Civic Intelligence

Bell West Community Credit Union

EIN 36-1837452 • 501(c)14 • Oak Lawn, IL

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Profile

Illinois state chartered credit union operated for the mutual benefit of its members. The credit union makes loans to members and pays dividends to members with share deposits at a competetive rate of interest.

9930 Southwest HighwayOak Lawn, IL 60453

bwccu.org

Siviq Scores

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

Liabilities / Assets

88th percentile

0.91x

Higher debt load relative to assets than 88% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Source year 2014

Liabilities / Revenue

69th percentile

22.14x

Higher debt load relative to revenue than 69% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Source year 2014

Net Margin

19th percentile

-8.6%

Higher net margin than 19% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Source year 2014

Top Officer Pay

Score unavailable

No value available

No filing with officer rows is available for this organization yet.

Asset Growth

30th percentile

-3.4%

Faster asset growth than 30% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Annualized from 2013 to 2014

Revenue Growth

17th percentile

-4.3%

Faster revenue growth than 17% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Annualized from 2013 to 2014

Balance Sheet
Liabilities / Assets88th percentile

Assets

Down

$23,965,287

Down $832,472 (-3.4%) from 2013

Liabilities

Down

$21,880,068

Down $747,016 (-3.3%) from 2013

Net Assets

Down

$2,085,219

Down $85,456 (-3.9%) from 2013

Operations
Liabilities / Revenue69th percentileNet Margin19th percentile

Revenue

Down

$988,300

Down $43,912 (-4.3%) from 2013

Expenses

Up

$1,073,756

Up $45,932 (+4.5%) from 2013

Net Income

Down

-$85,456

Down $89,844 (-2047%) from 2013

Trend Graphs

Balance Sheet Trend

Asset Growth30th percentile

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

$30M$20M$10M$0Assets 2010: $26,116,778Liabilities 2010: $23,864,443Net Assets 2010: $2,252,3352010Assets 2011: $25,117,839Liabilities 2011: $23,058,848Net Assets 2011: $2,058,9912011Assets 2012: $26,077,056Liabilities 2012: $23,910,769Net Assets 2012: $2,166,2872012Assets 2013: $24,797,759Liabilities 2013: $22,627,084Net Assets 2013: $2,170,6752013Assets 2014: $23,965,287Liabilities 2014: $21,880,068Net Assets 2014: $2,085,2192014

Highlighted filing

2014

Assets$23,965,287
Liabilities$21,880,068
Net Assets$2,085,219
Open 2014 Filing

Operations Trend

Revenue Growth17th percentile

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

$2.0M$1.5M$1.0M$500K$0-$500KExpenses 2010: $1,652,7432010Expenses 2011: $1,420,0812011Expenses 2012: $1,088,1852012Revenue 2013: $1,032,212Expenses 2013: $1,027,824Net Income 2013: $4,3882013Revenue 2014: $988,300Expenses 2014: $1,073,756Net Income 2014: -$85,4562014

Highlighted filing

2014

Revenue$988,300
Expenses$1,073,756
Net Income-$85,456
Open 2014 Filing

Filings

Most recent year

2014 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$23,965,287
Liabilities
$21,880,068
Net assets
$2,085,219
Revenue
$988,300
Expenses
$1,073,756
Net income
-$85,456
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2014Detailed filing. Detailed filing data is available for this year.$24.0$21.9$2.09$0.99$1.07$0.09
2013Detailed filing. Detailed filing data is available for this year.$24.8$22.6$2.17$1.03$1.03$0.00
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$26.1$23.9$2.17$1.09
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$25.1$23.1$2.06$1.42
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$26.1$23.9$2.25$1.65
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2014 to Dec 31, 2014
Signed
Apr 30, 2015
Return Version
2014v5.0
Gross Receipts
$988,300
Mission and Program Overview

Mission

Illinois state chartered credit union operated for the mutual benefit of its members. The credit union makes loans to members and pays dividends to members with share deposits at a competetive rate of interest.

Credit union for the mutual financial benefit of its members

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$8,791,472$8,381,290▼ $410,182
Investments in Publicly Traded Securities$6,384,000$7,284,000▲ $900,000
Savings and Temporary Cash Investments$7,690,318$6,465,448▼ $1,224,870
Rtn Earn Endowment Incm Other Fnds$2,170,675$2,085,219▼ $85,456
Land, Buildings, and Equipment, Net$1,180,933$1,115,819▼ $65,114
Cash and Non-Interest-Bearing Accounts$393,125$351,983▼ $41,142
Prepaid Expenses and Deferred Charges$64,788$94,056▲ $29,268
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$24,797,759$23,965,287▼ $832,472
Other Assets Total$293,123$272,691▼ $20,432
Liabilities
Other Liabilities$22,514,657$21,777,445▼ $737,212
Accounts Payable and Accrued Expenses$112,427$102,623▼ $9,804
Total Liabilities$22,627,084$21,880,068▼ $747,016
Net Assets / Fund Balance
Total Net Assets Fund Balance$2,170,675$2,085,219▼ $85,456
Total Liabilities and Net Assets / Fund Balance$24,797,759$23,965,287▼ $832,472

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$490,690$446,696$937,386
Land$501,725-$501,725
Equipment$72,241$383,027$455,268
Other Land Buildings$51,163$102,448$153,611
Compensation and Service Providers
Top Officer PayScore unavailable

Employees

NameTitleFull / Part TimeBaseOtherTotal
Robert O'KellyPresidentFT$84,238$10,046$94,284
Pamela JenkinsSecretary-$1,200-$1,200

Board Members and Trustees

NameTitle
Stephen UnterfranzChairperson
Michael FrydrychVice-Chairperson
Donald StapletonMember
Matthew WarrenMember
Michael O'ConnorMember
William WierzbickiMember
Patrick O'BrienTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$867,421
Investment Income
$120,879
Other Revenue
$0
Change in Net Assets
$-85,456
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$716,664
Salaries, Compensation, and Employee Benefits$357,092
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$208,201
Information Technology---$130,497
Current Officers, Directors, Trustees, and Key Employees---$95,484
Occupancy---$88,361
Depreciation Depletion---$73,256
Office Expenses---$41,042
Fees for Services Other---$36,263
Other Employee Benefits---$29,152
Other Expenses---$25,075
Payroll Taxes---$21,796
Insurance---$20,442
All Other Expenses---$10,297
Fees for Services Accounting---$9,600
Travel---$2,887
Pension Plan Contributions---$2,459
Advertising---$1,634
Total Functional Expenses$0$0$0$1,073,756
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
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Regular shares$12,928,745
Certificates$3,259,344
Money markets$2,676,540
Checking$2,086,323
IRA shares & certificates$665,905
Club accounts$133,906
Escrow$26,682
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Backup withholding compliance
Yes
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
No
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

“Membership consists of individuals with funds on deposit with the Credit Union.”

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

“The membership participates in the annual election of the board of directors.”

Form 990, Part VI, Section B, line 11

“The President of the Credit Union reviewed and approved the 990 prior to filing.”

Form 990, Part VI, Section B, line 15

“The Board of Directors discusses all compensation packages, however no external data is used.”

Form 990, Part VI, Section C, line 19

“Governing documents and financial statements available upon request.”

Filing and Contact Details

Filer

Filer Name
Bell West Community Credit Union
EIN
36-1837452
Phone
7085765600
Address
9930 Southwest Highway, Oak Lawn, IL 60453

Signing Officer

Name
Robert J O'Kelly
Title
President
Phone
7085765600
Signed
2015-04-30
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Robert J O'Kelly
Formed
1936
Legal Domicile
Il
Voting Board Members
9
Independent Board Members
8
Employees
11
Volunteers
8

Preparer

Firm
Desmond & Ahern Ltd
Address
10827 S Western Ave, Chicago, IL 60643
Preparer
Hugh J Ahern
Phone
7737794720
Supplemental Narrative

Additional Explanations

Page 3, Part IV, #12 and page 12, part XI, #2A- Audited Financials

“The Credit Union does not have audited financial statements for the tax year ended December 31, 2014 however they do have audited financial statements for the fiscal year ended September 30, 2014. The FIN 48 footnote in the September 30, 2014 audited financials is as follows: Bell West Community Credit Union was granted an exemption from federal income taxes by the Internal Revenue Service pursuant to the provisions of Internal Revenue Code Section 501(c)(14). The tax exempt purpose of the Credit Union and the nature in which it operates is described in the first paragraph of Note 1. Management believes the Credit Union continues to operate in compliance with its tax exempt purpose. The Credit Union had no unrelated business income in 2014 and 2013 that management believes is subject to taxation. The Credit Union's annual information returns filed with the federal government are subject to examination for the statutory period.”

Raw XML Appendix362 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.

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IRS990/Desc0The credit union makes and services consumer and real estate loans to members. The number of loans outstanding at 12/31/14 is 1,908 for a total of $8,479,944.
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IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0501725
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt051163
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt0102448
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt0153611
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt012928745
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt12086323
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt22676540
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt3133906
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt43259344
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt5665905
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt626682
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0Regular shares
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1Checking
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc2Money markets
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc3Club accounts
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc4Certificates
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc5IRA shares & certificates
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc6Escrow
IRS990ScheduleD/TotalBookValueLandBuildingsAmt01115819
IRS990ScheduleD/TotalLiabilityAmt021777445
IRS990/ScheduleJRequiredInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0The Credit Union does not have audited financial statements for the tax year ended December 31, 2014 however they do have audited financial statements for the fiscal year ended September 30, 2014. The FIN 48 footnote in the September 30, 2014 audited financials is as follows: Bell West Community Credit Union was granted an exemption from federal income taxes by the Internal Revenue Service pursuant to the provisions of Internal Revenue Code Section 501(c)(14). The tax exempt purpose of the Credit Union and the nature in which it operates is described in the first paragraph of Note 1. Management believes the Credit Union continues to operate in compliance with its tax exempt purpose. The Credit Union had no unrelated business income in 2014 and 2013 that management believes is subject to taxation. The Credit Union's annual information returns filed with the federal government are subject to examination for the statutory period.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1Membership consists of individuals with funds on deposit with the Credit Union.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2The membership participates in the annual election of the board of directors.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3The President of the Credit Union reviewed and approved the 990 prior to filing.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4The Board of Directors discusses all compensation packages, however no external data is used.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5Governing documents and financial statements available upon request.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Page 3, Part IV, #12 and page 12, part XI, #2A- Audited Financials
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990, Part VI, Section A, line 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990, Part VI, Section A, line 7a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990, Part VI, Section B, line 11
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Form 990, Part VI, Section B, line 15
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Form 990, Part VI, Section C, line 19
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/SubjectToProxyTaxInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TempOrPermanentEndowmentsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt024797759
IRS990/TotalAssetsEOYAmt023965287
IRS990/TotalAssetsGrp/BOYAmt024797759
IRS990/TotalAssetsGrp/EOYAmt023965287
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalEmployeeCnt011
IRS990/TotalFunctionalExpensesGrp/TotalAmt01073756
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt022627084
IRS990/TotalLiabilitiesEOYAmt021880068
IRS990/TotalLiabilitiesGrp/BOYAmt022627084
IRS990/TotalLiabilitiesGrp/EOYAmt021880068
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt02170675
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt02085219
IRS990/TotalOtherCompensationAmt010046
IRS990/TotalProgramServiceRevenueAmt0867421
IRS990/TotalReportableCompFromOrgAmt085438
IRS990/TotalRevenueGrp/ExclusionAmt0120879
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0867421
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0988300
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt08
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt024797759
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt023965287
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TravelGrp/TotalAmt02887
IRS990/TypeOfOrganizationOtherInd0X
IRS990/UnrelatedBusIncmOverLimitInd00
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt09930 Southwest Highway
IRS990/USAddress/CityNm0Oak Lawn
IRS990/USAddress/StateAbbreviationCd0IL
IRS990/USAddress/ZIPCd060453
IRS990/VotingMembersGoverningBodyCnt09
IRS990/VotingMembersIndependentCnt08
IRS990/WebsiteAddressTxt0bwccu.org
IRS990/WhistleblowerPolicyInd00
ReturnHeader/BuildTS02016-02-25 16:41:14Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0Robert J O'Kelly
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0President
ReturnHeader/BusinessOfficerGrp/PhoneNum07085765600
ReturnHeader/BusinessOfficerGrp/SignatureDt02015-04-30
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0Bell West Community Credit Union
ReturnHeader/Filer/BusinessNameControlTxt0BELL
ReturnHeader/Filer/EIN0361837452
ReturnHeader/Filer/PhoneNum07085765600
ReturnHeader/Filer/USAddress/AddressLine1Txt09930 Southwest Highway
ReturnHeader/Filer/USAddress/CityNm0Oak Lawn
ReturnHeader/Filer/USAddress/StateAbbreviationCd0IL
ReturnHeader/Filer/USAddress/ZIPCd060453
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0363321958
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0Desmond & Ahern Ltd
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt010827 S Western Ave
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0Chicago
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0IL
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd060643
ReturnHeader/PreparerPersonGrp/PhoneNum07737794720
ReturnHeader/PreparerPersonGrp/PreparationDt02015-04-30
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0Hugh J Ahern
ReturnHeader/ReturnTs02015-05-01T08:44:03-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02014-01-01
ReturnHeader/TaxPeriodEndDt02014-12-31
ReturnHeader/TaxYr02014

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