Civic Intelligence

Bell Community Credit Union

990 • Fiscal year 2011 • EIN 37-0842931

Jan 01, 2011 to Dec 31, 2011 • Filed on May 02, 2012

2 W Broadway62002
Siviq Scores

Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.

Liabilities / Assets

47th percentile

0.82x

Higher debt load relative to assets than 47% of similar nonprofits.

2011 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2011

Liabilities / Revenue

Score unavailable

No value available

Liabilities-to-revenue requires both liabilities and revenue on this filing.

Source year 2011

Net Margin

Score unavailable

No value available

Net margin requires both revenue and expenses on this filing.

Source year 2011

Top Officer Pay

Score unavailable

No value available

This filing does not contain officer compensation rows.

Source year 2011

Asset Growth

84th percentile

9.0%

Faster asset growth than 84% of similar nonprofits.

2011 filings • 501(c)14 • $1M-$5M nonprofits • Annualized from 2010 to 2011

Revenue Growth

Score unavailable

No value available

No valid filing value is available for this score.

Assets

Up

$2,837,499

Up $235,251 (+9.0%) from 2010

Net Assets

Down

$524,297

Down $142,655 (-21%) from 2010

Liabilities

Up

$2,313,202

Up $377,906 (+20%) from 2010

Revenue

-

No earlier filing loaded for comparison.

Expenses

Up

$376,604

Up $164,183 (+77%) from 2010

Net Income

-

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

The highlighted filing sits inside the broader history for assets, liabilities, and net assets.

$3.0M$2.0M$1.0M$0Assets 2010: $2,602,248Liabilities 2010: $1,935,296Net Assets 2010: $666,9522010Assets 2011: $2,837,499Liabilities 2011: $2,313,202Net Assets 2011: $524,2972011Assets 2012: $2,414,206Liabilities 2012: $1,969,240Net Assets 2012: $444,9662012Assets 2013: $2,027,351Liabilities 2013: $1,716,705Net Assets 2013: $310,6462013Assets 2014: $1,903,742Liabilities 2014: $1,595,246Net Assets 2014: $308,4962014Assets 2015: $0Liabilities 2015: $0Net Assets 2015: $02015

Highlighted filing

2011

Assets$2,837,499
Liabilities$2,313,202
Net Assets$524,297

Operations Trend

Revenue, expenses, and net income across loaded years, with this filing highlighted.

$400K$200K$0-$200KExpenses 2010: $212,4212010Expenses 2011: $376,6042011Expenses 2012: $241,0742012Revenue 2013: $151,399Expenses 2013: $285,719Net Income 2013: -$134,3202013Revenue 2014: $149,410Expenses 2014: $181,560Net Income 2014: -$32,1502014Revenue 2015: $109,131Expenses 2015: $186,430Net Income 2015: -$77,2992015

Highlighted filing

2011

Revenue-
Expenses$376,604
Net Income-
Jump To
Filing Snapshot
Filing Period
Jan 1, 2011 to Dec 31, 2011
Signed
May 2, 2012
Return Version
2011v1.2
Gross Receipts
$233,949
Mission and Program Overview

Mission

The bell community credit union is a not-for-profit community based financial institution. We offer a wide variety of services at competitive rates in a friendly atmosphere while maintaining a strong financial position.

Filing and Contact Details

Filer

EIN
37-0842931
Raw XML Appendix315 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/AccountantCompileOrReview0false
IRS990/AccountsPayableAccruedExpenses/EOY01889
IRS990/ActivitiesConductedPartnership0false
IRS990/ActivityOrMissionDescription0THE ALTON BELL COMMUNITY CREDIT UNION IS A NOT-FOR-PROFIT COMMUNITY BASED FINANCIAL INSTITUTION. WE OFFER A WIDE VARIETY OF SERVICES AT COMPETITIVE RATES IN A FRIENDLY ATMOSPHERE WHILE MAINTAINING A STRONG FINANCIAL POSITION.
IRS990/AddressPrincipalOfficerUS/AddressLine102 W BROADWAY
IRS990/AddressPrincipalOfficerUS/City0ALTON
IRS990/AddressPrincipalOfficerUS/State0IL
IRS990/AddressPrincipalOfficerUS/ZIPCode062002
IRS990/Advertising/Total06669
IRS990/AllOtherExpenses/Total02316
IRS990/BenefitsPaidToMembersCY00
IRS990/BsnssRltnshpThruFamilyMember0false
IRS990/BsnssRltnshpWithOrganization0false
IRS990/CashNonInterestBearing/BOY0298230
IRS990/CashNonInterestBearing/EOY018527
IRS990/ChangesToOrganizingDocs0false
IRS990/CollectionsOfArt0false
IRS990/CompCurrentOfficersDirectors/Total016210
IRS990/CompensationFromOtherSources0false
IRS990/CompensationProcessCEO0false
IRS990/CompensationProcessOther0false
IRS990/ComplianceWithBackupWitholding0false
IRS990/ConferencesMeetings/Total01682
IRS990/ConflictOfInterestPolicy0false
IRS990/ConservationEasements0false
IRS990/ConsolidatedAuditFinancialStmt0false
IRS990/ContributionsGrantsCurrentYear00
IRS990/CreditCounseling0false
IRS990/DecisionsSubjectToApproval0true
IRS990/DeductibleContributionsOfArt0false
IRS990/DeductibleNonCashContributions0false
IRS990/DelegationOfManagementDuties0false
IRS990/DepreciationDepletion/Total06111
IRS990/DescribedIn501C30false
IRS990/Description0PROVIDED CONSUMER LENDING AND RECEIVED DEPOSITS FROM THE CREDIT UNION MEMBERSHIP. THE CREDIT UNION SERVICES IN EXCESS OF 700 MEMBER SHARE TYPE ACCOUNTS AND IN EXCESS OF 450 LOAN ACCOUNTS.
IRS990/DisregardedEntity0false
IRS990/DocumentRetentionPolicy0false
IRS990/DonorAdvisedFunds0false
IRS990/DoNotFollowSFAS1170X
IRS990/ElectionOfBoardMembers0true
IRS990/EmploymentTaxReturnsFiled0true
IRS990/ExcessBenefitTransaction0false
IRS990/FamilyOrBusinessRelationship0true
IRS990/FederalGrantAuditRequired0false
IRS990/FeesForServicesAccounting/Total057672
IRS990/ForeignActivities0false
IRS990/ForeignFinancialAccount0false
IRS990/ForeignOffice0false
IRS990/Form990PartVIISectionA/AverageHoursPerWeek01.00
IRS990/Form990PartVIISectionA/AverageHoursPerWeek11.00
IRS990/Form990PartVIISectionA/AverageHoursPerWeek220.00
IRS990/Form990PartVIISectionA/AverageHoursPerWeek31.00
IRS990/Form990PartVIISectionA/AverageHoursPerWeek410.00
IRS990/Form990PartVIISectionA/AverageHoursPerWeek51.00
IRS990/Form990PartVIISectionA/AverageHoursPerWeek640.00
IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector0X
IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector1X
IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector2X
IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector3X
IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector4X
IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector5X
IRS990/Form990PartVIISectionA/NamePerson0MICHAEL BOSCHERT
IRS990/Form990PartVIISectionA/NamePerson1ERIC SLATTERY
IRS990/Form990PartVIISectionA/NamePerson2KATE RINEY
IRS990/Form990PartVIISectionA/NamePerson3LISA HUBER
IRS990/Form990PartVIISectionA/NamePerson4LUKE JUMPER
IRS990/Form990PartVIISectionA/NamePerson5PATRICIA DROIT
IRS990/Form990PartVIISectionA/NamePerson6JONATHAN NORMAN
IRS990/Form990PartVIISectionA/Officer0X
IRS990/Form990PartVIISectionA/Officer1X
IRS990/Form990PartVIISectionA/Officer2X
IRS990/Form990PartVIISectionA/OtherCompensation00
IRS990/Form990PartVIISectionA/OtherCompensation10
IRS990/Form990PartVIISectionA/OtherCompensation20
IRS990/Form990PartVIISectionA/OtherCompensation30
IRS990/Form990PartVIISectionA/OtherCompensation40
IRS990/Form990PartVIISectionA/OtherCompensation50
IRS990/Form990PartVIISectionA/OtherCompensation60
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization00
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization10
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization28674
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization30
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization41008
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization50
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization66528
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs00
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs10
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs20
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs30
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs40
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs50
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs60
IRS990/Form990PartVIISectionA/Title0BOARD CHAIRPERSON
IRS990/Form990PartVIISectionA/Title1VICE CHAIRPERSON
IRS990/Form990PartVIISectionA/Title2SECT/INTERIM MGR
IRS990/Form990PartVIISectionA/Title3DIRECTOR
IRS990/Form990PartVIISectionA/Title4DIRECTOR/INTERIM MGR
IRS990/Form990PartVIISectionA/Title5DIRECTOR
IRS990/Form990PartVIISectionA/Title6MANAGER
IRS990/Form990ProvidedToGoverningBody0true
IRS990/FormersListed0false
IRS990/FSAudited0false
IRS990/FundraisingActivities0false
IRS990/Gaming0false
IRS990/GrantsAndSimilarAmntsCY00
IRS990/GrantsToIndividuals0false
IRS990/GrantsToOrganizations0false
IRS990/GrantToRelatedPerson0false
IRS990/GrossReceipts0233949
IRS990/GroupReturnForAffiliates0false
IRS990/Hospital0false
IRS990/IndependentAuditFinancialStmt0false
IRS990/IndoorTanningServices0false
IRS990/InfoInScheduleOPartVI0X
IRS990/InformationTechnology/Total04177
IRS990/Insurance/Total06585
IRS990/Interest/Total0379
IRS990/InvestmentIncomeCurrentYear03713
IRS990/InvestmentIncomePriorYear04895
IRS990/InvestmentIncome/TotalRevenueColumn03713
IRS990/InvestmentInJointVenture0false
IRS990/InvestmentsPubTradedSecurities/EOY023800
IRS990/LandBldgEquipmentAccumDeprec016278
IRS990/LandBuildingsEquipmentBasis024599
IRS990/LandBuildingsEquipmentBasisNet/BOY06034
IRS990/LandBuildingsEquipmentBasisNet/EOY08321
IRS990/LoanToOfficerOrDQP0false
IRS990/LobbyingActivities0false
IRS990/LocalChapters0false
IRS990/MaterialDiversionOrMisuse0false
IRS990/MembersOrStockholders0true
IRS990/MethodOfAccountingAccrual0X
IRS990/MinutesOfCommittees0true
IRS990/MinutesOfGoverningBody0true
IRS990/MissionDescription0THE ALTON BELL COMMUNITY CREDIT UNION IS A NOT-FOR-PROFIT COMMUNITY BASED
IRS990/MoreThan5000KToIndividuals0false
IRS990/MoreThan5000KToOrganizations0false
IRS990/NameOfPrincipalOfficerPerson0JONATHAN NORMAN
IRS990/NbrIndependentVotingMembers06
IRS990/NbrVotingGoverningBodyMembers06
IRS990/NbrVotingMembersGoverningBody06
IRS990/NetAssetsOrFundBalancesBOY0666952
IRS990/NetAssetsOrFundBalancesEOY0524297
IRS990/NonDeductibleContributions0false
IRS990/NumberFormsTransmittedWith10960132
IRS990/NumberIndependentVotingMembers06
IRS990/NumberIndividualsGT100K00
IRS990/NumberOfContractorsGT100K00
IRS990/NumberOfEmployees06
IRS990/NumberW2GIncluded00
IRS990/Occupancy/Total022737
IRS990/OfficeExpenses/Total031682
IRS990/OfficerEntityWithBsnssRltnshp0false
IRS990/OfficerMailingAddress0false
IRS990/Organization501c0X
IRS990/OtherAssetsTotal/BOY080630
IRS990/OtherAssetsTotal/EOY022753
IRS990/OtherEmployeeBenefits/Total0695
IRS990/OtherExpensePriorYear0131734
IRS990/OtherExpensesCurrentYear0278235
IRS990/OtherExpenses/Description0DIVIDENDS
IRS990/OtherExpenses/Description1PROVISION FOR LOAN LOSSES
IRS990/OtherExpenses/Description2NCUA PREMIUM EXPENSE
IRS990/OtherExpenses/Description3DUES
IRS990/OtherExpenses/Total021679
IRS990/OtherExpenses/Total1103330
IRS990/OtherExpenses/Total26524
IRS990/OtherExpenses/Total35719
IRS990/OtherLiabilities/BOY01885296
IRS990/OtherLiabilities/EOY02311313
IRS990/OtherNotesLoansReceivableNet/BOY01920616
IRS990/OtherNotesLoansReceivableNet/EOY02002427
IRS990/OtherRevenueCurrentYear00
IRS990/OtherRevenuePriorYear057642
IRS990/OtherSalariesAndWages/Total071865
IRS990/PartialLiquidation0false
IRS990/PayrollTaxes/Total09599
IRS990/PoliticalActivities0false
IRS990/PrepaidExpensesDeferredCharges/EOY013484
IRS990/PriorExcessBenefitTransaction0false
IRS990/ProfessionalFundraising0false
IRS990/ProgramServiceRevenue/BusinessCode0900099
IRS990/ProgramServiceRevenue/BusinessCode1900099
IRS990/ProgramServiceRevenueCY0230236
IRS990/ProgramServiceRevenue/Description0LOAN INTEREST INCOME
IRS990/ProgramServiceRevenue/Description1FEES AND CHARGES
IRS990/ProgramServiceRevenuePriorYear0176803
IRS990/ProgramServiceRevenue/TotalRevenueColumn0179436
IRS990/ProgramServiceRevenue/TotalRevenueColumn150800
IRS990/ProhibitedTaxShelterTrans0false
IRS990/ReceivablesFromOfficersEtc/BOY098738
IRS990/ReconcilationRevenueExpenses0-142655
IRS990/RelatedEntity0false
IRS990/RelatedOrgControlledEntity0false
IRS990/ReportFin48Footnote0false
IRS990/ReportInvestOthSecurities0false
IRS990/ReportLandBldgEquip0true
IRS990/ReportOtherAssets0false
IRS990/ReportOtherLiabilities0true
IRS990/ReportProgRelInvest0false
IRS990/RetainedEarningsEndowmentEtc/BOY0666952
IRS990/RetainedEarningsEndowmentEtc/EOY0524297
IRS990/RevenuesLessExpensesCY0-142655
IRS990/RevenuesLessExpensesPriorYear026919
IRS990/SalariesEtcCurrentYear098369
IRS990/SalariesEtcPriorYear080687
IRS990/SavingsAndTempCashInvestments/BOY0198000
IRS990/SavingsAndTempCashInvestments/EOY0748187
IRS990/ScheduleBRequired0false
IRS990ScheduleD/Equipment/BookValue08321
IRS990ScheduleD/Equipment/Depreciation016278
IRS990ScheduleD/Equipment/OtherCostOrOtherBasis024599
IRS990ScheduleD/OtherLiabilities/Amount02311313
IRS990ScheduleD/OtherLiabilities/Description0MEMBER SHARES
IRS990ScheduleD/TotalOfAmounts02311313
IRS990ScheduleD/TotalOfBookValueLandBuildings08321
IRS990/ScheduleJRequired0false
IRS990ScheduleO/GeneralExplanation/Explanation0DIRECTORS KATE RINEY AND LISA HUBER HAVE A FAMILY RELATIONSHIP.
IRS990ScheduleO/GeneralExplanation/Explanation1THE CREDIT UNION IS A MEMBER OWNED FINANCIAL INSTITUTION.
IRS990ScheduleO/GeneralExplanation/Explanation2THE GOVERNING BODY IS ELECTED FROM AND BY THE MEMBERSHIP ANNUALLY.
IRS990ScheduleO/GeneralExplanation/Explanation3FROM TIME TO TIME, CERTAIN DECISIONS WILL BE PRESENTED TO THE MEMBERSHIP
IRS990ScheduleO/GeneralExplanation/Explanation4FOR A VOTE, WHICH IS DETERMINED ON A CASE BY CASE BASIS.
IRS990ScheduleO/GeneralExplanation/Explanation5COPIES OF THE FINAL FORM 990 AND SCHEDULES WERE MADE AVAILABLE TO
IRS990ScheduleO/GeneralExplanation/Explanation6EACH BOARD MEMBER PRIOR TO BEING FILED WITH THE IRS. BOARD MEMBERS
IRS990ScheduleO/GeneralExplanation/Explanation7WERE ASKED TO REVIEW THE RETURN INDIVIDUALLY AND TO CONTACT THE RETURN
IRS990ScheduleO/GeneralExplanation/Explanation8PREPARER, OTHER BOARD MEMBERS, OR EXECUTIVE OFFICERS WITH ANY
IRS990ScheduleO/GeneralExplanation/Explanation9QUESTIONS OR CONCERNS.
IRS990ScheduleO/GeneralExplanation/Explanation10THE CREDIT UNION'S GOVERNING DOCUMENTS, AND FINANCIAL STATEMENTS
IRS990ScheduleO/GeneralExplanation/Explanation11ARE AVAILABLE TO THE PUBLIC UPON REQUEST.
IRS990ScheduleO/GeneralExplanation/Explanation12LOAN SERVICING 2184. MISCELLANEOUS 132.
IRS990ScheduleO/GeneralExplanation/Identifier0Pt VI, Line 2
IRS990ScheduleO/GeneralExplanation/Identifier1Pt VI, Line 6
IRS990ScheduleO/GeneralExplanation/Identifier2Pt VI, Line 7a
IRS990ScheduleO/GeneralExplanation/Identifier3Pt VI, Line 7b
IRS990ScheduleO/GeneralExplanation/Identifier4Pt VI, Line 11a
IRS990ScheduleO/GeneralExplanation/Identifier5Pt VI, Line 19
IRS990ScheduleO/GeneralExplanation/Identifier6Form 990, Part IX, Line 24f
IRS990/ScheduleORequired0true
IRS990/School0false
IRS990/SignificantChange0false
IRS990/SignificantNewProgramServices0false
IRS990/StateLegalDomicile0IL
IRS990/TaxablePartyNotification0false
IRS990/TaxExemptBonds0false
IRS990/Terminated0false
IRS990/TermOrPermanentEndowments0false
IRS990/TheBooksAreInCareOf/AddressUS/AddressLine102 W BROADWAY
IRS990/TheBooksAreInCareOf/AddressUS/City0ALTON
IRS990/TheBooksAreInCareOf/AddressUS/State0IL
IRS990/TheBooksAreInCareOf/AddressUS/ZIPCode062002
IRS990/TheBooksAreInCareOf/NamePerson0JONATHAN NORMAN
IRS990/TheBooksAreInCareOf/TelephoneNumber06184623413
IRS990/TotalAssets/BOY02602248
IRS990/TotalAssetsBOY02602248
IRS990/TotalAssets/EOY02837499
IRS990/TotalAssetsEOY02837499
IRS990/TotalCompGT150K0false
IRS990/TotalExpensesCurrentYear0376604
IRS990/TotalExpensesPriorYear0212421
IRS990/TotalFunctionalExpenses/Total0376604
IRS990/TotalFundrsngExpCurrentYear00
IRS990/TotalGrossUBI00
IRS990/TotalLiabilities/BOY01935296
IRS990/TotalLiabilitiesBOY01935296
IRS990/TotalLiabilities/EOY02313202
IRS990/TotalLiabilitiesEOY02313202
IRS990/TotalLiabNetAssetsFundBalances/BOY02602248
IRS990/TotalLiabNetAssetsFundBalances/EOY02837499
IRS990/TotalNbrEmployees06
IRS990/TotalNbrVolunteers07
IRS990/TotalNetAssetsFundBalances/BOY0666952
IRS990/TotalNetAssetsFundBalances/EOY0524297
IRS990/TotalProfFundrsngExpCY00
IRS990/TotalProgramServiceRevenue0230236
IRS990/TotalReportableCompFromOrg016210
IRS990/TotalRevenueCurrentYear0233949
IRS990/TotalRevenuePriorYear0239340
IRS990/TotalRevenue/RelatedOrExemptFunctionIncome0233949
IRS990/TotalRevenue/TotalRevenueColumn0233949
IRS990/TransactionRelatedEntity0false
IRS990/Travel/Total0973
IRS990/TypeOfOrganizationCorporation0X
IRS990/UnrelatedBusinessIncome0false
IRS990/UnsecuredNotesLoansPayable/BOY050000
IRS990/UponRequest0X
IRS990/WebSite0N/A
IRS990/WhistleblowerPolicy0false
IRS990/YearFormation01940
ReturnHeader/BuildTS02016-02-24 21:20:13Z
ReturnHeader/Filer/EIN0370842931
ReturnHeader/Filer/Name/BusinessNameLine10ALTON BELL COMMUNITY CREDIT UNION
ReturnHeader/Filer/NameControl0ALTO
ReturnHeader/Filer/Phone06184623413
ReturnHeader/Filer/USAddress/AddressLine102 W BROADWAY
ReturnHeader/Filer/USAddress/City0ALTON
ReturnHeader/Filer/USAddress/State0IL
ReturnHeader/Filer/USAddress/ZIPCode062002
ReturnHeader/Officer/AuthorizeThirdParty0true
ReturnHeader/Officer/DateSigned02012-05-02
ReturnHeader/Officer/Name0JONATHAN NORMAN
ReturnHeader/Officer/Phone06184623413
ReturnHeader/Officer/Title0MANAGER
ReturnHeader/Preparer/DatePrepared02012-05-14
ReturnHeader/PreparerFirm/PreparerFirmBusinessName/BusinessNameLine10LMHN LTD
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/AddressLine10900 N WEBSTER ST PO BOX 87
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/City0TAYLORVILLE
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/State0IL
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/ZIPCode062568
ReturnHeader/Preparer/Name0IRIS N NOBLET
ReturnHeader/Preparer/Phone02178249661
ReturnHeader/ReturnType0990
ReturnHeader/TaxPeriodBeginDate02011-01-01
ReturnHeader/TaxPeriodEndDate02011-12-31
ReturnHeader/TaxYear02011
ReturnHeader/Timestamp02012-05-14T05:55:20-07:00

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings