleBRequiredInd | 0 | 0 |
| IRS990ScheduleD/BuildingsGrp/BookValueAmt | 0 | 762516 |
| IRS990ScheduleD/BuildingsGrp/DepreciationAmt | 0 | 1014840 |
| IRS990ScheduleD/BuildingsGrp/InvestmentCostOrOtherBasisAmt | 0 | 0 |
| IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt | 0 | 1777356 |
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