Civic Intelligence

Bea Credit Union

990 • Fiscal year 2019 • EIN 37-6036417

Jan 01, 2019 to Dec 31, 2019 • Filed on Apr 21, 2020

Organization Profile
101 School StreetBethalto, IL 62010

(618) 377-3948

Siviq Scores

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

Liabilities / Assets

45th percentile

0.80x

Higher debt load relative to assets than 45% of similar nonprofits.

2019 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2019

Liabilities / Revenue

53rd percentile

16.28x

Higher debt load relative to revenue than 53% of similar nonprofits.

2019 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2019

Net Margin

29th percentile

-1.1%

Higher net margin than 29% of similar nonprofits.

2019 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2019

Top Officer Pay

26th percentile

$0

Higher top officer pay than 26% of similar nonprofits.

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

2019 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2019

Asset Growth

7th percentile

-13%

Faster asset growth than 7% of similar nonprofits.

2019 filings • 501(c)14 • $1M-$5M nonprofits • Annualized from 2018 to 2019

Revenue Growth

6th percentile

-12%

Faster revenue growth than 6% of similar nonprofits.

2019 filings • 501(c)14 • $1M-$5M nonprofits • Annualized from 2018 to 2019

Balance Sheet
Liabilities / Assets45th percentile

Assets

Down

$3,094,571

Down $453,939 (-13%) from 2018

Net Assets

Down

$628,794

Down $1,654 (-0.3%) from 2018

Liabilities

Down

$2,465,777

Down $452,285 (-15%) from 2018

Revenue And Expenses
Liabilities / Revenue53rd percentileNet Margin29th percentile

Revenue

Down

$151,489

Down $19,895 (-12%) from 2018

Expenses

Up

$153,143

Up $1,323 (+0.9%) from 2018

Net Income

Down

-$1,654

Down $21,218 (-108%) from 2018

Historical Trend

Balance Sheet Trend

Asset Growth7th 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

2019

Assets$3,094,571
Liabilities$2,465,777
Net Assets$628,794
Open 2019 Filing

Operations Trend

Revenue Growth6th 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

2019

Revenue$151,489
Expenses$153,143
Net Income-$1,654
Open 2019 Filing
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 Pay26th 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
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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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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

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2019 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$3,094,571
Liabilities
$2,465,777
Net assets
$628,794
Revenue
$151,489
Expenses
$153,143
Net income
-$1,654
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
2019Detailed filing. Detailed filing data is available for this year.$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
Peer Organizations

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