Civic Intelligence

Bell Community Credit Union

EIN 37-0842931 • 501(c)14 • Granite City, IL

Profile

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.

C/O Gcs 3970 Maryville RoadGranite City, IL 62040

n/A

Siviq Scores

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

Liabilities / Assets

Score unavailable

No value available

Liabilities-to-assets requires both liabilities and assets on the latest valid filing.

Source year 2015

Liabilities / Revenue

95th percentile

0.00x

Tied with the lowest-debt nonprofits in its peer group.

501(c)14 • <$500k nonprofits • Source year 2015

Net Margin

53rd percentile

-71%

Higher net margin than 53% of similar nonprofits.

501(c)14 • <$500k nonprofits • Source year 2015

Top Officer Pay

Score unavailable

No value available

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

Asset Growth

95th percentile

-100%

Faster asset growth than 95% of similar nonprofits.

501(c)14 • <$500k nonprofits • Annualized from 2014 to 2015

Revenue Growth

67th percentile

-27%

Faster revenue growth than 67% of similar nonprofits.

501(c)14 • <$500k nonprofits • Annualized from 2014 to 2015

Balance Sheet
Liabilities / AssetsScore unavailable

Assets

Down

$0

Down $1,903,742 (-100%) from 2014

Liabilities

Down

$0

Down $1,595,246 (-100%) from 2014

Net Assets

Down

$0

Down $308,496 (-100%) from 2014

Operations
Liabilities / Revenue95th percentileNet Margin53rd percentile

Revenue

Down

$109,131

Down $40,279 (-27%) from 2014

Expenses

Up

$186,430

Up $4,870 (+2.7%) from 2014

Net Income

Down

-$77,299

Down $45,149 (-140%) from 2014

Trend Graphs

Balance Sheet Trend

Asset Growth95th percentile

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

$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

2015

Assets$0
Liabilities$0
Net Assets$0
Open 2015 Filing

Operations Trend

Revenue Growth67th percentile

Revenue, expenses, and net income by year, with the latest 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

2015

Revenue$109,131
Expenses$186,430
Net Income-$77,299
Open 2015 Filing

Filings

Most recent year

2015 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$0
Liabilities
$0
Net assets
$0
Revenue
$109,131
Expenses
$186,430
Net income
-$77,299
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2015Detailed filing. Detailed filing data is available for this year.$0.00$0.00$0.00$0.11$0.19$0.08
2014Detailed filing. Detailed filing data is available for this year.$1.90$1.60$0.31$0.15$0.18$0.03
2013Detailed filing. Detailed filing data is available for this year.$2.03$1.72$0.31$0.15$0.29$0.13
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$2.41$1.97$0.44$0.24
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$2.84$2.31$0.52$0.38
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$2.60$1.94$0.67$0.21
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2015 to Dec 31, 2015
Signed
May 12, 2016
Return Version
2015v2.1
Gross Receipts
$109,131
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.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$1,312,629$0▼ $1,312,629
Savings and Temporary Cash Investments$474,650$0▼ $474,650
Rtn Earn Endowment Incm Other Fnds$308,496$0▼ $308,496
Cash and Non-Interest-Bearing Accounts$61,840$0▼ $61,840
Investments in Publicly Traded Securities$23,800$0▼ $23,800
Prepaid Expenses and Deferred Charges$7,418$0▼ $7,418
Land, Buildings, and Equipment, Net$6,256$0▼ $6,256
Accounts Receivable-$0-
Pledges and Grants Receivable-$0-
Receivable From Disqualified Prsn-$0-
Receivables From Officers Etc-$0-
Investments Other Securities-$0-
Investments Program Related-$0-
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Intangible Assets-$0-
Inventories for Sale or Use-$0-
Total Assets$1,903,742$0▼ $1,903,742
Other Assets Total$17,149$0▼ $17,149
Liabilities
Other Liabilities$1,593,526$0▼ $1,593,526
Accounts Payable and Accrued Expenses$1,720$0▼ $1,720
Total Liabilities$1,595,246$0▼ $1,595,246
Net Assets / Fund Balance
Total Net Assets Fund Balance$308,496$0▼ $308,496
Total Liabilities and Net Assets / Fund Balance$1,903,742$0▼ $1,903,742
Compensation and Service Providers
Top Officer PayScore unavailable

Employees

NameTitleFull / Part TimeBaseTotal
Jonathan NormanManagerFT$48,000$48,000

Board Members and Trustees

NameTitle
Eric SlatteryChairman
Kathleen RineyVice Chairperson
Carol CrayneDirector
Luke JumperDirector
Michael BoschertDirector
Patricia DroitDirector
Lisa HuberSecretary/treasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$108,225
Investment Income
$906
Other Revenue
$0
Change in Net Assets
$-77,299
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$99,021
Salaries, Compensation, and Employee Benefits$87,409
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Current Officers, Directors, Trustees, and Key Employees---$40,000
Other Salaries and Wages---$36,479
Office Expenses---$31,965
Occupancy---$15,813
Payroll Taxes---$8,991
Fees for Services Other---$4,921
Insurance---$4,897
Information Technology---$3,784
Depreciation Depletion---$2,737
Other Expenses---$2,000
Other Employee Benefits---$1,939
All Other Expenses---$1,395
Fees for Services Legal---$810
Advertising---$639
Travel---$591
Conferences and Meetings---$80
Total Functional Expenses$0$0$0$186,430
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 Disqualified Persons-$0-
Receivables from Officers, Directors, Trustees, and Key Employees-$0-
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
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
No
Other officer compensation reviewed
No
Conflict-of-interest policy
No
Audited financial statements prepared
No
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 2

“Directors kathleen riney and lisa huber have a family relationship.”

Form 990, Part VI, Section A, Line 6

“This organization is a credit union. Therefore, in order to open an account, an individual must become a member of the credit union.”

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

“The governing body is elected from and by the membership annually.”

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

“From time to time, certain decisions will be presented to the membership for a vote, which is determined on a case by case basis.”

Form 990, Part VI, Section B, Line 11

“Copies of the form 990 and schedules were made available to each board member prior to being filed with the irs and the return was reviewed by members of gcs's management prior to being filed.”

Form 990, Part VI, Section C, Line 19

“The credit union's governing documents and financial statements are available to the public upon request.”

Filing and Contact Details

Filer

Filer Name
Bell Community Credit Union
EIN
37-0842931
Phone
6187977993
Address
C/O GCS 3970 MARYVILLE ROAD, GRANITE CITY, IL 62040

Signing Officer

Name
Keith Burton
Title
President
Phone
6187977993
Signed
2016-05-12
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Keith Burton
Formed
1940
Legal Domicile
Il
Voting Board Members
7
Independent Board Members
7
Employees
2
Volunteers
0

Preparer

Firm
Cliftonlarsonallen Llp
Address
1 BRONZE POINTE, BELLEVILLE, IL 62226
Preparer
Jeff Parker
Phone
6182331200
Supplemental Narrative

Additional Explanations

FORM 990, PART XI, LINE 9:

“All assets and liabilities acquired by gcs credit union in merger -230,698.”

Raw XML Appendix361 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
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IRS990/AccountsPayableAccrExpnssGrp/BOYAmt01720
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt00
IRS990/AccountsReceivableGrp/EOYAmt00
IRS990/ActivitiesConductedPrtshpInd00
IRS990/ActivityOrMissionDesc0THE 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/AddressChangeInd0X
IRS990/AdvertisingGrp/TotalAmt0639
IRS990/AllOtherExpensesGrp/TotalAmt01395
IRS990/BooksInCareOfDetail/BusinessName/BusinessNameLine1Txt0GCS CREDIT UNION
IRS990/BooksInCareOfDetail/PhoneNum06187977993
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt03970 MARYVILLE ROAD
IRS990/BooksInCareOfDetail/USAddress/CityNm0GRANITE CITY
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0IL
IRS990/BooksInCareOfDetail/USAddress/ZIPCd062040
IRS990/BusinessRlnWithFamMemInd00
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IRS990/CapStkTrPrinCurrentFundsGrp/BOYAmt00
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IRS990/CashNonInterestBearingGrp/BOYAmt061840
IRS990/CashNonInterestBearingGrp/EOYAmt00
IRS990/ChangeToOrgDocumentsInd00
IRS990/CntrctRcvdGreaterThan100KCnt00
IRS990/CollectionsOfArtInd00
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt040000
IRS990/CompensationFromOtherSrcsInd00
IRS990/CompensationProcessCEOInd00
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IRS990/ConflictOfInterestPolicyInd00
IRS990/ConservationEasementsInd00
IRS990/ConsolidatedAuditFinclStmtInd00
IRS990/ContractTerminationInd0X
IRS990/CreditCounselingInd00
IRS990/CYBenefitsPaidToMembersAmt00
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IRS990/CYOtherRevenueAmt00
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IRS990/CYSalariesCompEmpBnftPaidAmt087409
IRS990/CYTotalExpensesAmt0186430
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt0109131
IRS990/DecisionsSubjectToApprovaInd01
IRS990/DeductibleArtContributionInd00
IRS990/DeductibleNonCashContriInd00
IRS990/DelegationOfMgmtDutiesInd00
IRS990/DepreciationDepletionGrp/TotalAmt02737
IRS990/Desc0PROVIDED 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 375 LOAN ACCOUNTS.
IRS990/DescribedInSection501c3Ind00
IRS990/DisregardedEntityInd00
IRS990/DocumentRetentionPolicyInd00
IRS990/DonorAdvisedFundInd00
IRS990/ElectionOfBoardMembersInd01
IRS990/EmployeeCnt02
IRS990/EmploymentTaxReturnsFiledInd01
IRS990/FamilyOrBusinessRlnInd01
IRS990/FederalGrantAuditRequiredInd00
IRS990/FeesForServicesLegalGrp/TotalAmt0810
IRS990/FeesForServicesOtherGrp/TotalAmt04921
IRS990/FinalReturnInd0X
IRS990/ForeignActivitiesInd00
IRS990/ForeignFinancialAccountInd00
IRS990/ForeignOfficeInd00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt01.00
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IRS990/Form990PartVIISectionAGrp/OfficerInd0X
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IRS990/Form990PartVIISectionAGrp/OfficerInd2X
IRS990/Form990PartVIISectionAGrp/OfficerInd3X
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt00
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt10
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt20
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt30
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt40
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt50
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt60
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt70
IRS990/Form990PartVIISectionAGrp/PersonNm0ERIC SLATTERY
IRS990/Form990PartVIISectionAGrp/PersonNm1KATHLEEN RINEY
IRS990/Form990PartVIISectionAGrp/PersonNm2LISA HUBER
IRS990/Form990PartVIISectionAGrp/PersonNm3MICHAEL BOSCHERT
IRS990/Form990PartVIISectionAGrp/PersonNm4CAROL CRAYNE
IRS990/Form990PartVIISectionAGrp/PersonNm5PATRICIA DROIT
IRS990/Form990PartVIISectionAGrp/PersonNm6LUKE JUMPER
IRS990/Form990PartVIISectionAGrp/PersonNm7JONATHAN NORMAN
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt748000
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt70
IRS990/Form990PartVIISectionAGrp/TitleTxt0CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt1VICE CHAIRPERSON
IRS990/Form990PartVIISectionAGrp/TitleTxt2SECRETARY/TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt3DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt4DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt5DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt7MANAGER
IRS990/Form990ProvidedToGvrnBodyInd01
IRS990/FormationYr01940
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IRS990/FSAuditedInd00
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IRS990/GoverningBodyVotingMembersCnt07
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossReceiptsAmt0109131
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd00
IRS990/IndependentAuditFinclStmtInd00
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IRS990/IndivRcvdGreaterThan100KCnt00
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartXIInd0X
IRS990/InformationTechnologyGrp/TotalAmt03784
IRS990/InsuranceGrp/TotalAmt04897
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IRS990/InvestmentIncomeGrp/ExclusionAmt0906
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt0906
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt00
IRS990/InvestmentsProgramRelatedGrp/EOYAmt00
IRS990/InvestmentsPubTradedSecGrp/BOYAmt023800
IRS990/InvestmentsPubTradedSecGrp/EOYAmt00
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IRS990/IRPDocumentW2GCnt00
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IRS990/LandBldgEquipCostOrOtherBssAmt00
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IRS990/LocalChaptersInd00
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IRS990/MoreThan5000KToIndividualsInd00
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IRS990/OperateHospitalInd00
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IRS990/OtherExpensesGrp/Desc1DUES
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IRS990/OtherExpensesGrp/Desc3PROVISION FOR LOAN LOSS
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IRS990/OtherExpensesGrp/TotalAmt15390
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IRS990/PoliticalCampaignActyInd00
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IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt00
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IRS990/PriorPeriodAdjustmentsAmt0-499
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522130
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IRS990/ProgramServiceRevenueGrp/Desc1FEES AND CHARGES
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IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
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IRS990/SavingsAndTempCashInvstGrp/EOYAmt00
IRS990/ScheduleBRequiredInd00
IRS990/ScheduleJRequiredInd00
IRS990ScheduleN/AssetsDistributedInd00
IRS990ScheduleN/AttorneyGeneralNotifiedInd00
IRS990ScheduleN/BondsOutstandingInd00
IRS990ScheduleN/DirectorOfSuccessorInd00
IRS990ScheduleN/EmployeeOfSuccessorInd01
IRS990ScheduleN/LiabilitiesPaidInd00
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/AssetsDistriOrExpnssPaidDesc0ALL ASSETS AND LIABILITIES
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/BusinessName/BusinessNameLine1Txt0GCS CREDIT UNION
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/DistributionDt02015-10-31
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/EIN0370646488
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/FairMarketValueOfAssetAmt01588278
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/IRCSectionTxt0501(C)(14)
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/MethodOfFMVDeterminationTxt0ACTUAL CASH AND FAIR MARKET VALUE OF INVESTMENTS
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/AddressLine1Txt03970 MARYVILLE ROAD
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/CityNm0GRANITE CITY
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/StateAbbreviationCd0IL
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/ZIPCd062040
IRS990ScheduleN/OwnerOfSuccessorInd00
IRS990ScheduleN/ReceiveCompensationInd00
IRS990ScheduleN/RequiredToNotifyAGInd00
IRS990ScheduleN/SupplementalInformationDetail/ExplanationTxt0PERSON(S) INVOLVED: JONATHAN NORMAN
IRS990ScheduleN/SupplementalInformationDetail/ExplanationTxt1EXPLANATION OF INVOLVEMENT: MR. NORMAN WILL BE A BRANCH MANAGER WITH GCS AFTER THE MERGER.
IRS990ScheduleN/SupplementalInformationDetail/FormAndLineReferenceDesc0PART I, LINE 2E:
IRS990ScheduleN/SupplementalInformationDetail/FormAndLineReferenceDesc1PART I, LINE 2E:
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0DIRECTORS KATHLEEN RINEY AND LISA HUBER HAVE A FAMILY RELATIONSHIP.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THIS ORGANIZATION IS A CREDIT UNION. THEREFORE, IN ORDER TO OPEN AN ACCOUNT, AN INDIVIDUAL MUST BECOME A MEMBER OF THE CREDIT UNION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2THE GOVERNING BODY IS ELECTED FROM AND BY THE MEMBERSHIP ANNUALLY.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3FROM TIME TO TIME, CERTAIN DECISIONS WILL BE PRESENTED TO THE MEMBERSHIP FOR A VOTE, WHICH IS DETERMINED ON A CASE BY CASE BASIS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4COPIES OF THE FORM 990 AND SCHEDULES WERE MADE AVAILABLE TO EACH BOARD MEMBER PRIOR TO BEING FILED WITH THE IRS AND THE RETURN WAS REVIEWED BY MEMBERS OF GCS'S MANAGEMENT PRIOR TO BEING FILED.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5THE CREDIT UNION'S GOVERNING DOCUMENTS AND FINANCIAL STATEMENTS ARE AVAILABLE TO THE PUBLIC UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6ALL ASSETS AND LIABILITIES ACQUIRED BY GCS CREDIT UNION IN MERGER -230,698.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PART VI, SECTION A, LINE 2
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 A, LINE 7B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PART VI, SECTION B, LINE 11
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PART VI, SECTION C, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PART XI, LINE 9:
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/SubjectToProxyTaxInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TempOrPermanentEndowmentsInd00
IRS990/TerminateOperationsInd01
IRS990/TotalAssetsBOYAmt01903742
IRS990/TotalAssetsEOYAmt00
IRS990/TotalAssetsGrp/BOYAmt01903742
IRS990/TotalAssetsGrp/EOYAmt00
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalEmployeeCnt02
IRS990/TotalFunctionalExpensesGrp/TotalAmt0186430
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt01595246
IRS990/TotalLiabilitiesEOYAmt00
IRS990/TotalLiabilitiesGrp/BOYAmt01595246
IRS990/TotalLiabilitiesGrp/EOYAmt00
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt0308496
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt00
IRS990/TotalOtherCompensationAmt00
IRS990/TotalProgramServiceRevenueAmt0108225
IRS990/TotalReportableCompFromOrgAmt048000
IRS990/TotalRevenueGrp/ExclusionAmt0906
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0108225
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0109131
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt00
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt01903742
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt00
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TravelGrp/TotalAmt0591
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd00
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt0C/O GCS 3970 MARYVILLE ROAD
IRS990/USAddress/CityNm0GRANITE CITY
IRS990/USAddress/StateAbbreviationCd0IL
IRS990/USAddress/ZIPCd062040
IRS990/VotingMembersGoverningBodyCnt07
IRS990/VotingMembersIndependentCnt07
IRS990/WebsiteAddressTxt0N/A
IRS990/WhistleblowerPolicyInd00
ReturnHeader/BuildTS02016-09-27 15:27:22Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0KEITH BURTON
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT
ReturnHeader/BusinessOfficerGrp/PhoneNum06187977993
ReturnHeader/BusinessOfficerGrp/SignatureDt02016-05-12
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0BELL COMMUNITY CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0BELL
ReturnHeader/Filer/EIN0370842931
ReturnHeader/Filer/PhoneNum06187977993
ReturnHeader/Filer/USAddress/AddressLine1Txt0C/O GCS 3970 MARYVILLE ROAD
ReturnHeader/Filer/USAddress/CityNm0GRANITE CITY
ReturnHeader/Filer/USAddress/StateAbbreviationCd0IL
ReturnHeader/Filer/USAddress/ZIPCd062040
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0410746749
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0CLIFTONLARSONALLEN LLP
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt01 BRONZE POINTE
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0BELLEVILLE
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0IL
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd062226
ReturnHeader/PreparerPersonGrp/PhoneNum06182331200
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0JEFF PARKER
ReturnHeader/ReturnTs02016-05-13T13:18:35-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02015-01-01
ReturnHeader/TaxPeriodEndDt02015-12-31
ReturnHeader/TaxYr02015

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