Civic Intelligence

Bea Credit Union

990 • Fiscal year 2020 • EIN 37-6036417

Jan 01, 2020 to Dec 31, 2020 • Filed on Apr 26, 2021

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

51st percentile

0.82x

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

2020 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2020

Liabilities / Revenue

53rd percentile

19.43x

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

2020 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2020

Net Margin

4th percentile

-55%

Higher net margin than 4% of similar nonprofits.

2020 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2020

Top Officer Pay

22nd percentile

$0

Higher top officer pay than 22% of similar nonprofits.

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

2020 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2020

Asset Growth

20th percentile

-0.8%

Faster asset growth than 20% of similar nonprofits.

2020 filings • 501(c)14 • $1M-$5M nonprofits • Annualized from 2019 to 2020

Revenue Growth

26th percentile

-15%

Faster revenue growth than 26% of similar nonprofits.

2020 filings • 501(c)14 • $1M-$5M nonprofits • Annualized from 2019 to 2020

Balance Sheet
Liabilities / Assets51st percentile

Assets

Down

$3,070,358

Down $24,213 (-0.8%) from 2019

Net Assets

Down

$557,056

Down $71,738 (-11%) from 2019

Liabilities

Up

$2,513,302

Up $47,525 (+1.9%) from 2019

Revenue And Expenses
Liabilities / Revenue53rd percentileNet Margin4th percentile

Revenue

Down

$129,360

Down $22,129 (-15%) from 2019

Expenses

Up

$201,098

Up $47,955 (+31%) from 2019

Net Income

Down

-$71,738

Down $70,084 (-4237%) from 2019

Historical Trend

Balance Sheet Trend

Asset Growth20th 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

2020

Assets$3,070,358
Liabilities$2,513,302
Net Assets$557,056
Open 2020 Filing

Operations Trend

Revenue Growth26th 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

2020

Revenue$129,360
Expenses$201,098
Net Income-$71,738
Open 2020 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2020 to Dec 31, 2020
Signed
Apr 26, 2021
Return Version
2020v4.1
Gross Receipts
$129,360
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$2,394,094$2,048,122▼ $345,972
Cash and Non-Interest-Bearing Accounts$366,884$688,048▲ $321,164
Rtn Earn Endowment Incm Other Fnds$628,794$557,056▼ $71,738
Savings and Temporary Cash Investments$302,933$305,634▲ $2,701
Prepaid Expenses and Deferred Charges$30,660$28,554▼ $2,106
Total Assets$3,094,571$3,070,358▼ $24,213
Liabilities
Other Liabilities$2,464,888$2,512,409▲ $47,521
Accounts Payable and Accrued Expenses$889$893▲ $4
Total Liabilities$2,465,777$2,513,302▲ $47,525
Net Assets / Fund Balance
Total Net Assets Fund Balance$628,794$557,056▼ $71,738
Total Liabilities and Net Assets / Fund Balance$3,094,571$3,070,358▼ $24,213
Compensation and Service Providers
Top Officer Pay22nd percentile

Board Members and Trustees

NameTitle
Stephen LowranceChair
Terrina HarrisVice Chair
April WrennDirector
Cindy BlasaDirector
Eve RemiszewskiDirector
Linda RoheDirector
Lisa RogersDirector
Sandra WilsonDirector
Kim MuinSecretary
Joseph SchoppetTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$360
Program Service Revenue
$124,643
Investment Income
$3,460
Other Revenue
$897
Change in Net Assets
$-71,738
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$162,366
Salaries, Compensation, and Employee Benefits$38,732
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$31,827--$31,827
Other Expenses$17,385--$17,385
Fees for Services Legal$13,333--$13,333
Fees for Services Management$9,021--$9,021
Information Technology$6,855--$6,855
Insurance$5,945--$5,945
Office Expenses$4,993--$4,993
Other Salaries and Wages$4,001--$4,001
Conferences and Meetings$3,250--$3,250
Fees for Services Accounting$3,089--$3,089
Payroll Taxes$2,904--$2,904
Occupancy$1,884--$1,884
Advertising$1,000--$1,000
All Other Expenses$20--$20
Total Functional Expenses$201,098$0$0$201,098
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$2,512,409
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
2021-04-26
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 STE 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/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/TotalAssetsBOYAmt03094571
IRS990/TotalAssetsEOYAmt03070358
IRS990/TotalAssetsGrp/BOYAmt03094571
IRS990/TotalAssetsGrp/EOYAmt03070358
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalContributionsAmt0360
IRS990/TotalEmployeeCnt02
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt0201098
IRS990/TotalFunctionalExpensesGrp/TotalAmt0201098
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt02465777
IRS990/TotalLiabilitiesEOYAmt02513302
IRS990/TotalLiabilitiesGrp/BOYAmt02465777
IRS990/TotalLiabilitiesGrp/EOYAmt02513302
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt0628794
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt0557056
IRS990/TotalOtherCompensationAmt00
IRS990/TotalProgramServiceExpensesAmt0201098
IRS990/TotalProgramServiceRevenueAmt0124643
IRS990/TotalReportableCompFromOrgAmt00
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0129000
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0129360
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt03094571
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt03070358
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TransactionWithControlEntInd0false
IRS990/TypeOfOrganizationOtherInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/VotingMembersGoverningBodyCnt010
IRS990/VotingMembersIndependentCnt010
IRS990/WhistleblowerPolicyInd0true
ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/AuthenticationAssuranceLevelCd0AAL1
ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/IdentityAssuranceLevelCd0IAL1
ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/OOBSecurityVerificationCd000
ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/TrustedCustomerCd00
ReturnHeader/BuildTS02022-09-23 18:48:47Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0Joseph Schoppet
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0Treasurer
ReturnHeader/BusinessOfficerGrp/PhoneNum06183773948
ReturnHeader/BusinessOfficerGrp/SignatureDt02021-04-26
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/PreparerFirmGrp/PreparerFirmEIN0271197162
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0FRANKLIN & VAUGHN LLC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt07321 SOUTH LINDBERGH BLVD STE 310
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0Saint Louis
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0MO
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd063125
ReturnHeader/PreparerPersonGrp/PhoneNum03144339707
ReturnHeader/PreparerPersonGrp/PreparationDt02021-05-14
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0NATHAN FRANKLIN
ReturnHeader/ReturnTs02021-05-14T10:53:44-04:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/SigningOfficerGrp/PersonFullName/PersonFirstNm0Joseph
ReturnHeader/SigningOfficerGrp/PersonFullName/PersonLastNm0Schoppet
ReturnHeader/TaxPeriodBeginDt02020-01-01
ReturnHeader/TaxPeriodEndDt02020-12-31
ReturnHeader/TaxYr02020

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2020 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$3,070,358
Liabilities
$2,513,302
Net assets
$557,056
Revenue
$129,360
Expenses
$201,098
Net income
-$71,738
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
2020Detailed filing. Detailed filing data is available for this year.$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
Peer Organizations

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