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Hello Credit Union

990 • Fiscal year 2010 • EIN 59-0690964

Jan 01, 2010 to Dec 31, 2010 • Filed on Sep 09, 2011

Organization ProfileWWW.BAYCU.COM

View Organization Page

601 Highway 23132405
Siviq Scores

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

Liabilities / Assets

59th percentile

0.90x

Higher debt load relative to assets than 59% of similar nonprofits.

2010 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2010

Liabilities / Revenue

Score unavailable

No value available

Liabilities-to-revenue requires both liabilities and revenue on this filing.

Source year 2010

Net Margin

Score unavailable

No value available

Net margin requires both revenue and expenses on this filing.

Source year 2010

Top Officer Pay

Score unavailable

No value available

This filing does not contain officer compensation rows.

Source year 2010

Asset Growth

Score unavailable

No value available

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

Source year 2010

Revenue Growth

Score unavailable

No value available

No valid filing value is available for this score.

Balance Sheet
Liabilities / Assets59th percentile

Assets

$63,323,899

No earlier filing loaded for comparison.

Net Assets

$6,350,820

No earlier filing loaded for comparison.

Liabilities

$56,973,079

No earlier filing loaded for comparison.

Revenue And Expenses
Liabilities / RevenueScore unavailableNet MarginScore unavailable

Revenue

-

No earlier filing loaded for comparison.

Expenses

$4,225,630

No earlier filing loaded for comparison.

Net Income

-

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset GrowthScore unavailable

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

2010

Assets$63,323,899
Liabilities$56,973,079
Net Assets$6,350,820
Open 2010 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

2010

Revenue-
Expenses$4,225,630
Net Income-
Open 2010 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2010 to Dec 31, 2010
Signed
Sep 9, 2011
Return Version
2010v3.4
Gross Receipts
$4,380,695
Mission and Program Overview

Mission

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

Filing and Contact Details

Filer

EIN
59-0690964
Raw XML AppendixShowing 400 of 402 raw XML fields

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IRS990ScheduleD/Form990ScheduleDPartXIV/Explanation0Effective 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, 2010, 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.
IRS990ScheduleD/Form990ScheduleDPartXIV/Explanation1FASB ASC 715 PENSION LIABILITY ADJUSTMENT -41045.
IRS990ScheduleD/Form990ScheduleDPartXIV/Identifier0Description of Uncertain Tax Positions Under FIN 48:
IRS990ScheduleD/Form990ScheduleDPartXIV/Identifier1Part XI, Line 8 - Other Adjustments:
IRS990ScheduleD/Form990ScheduleDPartXIV/ReturnReference0Part X:
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IRS990ScheduleO/GeneralExplanation/Explanation0THE CREDIT UNION IS OWNED BY ITS MEMBERS.
IRS990ScheduleO/GeneralExplanation/Explanation1THE 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/GeneralExplanation/Explanation2OUR 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/GeneralExplanation/Explanation3OFFICIALS, 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/GeneralExplanation/Explanation4THE BOARD OF DIRECTORS APPROVE THE SALARY OF THE CREDIT UNION'S PRESIDENT/CEO. THE PRESIDENT/CEO APPROVES ALL EMPLOYEE COMPENSATION.
IRS990ScheduleO/GeneralExplanation/Explanation5FINANCIAL STATEMENTS ARE PROVIDED TO MEMBERS AT THE CREDIT UNION'S ANNUAL MEETING EACH MARCH AND TO DUNN & BRADSTREET ANNUALLY IN DECEMBER.
IRS990ScheduleO/GeneralExplanation/Explanation6FASB ASC 715 PENSION LIABILITY ADJUSTMENT -41045. Total to Form 990, Part XI, Line 5: -41045.
IRS990ScheduleO/GeneralExplanation/Explanation7THE 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/GeneralExplanation/Identifier0Form 990, Part VI, Section A, line 6
IRS990ScheduleO/GeneralExplanation/Identifier1Form 990, Part VI, Section A, line 7a
IRS990ScheduleO/GeneralExplanation/Identifier2Form 990, Part VI, Section B, line 11
IRS990ScheduleO/GeneralExplanation/Identifier3Changes in Net Assets or Fund Balances:
IRS990ScheduleO/GeneralExplanation/ReturnReference0Form 990, Part VI, Section B, line 12c
IRS990ScheduleO/GeneralExplanation/ReturnReference1Form 990, Part VI, Section B, line 15
IRS990ScheduleO/GeneralExplanation/ReturnReference2Form 990, Part VI, Section C, line 19
IRS990ScheduleO/GeneralExplanation/ReturnReference3Form 990, Part XI, line 5:
IRS990ScheduleO/GeneralExplanation/ReturnReference4FORM 990, PART XII, LINE 2(c)
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IRS990/TotalRevenue/RelatedOrExemptFunctionIncome03923683
IRS990/TotalRevenue/TotalRevenueColumn04380695
IRS990/TotalRevenue/UnrelatedBusinessRevenue09828
IRS990/TransactionRelatedEntity00
IRS990/Travel/Total03282
IRS990/TypeOfOrganizationOther0X
IRS990/TypeOfOrgOtherDescription0CREDIT UNION
IRS990/UnrelatedBusinessIncome01
IRS990/UponRequest0X
IRS990/WebSite0www.baycu.com
IRS990/WhistleblowerPolicy00
IRS990/YearFormation01952
ReturnHeader/BuildTS02016-02-24 21:20:13Z
ReturnHeader/Filer/EIN0590690964
ReturnHeader/Filer/Name/BusinessNameLine10BAY CREDIT UNION
ReturnHeader/Filer/NameControl0BAYC
ReturnHeader/Filer/Phone08507856103
ReturnHeader/Filer/USAddress/AddressLine10601 HIGHWAY 231
ReturnHeader/Filer/USAddress/City0PANAMA CITY
ReturnHeader/Filer/USAddress/State0FL
ReturnHeader/Filer/USAddress/ZIPCode032405
ReturnHeader/Officer/DateSigned02011-09-09
ReturnHeader/Officer/Name0GRAHAM W MEDLOCK
ReturnHeader/Officer/Phone08507856103
ReturnHeader/Officer/Title0CEO
ReturnHeader/Preparer/DatePrepared02011-09-08
ReturnHeader/PreparerFirm/PreparerFirmBusinessName/BusinessNameLine10Hutto & Carver PA
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/AddressLine10200 E Government St Ste 110
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/City0Pensacola
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/State0FL
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/ZIPCode032502
ReturnHeader/Preparer/Name0Harold S Hutto Jr
ReturnHeader/Preparer/Phone08504385299
ReturnHeader/ReturnType0990
ReturnHeader/TaxPeriodBeginDate02010-01-01
ReturnHeader/TaxPeriodEndDate02010-12-31

Document Assets

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Filings

Displayed year

2010 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$63,323,899
Liabilities
$56,973,079
Net assets
$6,350,820
Revenue
-
Expenses
$4,225,630
Net income
-
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. 2010 filings • 501(c)14 • $50M-$100M nonprofits