Civic Intelligence

Bea Credit Union

990 • Fiscal year 2015 • EIN 37-6036417

Jan 01, 2015 to Dec 31, 2015 • Filed on Apr 20, 2016

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

61st percentile

0.85x

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

2015 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2015

Liabilities / Revenue

62nd percentile

19.97x

Higher debt load relative to revenue than 62% of similar nonprofits.

2015 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2015

Net Margin

99th percentile

42%

Higher net margin than 99% of similar nonprofits.

2015 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2015

Top Officer Pay

51st percentile

$27,400

Higher top officer pay than 51% of similar nonprofits.

Top officer pay equals 17.5% of source-year revenue.

2015 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2015

Asset Growth

61st percentile

2.5%

Faster asset growth than 61% of similar nonprofits.

2015 filings • 501(c)14 • $1M-$5M nonprofits • Annualized from 2014 to 2015

Revenue Growth

60th percentile

1.0%

Faster revenue growth than 60% of similar nonprofits.

2015 filings • 501(c)14 • $1M-$5M nonprofits • Annualized from 2014 to 2015

Balance Sheet
Liabilities / Assets61st percentile

Assets

Up

$3,660,998

Up $88,172 (+2.5%) from 2014

Net Assets

Up

$536,884

Up $65,000 (+14%) from 2014

Liabilities

Up

$3,124,114

Up $23,172 (+0.7%) from 2014

Revenue And Expenses
Liabilities / Revenue62nd percentileNet Margin99th percentile

Revenue

Up

$156,477

Up $1,531 (+1.0%) from 2014

Expenses

Down

$91,477

Down $33,469 (-27%) from 2014

Net Income

Up

$65,000

Up $35,000 (+117%) from 2014

Historical Trend

Balance Sheet Trend

Asset Growth61st 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

2015

Assets$3,660,998
Liabilities$3,124,114
Net Assets$536,884
Open 2015 Filing

Operations Trend

Revenue Growth60th 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

2015

Revenue$156,477
Expenses$91,477
Net Income$65,000
Open 2015 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2015 to Dec 31, 2015
Signed
Apr 20, 2016
Return Version
2015v2.1
Gross Receipts
$156,477
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$2,649,092$2,868,040▲ $218,948
Savings and Temporary Cash Investments$846,753$708,696▼ $138,057
Rtn Earn Endowment Incm Other Fnds$471,884$536,884▲ $65,000
Cash and Non-Interest-Bearing Accounts$38,000$50,000▲ $12,000
Prepaid Expenses and Deferred Charges$38,981$34,262▼ $4,719
Total Assets$3,572,826$3,660,998▲ $88,172
Liabilities
Other Liabilities$3,100,942$3,124,114▲ $23,172
Total Liabilities$3,100,942$3,124,114▲ $23,172
Net Assets / Fund Balance
Total Net Assets Fund Balance$471,884$536,884▲ $65,000
Total Liabilities and Net Assets / Fund Balance$3,572,826$3,660,998▲ $88,172
Compensation and Service Providers
Top Officer Pay51st percentile

Employees

NameTitleFull / Part TimeBaseTotal
Dorothy FranklinOffice ManagerPT$27,400$27,400
Nathan FranklinTreasurer-$3,600$3,600

Board Members and Trustees

NameTitle
Sandra WilsonChairman
Stephen LowranceVice Chairman
Breanna HamiltonDirector
Cindy BlasaDirector
Eve RemiszewskiDirector
Kim WilksDirector
Linda RoheDirector
Michelle RogersDirector
Terrina HarrisDirector
Tom RothDirector
Kim MuinSecretary
Revenue and Support

Revenue Composition

Contributions and Grants
$55
Program Service Revenue
$145,238
Investment Income
$8,204
Other Revenue
$2,980
Change in Net Assets
$65,000
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$61,868
Salaries, Compensation, and Employee Benefits$29,609
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$27,400--$27,400
Other Expenses$18,712--$18,712
Insurance$6,099--$6,099
Information Technology$5,427--$5,427
Office Expenses$3,960--$3,960
Advertising$3,843--$3,843
Fees for Services Management$3,600--$3,600
Fees for Services Legal$3,109--$3,109
Conferences and Meetings$2,880--$2,880
Occupancy$2,695--$2,695
Payroll Taxes$2,209--$2,209
Depreciation Depletion$1,250--$1,250
Travel$1,080--$1,080
Fees for Services Accounting$1,075--$1,075
Interest$144--$144
Total Functional Expenses$91,477$0$0$91,477
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$3,124,114
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
2016-04-20

Organization Details

Formed
1954
Legal Domicile
Il
Voting Board Members
12
Independent Board Members
12
Employees
1
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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/PYContributionsGrantsAmt060
IRS990/PYInvestmentIncomeAmt09568
IRS990/PYOtherExpensesAmt096198
IRS990/PYOtherRevenueAmt03125
IRS990/PYProgramServiceRevenueAmt0142193
IRS990/PYRevenuesLessExpensesAmt030000
IRS990/PYSalariesCompEmpBnftPaidAmt028748
IRS990/PYTotalExpensesAmt0124946
IRS990/PYTotalRevenueAmt0154946
IRS990/ReconcilationRevenueExpnssAmt065000
IRS990/RegularMonitoringEnfrcInd0true
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0false
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt0471884
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt0536884
IRS990/SavingsAndTempCashInvstGrp/BOYAmt0846753
IRS990/SavingsAndTempCashInvstGrp/EOYAmt0708696
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt03124114
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0Shares of Members
IRS990ScheduleD/TotalLiabilityAmt03124114
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/TotalAssetsBOYAmt03572826
IRS990/TotalAssetsEOYAmt03660998
IRS990/TotalAssetsGrp/BOYAmt03572826
IRS990/TotalAssetsGrp/EOYAmt03660998
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalContributionsAmt055
IRS990/TotalEmployeeCnt01
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt091477
IRS990/TotalFunctionalExpensesGrp/TotalAmt091477
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt03100942
IRS990/TotalLiabilitiesEOYAmt03124114
IRS990/TotalLiabilitiesGrp/BOYAmt03100942
IRS990/TotalLiabilitiesGrp/EOYAmt03124114
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt0471884
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt0536884
IRS990/TotalOtherCompensationAmt00
IRS990/TotalProgramServiceExpensesAmt091477
IRS990/TotalProgramServiceRevenueAmt0145238
IRS990/TotalReportableCompFromOrgAmt031000
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0156422
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0156477
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt03572826
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt03660998
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TransactionWithControlEntInd0false
IRS990/TravelGrp/ProgramServicesAmt01080
IRS990/TravelGrp/TotalAmt01080
IRS990/TypeOfOrganizationOtherInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/VotingMembersGoverningBodyCnt012
IRS990/VotingMembersIndependentCnt012
IRS990/WhistleblowerPolicyInd0true
ReturnHeader/BuildTS02016-09-27 15:27:22Z
ReturnHeader/BusinessOfficerGrp/PersonNm0Nathan Franklin
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0Treasurer
ReturnHeader/BusinessOfficerGrp/PhoneNum06183773948
ReturnHeader/BusinessOfficerGrp/SignatureDt02016-04-20
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/ReturnTs02016-04-20T14:23:27-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02015-01-01
ReturnHeader/TaxPeriodEndDt02015-12-31
ReturnHeader/TaxYr02015

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

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

Open filing
Assets
$3,660,998
Liabilities
$3,124,114
Net assets
$536,884
Revenue
$156,477
Expenses
$91,477
Net income
$65,000
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
2015Detailed filing. Detailed filing data is available for this year.$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
Peer Organizations

Similar nonprofits based on the same Siviq industry and scale cohort. 2015 filings • 501(c)14 • $1M-$5M nonprofits