Civic Intelligence

Bea Credit Union

EIN 37-6036417 • 501(c)14 • Bethalto, IL

Profile

To assist our members by providing loans and savings accounts.

101 School StreetBethalto, IL 62010
Siviq Scores

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

Liabilities / Assets

35th percentile

0.76x

Higher debt load relative to assets than 35% of similar nonprofits.

501(c)14 • $1M-$5M nonprofits • Source year 2024

Liabilities / Revenue

61st percentile

13.12x

Higher debt load relative to revenue than 61% of similar nonprofits.

501(c)14 • $1M-$5M nonprofits • Source year 2024

Net Margin

70th percentile

9.0%

Higher net margin than 70% of similar nonprofits.

501(c)14 • $1M-$5M nonprofits • Source year 2024

Top Officer Pay

18th percentile

$0

Higher top officer pay than 18% of similar nonprofits.

Top officer pay equals 0.0% of source-year revenue.

501(c)14 • $1M-$5M nonprofits • Source year 2024

Asset Growth

40th percentile

-14%

Faster asset growth than 40% of similar nonprofits.

501(c)14 • $1M-$5M nonprofits • Annualized from 2023 to 2024

Revenue Growth

61st percentile

1.2%

Faster revenue growth than 61% of similar nonprofits.

501(c)14 • $1M-$5M nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets35th percentile

Using 2023 Form 990 data because the latest 2024 filing does not report standard financial totals.

Assets

Down

$2,971,573

Down $92,289 (-3.0%) from 2022

Liabilities

Down

$2,365,974

Down $122,803 (-4.9%) from 2022

Net Assets

Up

$605,599

Up $30,514 (+5.3%) from 2022

Operations
Liabilities / Revenue61st percentileNet Margin70th percentile

Revenue

Up

$144,925

Up $33,150 (+30%) from 2022

Expenses

Up

$114,411

Up $2,977 (+2.7%) from 2022

Net Income

Up

$30,514

Up $30,173 (+8848%) from 2022

Trend Graphs

Balance Sheet Trend

Asset Growth40th percentile

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

$6.0M$4.0M$2.0M$0Assets 2011: $4,103,810Liabilities 2011: $3,691,926Net Assets 2011: $411,8842011Assets 2012: $4,136,957Liabilities 2012: $3,695,073Net Assets 2012: $441,8842012Assets 2013: $3,878,461Liabilities 2013: $3,436,577Net Assets 2013: $441,8842013Assets 2014: $3,572,826Liabilities 2014: $3,100,942Net Assets 2014: $471,8842014Assets 2015: $3,660,998Liabilities 2015: $3,124,114Net Assets 2015: $536,8842015Assets 2016: $3,803,190Liabilities 2016: $3,221,306Net Assets 2016: $581,8842016Assets 2017: $3,641,862Liabilities 2017: $3,030,978Net Assets 2017: $610,8842017Assets 2018: $3,548,510Liabilities 2018: $2,918,062Net Assets 2018: $630,4482018Assets 2019: $3,094,571Liabilities 2019: $2,465,777Net Assets 2019: $628,7942019Assets 2020: $3,070,358Liabilities 2020: $2,513,302Net Assets 2020: $557,0562020Assets 2021: $3,216,242Liabilities 2021: $2,641,498Net Assets 2021: $574,7442021Assets 2022: $3,063,862Liabilities 2022: $2,488,777Net Assets 2022: $575,0852022Assets 2023: $2,971,573Liabilities 2023: $2,365,974Net Assets 2023: $605,5992023

Latest loaded filing

2023

Assets$2,971,573
Liabilities$2,365,974
Net Assets$605,599
Open 2023 Filing

Operations Trend

Revenue Growth61st percentile

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

$300K$200K$100K$0-$100KRevenue 2011: $171,340Expenses 2011: $97,593Net Income 2011: $73,7472011Expenses 2012: $145,2642012Revenue 2013: $167,223Expenses 2013: $167,223Net Income 2013: $02013Revenue 2014: $154,946Expenses 2014: $124,946Net Income 2014: $30,0002014Revenue 2015: $156,477Expenses 2015: $91,477Net Income 2015: $65,0002015Revenue 2016: $157,729Expenses 2016: $112,729Net Income 2016: $45,0002016Revenue 2017: $162,766Expenses 2017: $133,766Net Income 2017: $29,0002017Revenue 2018: $171,384Expenses 2018: $151,820Net Income 2018: $19,5642018Revenue 2019: $151,489Expenses 2019: $153,143Net Income 2019: -$1,6542019Revenue 2020: $129,360Expenses 2020: $201,098Net Income 2020: -$71,7382020Revenue 2021: $148,577Expenses 2021: $130,889Net Income 2021: $17,6882021Revenue 2022: $111,775Expenses 2022: $111,434Net Income 2022: $3412022Revenue 2023: $144,925Expenses 2023: $114,411Net Income 2023: $30,5142023

Latest loaded filing

2023

Revenue$144,925
Expenses$114,411
Net Income$30,514
Open 2023 Filing

Filings

Most recent year

2024 • Form 990XML pending. An XML filing is linked for this year, but detailed extraction is still pending.

Open filing
Assets
-
Liabilities
-
Net assets
-
Revenue
-
Expenses
-
Net income
-
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024XML pending. An XML filing is linked for this year, but detailed extraction is still pending.
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$2.97$2.37$0.61$0.14$0.11$0.03
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$3.06$2.49$0.58$0.11$0.11$0.00
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$3.22$2.64$0.57$0.15$0.13$0.02
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$3.07$2.51$0.56$0.13$0.20$0.07
2019Facts available. Structured filing facts are available, but richer extracted sections are limited.$3.09$2.47$0.63$0.15$0.15$0.00
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$3.55$2.92$0.63$0.17$0.15$0.02
2017Facts available. Structured filing facts are available, but richer extracted sections are limited.$3.64$3.03$0.61$0.16$0.13$0.03
2016Facts available. Structured filing facts are available, but richer extracted sections are limited.$3.80$3.22$0.58$0.16$0.11$0.05
2015XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$3.66$3.12$0.54$0.16$0.09$0.07
2014Detailed filing. Detailed filing data is available for this year.$3.57$3.10$0.47$0.15$0.12$0.03
2013XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$3.88$3.44$0.44$0.17$0.17$0.00
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$4.14$3.70$0.44$0.15
2011Summary only. Only limited summary data is available for this year.$4.10$3.69$0.41$0.17$0.10$0.07
Latest Detailed Filing

The latest 2024 filing currently has linked XML that has not been fully parsed yet. Showing the latest detailed filing from 2019 below.

Jump To
Filing Snapshot
Filing Period
Jan 1, 2019 to Dec 31, 2019
Signed
Apr 21, 2020
Return Version
2019v5.1
Gross Receipts
$151,489
Mission and Program Overview

Mission

To assist our members by providing loans and savings accounts.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$2,842,952$2,394,094▼ $448,858
Rtn Earn Endowment Incm Other Fnds$630,448$628,794▼ $1,654
Cash and Non-Interest-Bearing Accounts$167,804$366,884▲ $199,080
Savings and Temporary Cash Investments$504,513$302,933▼ $201,580
Prepaid Expenses and Deferred Charges$33,241$30,660▼ $2,581
Total Assets$3,548,510$3,094,571▼ $453,939
Liabilities
Other Liabilities$2,678,062$2,464,888▼ $213,174
Mortgage Notes Payable Secured by Investment Property$240,000--
Accounts Payable and Accrued Expenses-$889-
Total Liabilities$2,918,062$2,465,777▼ $452,285
Net Assets / Fund Balance
Total Net Assets Fund Balance$630,448$628,794▼ $1,654
Total Liabilities and Net Assets / Fund Balance$3,548,510$3,094,571▼ $453,939
Compensation and Service Providers
Top Officer Pay18th percentile

Board Members and Trustees

NameTitle
Stephen LowranceChairman
Eve RemiszewskiVice Chairman
April WrennDirector
Cindy BlasaDirector
Linda RoheDirector
Lisa RogersDirector
Sandra WilsonDirector
Terrina HarrisDirector
Kim MuinSecretary
Joseph SchoppetTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$713
Program Service Revenue
$145,446
Investment Income
$4,579
Other Revenue
$751
Change in Net Assets
$-1,654
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$118,077
Salaries, Compensation, and Employee Benefits$35,066
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$30,900--$30,900
Other Expenses$18,034--$18,034
Fees for Services Legal$9,078--$9,078
Interest$6,875--$6,875
Insurance$5,786--$5,786
Information Technology$5,615--$5,615
Conferences and Meetings$4,176--$4,176
Office Expenses$2,524--$2,524
Payroll Taxes$2,486--$2,486
Fees for Services Management$2,116--$2,116
Fees for Services Accounting$1,920--$1,920
Other Salaries and Wages$1,680--$1,680
Advertising$1,562--$1,562
Occupancy$1,277--$1,277
Total Functional Expenses$153,143$0$0$153,143
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
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Shares of Members$2,464,888
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
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
Yes
Management duties delegated
No

Governance Explanations

Members or stockholder classes and rights Part VI line 6

“The organization has members and not stockholders.”

Member election for additional members Part VI line 7A

“Members may elect members of the governing body.”

Governing body decisions Part VI line 7B

“Annual meetings of the members can approve actions of the governing body.”

Form 990 governing body review Part VI line 11

“Form 990 is completed by the treasurer and is available upon request to the governing body.”

Conflict of interest policy compliance Part VI line 12C

“Compliance is reviewed periodically at regularly scheduled meetings of the board of directors.”

CEO executive director top management comp Part VI line 15A

“Compensation for the two part-time employees is determined by a board committee and approved by the entire board.”

Other officer or key employee compensation Part VI line 15B

“Compensation for the two part-time employees is determined by a board committee and approved by the entire board.”

Governing documents etc available to public Part VI line 19

“Governing documents are available upon request.”

Filing and Contact Details

Filer

Filer Name
BEA Credit Union
EIN
37-6036417
Address
101 School Street, Bethalto, IL 62010

Signing Officer

Name
Joseph Schoppet
Title
Treasurer
Phone
6183773948
Signed
2020-04-21
Discuss with paid preparer
Yes

Organization Details

Formed
1954
Legal Domicile
Il
Voting Board Members
10
Independent Board Members
10
Employees
2

Preparer

Firm
Franklin & Vaughn LLC
Address
7321 SOUTH LINDBERGH BLVD SUITE 310, Saint Louis, MO 63125
Preparer
Nathan Franklin
Phone
3144339707
Raw XML Appendix370 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/AccountantCompileOrReviewInd0false
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt0889
IRS990/ActivitiesConductedPrtshpInd0false
IRS990/ActivityOrMissionDesc0To assist our members by providing loans and savings accounts.
IRS990/AdvertisingGrp/ProgramServicesAmt01562
IRS990/AdvertisingGrp/TotalAmt01562
IRS990/AnnualDisclosureCoveredPrsnInd0true
IRS990/BackupWthldComplianceInd0true
IRS990/BooksInCareOfDetail/PersonNm0Joseph Schoppet
IRS990/BooksInCareOfDetail/PhoneNum06183773948
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt0101 School Street
IRS990/BooksInCareOfDetail/USAddress/CityNm0Bethalto
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0IL
IRS990/BooksInCareOfDetail/USAddress/ZIPCd062010
IRS990/BusinessRlnWith35CtrlEntInd0false
IRS990/BusinessRlnWithFamMemInd0false
IRS990/BusinessRlnWithOrgMemInd0false
IRS990/CashNonInterestBearingGrp/BOYAmt0167804
IRS990/CashNonInterestBearingGrp/EOYAmt0366884
IRS990/ChangeToOrgDocumentsInd0false
IRS990/CollectionsOfArtInd0false
IRS990/CompCurrentOfcrDirectorsGrp/ProgramServicesAmt030900
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt030900
IRS990/CompensationFromOtherSrcsInd0false
IRS990/CompensationProcessCEOInd0true
IRS990/CompensationProcessOtherInd0true
IRS990/ConferencesMeetingsGrp/ProgramServicesAmt04176
IRS990/ConferencesMeetingsGrp/TotalAmt04176
IRS990/ConflictOfInterestPolicyInd0true
IRS990/ConservationEasementsInd0false
IRS990/ConsolidatedAuditFinclStmtInd0false
IRS990/CreditCounselingInd0false
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt0713
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt04579
IRS990/CYOtherExpensesAmt0118077
IRS990/CYOtherRevenueAmt0751
IRS990/CYProgramServiceRevenueAmt0145446
IRS990/CYRevenuesLessExpensesAmt0-1654
IRS990/CYSalariesCompEmpBnftPaidAmt035066
IRS990/CYTotalExpensesAmt0153143
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt0151489
IRS990/DecisionsSubjectToApprovaInd0true
IRS990/DeductibleArtContributionInd0false
IRS990/DeductibleNonCashContriInd0false
IRS990/DelegationOfMgmtDutiesInd0false
IRS990/Desc0Provided consumer loans to 354 members and received deposits on savings from 582 members.
IRS990/DescribedInSection501c3Ind0false
IRS990/DisregardedEntityInd0false
IRS990/DocumentRetentionPolicyInd0true
IRS990/DonorAdvisedFundInd0false
IRS990/DonorRstrOrQuasiEndowmentsInd0false
IRS990/ElectionOfBoardMembersInd0true
IRS990/EmployeeCnt02
IRS990/EmploymentTaxReturnsFiledInd0true
IRS990/ExpenseAmt0153143
IRS990/FamilyOrBusinessRlnInd0false
IRS990/FederalGrantAuditRequiredInd0false
IRS990/FeesForServicesAccountingGrp/ProgramServicesAmt01920
IRS990/FeesForServicesAccountingGrp/TotalAmt01920
IRS990/FeesForServicesLegalGrp/ProgramServicesAmt09078
IRS990/FeesForServicesLegalGrp/TotalAmt09078
IRS990/FeesForServicesManagementGrp/ProgramServicesAmt02116
IRS990/FeesForServicesManagementGrp/TotalAmt02116
IRS990/ForeignActivitiesInd0false
IRS990/ForeignFinancialAccountInd0false
IRS990/ForeignOfficeInd0false
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt00.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt10.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt20.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt30.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt40.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt50.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt60.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt70.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt80.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt90.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt00.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt10.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt20.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt30.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt40.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt50.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt60.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt70.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt80.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt90.00
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd1X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd2X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd3X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd4X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd5X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd6X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd7X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd8X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd9X
IRS990/Form990PartVIISectionAGrp/OfficerInd0X
IRS990/Form990PartVIISectionAGrp/OfficerInd1X
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/OtherCompensationAmt80
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt90
IRS990/Form990PartVIISectionAGrp/PersonNm0Stephen Lowrance
IRS990/Form990PartVIISectionAGrp/PersonNm1Eve Remiszewski
IRS990/Form990PartVIISectionAGrp/PersonNm2Joseph Schoppet
IRS990/Form990PartVIISectionAGrp/PersonNm3Cindy Blasa
IRS990/Form990PartVIISectionAGrp/PersonNm4Kim Muin
IRS990/Form990PartVIISectionAGrp/PersonNm5Terrina Harris
IRS990/Form990PartVIISectionAGrp/PersonNm6Lisa Rogers
IRS990/Form990PartVIISectionAGrp/PersonNm7April Wrenn
IRS990/Form990PartVIISectionAGrp/PersonNm8Linda Rohe
IRS990/Form990PartVIISectionAGrp/PersonNm9Sandra Wilson
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt90
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt90
IRS990/Form990PartVIISectionAGrp/TitleTxt0Chairman
IRS990/Form990PartVIISectionAGrp/TitleTxt1Vice Chairman
IRS990/Form990PartVIISectionAGrp/TitleTxt2Treasurer
IRS990/Form990PartVIISectionAGrp/TitleTxt3Director
IRS990/Form990PartVIISectionAGrp/TitleTxt4Secretary
IRS990/Form990PartVIISectionAGrp/TitleTxt5Director
IRS990/Form990PartVIISectionAGrp/TitleTxt6Director
IRS990/Form990PartVIISectionAGrp/TitleTxt7Director
IRS990/Form990PartVIISectionAGrp/TitleTxt8Director
IRS990/Form990PartVIISectionAGrp/TitleTxt9Director
IRS990/Form990ProvidedToGvrnBodyInd0true
IRS990/FormationYr01954
IRS990/FormerOfcrEmployeesListedInd0false
IRS990/FSAuditedInd0false
IRS990/FundraisingActivitiesInd0false
IRS990/GamingActivitiesInd0false
IRS990/GoverningBodyVotingMembersCnt010
IRS990/GrantsToIndividualsInd0false
IRS990/GrantsToOrganizationsInd0false
IRS990/GrantToRelatedPersonInd0false
IRS990/GrossReceiptsAmt0151489
IRS990/GroupReturnForAffiliatesInd0false
IRS990/IncludeFIN48FootnoteInd0false
IRS990/IndependentAuditFinclStmtInd0false
IRS990/IndependentVotingMemberCnt010
IRS990/IndivRcvdGreaterThan100KCnt00
IRS990/IndoorTanningServicesInd0false
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InformationTechnologyGrp/ProgramServicesAmt05615
IRS990/InformationTechnologyGrp/TotalAmt05615
IRS990/InsuranceGrp/ProgramServicesAmt05786
IRS990/InsuranceGrp/TotalAmt05786
IRS990/InterestGrp/ProgramServicesAmt06875
IRS990/InterestGrp/TotalAmt06875
IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt04579
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt04579
IRS990/InvestmentInJointVentureInd0false
IRS990/IRPDocumentCnt00
IRS990/IRPDocumentW2GCnt00
IRS990/LegalDomicileStateCd0IL
IRS990/LoanOutstandingInd0false
IRS990/LocalChaptersInd0true
IRS990/MaterialDiversionOrMisuseInd0false
IRS990/MembershipDuesAmt0713
IRS990/MembersOrStockholdersInd0true
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd0true
IRS990/MinutesOfGoverningBodyInd0true
IRS990/MissionDesc0To assist our members by providing loans and savings accounts.
IRS990/MoreThan5000KToIndividualsInd0false
IRS990/MoreThan5000KToOrgInd0false
IRS990/MortgNotesPyblScrdInvstPropGrp/BOYAmt0240000
IRS990/NetAssetsOrFundBalancesBOYAmt0630448
IRS990/NetAssetsOrFundBalancesEOYAmt0628794
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NoListedPersonsCompensatedInd0X
IRS990/NondeductibleContributionsInd0false
IRS990/OccupancyGrp/ProgramServicesAmt01277
IRS990/OccupancyGrp/TotalAmt01277
IRS990/OfficeExpensesGrp/ProgramServicesAmt02524
IRS990/OfficeExpensesGrp/TotalAmt02524
IRS990/OfficerMailingAddressInd0false
IRS990/OperateHospitalInd0false
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherExpensesGrp/Desc0Association Dues
IRS990/OtherExpensesGrp/Desc1Supervision Fee
IRS990/OtherExpensesGrp/Desc2Loan Loss Provision
IRS990/OtherExpensesGrp/Desc3Dividend
IRS990/OtherExpensesGrp/ProgramServicesAmt05560
IRS990/OtherExpensesGrp/ProgramServicesAmt12599
IRS990/OtherExpensesGrp/ProgramServicesAmt250955
IRS990/OtherExpensesGrp/ProgramServicesAmt318034
IRS990/OtherExpensesGrp/TotalAmt05560
IRS990/OtherExpensesGrp/TotalAmt12599
IRS990/OtherExpensesGrp/TotalAmt250955
IRS990/OtherExpensesGrp/TotalAmt318034
IRS990/OtherLiabilitiesGrp/BOYAmt02678062
IRS990/OtherLiabilitiesGrp/EOYAmt02464888
IRS990/OtherOrganizationDsc0Cooperative
IRS990/OtherRevenueMiscGrp/BusinessCd0900099
IRS990/OtherRevenueMiscGrp/Desc0Other Revenue
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt0751
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt0751
IRS990/OtherRevenueTotalAmt0751
IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt01680
IRS990/OtherSalariesAndWagesGrp/TotalAmt01680
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt02842952
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt02394094
IRS990/PartialLiquidationInd0false
IRS990/PayrollTaxesGrp/ProgramServicesAmt02486
IRS990/PayrollTaxesGrp/TotalAmt02486
IRS990/PoliciesReferenceChaptersInd0true
IRS990/PoliticalCampaignActyInd0false
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt033241
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt030660
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/Desc0Interest on Loans
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt0145446
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt0145446
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYContributionsGrantsAmt075
IRS990/PYInvestmentIncomeAmt06590
IRS990/PYOtherExpensesAmt0115767
IRS990/PYOtherRevenueAmt04179
IRS990/PYProgramServiceRevenueAmt0160540
IRS990/PYRevenuesLessExpensesAmt019564
IRS990/PYSalariesCompEmpBnftPaidAmt036053
IRS990/PYTotalExpensesAmt0151820
IRS990/PYTotalRevenueAmt0171384
IRS990/ReconcilationRevenueExpnssAmt0-1654
IRS990/RegularMonitoringEnfrcInd0true
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0false
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt0630448
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt0628794
IRS990/SavingsAndTempCashInvstGrp/BOYAmt0504513
IRS990/SavingsAndTempCashInvstGrp/EOYAmt0302933
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt02464888
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0Shares of Members
IRS990ScheduleD/TotalLiabilityAmt02464888
IRS990/ScheduleJRequiredInd0false
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0The organization has members and not stockholders.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1Members may elect members of the governing body.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2Annual meetings of the members can approve actions of the governing body.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3Form 990 is completed by the treasurer and is available upon request to the governing body.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4Compliance is reviewed periodically at regularly scheduled meetings of the board of directors.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5Compensation for the two part-time employees is determined by a board committee and approved by the entire board.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6Compensation for the two part-time employees is determined by a board committee and approved by the entire board.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7Governing documents are available upon request.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Members or stockholder classes and rights Part VI line 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Member election for additional members Part VI line 7a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Governing body decisions Part VI line 7b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990 governing body review Part VI line 11
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Conflict of interest policy compliance Part VI line 12c
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5CEO executive director top management comp Part VI line 15a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6Other officer or key employee compensation Part VI line 15b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7Governing documents etc available to public Part VI line 19
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/SubjectToExcsTaxNetInvstIncInd0false
IRS990/SubjToTaxRmnrtnExPrchtPymtInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt03548510
IRS990/TotalAssetsEOYAmt03094571
IRS990/TotalAssetsGrp/BOYAmt03548510
IRS990/TotalAssetsGrp/EOYAmt03094571
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalContributionsAmt0713
IRS990/TotalEmployeeCnt02
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt0153143
IRS990/TotalFunctionalExpensesGrp/TotalAmt0153143
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt02918062
IRS990/TotalLiabilitiesEOYAmt02465777
IRS990/TotalLiabilitiesGrp/BOYAmt02918062
IRS990/TotalLiabilitiesGrp/EOYAmt02465777
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt0630448
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt0628794
IRS990/TotalOtherCompensationAmt00
IRS990/TotalProgramServiceExpensesAmt0153143
IRS990/TotalProgramServiceRevenueAmt0145446
IRS990/TotalReportableCompFromOrgAmt00
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0150776
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0151489
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt03548510
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt03094571
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TransactionWithControlEntInd0false
IRS990/TypeOfOrganizationOtherInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/VotingMembersGoverningBodyCnt010
IRS990/VotingMembersIndependentCnt010
IRS990/WhistleblowerPolicyInd0true
ReturnHeader/BuildTS02020-09-23 17:36:50Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0Joseph Schoppet
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0Treasurer
ReturnHeader/BusinessOfficerGrp/PhoneNum06183773948
ReturnHeader/BusinessOfficerGrp/SignatureDt02020-04-21
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0BEA Credit Union
ReturnHeader/Filer/BusinessNameControlTxt0BEAC
ReturnHeader/Filer/EIN0376036417
ReturnHeader/Filer/USAddress/AddressLine1Txt0101 School Street
ReturnHeader/Filer/USAddress/CityNm0Bethalto
ReturnHeader/Filer/USAddress/StateAbbreviationCd0IL
ReturnHeader/Filer/USAddress/ZIPCd062010
ReturnHeader/FilingSecurityInformation/AtSubmissionCreationDeviceId0E2679F1B9EBFC23F60B5F68A029287008EF6A07D
ReturnHeader/FilingSecurityInformation/AtSubmissionFilingDeviceId0E2679F1B9EBFC23F60B5F68A029287008EF6A07D
ReturnHeader/FilingSecurityInformation/FederalOriginalSubmissionId03726812020126pypkkkr
ReturnHeader/FilingSecurityInformation/FederalOriginalSubmissionIdDt02020-05-05
ReturnHeader/FilingSecurityInformation/FilingLicenseTypeCd0P
ReturnHeader/FilingSecurityInformation/IPAddress/IPv4AddressTxt024.182.255.193
ReturnHeader/FilingSecurityInformation/IPDt02020-05-05
ReturnHeader/FilingSecurityInformation/IPTm011:07:43
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0271197162
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0FRANKLIN & VAUGHN LLC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt07321 SOUTH LINDBERGH BLVD SUITE 310
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0Saint Louis
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0MO
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd063125
ReturnHeader/PreparerPersonGrp/PhoneNum03144339707
ReturnHeader/PreparerPersonGrp/PreparationDt02020-04-29
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0NATHAN FRANKLIN
ReturnHeader/ReturnTs02020-04-29T10:01:38-04:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02019-01-01
ReturnHeader/TaxPeriodEndDt02019-12-31
ReturnHeader/TaxYr02019

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