Civic Intelligence

Bea Credit Union

990 • Fiscal year 2014 • EIN 37-6036417

Jan 01, 2014 to Dec 31, 2014 • Filed on Apr 17, 2005

Organization Profile
610 Texas BlvdBethalto, IL 62010

(618) 377-3948

Siviq Scores

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

Liabilities / Assets

68th percentile

0.87x

Higher debt load relative to assets than 68% of similar nonprofits.

2014 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2014

Liabilities / Revenue

64th percentile

20.01x

Higher debt load relative to revenue than 64% of similar nonprofits.

2014 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2014

Net Margin

86th percentile

19%

Higher net margin than 86% of similar nonprofits.

2014 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2014

Top Officer Pay

44th percentile

$26,600

Higher top officer pay than 44% of similar nonprofits.

Top officer pay equals 17.2% of source-year revenue.

2014 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2014

Asset Growth

15th percentile

-7.9%

Faster asset growth than 15% of similar nonprofits.

2014 filings • 501(c)14 • $1M-$5M nonprofits • Annualized from 2013 to 2014

Revenue Growth

23rd percentile

-7.3%

Faster revenue growth than 23% of similar nonprofits.

2014 filings • 501(c)14 • $1M-$5M nonprofits • Annualized from 2013 to 2014

Balance Sheet
Liabilities / Assets68th percentile

Assets

Down

$3,572,826

Down $305,635 (-7.9%) from 2013

Net Assets

Up

$471,884

Up $30,000 (+6.8%) from 2013

Liabilities

Down

$3,100,942

Down $335,635 (-9.8%) from 2013

Revenue And Expenses
Liabilities / Revenue64th percentileNet Margin86th percentile

Revenue

Down

$154,946

Down $12,277 (-7.3%) from 2013

Expenses

Down

$124,946

Down $42,277 (-25%) from 2013

Net Income

Up

$30,000

Up $30,000 from 2013

Historical Trend

Balance Sheet Trend

Asset Growth15th percentile

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

$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

Highlighted filing

2014

Assets$3,572,826
Liabilities$3,100,942
Net Assets$471,884
Open 2014 Filing

Operations Trend

Revenue Growth23rd percentile

Revenue, expenses, and net income across loaded years, with this 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

Highlighted filing

2014

Revenue$154,946
Expenses$124,946
Net Income$30,000
Open 2014 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2014 to Dec 31, 2014
Signed
Apr 17, 2005
Return Version
2014v5.0
Gross Receipts
$154,946
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$2,738,458$2,649,092▼ $89,366
Savings and Temporary Cash Investments$1,048,299$846,753▼ $201,546
Rtn Earn Endowment Incm Other Fnds$441,884$471,884▲ $30,000
Prepaid Expenses and Deferred Charges$41,704$38,981▼ $2,723
Cash and Non-Interest-Bearing Accounts$50,000$38,000▼ $12,000
Total Assets$3,878,461$3,572,826▼ $305,635
Liabilities
Other Liabilities$3,436,577$3,100,942▼ $335,635
Total Liabilities$3,436,577$3,100,942▼ $335,635
Net Assets / Fund Balance
Total Net Assets Fund Balance$441,884$471,884▲ $30,000
Total Liabilities and Net Assets / Fund Balance$3,878,461$3,572,826▼ $305,635
Compensation and Service Providers
Top Officer Pay44th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Dorothy FranklinOffice ManagerPT$26,600$26,600
Nathan FranklinTreasurer-$3,600$3,600

Board Members and Trustees

NameTitle
Sandra WilsonChairman
Jay StemmleyVice Chairman
Breanna HamiltonDirector
Cindy BlasaDirector
Eve RemiszewskiDirector
Kim WilksDirector
Linda RoheDirector
Stephen LowranceDirector
Terrina HarrisDirector
Tom RothDirector
Kim MuinSecretary
Revenue and Support

Revenue Composition

Contributions and Grants
$60
Program Service Revenue
$142,193
Investment Income
$9,568
Other Revenue
$3,125
Change in Net Assets
$30,000
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$96,198
Salaries, Compensation, and Employee Benefits$28,748
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$26,600--$26,600
Other Expenses$18,101--$18,101
Information Technology$6,118--$6,118
Insurance$6,006--$6,006
Fees for Services Management$3,600--$3,600
Conferences and Meetings$3,508--$3,508
Office Expenses$3,286--$3,286
Advertising$2,780--$2,780
Fees for Services Legal$2,722--$2,722
Occupancy$2,154--$2,154
Payroll Taxes$2,148--$2,148
Depreciation Depletion$1,100--$1,100
Travel$1,040--$1,040
Interest$137--$137
Total Functional Expenses$124,946$0$0$124,946
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$3,100,942
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 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

Officer directors etc family relationship Part VI line 2

“The Office Manager/Highest Compensated Employee is the mother of the Treasurer/Officer.”

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 one part-time employee 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 one part-time employee 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
610 Texas Blvd, Bethalto, IL 62010

Signing Officer

Name
Nathan Franklin
Title
Treasurer
Phone
6183773948
Signed
2005-04-17

Organization Details

Formed
1954
Legal Domicile
Il
Voting Board Members
12
Independent Board Members
12
Employees
1
Raw XML Appendix372 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/PYOtherRevenueAmt03750
IRS990/PYProgramServiceRevenueAmt0153380
IRS990/PYSalariesCompEmpBnftPaidAmt028001
IRS990/PYTotalExpensesAmt0167223
IRS990/PYTotalRevenueAmt0167223
IRS990/ReconcilationRevenueExpnssAmt030000
IRS990/RegularMonitoringEnfrcInd0true
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0false
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt0441884
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt0471884
IRS990/SavingsAndTempCashInvstGrp/BOYAmt01048299
IRS990/SavingsAndTempCashInvstGrp/EOYAmt0846753
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt03100942
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0Shares of Members
IRS990ScheduleD/TotalLiabilityAmt03100942
IRS990/ScheduleJRequiredInd0false
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0The Office Manager/Highest Compensated Employee is the mother of the Treasurer/Officer.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1The organization has members and not stockholders.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2Members may elect members of the governing body.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3Annual meetings of the members can approve actions of the governing body.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4Form 990 is completed by the treasurer and is available upon request to the governing body.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5Compliance is reviewed periodically at regularly scheduled meetings of the board of directors.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6Compensation for the one part-time employee is determined by a board committee and approved by the entire board.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7Compensation for the one part-time employee is determined by a board committee and approved by the entire board.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt8Governing documents are available upon request.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Officer directors etc family relationship Part VI line 2
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Members or stockholder classes and rights Part VI line 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Member election for additional members Part VI line 7a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Governing body decisions Part VI line 7b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Form 990 governing body review Part VI line 11
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Conflict of interest policy compliance Part VI line 12c
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6CEO executive director top management comp Part VI line 15a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7Other officer or key employee compensation Part VI line 15b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc8Governing documents etc available to public Part VI line 19
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt03878461
IRS990/TotalAssetsEOYAmt03572826
IRS990/TotalAssetsGrp/BOYAmt03878461
IRS990/TotalAssetsGrp/EOYAmt03572826
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalContributionsAmt060
IRS990/TotalEmployeeCnt01
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt0124946
IRS990/TotalFunctionalExpensesGrp/TotalAmt0124946
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt03436577
IRS990/TotalLiabilitiesEOYAmt03100942
IRS990/TotalLiabilitiesGrp/BOYAmt03436577
IRS990/TotalLiabilitiesGrp/EOYAmt03100942
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt0441884
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt0471884
IRS990/TotalOtherCompensationAmt00
IRS990/TotalProgramServiceExpensesAmt0124946
IRS990/TotalProgramServiceRevenueAmt0142193
IRS990/TotalReportableCompFromOrgAmt030200
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0154886
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0154946
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt03878461
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt03572826
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TransactionWithControlEntInd0false
IRS990/TravelGrp/ProgramServicesAmt01040
IRS990/TravelGrp/TotalAmt01040
IRS990/TypeOfOrganizationOtherInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/VotingMembersGoverningBodyCnt012
IRS990/VotingMembersIndependentCnt012
IRS990/WhistleblowerPolicyInd0true
ReturnHeader/BuildTS02016-03-07 17:11:31Z
ReturnHeader/BusinessOfficerGrp/PersonNm0Nathan Franklin
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0Treasurer
ReturnHeader/BusinessOfficerGrp/PhoneNum06183773948
ReturnHeader/BusinessOfficerGrp/SignatureDt02005-04-17
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0BEA Credit Union
ReturnHeader/Filer/BusinessNameControlTxt0BEAC
ReturnHeader/Filer/EIN0376036417
ReturnHeader/Filer/USAddress/AddressLine1Txt0610 Texas Blvd
ReturnHeader/Filer/USAddress/CityNm0Bethalto
ReturnHeader/Filer/USAddress/StateAbbreviationCd0IL
ReturnHeader/Filer/USAddress/ZIPCd062010
ReturnHeader/ReturnTs02015-04-17T13:05:15-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02014-01-01
ReturnHeader/TaxPeriodEndDt02014-12-31
ReturnHeader/TaxYr02014

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

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

Open filing
Assets
$3,572,826
Liabilities
$3,100,942
Net assets
$471,884
Revenue
$154,946
Expenses
$124,946
Net income
$30,000
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