Civic Intelligence

Bea Credit Union

990 • Fiscal year 2017 • EIN 37-6036417

Jan 01, 2017 to Dec 31, 2017 • Filed on Apr 18, 2018

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

51st percentile

0.83x

Higher debt load relative to assets than 51% of similar nonprofits.

2017 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2017

Liabilities / Revenue

55th percentile

18.62x

Higher debt load relative to revenue than 55% of similar nonprofits.

2017 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2017

Net Margin

88th percentile

18%

Higher net margin than 88% of similar nonprofits.

2017 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2017

Top Officer Pay

51st percentile

$29,000

Higher top officer pay than 51% of similar nonprofits.

Top officer pay equals 17.8% of source-year revenue.

2017 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2017

Asset Growth

26th percentile

-4.2%

Faster asset growth than 26% of similar nonprofits.

2017 filings • 501(c)14 • $1M-$5M nonprofits • Annualized from 2016 to 2017

Revenue Growth

63rd percentile

3.2%

Faster revenue growth than 63% of similar nonprofits.

2017 filings • 501(c)14 • $1M-$5M nonprofits • Annualized from 2016 to 2017

Balance Sheet
Liabilities / Assets51st percentile

Assets

Down

$3,641,862

Down $161,328 (-4.2%) from 2016

Net Assets

Up

$610,884

Up $29,000 (+5.0%) from 2016

Liabilities

Down

$3,030,978

Down $190,328 (-5.9%) from 2016

Revenue And Expenses
Liabilities / Revenue55th percentileNet Margin88th percentile

Revenue

Up

$162,766

Up $5,037 (+3.2%) from 2016

Expenses

Up

$133,766

Up $21,037 (+19%) from 2016

Net Income

Down

$29,000

Down $16,000 (-36%) from 2016

Historical Trend

Balance Sheet Trend

Asset Growth26th 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

2017

Assets$3,641,862
Liabilities$3,030,978
Net Assets$610,884
Open 2017 Filing

Operations Trend

Revenue Growth63rd 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

2017

Revenue$162,766
Expenses$133,766
Net Income$29,000
Open 2017 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2017 to Dec 31, 2017
Signed
Apr 18, 2018
Return Version
2017v2.2
Gross Receipts
$162,766
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$2,762,835$2,859,529▲ $96,694
Savings and Temporary Cash Investments$971,104$697,080▼ $274,024
Rtn Earn Endowment Incm Other Fnds$581,884$610,884▲ $29,000
Cash and Non-Interest-Bearing Accounts$35,000$50,050▲ $15,050
Prepaid Expenses and Deferred Charges$34,251$35,203▲ $952
Total Assets$3,803,190$3,641,862▼ $161,328
Liabilities
Other Liabilities$3,221,306$3,030,978▼ $190,328
Total Liabilities$3,221,306$3,030,978▼ $190,328
Net Assets / Fund Balance
Total Net Assets Fund Balance$581,884$610,884▲ $29,000
Total Liabilities and Net Assets / Fund Balance$3,803,190$3,641,862▼ $161,328
Compensation and Service Providers
Top Officer Pay51st percentile

Employees

NameTitleFull / Part TimeBaseTotal
Dorothy FranklinOffice ManagerPT$29,000$29,000
Nathan FranklinTreasurer-$3,600$3,600

Board Members and Trustees

NameTitle
Stephen LowranceChairman
Sandra WilsonVice Chairman
Breanna HamiltonDirector
Cindy BlasaDirector
Eve RemiszewskiDirector
Kim WilksDirector
Linda RoheDirector
Michelle RogersDirector
Terrina HarrisDirector
Kim MuinSecretary
Revenue and Support

Revenue Composition

Contributions and Grants
$105
Program Service Revenue
$153,927
Investment Income
$7,787
Other Revenue
$947
Change in Net Assets
$29,000
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$102,434
Salaries, Compensation, and Employee Benefits$31,332
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$29,000--$29,000
Other Expenses$21,919--$21,919
Fees for Services Legal$7,496--$7,496
Information Technology$6,440--$6,440
Insurance$6,001--$6,001
Office Expenses$4,072--$4,072
Fees for Services Management$3,600--$3,600
Advertising$3,205--$3,205
Conferences and Meetings$2,814--$2,814
Payroll Taxes$2,332--$2,332
Travel$1,080--$1,080
Occupancy$898--$898
Fees for Services Accounting$500--$500
Total Functional Expenses$133,766$0$0$133,766
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$3,030,978
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
2018-04-18

Organization Details

Formed
1954
Legal Domicile
Il
Voting Board Members
11
Independent Board Members
11
Employees
1
Raw XML Appendix371 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/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt0610884
IRS990/SavingsAndTempCashInvstGrp/BOYAmt0971104
IRS990/SavingsAndTempCashInvstGrp/EOYAmt0697080
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt03030978
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0Shares of Members
IRS990ScheduleD/TotalLiabilityAmt03030978
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/TotalAssetsBOYAmt03803190
IRS990/TotalAssetsEOYAmt03641862
IRS990/TotalAssetsGrp/BOYAmt03803190
IRS990/TotalAssetsGrp/EOYAmt03641862
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalContributionsAmt0105
IRS990/TotalEmployeeCnt01
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt0133766
IRS990/TotalFunctionalExpensesGrp/TotalAmt0133766
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt03221306
IRS990/TotalLiabilitiesEOYAmt03030978
IRS990/TotalLiabilitiesGrp/BOYAmt03221306
IRS990/TotalLiabilitiesGrp/EOYAmt03030978
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt0581884
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt0610884
IRS990/TotalOtherCompensationAmt00
IRS990/TotalProgramServiceExpensesAmt0133766
IRS990/TotalProgramServiceRevenueAmt0153927
IRS990/TotalReportableCompFromOrgAmt032600
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0162661
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0162766
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt03803190
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt03641862
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TransactionWithControlEntInd0false
IRS990/TravelGrp/ProgramServicesAmt01080
IRS990/TravelGrp/TotalAmt01080
IRS990/TypeOfOrganizationOtherInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/VotingMembersGoverningBodyCnt011
IRS990/VotingMembersIndependentCnt011
IRS990/WhistleblowerPolicyInd0true
ReturnHeader/BuildTS02018-06-14 16:35:46Z
ReturnHeader/BusinessOfficerGrp/PersonNm0Nathan Franklin
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0Treasurer
ReturnHeader/BusinessOfficerGrp/PhoneNum06183773948
ReturnHeader/BusinessOfficerGrp/SignatureDt02018-04-18
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/FilingSecurityInformation/AtSubmissionCreationDeviceId0E2679F1B9EBFC23F60B5F68A029287008EF6A07D
ReturnHeader/FilingSecurityInformation/AtSubmissionFilingDeviceId0E2679F1B9EBFC23F60B5F68A029287008EF6A07D
ReturnHeader/FilingSecurityInformation/FederalOriginalSubmissionId0372681201810852shiq4
ReturnHeader/FilingSecurityInformation/FederalOriginalSubmissionIdDt02018-04-18
ReturnHeader/FilingSecurityInformation/FilingLicenseTypeCd0P
ReturnHeader/FilingSecurityInformation/IPAddress/IPv4AddressTxt0107.195.180.157
ReturnHeader/FilingSecurityInformation/IPDt02018-04-18
ReturnHeader/FilingSecurityInformation/IPTm015:01:17
ReturnHeader/ReturnTs02018-04-18T14:50:49-04:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02017-01-01
ReturnHeader/TaxPeriodEndDt02017-12-31
ReturnHeader/TaxYr02017

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2017 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$3,641,862
Liabilities
$3,030,978
Net assets
$610,884
Revenue
$162,766
Expenses
$133,766
Net income
$29,000
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
2017Detailed filing. Detailed filing data is available for this year.$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