Civic Intelligence

Brown Forman Employees Credit Union

990 • Fiscal year 2013 • EIN 61-0531597

Jan 01, 2013 to Dec 31, 2013 • Filed on May 13, 2014

Organization Profilewww.bfecu.com
850 Dixie Highway40210-1038

(502) 774-7321

Siviq Scores

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

Liabilities / Assets

67th percentile

0.89x

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

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

Liabilities / Revenue

50th percentile

19.91x

Higher debt load relative to revenue than 50% of similar nonprofits.

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

Net Margin

80th percentile

13%

Higher net margin than 80% of similar nonprofits.

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

Top Officer Pay

11th percentile

$0

Higher top officer pay than 11% of similar nonprofits.

Top officer pay equals 0.0% of source-year revenue.

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

Asset Growth

69th percentile

4.1%

Faster asset growth than 69% 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 / Assets67th percentile

Assets

Up

$11,496,468

Up $453,680 (+4.1%) from 2012

Net Assets

Up

$1,276,984

Up $67,633 (+5.6%) from 2012

Liabilities

Up

$10,219,484

Up $386,047 (+3.9%) from 2012

Revenue And Expenses
Liabilities / Revenue50th percentileNet Margin80th percentile

Revenue

$513,375

No earlier filing loaded for comparison.

Expenses

Up

$445,742

Up $16,881 (+3.9%) from 2012

Net Income

$67,633

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth69th percentile

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

$15M$10M$5.0M$0Assets 2010: $9,575,898Liabilities 2010: $8,430,096Net Assets 2010: $1,145,8022010Assets 2011: $9,989,038Liabilities 2011: $8,823,573Net Assets 2011: $1,165,4652011Assets 2012: $11,042,788Liabilities 2012: $9,833,437Net Assets 2012: $1,209,3512012Assets 2013: $11,496,468Liabilities 2013: $10,219,484Net Assets 2013: $1,276,9842013Assets 2014: $11,644,743Liabilities 2014: $10,302,581Net Assets 2014: $1,342,1622014Assets 2015: $11,741,855Liabilities 2015: $10,357,219Net Assets 2015: $1,384,6362015Assets 2016: $11,710,557Liabilities 2016: $10,264,117Net Assets 2016: $1,446,4402016Assets 2017: $12,274,419Liabilities 2017: $10,785,222Net Assets 2017: $1,489,1972017Assets 2018: $11,792,699Liabilities 2018: $10,273,830Net Assets 2018: $1,518,8692018Assets 2019: $11,634,577Liabilities 2019: $9,908,639Net Assets 2019: $1,725,9382019Assets 2020: $13,001,245Liabilities 2020: $11,062,116Net Assets 2020: $1,939,1292020Assets 2021: $14,561,249Liabilities 2021: $12,441,092Net Assets 2021: $2,120,1572021Assets 2022: $13,949,962Liabilities 2022: $11,764,403Net Assets 2022: $2,185,5592022Assets 2023: $14,438,828Liabilities 2023: $12,006,960Net Assets 2023: $2,431,8682023Assets 2024: $14,520,855Liabilities 2024: $11,848,812Net Assets 2024: $2,672,0432024

Highlighted filing

2013

Assets$11,496,468
Liabilities$10,219,484
Net Assets$1,276,984
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$0Expenses 2010: $473,2032010Expenses 2011: $431,6992011Expenses 2012: $428,8612012Revenue 2013: $513,375Expenses 2013: $445,742Net Income 2013: $67,6332013Revenue 2014: $539,987Expenses 2014: $474,809Net Income 2014: $65,1782014Revenue 2015: $563,013Expenses 2015: $520,539Net Income 2015: $42,4742015Revenue 2016: $582,501Expenses 2016: $520,697Net Income 2016: $61,8042016Revenue 2017: $584,749Expenses 2017: $541,992Net Income 2017: $42,7572017Revenue 2018: $628,361Expenses 2018: $598,527Net Income 2018: $29,8342018Revenue 2019: $687,454Expenses 2019: $480,385Net Income 2019: $207,0692019Revenue 2020: $652,874Expenses 2020: $439,683Net Income 2020: $213,1912020Revenue 2021: $633,799Expenses 2021: $452,771Net Income 2021: $181,0282021Revenue 2022: $702,016Expenses 2022: $522,079Net Income 2022: $179,9372022Revenue 2023: $923,143Expenses 2023: $676,834Net Income 2023: $246,3092023Revenue 2024: $1,047,064Expenses 2024: $806,889Net Income 2024: $240,1752024

Highlighted filing

2013

Revenue$513,375
Expenses$445,742
Net Income$67,633
Open 2013 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2013 to Dec 31, 2013
Signed
May 13, 2014
Return Version
2013v3.0
Gross Receipts
$513,375
Mission and Program Overview

Mission

Provide loans and savings to members

provide loans & savings to members

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$6,289,188$6,358,406▲ $69,218
Savings and Temporary Cash Investments$4,595,794$4,955,128▲ $359,334
Rtn Earn Endowment Incm Other Fnds$895,912$963,545▲ $67,633
Pd in Cap Srpls Land Bldg Eqp Fund$313,439$313,439→ $0
Cash and Non-Interest-Bearing Accounts$65,605$77,876▲ $12,271
Prepaid Expenses and Deferred Charges$4,835$7,570▲ $2,735
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$11,042,788$11,496,468▲ $453,680
Other Assets Total$87,366$97,488▲ $10,122
Liabilities
Other Liabilities$9,790,399$10,179,179▲ $388,780
Accounts Payable and Accrued Expenses$43,038$40,305▼ $2,733
Total Liabilities$9,833,437$10,219,484▲ $386,047
Net Assets / Fund Balance
Total Net Assets Fund Balance$1,209,351$1,276,984▲ $67,633
Total Liabilities and Net Assets / Fund Balance$11,042,788$11,496,468▲ $453,680
Compensation and Service Providers
Top Officer Pay11th percentile

Board Members and Trustees

NameTitle
Frank HaysleyBoard Chairman
Gayle HamiltonBoard President
Mike MulrooneyBoard Vice Chairman
Damian WhitmerBoard Member
Jennifer PainterBoard Member
Shana RiggsBoard Member
Tiffany DiehlBoard Member
Sharon MeadeBoard Secretary
Jennifer StoutBoard Treasurer
Kelli NelsonDirector
Sheronda BrooksStaff
Tessa BrownStaff
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$470,209
Investment Income
$43,166
Other Revenue
$0
Change in Net Assets
$67,633

Audited Revenue Reconciliation

Revenue per Audited Statements
$513,375
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Other Revenue Adjustments
$0
Total Revenue per Audited Statements
$513,375
Total Revenue per Form 990
$513,375
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$411,556
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Salaries, Compensation, and Employee Benefits$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Fees for Services Management---$250,252
Office Expenses---$49,965
Benefits to Members---$34,186
Information Technology---$26,797
Other Expenses---$11,414
Insurance---$8,213
Payments to Affiliates---$6,122
Advertising---$5,618
Conferences and Meetings---$3,477
Fees for Services Accounting---$3,320
Travel---$2,269
Total Functional Expenses$0$0$0$445,742

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$445,742
Total Expenses per Audited Statements$445,742
Total Expenses per Form 990$445,742
Expenses Not Reported on Financial Statements$0
Expenses Not Reported on Form 990$0
Other Expense Adjustments$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 shares$10,179,179
Governance and Compliance

Governance Checklist

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

“yes members owned”

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

“yes membership owned and controlled”

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

“membership vote”

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

“available for review in the office”

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

“policies reviewed regularly by staff and yearly by board”

Form 990, Part VI, Section B, Line 15

“all positions are reviewed by an HR committee”

Form 990, Part VI, Section C, Line 19

“available upon request”

Filing and Contact Details

Filer

EIN
61-0531597
Phone
5027747321

Signing Officer

Name
Gayle Hamilton
Title
President/Manager
Phone
5027747321
Signed
2014-05-13

Organization Details

Principal Officer
Gayle Hamilton
Formed
1936
Legal Domicile
Ky
Voting Board Members
1,458
Independent Board Members
1,458
Employees
0
Volunteers
12
Raw XML Appendix393 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/RevenueAmt00
IRS990/RoyaltiesRevenueGrp/ExclusionAmt00
IRS990/RoyaltiesRevenueGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
IRS990/RoyaltiesRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt0895912
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt0963545
IRS990/SavingsAndTempCashInvstGrp/BOYAmt04595794
IRS990/SavingsAndTempCashInvstGrp/EOYAmt04955128
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/DonatedServicesAndUseFcltsAmt00
IRS990ScheduleD/DonatedServicesUseFcltsAmt00
IRS990ScheduleD/ExpensesNotReportedAmt00
IRS990ScheduleD/ExpensesNotRptFinclStmtAmt00
IRS990ScheduleD/ExpensesSubtotalAmt0445742
IRS990ScheduleD/InvestmentExpensesNotIncld2Amt00
IRS990ScheduleD/InvestmentExpensesNotIncldAmt00
IRS990ScheduleD/LossesReportedAmt00
IRS990ScheduleD/NetUnrealizedGainsInvstAmt00
IRS990ScheduleD/OtherExpensesIncludedAmt00
IRS990ScheduleD/OtherExpensesNotIncludedAmt00
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt010179179
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0member shares
IRS990ScheduleD/OtherRevenueAmt00
IRS990ScheduleD/OtherRevenuesNotIncludedAmt00
IRS990ScheduleD/PriorYearAdjustmentsAmt00
IRS990ScheduleD/RecoveriesPriorYearGrantsAmt00
IRS990ScheduleD/RevenueNotReportedAmt00
IRS990ScheduleD/RevenueNotReportedFinclStmtAmt00
IRS990ScheduleD/RevenueSubtotalAmt0513375
IRS990ScheduleD/TotalExpensesPerForm990Amt0445742
IRS990ScheduleD/TotalLiabilityAmt010179179
IRS990ScheduleD/TotalRevenuePerForm990Amt0513375
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt0513375
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt0445742
IRS990/ScheduleJRequiredInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0yes members owned
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1yes membership owned and controlled
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2membership vote
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3available for review in the office
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4policies reviewed regularly by staff and yearly by board
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5all positions are reviewed by an HR committee
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6available upon request
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
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/SubjectToProxyTaxInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TempOrPermanentEndowmentsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt011042788
IRS990/TotalAssetsEOYAmt011496468
IRS990/TotalAssetsGrp/BOYAmt011042788
IRS990/TotalAssetsGrp/EOYAmt011496468
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalContributionsAmt00
IRS990/TotalEmployeeCnt00
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt0445742
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt09833437
IRS990/TotalLiabilitiesEOYAmt010219484
IRS990/TotalLiabilitiesGrp/BOYAmt09833437
IRS990/TotalLiabilitiesGrp/EOYAmt010219484
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt01209351
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt01276984
IRS990/TotalOtherCompensationAmt00
IRS990/TotalOtherProgSrvcExpenseAmt00
IRS990/TotalOtherProgSrvcGrantAmt00
IRS990/TotalOtherProgSrvcRevenueAmt00
IRS990/TotalOthProgramServiceRevGrp/ExclusionAmt00
IRS990/TotalOthProgramServiceRevGrp/RelatedOrExemptFuncIncomeAmt0470209
IRS990/TotalOthProgramServiceRevGrp/TotalRevenueColumnAmt0470209
IRS990/TotalOthProgramServiceRevGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalProgramServiceExpensesAmt00
IRS990/TotalProgramServiceRevenueAmt0470209
IRS990/TotalReportableCompFromOrgAmt00
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0513375
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0513375
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt012
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt011042788
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt011496468
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TravelGrp/TotalAmt02269
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd00
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine10120 Cambron Drive
IRS990/USAddress/City0Bardstown
IRS990/USAddress/State0KY
IRS990/USAddress/ZIPCode040004
IRS990/VotingMembersGoverningBodyCnt01458
IRS990/VotingMembersIndependentCnt01458
IRS990/WebsiteAddressTxt0www.bfecu.com
IRS990/WhistleblowerPolicyInd00
ReturnHeader/BuildTS02015-11-30 17:44:51Z
ReturnHeader/BusinessOfficerGrp/PersonNm0Gayle Hamilton
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0President/Manager
ReturnHeader/BusinessOfficerGrp/PhoneNum05027747321
ReturnHeader/BusinessOfficerGrp/SignatureDt02014-05-13
ReturnHeader/Filer/BusinessName/BusinessNameLine10BROWN FORMAN EMPLOYEES CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0BROW
ReturnHeader/Filer/EIN0610531597
ReturnHeader/Filer/PhoneNum05027747321
ReturnHeader/Filer/USAddress/AddressLine10850 Dixie Highway
ReturnHeader/Filer/USAddress/City0Louisville
ReturnHeader/Filer/USAddress/State0KY
ReturnHeader/Filer/USAddress/ZIPCode0402101038
ReturnHeader/ReturnTs02014-05-14T11:16:25-07:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02013-01-01
ReturnHeader/TaxPeriodEndDt02013-12-31
ReturnHeader/TaxYr02013

Document Assets

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Filings

Displayed year

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

Open filing
Assets
$11,496,468
Liabilities
$10,219,484
Net assets
$1,276,984
Revenue
$513,375
Expenses
$445,742
Net income
$67,633
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$14.5$11.8$2.67$1.05$0.81$0.24
2023Detailed filing. Detailed filing data is available for this year.$14.4$12.0$2.43$0.92$0.68$0.25
2022Detailed filing. Detailed filing data is available for this year.$13.9$11.8$2.19$0.70$0.52$0.18
2021Detailed filing. Detailed filing data is available for this year.$14.6$12.4$2.12$0.63$0.45$0.18
2020Detailed filing. Detailed filing data is available for this year.$13.0$11.1$1.94$0.65$0.44$0.21
2019Detailed filing. Detailed filing data is available for this year.$11.6$9.91$1.73$0.69$0.48$0.21
2018Detailed filing. Detailed filing data is available for this year.$11.8$10.3$1.52$0.63$0.60$0.03
2017Detailed filing. Detailed filing data is available for this year.$12.3$10.8$1.49$0.58$0.54$0.04
2016Detailed filing. Detailed filing data is available for this year.$11.7$10.3$1.45$0.58$0.52$0.06
2015Detailed filing. Detailed filing data is available for this year.$11.7$10.4$1.38$0.56$0.52$0.04
2014Detailed filing. Detailed filing data is available for this year.$11.6$10.3$1.34$0.54$0.47$0.07
2013Detailed filing. Detailed filing data is available for this year.$11.5$10.2$1.28$0.51$0.45$0.07
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$11.0$9.83$1.21$0.43
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$9.99$8.82$1.17$0.43
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$9.58$8.43$1.15$0.47