Civic Intelligence

Bent River Community Credit Union

990 • Fiscal year 2013 • EIN 42-0207895

Jan 01, 2013 to Dec 31, 2013 • Filed on Jun 04, 2014

Organization Profilecccu.creditunion.org

View Organization Page

709 E 46th StreetDavenport, IA 52807

(563) 391-2850

Siviq Scores

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

Liabilities / Assets

68th percentile

0.89x

Higher debt load relative to assets than 68% of similar nonprofits.

2013 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2013

Liabilities / Revenue

71st percentile

24.14x

Higher debt load relative to revenue than 71% of similar nonprofits.

2013 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2013

Net Margin

15th percentile

-7.8%

Higher net margin than 15% of similar nonprofits.

2013 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2013

Top Officer Pay

17th percentile

$39,766

Higher top officer pay than 17% of similar nonprofits.

Top officer pay equals 4.7% of source-year revenue.

2013 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2013

Asset Growth

53rd percentile

1.8%

Faster asset growth than 53% of similar nonprofits.

2013 filings • 501(c)14 • $10M-$25M nonprofits • Annualized from 2012 to 2013

Revenue Growth

Score unavailable

No value available

No earlier valid filing was available within the previous three public years.

Source year 2013

Balance Sheet
Liabilities / Assets68th percentile

Assets

Up

$22,830,396

Up $405,572 (+1.8%) from 2012

Net Assets

Down

$2,491,625

Down $65,719 (-2.6%) from 2012

Liabilities

Up

$20,338,771

Up $471,291 (+2.4%) from 2012

Revenue And Expenses
Liabilities / Revenue71st percentileNet Margin15th percentile

Revenue

$842,436

No earlier filing loaded for comparison.

Expenses

Up

$908,155

Up $92,049 (+11%) from 2012

Net Income

-$65,719

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth53rd percentile

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

$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

2013

Assets$22,830,396
Liabilities$20,338,771
Net Assets$2,491,625
Open 2013 Filing

Operations Trend

Revenue GrowthScore unavailable

Revenue, expenses, and net income across loaded years, with this 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

2013

Revenue$842,436
Expenses$908,155
Net Income-$65,719
Open 2013 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2013 to Dec 31, 2013
Signed
Jun 4, 2014
Return Version
2013v3.1
Gross Receipts
$842,436
Mission and Program Overview

Mission

Local financial institution

Local financial institution dedicated to serviving the financial needs of our 2,436 members within a local community wide charter

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$11,336,293$11,653,885▲ $317,592
Investments Program Related$7,996,196$8,123,924▲ $127,728
Cash and Non-Interest-Bearing Accounts$134,524$1,732,622▲ $1,598,098
Savings and Temporary Cash Investments$1,616,969--
Rtn Earn Endowment Incm Other Fnds$1,556,654$1,490,935▼ $65,719
Pd in Cap Srpls Land Bldg Eqp Fund$1,000,690$1,000,690→ $0
Land, Buildings, and Equipment, Net$945,952$919,870▼ $26,082
Receivables From Officers Etc$155,747$92,491▼ $63,256
Accounts Receivable$35,803$-2,139▼ $37,942
Total Assets$22,424,824$22,830,396▲ $405,572
Other Assets Total$203,340$309,743▲ $106,403
Liabilities
Other Liabilities$19,815,339$20,299,458▲ $484,119
Accounts Payable and Accrued Expenses$52,141$39,313▼ $12,828
Total Liabilities$19,867,480$20,338,771▲ $471,291
Net Assets / Fund Balance
Total Net Assets Fund Balance$2,557,344$2,491,625▼ $65,719
Total Liabilities and Net Assets / Fund Balance$22,424,824$22,830,396▲ $405,572

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$572,624$137,670$710,294
Land$250,292-$250,292
Equipment$96,954-$96,954
Investment Program Related Org$8,123,924--
Other Assets Org$25,073--
Compensation and Service Providers
Top Officer Pay17th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Randy HaasPresidentFT$39,766-$39,766
Randy Haas--$39,766-$39,766
Ryan Soedt--$33,636$6,000$39,636
Ryan SoedtPresidentFT$33,636-$33,636
Tom EngelmannDirector-$2,225-$2,225

Board Members and Trustees

NameTitle
Jeff BolingChairman
Joe Van Camp IiiVice Chairman
Dave GrahamDirector
Don LewisDirector
Lori HarveyDirector
Pat CrossenDirector
Rich CraddickDirector
Shane GieseDirector
Claire BrodersSecretary
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$719,299
Investment Income
$123,137
Other Revenue
$0
Change in Net Assets
$-65,719
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$455,180
Salaries, Compensation, and Employee Benefits$359,031
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$297,668$0$0$297,668
Benefits to Members$93,944--$93,944
Fees for Services Management$70,943$0$0$70,943
Occupancy$54,311$0$0$54,311
Other Employee Benefits$37,855$0$0$37,855
Office Expenses$33,010$0$0$33,010
Depreciation Depletion$32,703$0$0$32,703
Fees for Services Accounting$26,127$0$0$26,127
Payroll Taxes$23,508$0$0$23,508
Other Expenses$20,238$0$0$20,238
Insurance$17,470$0$0$17,470
Advertising$13,402$0$0$13,402
Payments to Affiliates$11,480$0$0$11,480
Information Technology$8,886$0$0$8,886
Travel$7,934$0$0$7,934
Fees for Services Legal$2,608$0$0$2,608
Conferences and Meetings$2,479$0$0$2,479
Total Functional Expenses$908,155$0$0$908,155
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$155,747$92,491▼ $63,256
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Share Accounts$20,244,873
Accrued Expenses$30,813
Accrued Divivends on Member Accounts$10,365
Accrued Payroll Liabilities$8,033
Other Accruals$5,374
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

EIN
42-0207895
Phone
5633912850

Signing Officer

Name
Randy Haas
Title
President
Phone
5633912850
Signed
2014-06-04
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Randy Haas
Formed
1935
Legal Domicile
Ia
Voting Board Members
11
Independent Board Members
10
Employees
8
Volunteers
12

Preparer

Preparer
Tom Engelmann
Phone
5633233568
Supplemental Narrative

Additional Explanations

Pt VI, Line 11B

“990 form is reviewed by officers prior to filing / by entire board subsequent”

Pt VI, Line 12C

“The credit union enforces conflict of interest policy”

Pt VI, Line 15A

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

Pt VI, Line 19

“Are on file & available upon request financial statements are posted in lobby”

Pt VI, Line 6

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

Pt VI, Line 7A

“All memebrs are allowed to vote at each annual meeting for election of directors”

Pt XI

“Recoveries on written off loans”

Pt XII, Line 2C

“Designated audit committee of board”

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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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IRS990/OtherExpensesGrp/ManagementAndGeneralAmt00
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt10
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt20
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt30
IRS990/OtherExpensesGrp/ProgramServicesAmt024291
IRS990/OtherExpensesGrp/ProgramServicesAmt1103929
IRS990/OtherExpensesGrp/ProgramServicesAmt225369
IRS990/OtherExpensesGrp/ProgramServicesAmt320238
IRS990/OtherExpensesGrp/TotalAmt024291
IRS990/OtherExpensesGrp/TotalAmt1103929
IRS990/OtherExpensesGrp/TotalAmt225369
IRS990/OtherExpensesGrp/TotalAmt320238
IRS990/OtherLiabilitiesGrp/BOYAmt019815339
IRS990/OtherLiabilitiesGrp/EOYAmt020299458
IRS990/OtherSalariesAndWagesGrp/FundraisingAmt00
IRS990/OtherSalariesAndWagesGrp/ManagementAndGeneralAmt00
IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt0297668
IRS990/OtherSalariesAndWagesGrp/TotalAmt0297668
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt011336293
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt011653885
IRS990/PartialLiquidationInd0false
IRS990/PaymentsToAffiliatesGrp/FundraisingAmt00
IRS990/PaymentsToAffiliatesGrp/ManagementAndGeneralAmt00
IRS990/PaymentsToAffiliatesGrp/ProgramServicesAmt011480
IRS990/PaymentsToAffiliatesGrp/TotalAmt011480
IRS990/PayPremiumsPrsnlBnftCntrctInd0false
IRS990/PayrollTaxesGrp/FundraisingAmt00
IRS990/PayrollTaxesGrp/ManagementAndGeneralAmt00
IRS990/PayrollTaxesGrp/ProgramServicesAmt023508
IRS990/PayrollTaxesGrp/TotalAmt023508
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt01000690
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt01000690
IRS990/PoliticalCampaignActyInd0false
IRS990/PrincipalOfficerNm0RANDY HAAS
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/BusinessCd0522291
IRS990/ProgramServiceRevenueGrp/BusinessCd1522291
IRS990/ProgramServiceRevenueGrp/BusinessCd2522100
IRS990/ProgramServiceRevenueGrp/BusinessCd3522291
IRS990/ProgramServiceRevenueGrp/Desc0INTEREST INCOME CONSUMER LOANS
IRS990/ProgramServiceRevenueGrp/Desc1OTHER OPERATING INCOME
IRS990/ProgramServiceRevenueGrp/Desc2FEES & CHARGES
IRS990/ProgramServiceRevenueGrp/Desc3MISCELLANEOUS INCOME
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt0569108
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt17075
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt2138611
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt34505
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYBenefitsPaidToMembersAmt0126895
IRS990/PYExcessBenefitTransInd0false
IRS990/PYInvestmentIncomeAmt0113515
IRS990/PYOtherExpensesAmt0371331
IRS990/PYProgramServiceRevenueAmt0749090
IRS990/PYRevenuesLessExpensesAmt046499
IRS990/PYSalariesCompEmpBnftPaidAmt0317880
IRS990/PYTotalExpensesAmt0816106
IRS990/PYTotalRevenueAmt0862605
IRS990/QuidProQuoContributionsInd0false
IRS990/RcvFndsToPayPrsnlBnftCntrctInd0false
IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt0155747
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt092491
IRS990/ReconcilationRevenueExpnssAmt0-65719
IRS990/RegularMonitoringEnfrcInd0true
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0true
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0true
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0true
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt01556654
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt01490935
IRS990/SavingsAndTempCashInvstGrp/BOYAmt01616969
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/AgentTrusteeEtcInd0false
IRS990ScheduleD/BuildingsGrp/BookValueAmt0572624
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0137670
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt0710294
IRS990ScheduleD/EquipmentGrp/BookValueAmt096954
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt096954
IRS990ScheduleD/InclEscrowCustodialAcctLiabInd0false
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt08123924
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc0ALL INVESTMENTS
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd0F
IRS990ScheduleD/LandGrp/BookValueAmt0250292
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0250292
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt0196091
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt152336
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt236243
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt325073
IRS990ScheduleD/OtherAssetsOrgGrp/Desc0NCUSIF INSURANCE FUND
IRS990ScheduleD/OtherAssetsOrgGrp/Desc1OTHER ASSETS
IRS990ScheduleD/OtherAssetsOrgGrp/Desc2ACCRUED INCOME REC'L
IRS990ScheduleD/OtherAssetsOrgGrp/Desc3PREPAID EXPENSES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt08033
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt130813
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt210365
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt320244873
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt45374
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0ACCRUED PAYROLL LIABILITIES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1ACCRUED EXPENSES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc2ACCRUED DIVIVENDS ON MEMBER ACCOUNTS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc3MEMBER SHARE ACCOUNTS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc4OTHER ACCRUALS
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0919870
IRS990ScheduleD/TotalBookValueOtherAssetsAmt0309743
IRS990ScheduleD/TotalBookValueProgramRltdAmt08123924
IRS990ScheduleD/TotalLiabilityAmt020299458
IRS990ScheduleJ/EquityBasedCompArrngmInd0false
IRS990/ScheduleJRequiredInd0true
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt033636
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt139766
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt06000
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0RYAN SOEDT
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm1RANDY HAAS
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt039636
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt139766
IRS990ScheduleJ/SeverancePaymentInd0false
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd0false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt03595
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt15869
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt210321
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt32531
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt49307
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt560868
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

Document Assets

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Filings

Displayed year

2013 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$22,830,396
Liabilities
$20,338,771
Net assets
$2,491,625
Revenue
$842,436
Expenses
$908,155
Net income
-$65,719
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