Civic Intelligence

Hello Credit Union

990 • Fiscal year 2013 • EIN 59-0690964

Jan 01, 2013 to Dec 31, 2013 • Filed on Oct 23, 2014

Organization ProfileWWW.BAYCU.COM

View Organization Page

601 Highway 23132405

(850) 785-6103

Siviq Scores

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

Liabilities / Assets

54th percentile

0.90x

Higher debt load relative to assets than 54% of similar nonprofits.

2013 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2013

Liabilities / Revenue

23rd percentile

14.71x

Higher debt load relative to revenue than 23% of similar nonprofits.

2013 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2013

Net Margin

58th percentile

10%

Higher net margin than 58% of similar nonprofits.

2013 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2013

Top Officer Pay

49th percentile

$127,124

Higher top officer pay than 49% of similar nonprofits.

Top officer pay equals 2.9% of source-year revenue.

2013 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2013

Asset Growth

44th percentile

1.4%

Faster asset growth than 44% of similar nonprofits.

2013 filings • 501(c)14 • $50M-$100M 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 / Assets54th percentile

Assets

Up

$71,977,754

Up $972,118 (+1.4%) from 2012

Net Assets

Up

$7,437,236

Up $761,548 (+11%) from 2012

Liabilities

Up

$64,540,518

Up $210,570 (+0.3%) from 2012

Revenue And Expenses
Liabilities / Revenue23rd percentileNet Margin58th percentile

Revenue

$4,388,953

No earlier filing loaded for comparison.

Expenses

Down

$3,942,888

Down $201,773 (-4.9%) from 2012

Net Income

$446,065

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth44th percentile

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

$200M$150M$100M$50M$0Assets 2010: $63,323,899Liabilities 2010: $56,973,079Net Assets 2010: $6,350,8202010Assets 2011: $65,891,645Liabilities 2011: $59,300,894Net Assets 2011: $6,590,7512011Assets 2012: $71,005,636Liabilities 2012: $64,329,948Net Assets 2012: $6,675,6882012Assets 2013: $71,977,754Liabilities 2013: $64,540,518Net Assets 2013: $7,437,2362013Assets 2014: $75,718,269Liabilities 2014: $68,025,184Net Assets 2014: $7,693,0852014Assets 2015: $81,641,845Liabilities 2015: $73,966,538Net Assets 2015: $7,675,3072015Assets 2016: $82,379,530Liabilities 2016: $74,795,792Net Assets 2016: $7,583,7382016Assets 2017: $82,887,206Liabilities 2017: $75,437,541Net Assets 2017: $7,449,6652017Assets 2018: $110,747,504Liabilities 2018: $103,478,529Net Assets 2018: $7,268,9752018Assets 2019: $101,786,940Liabilities 2019: $91,954,158Net Assets 2019: $9,832,7822019Assets 2020: $107,126,544Liabilities 2020: $96,394,353Net Assets 2020: $10,732,1912020Assets 2021: $118,332,865Liabilities 2021: $107,385,804Net Assets 2021: $10,947,0612021Assets 2022: $168,547,425Liabilities 2022: $149,754,550Net Assets 2022: $18,792,8752022Assets 2024: $163,318,016Liabilities 2024: $142,348,271Net Assets 2024: $20,969,7452024

Highlighted filing

2013

Assets$71,977,754
Liabilities$64,540,518
Net Assets$7,437,236
Open 2013 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$10M$5.0M$0-$5.0MExpenses 2010: $4,225,6302010Expenses 2011: $4,081,9992011Expenses 2012: $4,144,6612012Revenue 2013: $4,388,953Expenses 2013: $3,942,888Net Income 2013: $446,0652013Revenue 2014: $4,850,572Expenses 2014: $4,426,526Net Income 2014: $424,0462014Revenue 2015: $4,936,261Expenses 2015: $5,036,828Net Income 2015: -$100,5672015Revenue 2016: $4,603,734Expenses 2016: $4,558,279Net Income 2016: $45,4552016Revenue 2017: $4,331,558Expenses 2017: $4,496,849Net Income 2017: -$165,2912017Revenue 2018: $4,302,755Expenses 2018: $3,957,885Net Income 2018: $344,8702018Revenue 2019: $5,724,439Expenses 2019: $3,579,920Net Income 2019: $2,144,5192019Revenue 2020: $4,008,457Expenses 2020: $3,650,913Net Income 2020: $357,5442020Revenue 2021: $4,461,399Expenses 2021: $3,809,315Net Income 2021: $652,0842021Revenue 2022: $7,848,025Expenses 2022: $6,042,145Net Income 2022: $1,805,8802022Revenue 2024: $9,964,143Expenses 2024: $9,299,864Net Income 2024: $664,2792024

Highlighted filing

2013

Revenue$4,388,953
Expenses$3,942,888
Net Income$446,065
Open 2013 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2013 to Dec 31, 2013
Signed
Oct 23, 2014
Return Version
2013v3.0
Gross Receipts
$4,388,953
Mission and Program Overview

Mission

To provide residents of bay county with financial and depository services.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$44,736,866$52,592,104▲ $7,855,238
Savings and Temporary Cash Investments$16,576,448$13,769,885▼ $2,806,563
Rtn Earn Endowment Incm Other Fnds$6,675,688$7,437,236▲ $761,548
Land, Buildings, and Equipment, Net$3,394,396$3,386,557▼ $7,839
Cash and Non-Interest-Bearing Accounts$5,337,100$1,122,706▼ $4,214,394
Prepaid Expenses and Deferred Charges$59,007$83,097▲ $24,090
Accounts Receivable$9,678$7,872▼ $1,806
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$71,005,636$71,977,754▲ $972,118
Other Assets Total$892,141$1,015,533▲ $123,392
Liabilities
Other Liabilities$63,352,776$63,489,699▲ $136,923
Accounts Payable and Accrued Expenses$977,172$629,112▼ $348,060
Mortgage Notes Payable Secured by Investment Property-$421,707-
Total Liabilities$64,329,948$64,540,518▲ $210,570
Net Assets / Fund Balance
Total Net Assets Fund Balance$6,675,688$7,437,236▲ $761,548
Total Liabilities and Net Assets / Fund Balance$71,005,636$71,977,754▲ $972,118

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$2,492,160$1,161,677$3,653,837
Other Land Buildings$464,159$686,659$1,150,818
Land$430,238-$430,238
Compensation and Service Providers
Top Officer Pay49th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Ray CrispPresident/CEOFT$93,943$33,181$127,124
Robin MontgomeryVP of FinanceFT$65,628$31,284$96,912

Board Members and Trustees

NameTitle
Gary D BlissChairperson
Richard MaxwellVice-chairperson
Charles CunninghamBoard Member
Dallas ShawBoard Member
Frank GillmoreBoard Member
Jim MannSecretary
Charles AtkinsTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$3,287,737
Investment Income
$223,043
Other Revenue
$878,173
Change in Net Assets
$446,065

Audited Revenue Reconciliation

Revenue per Audited Statements
$4,388,953
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Total Revenue per Audited Statements
$4,388,953
Total Revenue per Form 990
$4,388,953
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$2,120,716
Salaries, Compensation, and Employee Benefits$1,822,172
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$1,117,920
Information Technology---$324,465
Interest---$275,597
Office Expenses---$270,555
All Other Expenses---$259,243
Current Officers, Directors, Trustees, and Key Employees---$224,036
Depreciation Depletion---$183,720
Pension Plan Contributions---$169,270
Other Employee Benefits---$157,835
Payroll Taxes---$153,111
Occupancy---$105,427
Other Expenses---$50,132
Insurance---$49,538
Advertising---$45,826
Fees for Services Accounting---$38,999
Conferences and Meetings---$23,240
Fees for Services Legal---$10,694
Travel---$5,368
Total Functional Expenses$0$0$0$3,942,888

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$3,942,888
Total Expenses per Audited Statements$3,942,888
Total Expenses per Form 990$3,942,888
Expenses Not Reported on Financial Statements$0
Expenses Not Reported on Form 990$0
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
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Deposit Accounts$63,489,531
Dividends Payable$168
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
Yes
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 6

“The credit union is owned by its members.”

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

“The board of directors are elected by the credit union's membership for three-year terms. The chairman of the board appoints a nominating committee who will nominate at least one person from the membership for each vacancy for which elections are being held. Members may also be nominated by petition.”

Form 990, Part VI, Section B, Line 11

“Our cpa firm completes the 990 in conjunction with our accounting department. It is then submitted to our president/ceo and vp of finance for their review and signature.”

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

“Officials, officers, management, and staff are required to sign the conflict of interest policy. All insiders receive services under the same terms as any members. Managment performs a review of potential vendors prior to contracting for services. This review would identify possible conflicts of interest.”

Form 990, Part VI, Section B, Line 15

“The board of directors approve the salary of the credit union's president/ceo. The president/ceo approves all employee compensation.”

Form 990, Part VI, Section C, Line 19

“Financial statements are provided to members at the credit union's annual meeting each march and to dunn & bradstreet annually in december.”

Filing and Contact Details

Filer

EIN
59-0690964
Phone
8507856103

Signing Officer

Name
Ray Crisp
Title
CEO
Phone
8507856103
Signed
2014-10-23

Organization Details

Principal Officer
Ray Crisp
Formed
1952
Legal Domicile
Fl
Voting Board Members
7
Independent Board Members
7
Employees
42
Volunteers
12

Preparer

Preparer
Harold S Hutto Jr CPA
Phone
8504385299
Supplemental Narrative

Additional Explanations

FORM 990, PART XI, LINE 9:

“Fasb asc 715 pension liability adjustment 315,483.”

Form 990, Part XII, Line 2(C)

“The credit union has an audit committee comprised of four volunteers who are responsible for the oversight of the audit and the selection of the independent auditors.”

Financial Statement Notes

PART X, LINE 2:

“Effective january 1, 2009, the credit union implemented the new accounting requirements associated with uncertainty in income taxes using the provisions of financial accounting standards board (fasb) asc 740, income taxes. Using that guidance, tax positions initially need to be recognized in the financial statements when it is more-likely-than-not the positions will be sustained upon examination by the tax authorities. It also provides guidance for derecognition, classification, interest and penalties, accounting in interim periods, disclosure and transition. As of december 31, 2013, the credit union had no uncertain tax positions that qualify for either recognition or disclosure in the financial statements. Additionally, the credit union had no interest and penalties related to income taxes. With few exceptions, the credit union is no longer subject to u.s. Federal, state, and local income tax examinations by tax authorities for years before 2010.”

Raw XML Appendix388 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.

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IRS990/PayrollTaxesGrp/TotalAmt0153111
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt0169270
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt059007
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt083097
IRS990/PrincipalOfficerNm0RAY CRISP
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/Desc0LOAN INTEREST INCOME
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt03287737
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt03287737
IRS990/ProgSrvcAccomActy2Grp/Desc0CREDIT UNION PROGRAM: THE CREDIT UNION PROVIDES LOANS IN THE FORM OF VISA CREDIT CARDS, MORTGAGES, LINES OF CREDIT AND CONSUMER LOANS.
IRS990/ProgSrvcAccomActy3Grp/Desc0CREDIT UNION PROGRAM: THE CREDIT UNION PROVIDES LOW COST SERVICES SUCH AS SAFE DEPOSIT BOXES, CHECKING, OVERDRAFT PROTECTION, BILL PAY AND WIRE TRANSFER.
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt0272240
IRS990/PYOtherExpensesAmt02465665
IRS990/PYOtherRevenueAmt01005747
IRS990/PYProgramServiceRevenueAmt03101830
IRS990/PYRevenuesLessExpensesAmt0235156
IRS990/PYSalariesCompEmpBnftPaidAmt01678996
IRS990/PYTotalExpensesAmt04144661
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt04379817
IRS990/ReconcilationRevenueExpnssAmt0446065
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt06675688
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt07437236
IRS990/SavingsAndTempCashInvstGrp/BOYAmt016576448
IRS990/SavingsAndTempCashInvstGrp/EOYAmt013769885
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt02492160
IRS990ScheduleD/BuildingsGrp/DepreciationAmt01161677
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt03653837
IRS990ScheduleD/ExpensesNotReportedAmt00
IRS990ScheduleD/ExpensesNotRptFinclStmtAmt00
IRS990ScheduleD/ExpensesSubtotalAmt03942888
IRS990ScheduleD/FootnoteTextInd0X
IRS990ScheduleD/LandGrp/BookValueAmt0430238
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0430238
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt0464159
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt0686659
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt01150818
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt063489531
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt1168
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER DEPOSIT ACCOUNTS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1DIVIDENDS PAYABLE
IRS990ScheduleD/RevenueNotReportedAmt00
IRS990ScheduleD/RevenueNotReportedFinclStmtAmt00
IRS990ScheduleD/RevenueSubtotalAmt04388953
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0EFFECTIVE JANUARY 1, 2009, THE CREDIT UNION IMPLEMENTED THE NEW ACCOUNTING REQUIREMENTS ASSOCIATED WITH UNCERTAINTY IN INCOME TAXES USING THE PROVISIONS OF FINANCIAL ACCOUNTING STANDARDS BOARD (FASB) ASC 740, INCOME TAXES. USING THAT GUIDANCE, TAX POSITIONS INITIALLY NEED TO BE RECOGNIZED IN THE FINANCIAL STATEMENTS WHEN IT IS MORE-LIKELY-THAN-NOT THE POSITIONS WILL BE SUSTAINED UPON EXAMINATION BY THE TAX AUTHORITIES. IT ALSO PROVIDES GUIDANCE FOR DERECOGNITION, CLASSIFICATION, INTEREST AND PENALTIES, ACCOUNTING IN INTERIM PERIODS, DISCLOSURE AND TRANSITION. AS OF DECEMBER 31, 2013, THE CREDIT UNION HAD NO UNCERTAIN TAX POSITIONS THAT QUALIFY FOR EITHER RECOGNITION OR DISCLOSURE IN THE FINANCIAL STATEMENTS. ADDITIONALLY, THE CREDIT UNION HAD NO INTEREST AND PENALTIES RELATED TO INCOME TAXES. WITH FEW EXCEPTIONS, THE CREDIT UNION IS NO LONGER SUBJECT TO U.S. FEDERAL, STATE, AND LOCAL INCOME TAX EXAMINATIONS BY TAX AUTHORITIES FOR YEARS BEFORE 2010.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0PART X, LINE 2:
IRS990ScheduleD/TotalBookValueLandBuildingsAmt03386557
IRS990ScheduleD/TotalExpensesPerForm990Amt03942888
IRS990ScheduleD/TotalLiabilityAmt063489699
IRS990ScheduleD/TotalRevenuePerForm990Amt04388953
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt04388953
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt03942888
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/DiscretionarySpendingAcctInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd00
IRS990/ScheduleJRequiredInd00
IRS990ScheduleJ/SeverancePaymentInd00
IRS990ScheduleJ/SubstantiationRequiredInd01
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd00
IRS990ScheduleJ/TravelForCompanionsInd0X
IRS990ScheduleJ/WrittenPolicyRefTAndEExpnssInd01
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE CREDIT UNION IS OWNED BY ITS MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE BOARD OF DIRECTORS ARE ELECTED BY THE CREDIT UNION'S MEMBERSHIP FOR THREE-YEAR TERMS. THE CHAIRMAN OF THE BOARD APPOINTS A NOMINATING COMMITTEE WHO WILL NOMINATE AT LEAST ONE PERSON FROM THE MEMBERSHIP FOR EACH VACANCY FOR WHICH ELECTIONS ARE BEING HELD. MEMBERS MAY ALSO BE NOMINATED BY PETITION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2OUR CPA FIRM COMPLETES THE 990 IN CONJUNCTION WITH OUR ACCOUNTING DEPARTMENT. IT IS THEN SUBMITTED TO OUR PRESIDENT/CEO AND VP OF FINANCE FOR THEIR REVIEW AND SIGNATURE.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3OFFICIALS, OFFICERS, MANAGEMENT, AND STAFF ARE REQUIRED TO SIGN THE CONFLICT OF INTEREST POLICY. ALL INSIDERS RECEIVE SERVICES UNDER THE SAME TERMS AS ANY MEMBERS. MANAGMENT PERFORMS A REVIEW OF POTENTIAL VENDORS PRIOR TO CONTRACTING FOR SERVICES. THIS REVIEW WOULD IDENTIFY POSSIBLE CONFLICTS OF INTEREST.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4THE BOARD OF DIRECTORS APPROVE THE SALARY OF THE CREDIT UNION'S PRESIDENT/CEO. THE PRESIDENT/CEO APPROVES ALL EMPLOYEE COMPENSATION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5FINANCIAL STATEMENTS ARE PROVIDED TO MEMBERS AT THE CREDIT UNION'S ANNUAL MEETING EACH MARCH AND TO DUNN & BRADSTREET ANNUALLY IN DECEMBER.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6FASB ASC 715 PENSION LIABILITY ADJUSTMENT 315,483.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7THE CREDIT UNION HAS AN AUDIT COMMITTEE COMPRISED OF FOUR VOLUNTEERS WHO ARE RESPONSIBLE FOR THE OVERSIGHT OF THE AUDIT AND THE SELECTION OF THE INDEPENDENT AUDITORS.
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 B, LINE 11
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PART VI, SECTION B, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PART VI, SECTION B, LINE 15
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PART VI, SECTION C, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PART XI, LINE 9:
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7FORM 990, PART XII, LINE 2(C)
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/SubjectToProxyTaxInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TempOrPermanentEndowmentsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt071005636
IRS990/TotalAssetsEOYAmt071977754
IRS990/TotalAssetsGrp/BOYAmt071005636
IRS990/TotalAssetsGrp/EOYAmt071977754
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalEmployeeCnt042
IRS990/TotalFunctionalExpensesGrp/TotalAmt03942888
IRS990/TotalGrossUBIAmt017606
IRS990/TotalLiabilitiesBOYAmt064329948
IRS990/TotalLiabilitiesEOYAmt064540518
IRS990/TotalLiabilitiesGrp/BOYAmt064329948
IRS990/TotalLiabilitiesGrp/EOYAmt064540518
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt06675688
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt07437236
IRS990/TotalOtherCompensationAmt064465
IRS990/TotalProgramServiceRevenueAmt03287737
IRS990/TotalReportableCompFromOrgAmt0159571
IRS990/TotalRevenueGrp/ExclusionAmt0223043
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt04148304
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt04388953
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt017606
IRS990/TotalVolunteersCnt012
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt071005636
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt071977754
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TravelGrp/TotalAmt05368
IRS990/TypeOfOrganizationOtherInd0X
IRS990/UnrelatedBusIncmOverLimitInd01
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine10601 HIGHWAY 231
IRS990/USAddress/City0PANAMA CITY
IRS990/USAddress/State0FL
IRS990/USAddress/ZIPCode032405
IRS990/VotingMembersGoverningBodyCnt07
IRS990/VotingMembersIndependentCnt07
IRS990/WebsiteAddressTxt0WWW.BAYCU.COM
IRS990/WhistleblowerPolicyInd00
ReturnHeader/BuildTS02015-11-30 17:44:51Z
ReturnHeader/BusinessOfficerGrp/PersonNm0RAY CRISP
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0CEO
ReturnHeader/BusinessOfficerGrp/PhoneNum08507856103
ReturnHeader/BusinessOfficerGrp/SignatureDt02014-10-23
ReturnHeader/Filer/BusinessName/BusinessNameLine10BAY CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0BAYC
ReturnHeader/Filer/EIN0590690964
ReturnHeader/Filer/PhoneNum08507856103
ReturnHeader/Filer/USAddress/AddressLine10601 HIGHWAY 231
ReturnHeader/Filer/USAddress/City0PANAMA CITY
ReturnHeader/Filer/USAddress/State0FL
ReturnHeader/Filer/USAddress/ZIPCode032405
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0593262654
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine10HUTTO & CARVER PA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine10200 E GOVERNMENT ST STE 110
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/City0PENSACOLA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/State0FL
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCode032502
ReturnHeader/PreparerPersonGrp/PhoneNum08504385299
ReturnHeader/PreparerPersonGrp/PreparationDt02014-10-23
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0HAROLD S HUTTO JR CPA
ReturnHeader/ReturnTs02014-11-06T08:49:35-06:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02013-01-01
ReturnHeader/TaxPeriodEndDt02013-12-31
ReturnHeader/TaxYr02013

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

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

Open filing
Assets
$71,977,754
Liabilities
$64,540,518
Net assets
$7,437,236
Revenue
$4,388,953
Expenses
$3,942,888
Net income
$446,065
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$163$142$21.0$9.96$9.30$0.66
2022Summary only. Only limited summary data is available for this year.$169$150$18.8$7.85$6.04$1.81
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$118$107$10.9$4.46$3.81$0.65
2020Facts available. Structured filing facts are available, but richer extracted sections are limited.$107$96.4$10.7$4.01$3.65$0.36
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$102$92.0$9.83$5.72$3.58$2.14
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$111$103$7.27$4.30$3.96$0.34
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$82.9$75.4$7.45$4.33$4.50$0.17
2016Facts available. Structured filing facts are available, but richer extracted sections are limited.$82.4$74.8$7.58$4.60$4.56$0.05
2015Detailed filing. Detailed filing data is available for this year.$81.6$74.0$7.68$4.94$5.04$0.10
2014Detailed filing. Detailed filing data is available for this year.$75.7$68.0$7.69$4.85$4.43$0.42
2013Detailed filing. Detailed filing data is available for this year.$72.0$64.5$7.44$4.39$3.94$0.45
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$71.0$64.3$6.68$4.14
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$65.9$59.3$6.59$4.08
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$63.3$57.0$6.35$4.23
Peer Organizations

Similar nonprofits based on the same Siviq industry and scale cohort. 2013 filings • 501(c)14 • $50M-$100M nonprofits