Civic Intelligence

Bent River Community Credit Union

EIN 42-0207895 • 501(c)14 • Davenport, IA

View Organization Page

Profile

Local financial institution

709 E 46th StreetDavenport, IA 52807

cccu.creditunion.org

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

72nd percentile

0.90x

Higher debt load relative to assets than 72% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Source year 2015

Liabilities / Revenue

67th percentile

21.34x

Higher debt load relative to revenue than 67% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Source year 2015

Net Margin

30th percentile

-1.7%

Higher net margin than 30% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Source year 2015

Top Officer Pay

Score unavailable

No value available

No filing with officer rows is available for this organization yet.

Asset Growth

77th percentile

3.5%

Faster asset growth than 77% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Annualized from 2014 to 2015

Revenue Growth

50th percentile

7.7%

Faster revenue growth than 50% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Annualized from 2014 to 2015

Balance Sheet
Liabilities / Assets72nd percentile

Assets

Down

$19,692,751

Down $4,505,581 (-19%) from 2015

Liabilities

Down

$17,066,172

Down $4,658,835 (-21%) from 2015

Net Assets

Up

$2,626,579

Up $153,254 (+6.2%) from 2015

Operations
Liabilities / Revenue67th percentileNet Margin30th percentile

Revenue

Up

$1,116,857

Up $98,810 (+9.7%) from 2015

Expenses

Down

$1,004,712

Down $30,882 (-3.0%) from 2015

Net Income

Up

$112,145

Up $129,692 (+739%) from 2015

Trend Graphs

Balance Sheet Trend

Asset Growth77th percentile

Grouped bars show assets, liabilities, and net assets across loaded filings.

$30M$20M$10M$0Assets 2011: $21,606,340Liabilities 2011: $19,098,736Net Assets 2011: $2,507,6042011Assets 2012: $22,424,824Liabilities 2012: $19,867,480Net Assets 2012: $2,557,3442012Assets 2013: $22,830,396Liabilities 2013: $20,338,771Net Assets 2013: $2,491,6252013Assets 2014: $23,380,876Liabilities 2014: $20,890,004Net Assets 2014: $2,490,8722014Assets 2015: $24,198,332Liabilities 2015: $21,725,007Net Assets 2015: $2,473,3252015Assets 2016: $19,692,751Liabilities 2016: $17,066,172Net Assets 2016: $2,626,5792016

Highlighted filing

2016

Assets$19,692,751
Liabilities$17,066,172
Net Assets$2,626,579
Open 2016 Filing

Operations Trend

Revenue Growth50th percentile

Revenue, expenses, and net income by year, with the latest filing highlighted.

$1.5M$1.0M$500K$0-$500KExpenses 2011: $847,0622011Expenses 2012: $816,1062012Revenue 2013: $842,436Expenses 2013: $908,155Net Income 2013: -$65,7192013Revenue 2014: $945,488Expenses 2014: $946,241Net Income 2014: -$7532014Revenue 2015: $1,018,047Expenses 2015: $1,035,594Net Income 2015: -$17,5472015Revenue 2016: $1,116,857Expenses 2016: $1,004,712Net Income 2016: $112,1452016

Highlighted filing

2016

Revenue$1,116,857
Expenses$1,004,712
Net Income$112,145
Open 2016 Filing

Filings

Most recent year

2016 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$19,692,751
Liabilities
$17,066,172
Net assets
$2,626,579
Revenue
$1,116,857
Expenses
$1,004,712
Net income
$112,145
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2016Detailed filing. Detailed filing data is available for this year.$19.7$17.1$2.63$1.12$1.00$0.11
2015Detailed filing. Detailed filing data is available for this year.$24.2$21.7$2.47$1.02$1.04$0.02
2014Detailed filing. Detailed filing data is available for this year.$23.4$20.9$2.49$0.95$0.95$0.00
2013Detailed filing. Detailed filing data is available for this year.$22.8$20.3$2.49$0.84$0.91$0.07
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$22.4$19.9$2.56$0.82
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$21.6$19.1$2.51$0.85
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2016 to Dec 31, 2016
Signed
Aug 23, 2017
Return Version
2016v3.0
Gross Receipts
$1,116,857
Mission and Program Overview

Mission

Local financial institution

Local financial institution dedicated to serviving the financial needs of our 1,650 members within a local community wide charter

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$14,408,675$11,885,955▼ $2,522,720
Investments Program Related$6,406,372$5,815,877▼ $590,495
Rtn Earn Endowment Incm Other Fnds$1,514,602$1,625,889▲ $111,287
Pd in Cap Srpls Land Bldg Eqp Fund$958,723$1,000,690▲ $41,967
Cash and Non-Interest-Bearing Accounts$2,040,033$939,472▼ $1,100,561
Land, Buildings, and Equipment, Net$861,168$573,302▼ $287,866
Receivables From Officers Etc$65,012$73,112▲ $8,100
Total Assets$24,198,332$19,692,751▼ $4,505,581
Other Assets Total$417,072$405,033▼ $12,039
Liabilities
Other Liabilities$21,615,056$15,976,589▼ $5,638,467
Accounts Payable and Accrued Expenses$109,951$1,089,583▲ $979,632
Total Liabilities$21,725,007$17,066,172▼ $4,658,835
Net Assets / Fund Balance
Total Net Assets Fund Balance$2,473,325$2,626,579▲ $153,254
Total Liabilities and Net Assets / Fund Balance$24,198,332$19,692,751▼ $4,505,581

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$362,089-$362,089
Land$150,292-$150,292
Equipment$60,921-$60,921
Investment Program Related Org$5,815,877--
Other Assets Org$27,701--
Compensation and Service Providers
Top Officer PayScore unavailable

Employees

NameTitleFull / Part TimeBaseTotal
Randy HassPresidentFT$97,992$97,992
Tom EngelmannChairman-$485$485

Board Members and Trustees

NameTitle
Brian BrewerVice Chairman
Don LewisDirector
Joe Van Camp IiiDirector
Pat CrossenDirector
Rich CraddickDirector
Claire BrodersSecretary
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$825,974
Investment Income
$290,883
Other Revenue
$0
Change in Net Assets
$112,145
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$545,634
Salaries, Compensation, and Employee Benefits$367,031
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$367,031$0$0$367,031
Fees for Services Accounting$99,809$0$0$99,809
Benefits to Members$92,047--$92,047
Office Expenses$86,184$0$0$86,184
Occupancy$64,451$0$0$64,451
Other Expenses$54,750$0$0$54,750
Advertising$18,269$0$0$18,269
Travel$8,926$0$0$8,926
Fees for Services Management$7,035$0$0$7,035
Total Functional Expenses$1,004,712$0$0$1,004,712
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
Lobbying activity
No
Subject to proxy tax
No
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Officers, Directors, Trustees, and Key Employees$65,012$73,112▲ $8,100
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Accrued Divivends on Member Accounts$15,965,605
Accrued Expenses$10,984
Member Share Accounts-
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
No
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
No
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No
Filing and Contact Details

Filer

Filer Name
Bent River Community Credit Union
EIN
42-0207895
Phone
5633912850
Address
709 E 46TH STREET, DAVENPORT, IA 52807

Signing Officer

Name
Randy Hass
Title
President
Phone
5633912850
Signed
2017-08-23
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Randy Hass
Formed
1935
Legal Domicile
Ia
Voting Board Members
9
Independent Board Members
8
Employees
10
Volunteers
12

Preparer

Firm
Tom Engelmann CPA
Address
1111 East River Drive, Davenport, IA 52803-5740
Preparer
Tom Engelmann
Phone
5633233568
Supplemental Narrative

Additional Explanations

Pt VI, Line 11B

“990 reveiewd by officers prior to filing / subsequently by entire board”

Pt VI, Line 12C

“The credit union enforces conflict of interest policy”

Pt VI, Line 15A

“Chair of board does comparability survey & brings results to board for decision”

Pt VI, Line 19

“ON FILE & available on request / financial statements posted in lobby”

Pt VI, Line 6

“A cooperative, the credit union is owned by its memebers”

Pt VI, Line 7A

“All members allowed to vote at annual meeting for election of directors”

Pt XII, Line 2C

“Designated audit commiottee of the board”

Raw XML AppendixShowing 400 of 441 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/DescribedInSection501c3Ind0false
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IRS990/Form990PartVIISectionAGrp/TitleTxt2DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt3SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt4DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt5DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt7PRESIDENT
IRS990/Form990ProvidedToGvrnBodyInd0true
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IRS990ScheduleD/EquipmentGrp/BookValueAmt060921
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt060921
IRS990ScheduleD/InclEscrowCustodialAcctLiabInd0false
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt05815877
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc0ALL INVESTMENTS
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd0F
IRS990ScheduleD/LandGrp/BookValueAmt0150292
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0150292
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt0215555
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt1161777
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt227701
IRS990ScheduleD/OtherAssetsOrgGrp/Desc0NCUSIF INSURANCE FUND
IRS990ScheduleD/OtherAssetsOrgGrp/Desc1OTHER ASSETS
IRS990ScheduleD/OtherAssetsOrgGrp/Desc2ACCRUED INCOME REC'L
IRS990ScheduleD/OtherAssetsOrgGrp/Desc3PREPAID EXPENSES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt010984
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt115965605
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0ACCRUED EXPENSES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1ACCRUED DIVIVENDS ON MEMBER ACCOUNTS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc2MEMBER SHARE ACCOUNTS
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0573302
IRS990ScheduleD/TotalBookValueOtherAssetsAmt0405033
IRS990ScheduleD/TotalBookValueProgramRltdAmt05815877
IRS990ScheduleD/TotalLiabilityAmt015976589
IRS990/ScheduleJRequiredInd0false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt024164
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt125412
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt28485
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt33334
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt411592
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt5125
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd0true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd1true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd2true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd3true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd4true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd5true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd0false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd1false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd2false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd3false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd4false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd5false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd0X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd1X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd2X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd3X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd4X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd5X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt0VEHICLES
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt1HOME & PERSONAL
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt2VEHICLES
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt3HOME / VEHICLE
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt4VEHICLE
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt5CREDIT CARD
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt025500
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt125910
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt232000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt322158
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt416000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt55000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm0PAT CROSSEN
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm1JOE VAN CAMP III
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm2BRIAN BREWER
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm3TOM ENGELMANN
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm4RANDY HASS
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm5DON LEWIS
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt0DIRECTOR
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt1DIRECTOR
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt2DIRECTOR
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt3DIRECTOR
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt4PRESIDENT
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt5DIECTOR
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd0true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd1true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd2true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd3true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd4true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd5true
IRS990ScheduleL/TotalBalanceDueAmt073112
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0990 REVEIEWD BY OFFICERS PRIOR TO FILING / SUBSEQUENTLY BY ENTIRE BOARD
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE CREDIT UNION ENFORCES CONFLICT OF INTEREST POLICY
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2CHAIR OF BOARD DOES COMPARABILITY SURVEY & BRINGS RESULTS TO BOARD FOR DECISION
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3ON FILE & available on request / financial statements posted in lobby
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4A COOPERATIVE, THE CREDIT UNION IS OWNED BY ITS MEMEBERS
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5ALL MEMBERS ALLOWED TO VOTE AT ANNUAL MEETING FOR ELECTION OF DIRECTORS
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6DESIGNATED AUDIT COMMIOTTEE OF THE BOARD
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Pt VI, Line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Pt VI, Line 12c
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Pt VI, Line 15a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Pt VI, Line 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Pt VI, Line 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Pt VI, Line 7a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6Pt XII, Line 2c
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt024198332
IRS990/TotalAssetsEOYAmt019692751
IRS990/TotalAssetsGrp/BOYAmt024198332
IRS990/TotalAssetsGrp/EOYAmt019692751
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt010
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt01004712
IRS990/TotalFunctionalExpensesGrp/TotalAmt01004712
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt021725007
IRS990/TotalLiabilitiesEOYAmt017066172
IRS990/TotalLiabilitiesGrp/BOYAmt021725007
IRS990/TotalLiabilitiesGrp/EOYAmt017066172
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt02473325
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt02626579
IRS990/TotalProgramServiceRevenueAmt0825974
IRS990/TotalReportableCompFromOrgAmt098477
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt01116857
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt01116857
IRS990/TotalVolunteersCnt012
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt024198332
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt019692751
IRS990/TransactionWithControlEntInd0false
IRS990/TravelGrp/FundraisingAmt00
IRS990/TravelGrp/ManagementAndGeneralAmt00
IRS990/TravelGrp/ProgramServicesAmt08926
IRS990/TravelGrp/TotalAmt08926
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt0709 E 46TH ST

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