Civic Intelligence

Credit Unions Chartered in the State of Michigan

990 • Fiscal year 2017 • EIN 38-1285928

Jan 01, 2017 to Dec 31, 2017 • Filed on Jul 30, 2018

Organization Profilebrccu.com
10636 Gratiot AvenueCasco, MI 48064

(586) 727-6855

Siviq Scores

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

Liabilities / Assets

5th percentile

0.00x

Higher debt load relative to assets than 5% of similar nonprofits.

2017 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2017

Liabilities / Revenue

7th percentile

0.12x

Higher debt load relative to revenue than 7% of similar nonprofits.

2017 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2017

Net Margin

68th percentile

11%

Higher net margin than 68% of similar nonprofits.

2017 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2017

Top Officer Pay

76th percentile

$92,376

Higher top officer pay than 76% of similar nonprofits.

Top officer pay equals 15.8% of source-year revenue.

2017 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2017

Asset Growth

9th percentile

-5.5%

Faster asset growth than 9% of similar nonprofits.

2017 filings • 501(c)14 • $10M-$25M nonprofits • Annualized from 2016 to 2017

Revenue Growth

35th percentile

1.9%

Faster revenue growth than 35% of similar nonprofits.

2017 filings • 501(c)14 • $10M-$25M nonprofits • Annualized from 2016 to 2017

Balance Sheet
Liabilities / Assets5th percentile

Assets

Down

$20,717,407

Down $1,200,479 (-5.5%) from 2016

Net Assets

Down

$20,649,950

Down $1,199,959 (-5.5%) from 2016

Liabilities

Down

$67,457

Down $520 (-0.8%) from 2016

Revenue And Expenses
Liabilities / Revenue7th percentileNet Margin68th percentile

Revenue

Up

$586,091

Up $10,955 (+1.9%) from 2016

Expenses

Down

$522,137

Down $6,493 (-1.2%) from 2016

Net Income

Up

$63,954

Up $17,448 (+38%) from 2016

Historical Trend

Balance Sheet Trend

Asset Growth9th percentile

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

$30M$20M$10M$0Assets 2010: $17,324,442Liabilities 2010: $59,834Net Assets 2010: $17,264,6082010Assets 2011: $18,672,560Liabilities 2011: $77,306Net Assets 2011: $18,595,2542011Assets 2012: $20,182,769Liabilities 2012: $78,798Net Assets 2012: $20,103,9712012Assets 2013: $22,026,057Liabilities 2013: $53,444Net Assets 2013: $21,972,6132013Assets 2014: $21,205,228Liabilities 2014: $73,837Net Assets 2014: $21,131,3912014Assets 2015: $21,846,672Liabilities 2015: $76,650Net Assets 2015: $21,770,0222015Assets 2016: $21,917,886Liabilities 2016: $67,977Net Assets 2016: $21,849,9092016Assets 2017: $20,717,407Liabilities 2017: $67,457Net Assets 2017: $20,649,9502017Assets 2018: $21,305,405Liabilities 2018: $68,880Net Assets 2018: $21,236,5252018Assets 2019: $21,414,810Liabilities 2019: $133,915Net Assets 2019: $21,280,8952019Assets 2020: $24,615,443Liabilities 2020: $285,231Net Assets 2020: $24,330,2122020

Highlighted filing

2017

Assets$20,717,407
Liabilities$67,457
Net Assets$20,649,950
Open 2017 Filing

Operations Trend

Revenue Growth35th percentile

Revenue, expenses, and net income across loaded years, with this filing highlighted.

$800K$600K$400K$200K$0Expenses 2010: $643,5232010Expenses 2011: $589,1662011Expenses 2012: $560,6382012Revenue 2013: $585,607Expenses 2013: $547,331Net Income 2013: $38,2762013Revenue 2014: $598,221Expenses 2014: $513,543Net Income 2014: $84,6782014Revenue 2015: $575,155Expenses 2015: $520,271Net Income 2015: $54,8842015Revenue 2016: $575,136Expenses 2016: $528,630Net Income 2016: $46,5062016Revenue 2017: $586,091Expenses 2017: $522,137Net Income 2017: $63,9542017Revenue 2018: $678,187Expenses 2018: $526,475Net Income 2018: $151,7122018Revenue 2019: $733,063Expenses 2019: $632,170Net Income 2019: $100,8932019Revenue 2020: $609,960Expenses 2020: $546,081Net Income 2020: $63,8792020

Highlighted filing

2017

Revenue$586,091
Expenses$522,137
Net Income$63,954
Open 2017 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2017 to Dec 31, 2017
Signed
Jul 30, 2018
Return Version
2017v2.0
Gross Receipts
$586,091
Mission and Program Overview

Mission

To provide financial services to member owners with a common bond.

Balance Sheet Detail
LineBeginningEndChange
Assets
Cap Stk Tr Prin Current Funds$20,001,496$18,737,582▼ $1,263,914
Investments Other Securities$15,152,362$13,551,739▼ $1,600,623
Other Notes and Loans Receivable, Net$5,436,761$5,886,229▲ $449,468
Rtn Earn Endowment Incm Other Fnds$1,848,413$1,912,368▲ $63,955
Land, Buildings, and Equipment, Net$542,214$516,194▼ $26,020
Cash and Non-Interest-Bearing Accounts$484,650$460,477▼ $24,173
Prepaid Expenses and Deferred Charges$15,041$34,452▲ $19,411
Savings and Temporary Cash Investments$23,548$23,662▲ $114
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Total Assets$21,917,886$20,717,407▼ $1,200,479
Other Assets Total$263,310$244,654▼ $18,656
Liabilities
Accounts Payable and Accrued Expenses$67,977$67,457▼ $520
Total Liabilities$67,977$67,457▼ $520
Net Assets / Fund Balance
Total Net Assets Fund Balance$21,849,909$20,649,950▼ $1,199,959
Total Liabilities and Net Assets / Fund Balance$21,917,886$20,717,407▼ $1,200,479

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$402,837$234,630$637,467
Land$102,261-$102,261
Equipment$11,096$70,737$81,833
Other Land Buildings$0$0$0
Leasehold Improvements$0$0$0
Other Securities$2,100--
Compensation and Service Providers
Top Officer Pay76th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Victoria McIntoshCEOFT$85,376$7,000$92,376

Board Members and Trustees

NameTitle
Ronald LathrupChairman
Roy RivardSupervisory Committee Chairman
Gretchen JagodaDirector
Helga WisswellDirector
John BusemanDirector
Colleen StoverSecretary
Jospeh BergSupervisory Committee Member
Kim GunstSupervisory Committee Member
Kay GoikeTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$586,091
Investment Income
$0
Other Revenue
$0
Change in Net Assets
$63,954
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$266,243
Other Expenses$255,894
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$129,818
Information Technology---$94,671
Current Officers, Directors, Trustees, and Key Employees---$85,376
Office Expenses---$59,851
Occupancy---$51,469
Other Employee Benefits---$23,348
Advertising---$21,220
Payroll Taxes---$17,506
Pension Plan Contributions---$10,195
Other Expenses---$2,376
Conferences and Meetings---$1,666
Depreciation Depletion---$875
Total Functional Expenses$0$0$0$522,137
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
Subject to proxy tax
No
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
Yes
Annual disclosure for covered persons
Yes
Audit committee
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

Form 990, Part VI, Section A, Line 6

“Member owned financial cooperative”

Form 990, Part VI, Section A, Line 7A

“annual meetings are held to elect volunteer officers to serve on the board of directors”

Form 990, Part VI, Section A, Line 7B

“goverance matters of great impportance may be addressed and voted upon at annual or special meetings of the membership”

Form 990, Part VI, Section B, Line 11B

“President / CEO of the organization reviews Form 990 filing prior to submission”

Form 990, Part VI, Section B, Line 12C

“Action item on agenda with annual review of policy”

Form 990, Part VI, Section B, Line 15

“Board of directors conduct annual performance review of teh President / CEO. President / CEO conducts annual performance review of all other paid staff.”

Form 990, Part VI, Section C, Line 19

“Paper copies of Form 990 and related schedules are stored on-site and are available for review”

Filing and Contact Details

Filer

Filer Name
Belle River Community Credit Union
EIN
38-1285928
Phone
5867276855
Address
10636 Gratiot Avenue, Casco, MI 48064

Signing Officer

Name
Vicki McIntosh
Title
President / CEO
Phone
5867276855
Signed
2018-07-30
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Vicki McIntosh
Formed
1926
Legal Domicile
Mi
Voting Board Members
6
Independent Board Members
9
Employees
8
Volunteers
9

Preparer

Firm
Thomas R Schulz CPA
Address
38533 Hidden Lane, Clinton Township, MI 48036
Preparer
Thomas R Schulz
Phone
5864654274
Supplemental Narrative

Additional Explanations

Form 990, Part XI, Line 9

“Net decrease in member deposits”

Form 990, Part XII, Line 2C

“Independent accountant engaged to perform agreed upon procedures”

Raw XML AppendixShowing 400 of 409 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.

Path#Value
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IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt30
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IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt97000
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IRS990/Form990PartVIISectionAGrp/PersonNm2Kay Goike
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IRS990/Form990PartVIISectionAGrp/PersonNm5John Buseman
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IRS990/Form990PartVIISectionAGrp/TitleTxt0Chairman
IRS990/Form990PartVIISectionAGrp/TitleTxt1Director
IRS990/Form990PartVIISectionAGrp/TitleTxt2Treasurer
IRS990/Form990PartVIISectionAGrp/TitleTxt3Secretary
IRS990/Form990PartVIISectionAGrp/TitleTxt4Director
IRS990/Form990PartVIISectionAGrp/TitleTxt5Director
IRS990/Form990PartVIISectionAGrp/TitleTxt6Supervisory Committee Chairman
IRS990/Form990PartVIISectionAGrp/TitleTxt7Supervisory Committee Member
IRS990/Form990PartVIISectionAGrp/TitleTxt8Supervisory Committee Member
IRS990/Form990PartVIISectionAGrp/TitleTxt9CEO
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IRS990/RegularMonitoringEnfrcInd01
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IRS990/ScheduleBRequiredInd00
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IRS990ScheduleD/BuildingsGrp/DepreciationAmt0234630
IRS990ScheduleD/BuildingsGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt0637467
IRS990ScheduleD/EquipmentGrp/BookValueAmt011096
IRS990ScheduleD/EquipmentGrp/DepreciationAmt070737
IRS990ScheduleD/EquipmentGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt081833
IRS990ScheduleD/LandGrp/BookValueAmt0102261
IRS990ScheduleD/LandGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0102261
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt011835095
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt11610544
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt2104000
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt32100
IRS990ScheduleD/OtherSecuritiesGrp/Desc0Insured Certificate of Deposit
IRS990ScheduleD/OtherSecuritiesGrp/Desc1Alloya Corporate Federal CU Deposits
IRS990ScheduleD/OtherSecuritiesGrp/Desc2Perpetual Capital - Alloya Corporate Federal CU
IRS990ScheduleD/OtherSecuritiesGrp/Desc3Equity Unvetment - CU Partners
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd0C
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd1C
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd2C
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd3C
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0516194
IRS990ScheduleD/TotalBookValueSecuritiesAmt013551739
IRS990/ScheduleJRequiredInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0Member owned financial cooperative
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1annual meetings are held to elect volunteer officers to serve on the board of directors
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2goverance matters of great impportance may be addressed and voted upon at annual or special meetings of the membership
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3President / CEO of the organization reviews Form 990 filing prior to submission
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4Action item on agenda with annual review of policy
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5Board of directors conduct annual performance review of teh President / CEO. President / CEO conducts annual performance review of all other paid staff.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6Paper copies of Form 990 and related schedules are stored on-site and are available for review
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7Net decrease in member deposits
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt8Independent accountant engaged to perform agreed upon procedures
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990, Part VI, Section A, Line 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990, Part VI, Section A, Line 7a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990, Part VI, Section A, Line 7b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990, Part VI, Section B, Line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Form 990, Part VI, Section B, Line 12c
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Form 990, Part VI, Section B, Line 15
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6Form 990, Part VI, Section C, Line 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7Form 990, Part XI, Line 9
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc8Form 990, Part XII, Line 2c
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/SubjectToProxyTaxInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TempOrPermanentEndowmentsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt021917886
IRS990/TotalAssetsEOYAmt020717407
IRS990/TotalAssetsGrp/BOYAmt021917886
IRS990/TotalAssetsGrp/EOYAmt020717407
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalContributionsAmt00
IRS990/TotalEmployeeCnt08
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt0522137
IRS990/TotalGrossUBIAmt09345
IRS990/TotalLiabilitiesBOYAmt067977
IRS990/TotalLiabilitiesEOYAmt067457
IRS990/TotalLiabilitiesGrp/BOYAmt067977
IRS990/TotalLiabilitiesGrp/EOYAmt067457
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt021849909
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt020649950
IRS990/TotalOtherCompensationAmt07000
IRS990/TotalOtherProgSrvcExpenseAmt00
IRS990/TotalOtherProgSrvcGrantAmt00
IRS990/TotalOtherProgSrvcRevenueAmt00
IRS990/TotalOthProgramServiceRevGrp/ExclusionAmt00
IRS990/TotalOthProgramServiceRevGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/TotalOthProgramServiceRevGrp/TotalRevenueColumnAmt00
IRS990/TotalOthProgramServiceRevGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalProgramServiceExpensesAmt0522137
IRS990/TotalProgramServiceRevenueAmt0586091
IRS990/TotalReportableCompFromOrgAmt085376
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0576746
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0586091
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt09345
IRS990/TotalVolunteersCnt09
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt021917886
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt020717407
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TypeOfOrganizationOtherInd0X
IRS990/UnrelatedBusIncmOverLimitInd01
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt010636 Gratiot
IRS990/USAddress/CityNm0Casco
IRS990/USAddress/StateAbbreviationCd0MI
IRS990/USAddress/ZIPCd048064
IRS990/VotingMembersGoverningBodyCnt06
IRS990/VotingMembersIndependentCnt09
IRS990/WebsiteAddressTxt0brccu.com
IRS990/WhistleblowerPolicyInd00
ReturnHeader/BuildTS02018-06-14 16:35:46Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0Vicki McIntosh
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0President / CEO
ReturnHeader/BusinessOfficerGrp/PhoneNum05867276855
ReturnHeader/BusinessOfficerGrp/SignatureDt02018-07-30
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0BELLE RIVER COMMUNITY CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0BELL
ReturnHeader/Filer/EIN0381285928
ReturnHeader/Filer/PhoneNum05867276855
ReturnHeader/Filer/USAddress/AddressLine1Txt010636 Gratiot Avenue
ReturnHeader/Filer/USAddress/CityNm0Casco
ReturnHeader/Filer/USAddress/StateAbbreviationCd0MI
ReturnHeader/Filer/USAddress/ZIPCd048064
ReturnHeader/FilingSecurityInformation/IPAddress/IPv4AddressTxt075.39.1.244
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0Thomas R Schulz CPA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt038533 Hidden Lane
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0Clinton Township
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0MI

Document Assets

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Filings

Displayed year

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

Open filing
Assets
$20,717,407
Liabilities
$67,457
Net assets
$20,649,950
Revenue
$586,091
Expenses
$522,137
Net income
$63,954
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$24.6$0.29$24.3$0.61$0.55$0.06
2019Facts available. Structured filing facts are available, but richer extracted sections are limited.$21.4$0.13$21.3$0.73$0.63$0.10
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$21.3$0.07$21.2$0.68$0.53$0.15
2017Detailed filing. Detailed filing data is available for this year.$20.7$0.07$20.6$0.59$0.52$0.06
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$21.9$0.07$21.8$0.58$0.53$0.05
2015XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$21.8$0.08$21.8$0.58$0.52$0.05
2014Import issue. A filing source exists for this year, but detailed import did not complete cleanly.$21.2$0.07$21.1$0.60$0.51$0.08
2013Detailed filing. Detailed filing data is available for this year.$22.0$0.05$22.0$0.59$0.55$0.04
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$20.2$0.08$20.1$0.56
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$18.7$0.08$18.6$0.59
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$17.3$0.06$17.3$0.64
Peer Organizations

Similar nonprofits based on the same Siviq industry and scale cohort. 2017 filings • 501(c)14 • $10M-$25M nonprofits