Civic Intelligence

B C B S Credit Union Inc

990 • Fiscal year 2011 • EIN 61-0650808

Jan 01, 2011 to Dec 31, 2011 • Filed on May 03, 2012

Organization Profile
13550 Triton Park Blvd40223
Siviq Scores

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

Liabilities / Assets

89th percentile

0.83x

Higher debt load relative to assets than 89% of similar nonprofits.

2011 filings • $5M-$10M nonprofits • Source year 2011

Liabilities / Revenue

Score unavailable

No value available

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

Source year 2011

Net Margin

Score unavailable

No value available

Net margin requires both revenue and expenses on this filing.

Source year 2011

Top Officer Pay

Score unavailable

No value available

This filing does not contain officer compensation rows.

Source year 2011

Asset Growth

57th percentile

2.5%

Faster asset growth than 57% of similar nonprofits.

2011 filings • $5M-$10M nonprofits • Annualized from 2010 to 2011

Revenue Growth

Score unavailable

No value available

No valid filing value is available for this score.

Balance Sheet
Liabilities / Assets89th percentile

Assets

Up

$6,265,855

Up $153,830 (+2.5%) from 2010

Net Assets

Down

$1,091,588

Down $65,079 (-5.6%) from 2010

Liabilities

Up

$5,174,267

Up $218,909 (+4.4%) from 2010

Revenue And Expenses
Liabilities / RevenueScore unavailableNet MarginScore unavailable

Revenue

-

No earlier filing loaded for comparison.

Expenses

Down

$278,772

Down $32,059 (-10%) from 2010

Net Income

-

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth57th percentile

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

$8.0M$6.0M$4.0M$2.0M$0Assets 2010: $6,112,025Liabilities 2010: $4,955,358Net Assets 2010: $1,156,6672010Assets 2011: $6,265,855Liabilities 2011: $5,174,267Net Assets 2011: $1,091,5882011Assets 2012: $6,426,534Liabilities 2012: $5,359,179Net Assets 2012: $1,067,3552012

Highlighted filing

2011

Assets$6,265,855
Liabilities$5,174,267
Net Assets$1,091,588
Open 2011 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$400K$300K$200K$100K$0Expenses 2010: $310,8312010Expenses 2011: $278,7722011Expenses 2012: $226,5702012

Highlighted filing

2011

Revenue-
Expenses$278,772
Net Income-
Open 2011 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2011 to Dec 31, 2011
Signed
May 3, 2012
Return Version
2011v1.2
Gross Receipts
$213,693
Filing and Contact Details

Filer

EIN
61-0650808
Raw XML Appendix314 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/BenefitsPaidToMembersPriorYear024388
IRS990/BenefitsToMembers/Total020178
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IRS990/CashNonInterestBearing/BOY0202141
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IRS990/Form990PartVIISectionA/NamePerson4LAURA KAYE
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IRS990/Form990PartVIISectionA/NamePerson6BRENDA CHILDRESS
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IRS990/Form990PartVIISectionA/OtherCompensation60
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IRS990/Form990PartVIISectionA/Title0PRESIDENT-PA
IRS990/Form990PartVIISectionA/Title1PRESIDENT-PA
IRS990/Form990PartVIISectionA/Title2BOARD CHAIRM
IRS990/Form990PartVIISectionA/Title3TREASURER
IRS990/Form990PartVIISectionA/Title4SECRETARY
IRS990/Form990PartVIISectionA/Title5VICE CHAIR
IRS990/Form990PartVIISectionA/Title6BOARD MEMBER
IRS990/Form990ProvidedToGoverningBody0true
IRS990/FormersListed0false
IRS990/FSAudited0false
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IRS990/Gaming0false
IRS990/GrantsAndSimilarAmntsCY00
IRS990/GrantsToIndividuals0false
IRS990/GrantsToOrganizations0false
IRS990/GrantToRelatedPerson0false
IRS990/GrossReceipts0213693
IRS990/GroupReturnForAffiliates0false
IRS990/Hospital0false
IRS990/IndependentAuditFinancialStmt0false
IRS990/IndoorTanningServices0false
IRS990/InfoInScheduleOPartVI0X
IRS990/InformationTechnology/Total043553
IRS990/Insurance/Total023183
IRS990/Interest/Total08
IRS990/InvestmentIncomeCurrentYear00
IRS990/InvestmentInJointVenture0false
IRS990/LandBldgEquipmentAccumDeprec096987
IRS990/LandBuildingsEquipmentBasis0115230
IRS990/LandBuildingsEquipmentBasisNet/BOY037281
IRS990/LandBuildingsEquipmentBasisNet/EOY018243
IRS990/LoanToOfficerOrDQP0false
IRS990/LocalChapters0false
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IRS990/MembersOrStockholders0true
IRS990/MethodOfAccountingAccrual0X
IRS990/MinutesOfCommittees0true
IRS990/MinutesOfGoverningBody0true
IRS990/MissionDescription0CREDIT UNION SERVICES
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IRS990/MoreThan5000KToOrganizations0false
IRS990/NbrIndependentVotingMembers07
IRS990/NbrVotingGoverningBodyMembers07
IRS990/NbrVotingMembersGoverningBody07
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IRS990/NetAssetsOrFundBalancesEOY01091588
IRS990/NonDeductibleContributions0false
IRS990/NumberFormsTransmittedWith10960224
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IRS990/NumberW2GIncluded00
IRS990/OfficeExpenses/Total033380
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IRS990/OfficerMailingAddress0false
IRS990/Organization501c0X
IRS990/OtherAssetsTotal/BOY064787
IRS990/OtherAssetsTotal/EOY074686
IRS990/OtherEmployeeBenefits/Total08321
IRS990/OtherExpensePriorYear0164184
IRS990/OtherExpensesCurrentYear0148355
IRS990/OtherExpenses/Description0PROVISION FOR LOAN LOSS
IRS990/OtherExpenses/Description1LOAN SERVICE EXPENSES
IRS990/OtherExpenses/Description2ASSOCIATION DUES
IRS990/OtherExpenses/Description3CASH OVER/SHORT
IRS990/OtherExpenses/Total012087
IRS990/OtherExpenses/Total15766
IRS990/OtherExpenses/Total24644
IRS990/OtherExpenses/Total367
IRS990/OtherLiabilities/BOY04948185
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IRS990/OtherNotesLoansReceivableNet/BOY01507082
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IRS990/OtherRevenueCurrentYear00
IRS990/OtherSalariesAndWages/Total093118
IRS990/OtherWebsite0X
IRS990/PaidInCapSrplsLandBldgEqpFund/BOY0177803
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IRS990/PartialLiquidation0false
IRS990/PayrollTaxes/Total08800
IRS990/PoliticalActivities0false
IRS990/PrepaidExpensesDeferredCharges/BOY010304
IRS990/PrepaidExpensesDeferredCharges/EOY021837
IRS990/ProfessionalFundraising0false
IRS990/ProgramServiceRevenueCY0213693
IRS990/ProgramServiceRevenue/Description0PROGRAM SERVICE REVENUE
IRS990/ProgramServiceRevenuePriorYear0260143
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IRS990/ProgramServiceRevenue/TotalRevenueColumn0213693
IRS990/ProhibitedTaxShelterTrans0false
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IRS990/RetainedEarningsEndowmentEtc/BOY0978864
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IRS990ScheduleD/Equipment/BookValue018243
IRS990ScheduleD/Equipment/Depreciation096987
IRS990ScheduleD/Equipment/OtherCostOrOtherBasis0115230
IRS990ScheduleD/IncludedOnFS0false
IRS990ScheduleD/OtherLiabilities/Amount05164401
IRS990ScheduleD/OtherLiabilities/Description0MEMBERS' SHARES
IRS990ScheduleD/Sect170hRequirementsSatisfied0false
IRS990ScheduleD/SolicitedAssetsForSale0false
IRS990ScheduleD/TotalOfAmounts05164401
IRS990ScheduleD/TotalOfBookValueLandBuildings018243
IRS990ScheduleD/WrittenPolicyMonitoring0false
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IRS990ScheduleO/GeneralExplanation/Explanation0THIS ORGANIZATION HAS MEMBERS.
IRS990ScheduleO/GeneralExplanation/Explanation1THE MEMBERS ELECT THE BOARD OF DIRECTORS.
IRS990ScheduleO/GeneralExplanation/Explanation2MAJOR DECISIONS ARE PUT TO A VOTE BY THE MEMBERSHIP THROUGH THE USE OF SPECIAL MEETINGS OR AT THE ANNUAL MEETING.
IRS990ScheduleO/GeneralExplanation/Explanation3A COPY OF THE 990 IS EMAILED TO CERTAIN BOARD MEMBERS FOR THEIR REVIEW.
IRS990ScheduleO/GeneralExplanation/Explanation4INFORMAL POLICY OF SELF REPORTING.
IRS990ScheduleO/GeneralExplanation/Explanation5MARKET DATA FOR COMPARABLE POSITIONS IS USED ALONG WITH OTHER RESEARCH INFORMATION FROM TRADE ASSOCIATIONS TO DETERMINE COMPENSATION.
IRS990ScheduleO/GeneralExplanation/Explanation6GOVERNING DOCUMENTS ARE PROVIDED TO MEMBERS UPON REQUEST. FINANCIAL STATEMENTS ARE PUBLISHED IN AN ANNUAL REPORT TO MEMBERS AND DISPLAYED IN THE CREDIT UNION OFFICES.
IRS990ScheduleO/GeneralExplanation/Identifier0CLASSES OF MEMBERS OR STOCKHOLDERS
IRS990ScheduleO/GeneralExplanation/Identifier1ELECTION OF MEMBERS AND THEIR RIGHTS
IRS990ScheduleO/GeneralExplanation/Identifier2DECISIONS SUBJECT TO APPROVAL OF MEMBERS
IRS990ScheduleO/GeneralExplanation/Identifier3ORGANIZATION'S PROCESS USED TO REVIEW FORM 990
IRS990ScheduleO/GeneralExplanation/Identifier4ENFORCEMENT OF CONFLICTS POLICY
IRS990ScheduleO/GeneralExplanation/Identifier5COMPENSATION PROCESS FOR TOP OFFICIAL
IRS990ScheduleO/GeneralExplanation/Identifier6GOVERNING DOCUMENTS DISCLOSURE EXPLANATION
IRS990ScheduleO/GeneralExplanation/ReturnReference0FORM 990, PAGE 6, PART VI, LINE 6
IRS990ScheduleO/GeneralExplanation/ReturnReference1FORM 990, PAGE 6, PART VI, LINE 7A
IRS990ScheduleO/GeneralExplanation/ReturnReference2FORM 990, PAGE 6, PART VI, LINE 7B
IRS990ScheduleO/GeneralExplanation/ReturnReference3FORM 990, PAGE 6, PART VI, LINE 11B
IRS990ScheduleO/GeneralExplanation/ReturnReference4FORM 990, PAGE 6, PART VI, LINE 12C
IRS990ScheduleO/GeneralExplanation/ReturnReference5FORM 990, PAGE 6, PART VI, LINE 15A
IRS990ScheduleO/GeneralExplanation/ReturnReference6FORM 990, PAGE 6, PART VI, LINE 19
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IRS990/TheBooksAreInCareOf/AddressUS/ZIPCode040223
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IRS990/TheBooksAreInCareOf/TelephoneNumber05028893100
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IRS990/TotalAssetsEOY06265855
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IRS990/TotalExpensesCurrentYear0278772
IRS990/TotalExpensesPriorYear0310831
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IRS990/TotalGrossUBI00
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IRS990/TotalLiabilitiesEOY05174267
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IRS990/TotalNbrVolunteers012
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IRS990/TotalProfFundrsngExpCY00
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IRS990/TotalRevenuePriorYear0260143
IRS990/TotalRevenue/RelatedOrExemptFunctionIncome0213693
IRS990/TotalRevenue/TotalRevenueColumn0213693
IRS990/TransactionRelatedEntity0false
IRS990/TypeOfOrganizationCorporation0X
IRS990/UnrelatedBusinessIncome0false
IRS990/UponRequest0X
IRS990/WebSite0WWW.BCBSCUKY.COM
IRS990/WhistleblowerPolicy0false
IRS990/YearFormation01952
ReturnHeader/BuildTS02016-02-24 21:20:13Z
ReturnHeader/Filer/EIN0610650808
ReturnHeader/Filer/Name/BusinessNameLine10BCBS CREDIT UNION
ReturnHeader/Filer/NameControl0BCBS
ReturnHeader/Filer/Phone05028893100
ReturnHeader/Filer/USAddress/AddressLine1013550 TRITON PARK BLVD
ReturnHeader/Filer/USAddress/City0LOUISVILLE
ReturnHeader/Filer/USAddress/State0KY
ReturnHeader/Filer/USAddress/ZIPCode040223
ReturnHeader/Officer/AuthorizeThirdParty0true
ReturnHeader/Officer/DateSigned02012-05-03
ReturnHeader/Officer/Name0DEBBIE RILEY
ReturnHeader/Officer/Phone05028893100
ReturnHeader/Officer/Title0PRESIDENT
ReturnHeader/Preparer/DatePrepared02012-05-03
ReturnHeader/PreparerFirm/PreparerFirmBusinessName/BusinessNameLine10KENNETH KLING CPA PSC
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/AddressLine10325 CHELSEA RD
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/City0LOUISVILLE
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/State0KY
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/ZIPCode040207
ReturnHeader/Preparer/Name0KENNETH KLING
ReturnHeader/Preparer/Phone05022878455
ReturnHeader/ReturnType0990
ReturnHeader/TaxPeriodBeginDate02011-01-01
ReturnHeader/TaxPeriodEndDate02011-12-31
ReturnHeader/TaxYear02011
ReturnHeader/Timestamp02012-05-03T11:31:16-05:00

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2011 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$6,265,855
Liabilities
$5,174,267
Net assets
$1,091,588
Revenue
-
Expenses
$278,772
Net income
-
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$6.43$5.36$1.07$0.23
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$6.27$5.17$1.09$0.28
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$6.11$4.96$1.16$0.31