Civic Intelligence

Bay Area Credit Union Inc

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.

4202 Navarre AvenueOregon, OH 43616

www.bayareacu.com

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

37th percentile

0.86x

Higher debt load relative to assets than 37% of similar nonprofits.

501(c)14 • $50M-$100M nonprofits • Source year 2024

Liabilities / Revenue

39th percentile

14.86x

Higher debt load relative to revenue than 39% of similar nonprofits.

501(c)14 • $50M-$100M nonprofits • Source year 2024

Net Margin

48th percentile

11%

Higher net margin than 48% of similar nonprofits.

501(c)14 • $50M-$100M nonprofits • Source year 2024

Top Officer Pay

91st percentile

$282,780

Higher top officer pay than 91% of similar nonprofits.

Top officer pay equals 5.9% of source-year revenue.

501(c)14 • $50M-$100M nonprofits • Source year 2024

Asset Growth

67th percentile

4.1%

Faster asset growth than 67% of similar nonprofits.

501(c)14 • $50M-$100M nonprofits • Annualized from 2023 to 2024

Revenue Growth

13th percentile

-1.1%

Faster revenue growth than 13% of similar nonprofits.

501(c)14 • $50M-$100M nonprofits • Annualized from 2023 to 2024

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

Trend Graphs

Balance Sheet Trend

Grouped bars show assets, liabilities, and net assets across loaded filings.

$100M$50M$0Assets 2010: $51,599,567Liabilities 2010: $45,494,706Net Assets 2010: $6,104,8612010Assets 2011: $51,672,798Liabilities 2011: $45,260,553Net Assets 2011: $6,412,2452011Assets 2012: $54,110,926Liabilities 2012: $47,619,615Net Assets 2012: $6,491,3112012Assets 2013: $54,384,375Liabilities 2013: $47,452,408Net Assets 2013: $6,931,9672013Assets 2015: $56,525,465Liabilities 2015: $49,328,365Net Assets 2015: $7,197,1002015Assets 2016: $60,714,124Liabilities 2016: $53,261,954Net Assets 2016: $7,452,1702016Assets 2017: $61,004,081Liabilities 2017: $53,311,362Net Assets 2017: $7,692,7192017Assets 2018: $61,935,066Liabilities 2018: $54,016,134Net Assets 2018: $7,918,9322018Assets 2019: $66,095,849Liabilities 2019: $57,940,814Net Assets 2019: $8,155,0352019Assets 2020: $74,466,813Liabilities 2020: $65,896,363Net Assets 2020: $8,570,4502020Assets 2021: $79,411,393Liabilities 2021: $69,988,221Net Assets 2021: $9,423,1722021Assets 2022: $80,010,962Liabilities 2022: $70,347,237Net Assets 2022: $9,663,7252022

Highlighted filing

2022

Assets$80,010,962
Liabilities$70,347,237
Net Assets$9,663,725

Operations Trend

Revenue, expenses, and net income by year, with the latest filing highlighted.

$4.0M$3.0M$2.0M$1.0M$0Expenses 2010: $2,849,5222010Expenses 2011: $2,435,2802011Expenses 2012: $2,566,1572012Revenue 2013: $2,754,492Expenses 2013: $2,526,492Net Income 2013: $228,0002013Revenue 2015: $2,816,225Expenses 2015: $2,576,225Net Income 2015: $240,0002015Revenue 2016: $3,038,394Expenses 2016: $2,788,394Net Income 2016: $250,0002016Revenue 2017: $3,175,699Expenses 2017: $2,932,699Net Income 2017: $243,0002017Revenue 2018: $3,446,059Expenses 2018: $3,196,059Net Income 2018: $250,0002018Revenue 2019: $3,726,747Expenses 2019: $3,340,247Net Income 2019: $386,5002019Revenue 2020: $3,708,590Expenses 2020: $3,180,590Net Income 2020: $528,0002020Revenue 2021: $3,555,569Expenses 2021: $3,046,569Net Income 2021: $509,0002021Revenue 2022: $3,651,914Expenses 2022: $3,375,914Net Income 2022: $276,0002022

Highlighted filing

2022

Revenue$3,651,914
Expenses$3,375,914
Net Income$276,000

Filings

Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$80.0$70.3$9.66$3.65$3.38$0.28
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$79.4$70.0$9.42$3.56$3.05$0.51
2020Facts available. Structured filing facts are available, but richer extracted sections are limited.$74.5$65.9$8.57$3.71$3.18$0.53
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$66.1$57.9$8.16$3.73$3.34$0.39
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$61.9$54.0$7.92$3.45$3.20$0.25
2017Facts available. Structured filing facts are available, but richer extracted sections are limited.$61.0$53.3$7.69$3.18$2.93$0.24
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$60.7$53.3$7.45$3.04$2.79$0.25
2015Detailed filing. Detailed filing data is available for this year.$56.5$49.3$7.20$2.82$2.58$0.24
2013Detailed filing. Detailed filing data is available for this year.$54.4$47.5$6.93$2.75$2.53$0.23
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$54.1$47.6$6.49$2.57
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$51.7$45.3$6.41$2.44
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$51.6$45.5$6.10$2.85
Latest Detailed Filing

The latest 2022 filing currently has linked XML that has not been fully parsed yet. Showing the latest detailed filing from 2020 below.

Jump To
Filing Snapshot
Filing Period
Jan 1, 2020 to Dec 31, 2020
Signed
May 11, 2021
Return Version
2020v4.0
Gross Receipts
$3,708,590
Mission and Program Overview

Mission

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.

Balance Sheet Detail
LineBeginningEndChange
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 Categories

AssetBook ValueDepreciationBasis
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--
Compensation and Service Providers

Employees

NameTitleFull / Part TimeBaseOtherTotal
Jennifer ToberChief Executive Officer / DirectorFT$122,009$104,533$226,542

Board Members and Trustees

NameTitle
Stan KendrioskiChairman of the Board
Michael JakseticVice Chairman of the Board
Barry RamlowDirector
Kyle McDanielDirector
Dawn BassettSecretary of the Board
Daniel MeisnerTreasurer of the Board
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$3,333,447
Investment Income
$375,143
Other Revenue
$0
Change in Net Assets
$528,000

Audited Revenue Reconciliation

Revenue per Audited Statements
$3,708,590
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Other Revenue Adjustments
$0
Total Revenue per Audited Statements
$3,708,590
Total Revenue per Form 990
$3,708,590
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
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

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
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

Audited Expense Reconciliation

Line ItemAmount
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
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Subject to proxy tax
No
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
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
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
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
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
Yes
Backup withholding compliance
Yes
Business relationship with 35% controlled entity
No
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
Yes
Other officer compensation reviewed
Yes
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 6

All credit unions by charter are member owned.

Form 990, Part VI, Section A, Line 7A

All of the governing body is elected by the membership.

Form 990, Part VI, Section B, Line 11B

The 990 is reviewed by management and the Board of Directors prior to submission.

Form 990, Part VI, Section B, Line 12C

The conflict of interest policy is reviewed by the employees and the Board of Directors annually.

Form 990, Part VI, Section B, Line 15

Compensation of key employees is approved by the Board of Directors. Independent compensation surveys are utilized as a tool in setting compensation levels.

Form 990, Part VI, Section C, Line 19

The governing documents, conflict of interest policy, and financial documents are made available upon request.

Filing and Contact Details

Filer

Filer Name
Bay Area Credit Union Inc
EIN
34-4360015
Phone
4196982962
Address
4202 Navarre Avenue, Oregon, OH 43616

Signing Officer

Name
Jennifer Tober
Title
Chief Executive Officer
Phone
4196982962
Signed
2021-05-11
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Jennifer Tober
Formed
1934
Legal Domicile
Oh
Voting Board Members
7
Independent Board Members
6
Employees
23
Volunteers
6

Preparer

Firm
Schmidt & Associates
Address
P O Box 2588, Columbus, OH 43216
Preparer
Melissa Schmidt
Phone
6145291640
Supplemental Narrative

Additional Explanations

Form 990, Part XI, Line 9

The change in net fund balances represents the unrealized loss in pension fund assets.

Raw XML AppendixShowing 400 of 624 raw XML fields

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/AccountantCompileOrReviewInd00
IRS990/AccountsPayableAccrExpnssGrp/BOYAmt0910574
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt0925510
IRS990/AccountsReceivableGrp/BOYAmt00
IRS990/AccountsReceivableGrp/EOYAmt00
IRS990/ActivitiesConductedPrtshpInd00
IRS990/ActivityOrMissionDesc0Bay Area Credit Union, Inc. is a financial institution cooperative organized to provide loan and deposit products and services to the member owners.
IRS990/AdvertisingGrp/FundraisingAmt00
IRS990/AdvertisingGrp/ManagementAndGeneralAmt00
IRS990/AdvertisingGrp/ProgramServicesAmt074363
IRS990/AdvertisingGrp/TotalAmt074363
IRS990/AnnualDisclosureCoveredPrsnInd01
IRS990/AuditCommitteeInd01
IRS990/BackupWthldComplianceInd01
IRS990/BenefitsToMembersGrp/ProgramServicesAmt00
IRS990/BenefitsToMembersGrp/TotalAmt00
IRS990/BooksInCareOfDetail/PersonNm0Jennifer Tober
IRS990/BooksInCareOfDetail/PhoneNum04196982962
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt04202 Navarre Avenue
IRS990/BooksInCareOfDetail/USAddress/CityNm0Oregon
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0OH
IRS990/BooksInCareOfDetail/USAddress/ZIPCd043616
IRS990/BusinessRlnWith35CtrlEntInd00
IRS990/BusinessRlnWithFamMemInd00
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IRS990/CashNonInterestBearingGrp/BOYAmt0165877
IRS990/CashNonInterestBearingGrp/EOYAmt0675233
IRS990/ChangeToOrgDocumentsInd00
IRS990/CntrctRcvdGreaterThan100KCnt00
IRS990/CollectionsOfArtInd00
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IRS990/CompCurrentOfcrDirectorsGrp/ProgramServicesAmt00
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IRS990/CompDisqualPersonsGrp/FundraisingAmt00
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IRS990/CompensationFromOtherSrcsInd00
IRS990/CompensationProcessCEOInd01
IRS990/CompensationProcessOtherInd01
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IRS990/CYInvestmentIncomeAmt0375143
IRS990/CYOtherExpensesAmt01658095
IRS990/CYOtherRevenueAmt00
IRS990/CYProgramServiceRevenueAmt03333447
IRS990/CYRevenuesLessExpensesAmt0528000
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IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt03708590
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IRS990/DeferredRevenueGrp/BOYAmt00
IRS990/DeferredRevenueGrp/EOYAmt00
IRS990/DelegationOfMgmtDutiesInd00
IRS990/DepreciationDepletionGrp/FundraisingAmt00
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IRS990/DepreciationDepletionGrp/TotalAmt087712
IRS990/Desc0The organization is a state chartered member owned cooperative credit union that provides financial products and services to the member owners.
IRS990/DescribedInSection501c3Ind00
IRS990/DisregardedEntityInd00
IRS990/DocumentRetentionPolicyInd01
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IRS990/DonorAdvisedFundInd00
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IRS990/FeesForServicesLobbyingGrp/FundraisingAmt00
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IRS990/FeesForSrvcInvstMgmntFeesGrp/FundraisingAmt00
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IRS990/ForeignActivitiesInd00
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IRS990/ForeignOfficeInd00
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IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt11
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IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt61
IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd0X
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IRS990/Form990PartVIISectionAGrp/KeyEmployeeInd0X
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IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt50
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt60
IRS990/Form990PartVIISectionAGrp/PersonNm0Jennifer Tober
IRS990/Form990PartVIISectionAGrp/PersonNm1Stan Kendrioski
IRS990/Form990PartVIISectionAGrp/PersonNm2Michael Jaksetic
IRS990/Form990PartVIISectionAGrp/PersonNm3Daniel Meisner
IRS990/Form990PartVIISectionAGrp/PersonNm4Dawn Bassett
IRS990/Form990PartVIISectionAGrp/PersonNm5Barry Ramlow
IRS990/Form990PartVIISectionAGrp/PersonNm6Kyle McDaniel
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt0143177
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt60
IRS990/Form990PartVIISectionAGrp/TitleTxt0Chief Executive Officer / Director
IRS990/Form990PartVIISectionAGrp/TitleTxt1Chairman of the Board
IRS990/Form990PartVIISectionAGrp/TitleTxt2Vice Chairman of the Board
IRS990/Form990PartVIISectionAGrp/TitleTxt3Treasurer of the Board
IRS990/Form990PartVIISectionAGrp/TitleTxt4Secretary of the Board
IRS990/Form990PartVIISectionAGrp/TitleTxt5Director
IRS990/Form990PartVIISectionAGrp/TitleTxt6Director
IRS990/Form990ProvidedToGvrnBodyInd01
IRS990/Form990TFiledInd01
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IRS990/FSAuditedBasisGrp/SeparateBasisFinclStmtInd0X
IRS990/FSAuditedInd01
IRS990/FundraisingActivitiesInd00
IRS990/GainOrLossGrp/OtherAmt00
IRS990/GainOrLossGrp/SecuritiesAmt00
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt07
IRS990/GrantAmt00
IRS990/GrantsPayableGrp/BOYAmt00
IRS990/GrantsPayableGrp/EOYAmt00
IRS990/GrantsToDomesticIndividualsGrp/ProgramServicesAmt00
IRS990/GrantsToDomesticIndividualsGrp/TotalAmt00
IRS990/GrantsToDomesticOrgsGrp/ProgramServicesAmt00
IRS990/GrantsToDomesticOrgsGrp/TotalAmt00
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossReceiptsAmt03708590
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd00
IRS990/IncmFromInvestBondProceedsGrp/ExclusionAmt00
IRS990/IncmFromInvestBondProceedsGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/IncmFromInvestBondProceedsGrp/TotalRevenueColumnAmt00
IRS990/IncmFromInvestBondProceedsGrp/UnrelatedBusinessRevenueAmt00
IRS990/IndependentAuditFinclStmtInd01
IRS990/IndependentVotingMemberCnt06
IRS990/IndivRcvdGreaterThan100KCnt01
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartXIInd0X
IRS990/InformationTechnologyGrp/FundraisingAmt00
IRS990/InformationTechnologyGrp/ManagementAndGeneralAmt00
IRS990/InformationTechnologyGrp/ProgramServicesAmt0181178
IRS990/InformationTechnologyGrp/TotalAmt0181178
IRS990/InsuranceGrp/FundraisingAmt00
IRS990/InsuranceGrp/ManagementAndGeneralAmt00
IRS990/InsuranceGrp/ProgramServicesAmt023574
IRS990/InsuranceGrp/TotalAmt023574
IRS990/IntangibleAssetsGrp/BOYAmt00
IRS990/IntangibleAssetsGrp/EOYAmt00
IRS990/InterestGrp/FundraisingAmt00
IRS990/InterestGrp/ManagementAndGeneralAmt00
IRS990/InterestGrp/ProgramServicesAmt0277674
IRS990/InterestGrp/TotalAmt0277674
IRS990/InventoriesForSaleOrUseGrp/BOYAmt00
IRS990/InventoriesForSaleOrUseGrp/EOYAmt00
IRS990/InvestmentExpenseAmt00
IRS990/InvestmentIncomeGrp/ExclusionAmt00
IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt0375143
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt0375143
IRS990/InvestmentIncomeGrp/UnrelatedBusinessRevenueAmt00
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt00
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt00
IRS990/InvestmentsProgramRelatedGrp/BOYAmt020265045
IRS990/InvestmentsProgramRelatedGrp/EOYAmt019440824
IRS990/InvestmentsPubTradedSecGrp/BOYAmt00
IRS990/InvestmentsPubTradedSecGrp/EOYAmt00
IRS990/IRPDocumentCnt01089
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt01358360
IRS990/LandBldgEquipBasisNetGrp/BOYAmt01739788
IRS990/LandBldgEquipBasisNetGrp/EOYAmt01696442
IRS990/LandBldgEquipCostOrOtherBssAmt03054802
IRS990/LegalDomicileStateCd0OH
IRS990/LoanOutstandingInd01
IRS990/LoansFromOfficersDirectorsGrp/BOYAmt00
IRS990/LoansFromOfficersDirectorsGrp/EOYAmt00
IRS990/LocalChaptersInd00
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
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IRS990/MissionDesc0The mission of Bay Area Credit Union, Inc. is to be personally committed to delivering financial solutions.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/MortgNotesPyblScrdInvstPropGrp/BOYAmt00
IRS990/MortgNotesPyblScrdInvstPropGrp/EOYAmt00
IRS990/NetAssetsOrFundBalancesBOYAmt08155035
IRS990/NetAssetsOrFundBalancesEOYAmt08570450
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NetUnrlzdGainsLossesInvstAmt00
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/FundraisingAmt00
IRS990/OccupancyGrp/ManagementAndGeneralAmt019865
IRS990/OccupancyGrp/ProgramServicesAmt079458
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IRS990/OfficeExpensesGrp/FundraisingAmt00
IRS990/OfficeExpensesGrp/ManagementAndGeneralAmt00
IRS990/OfficeExpensesGrp/ProgramServicesAmt070649
IRS990/OfficeExpensesGrp/TotalAmt070649
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt0691334
IRS990/OtherAssetsTotalGrp/EOYAmt06388368
IRS990/OtherChangesInNetAssetsAmt0-112585
IRS990/OtherEmployeeBenefitsGrp/FundraisingAmt00
IRS990/OtherEmployeeBenefitsGrp/ManagementAndGeneralAmt0176706
IRS990/OtherEmployeeBenefitsGrp/ProgramServicesAmt0110187
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0286893
IRS990/OtherExpensesGrp/Desc0Loan servicing (dealer, collection, credit card)
IRS990/OtherExpensesGrp/Desc1Share servicing (ATM, debit, draft)
IRS990/OtherExpensesGrp/Desc2Regulators
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IRS990/OtherExpensesGrp/FundraisingAmt10
IRS990/OtherExpensesGrp/FundraisingAmt20
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IRS990/OtherExpensesGrp/ManagementAndGeneralAmt215366
IRS990/OtherExpensesGrp/ProgramServicesAmt0325178
IRS990/OtherExpensesGrp/ProgramServicesAmt1412084
IRS990/OtherExpensesGrp/ProgramServicesAmt20
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IRS990/OtherExpensesGrp/TotalAmt1412084
IRS990/OtherExpensesGrp/TotalAmt215366
IRS990/OtherLiabilitiesGrp/BOYAmt057030240
IRS990/OtherLiabilitiesGrp/EOYAmt064970853
IRS990/OtherRevenueTotalAmt00
IRS990/OtherSalariesAndWagesGrp/FundraisingAmt00
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IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt0604578
IRS990/OtherSalariesAndWagesGrp/TotalAmt0908115
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt041831671
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt042727659
IRS990/PartialLiquidationInd00
IRS990/PaymentsToAffiliatesGrp/FundraisingAmt00
IRS990/PaymentsToAffiliatesGrp/ManagementAndGeneralAmt00
IRS990/PaymentsToAffiliatesGrp/ProgramServicesAmt00
IRS990/PaymentsToAffiliatesGrp/TotalAmt00
IRS990/PayrollTaxesGrp/FundraisingAmt00
IRS990/PayrollTaxesGrp/ManagementAndGeneralAmt039510
IRS990/PayrollTaxesGrp/ProgramServicesAmt036471
IRS990/PayrollTaxesGrp/TotalAmt075981
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/FundraisingAmt00
IRS990/PensionPlanContributionsGrp/ManagementAndGeneralAmt056331
IRS990/PensionPlanContributionsGrp/ProgramServicesAmt051998
IRS990/PensionPlanContributionsGrp/TotalAmt0108329
IRS990/PledgesAndGrantsReceivableGrp/BOYAmt00
IRS990/PledgesAndGrantsReceivableGrp/EOYAmt00
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0110701
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0157601
IRS990/PrincipalOfficerNm0Jennifer Tober
IRS990/PriorPeriodAdjustmentsAmt00
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522130
IRS990/ProgramServiceRevenueGrp/BusinessCd1522130
IRS990/ProgramServiceRevenueGrp/BusinessCd2522130
IRS990/ProgramServiceRevenueGrp/Desc0Interest on loans to members
IRS990/ProgramServiceRevenueGrp/Desc1Fees to members
IRS990/ProgramServiceRevenueGrp/Desc2ATM surcharges to nonmembers
IRS990/ProgramServiceRevenueGrp/ExclusionAmt00
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IRS990/ProgramServiceRevenueGrp/ExclusionAmt20
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt02129249
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt11200481
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt20
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt02129249
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt11200481
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt23717
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt10
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt23717
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt0659909
IRS990/PymtTravelEntrtnmntPubOfclGrp/FundraisingAmt00
IRS990/PymtTravelEntrtnmntPubOfclGrp/ManagementAndGeneralAmt00
IRS990/PymtTravelEntrtnmntPubOfclGrp/ProgramServicesAmt00
IRS990/PymtTravelEntrtnmntPubOfclGrp/TotalAmt00
IRS990/PYOtherExpensesAmt01762036
IRS990/PYOtherRevenueAmt00
IRS990/PYProgramServiceRevenueAmt03066838
IRS990/PYRevenuesLessExpensesAmt0386500
IRS990/PYSalariesCompEmpBnftPaidAmt01578211
IRS990/PYTotalExpensesAmt03340247
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt03726747
IRS990/RcvblFromDisqualifiedPrsnGrp/BOYAmt00
IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt00
IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt0-1595
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt0269894
IRS990/ReconcilationRevenueExpnssAmt0528000
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/RentalIncomeOrLossGrp/PersonalAmt00
IRS990/RentalIncomeOrLossGrp/RealAmt00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd01
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd01
IRS990/RevenueAmt03704873
IRS990/RoyaltiesGrp/FundraisingAmt00
IRS990/RoyaltiesGrp/ManagementAndGeneralAmt00
IRS990/RoyaltiesGrp/ProgramServicesAmt00
IRS990/RoyaltiesGrp/TotalAmt00
IRS990/RoyaltiesRevenueGrp/ExclusionAmt00
IRS990/RoyaltiesRevenueGrp/RelatedOrExemptFuncIncomeAmt00
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IRS990/RoyaltiesRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt08155035
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt08570450
IRS990/SavingsAndTempCashInvstGrp/BOYAmt01293028
IRS990/SavingsAndTempCashInvstGrp/EOYAmt03110792
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt0762516
IRS990ScheduleD/BuildingsGrp/DepreciationAmt01014840
IRS990ScheduleD/BuildingsGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt01777356

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