Civic Intelligence

Baptist Credit Union

990 • Fiscal year 2012 • EIN 74-1300807

Jan 01, 2012 to Dec 31, 2012 • Filed on Apr 19, 2013

Organization ProfileWWW.BAPTISTCU.ORG

View Organization Page

5815 Ih-10 West78201-2800
Siviq Scores

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

Liabilities / Assets

66th percentile

0.89x

Higher debt load relative to assets than 66% of similar nonprofits.

2012 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2012

Liabilities / Revenue

Score unavailable

No value available

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

Source year 2012

Net Margin

Score unavailable

No value available

Net margin requires both revenue and expenses on this filing.

Source year 2012

Top Officer Pay

Score unavailable

No value available

This filing does not contain officer compensation rows.

Source year 2012

Asset Growth

32nd percentile

1.9%

Faster asset growth than 32% of similar nonprofits.

2012 filings • 501(c)14 • $25M-$50M nonprofits • Annualized from 2011 to 2012

Revenue Growth

Score unavailable

No value available

No valid filing value is available for this score.

Balance Sheet
Liabilities / Assets66th percentile

Assets

Up

$28,607,500

Up $523,003 (+1.9%) from 2011

Net Assets

Up

$3,006,221

Up $107,534 (+3.7%) from 2011

Liabilities

Up

$25,601,279

Up $415,469 (+1.6%) from 2011

Revenue And Expenses
Liabilities / RevenueScore unavailableNet MarginScore unavailable

Revenue

-

No earlier filing loaded for comparison.

Expenses

Down

$2,611,116

Down $151,591 (-5.5%) from 2011

Net Income

-

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth32nd percentile

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

$60M$40M$20M$0Assets 2010: $27,918,139Liabilities 2010: $24,913,140Net Assets 2010: $3,004,9992010Assets 2011: $28,084,497Liabilities 2011: $25,185,810Net Assets 2011: $2,898,6872011Assets 2012: $28,607,500Liabilities 2012: $25,601,279Net Assets 2012: $3,006,2212012Assets 2013: $31,098,770Liabilities 2013: $27,923,334Net Assets 2013: $3,175,4362013Assets 2014: $32,155,305Liabilities 2014: $28,986,427Net Assets 2014: $3,168,8782014Assets 2015: $32,537,391Liabilities 2015: $29,376,440Net Assets 2015: $3,160,9512015Assets 2016: $35,228,413Liabilities 2016: $32,158,366Net Assets 2016: $3,070,0472016Assets 2017: $34,126,413Liabilities 2017: $31,114,626Net Assets 2017: $3,011,7872017Assets 2018: $34,314,331Liabilities 2018: $31,229,552Net Assets 2018: $3,084,7792018Assets 2019: $37,798,085Liabilities 2019: $34,631,034Net Assets 2019: $3,167,0512019Assets 2020: $44,117,363Liabilities 2020: $40,872,620Net Assets 2020: $3,244,7432020Assets 2021: $47,813,661Liabilities 2021: $44,347,424Net Assets 2021: $3,466,2372021Assets 2022: $49,159,061Liabilities 2022: $45,494,645Net Assets 2022: $3,664,4162022Assets 2023: $48,818,218Liabilities 2023: $44,858,118Net Assets 2023: $3,960,1002023Assets 2024: $52,488,924Liabilities 2024: $48,313,747Net Assets 2024: $4,175,1772024

Highlighted filing

2012

Assets$28,607,500
Liabilities$25,601,279
Net Assets$3,006,221
Open 2012 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$4.0M$3.0M$2.0M$1.0M$0-$1.0MExpenses 2010: $2,868,2202010Expenses 2011: $2,762,7072011Expenses 2012: $2,611,1162012Revenue 2013: $2,707,385Expenses 2013: $2,538,170Net Income 2013: $169,2152013Revenue 2014: $2,637,792Expenses 2014: $2,644,350Net Income 2014: -$6,5582014Revenue 2015: $2,529,234Expenses 2015: $2,537,161Net Income 2015: -$7,9272015Revenue 2016: $2,453,794Expenses 2016: $2,544,698Net Income 2016: -$90,9042016Revenue 2017: $2,499,262Expenses 2017: $2,557,522Net Income 2017: -$58,2602017Revenue 2018: $2,523,947Expenses 2018: $2,450,955Net Income 2018: $72,9922018Revenue 2019: $2,671,875Expenses 2019: $2,589,603Net Income 2019: $82,2722019Revenue 2020: $2,642,296Expenses 2020: $2,564,604Net Income 2020: $77,6922020Revenue 2021: $2,637,130Expenses 2021: $2,415,636Net Income 2021: $221,4942021Revenue 2022: $2,937,381Expenses 2022: $2,739,202Net Income 2022: $198,1792022Revenue 2023: $3,249,535Expenses 2023: $3,074,569Net Income 2023: $174,9662023Revenue 2024: $3,624,487Expenses 2024: $3,454,358Net Income 2024: $170,1292024

Highlighted filing

2012

Revenue-
Expenses$2,611,116
Net Income-
Open 2012 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2012 to Dec 31, 2012
Signed
Apr 19, 2013
Return Version
2012v2.1
Gross Receipts
$2,718,650
Mission and Program Overview

Mission

Baptist credit union exists to improve member's lives through extraordinary service, quality financial products and services, personal finance education, and a long-term relationship with the credit union.

Filing and Contact Details

Filer

EIN
74-1300807
Raw XML Appendix400 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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IRS990ScheduleO/GeneralExplanation/Explanation0BAPTIST IS A STATE CHARTERED CREDIT UNION COMPRISED OF OWNER/MEMBERS. THESE MEMBERS HOLD ANNUAL MEETINGS AT WHICH TIME THE MEMBERS PRESENT ELECT OPEN POSITIONS FOR BOARD OF DIRECTORS
IRS990ScheduleO/GeneralExplanation/Explanation1CREDIT UNION MEMBERS ARE ELIGIBLE FOR MEMBERSHIP IN THE CREDIT UNION IF THEY ARE WITHIN THE FIELD OF MEMBERSHIP AND PAY THE MINIMUM SHARE DEPOSIT AS AUTHORIZED BY THE BOARD OF DIRECTORS. AT EACH ANNUAL MEETING, THEY ELECT OPEN POSITIONS FROM THE MEMBERSHIP FOR THE BOARD OF DIRECTORS.
IRS990ScheduleO/GeneralExplanation/Explanation2A COPY OF FORM 990 IS PROVIDED TO EACH BOARD MEMBER FOR REVIEW. AFTER REVIEW, THE FORM IS APPROVED FOR REMITTANCE TO THE IRS.
IRS990ScheduleO/GeneralExplanation/Explanation3ALL BOARD OF DIRECTORS AND KEY EMPLOYEES ARE REQUIRED TO FILE AN ANNUAL CONFLICT OF INTEREST DISCLOSURE STATEMENT. THE CREDIT UNION MONITORS THESE STATEMENTS TO DETERMINE ANY OUTSIDE ENTITY ACTIVITY AND THE NATURE OF SUCH INTEREST.
IRS990ScheduleO/GeneralExplanation/Explanation4BOARD OF DIRECTORS REVIEW THE COMPENSATION PAID TO THEIR KEY EMPLOYEES ON AN ANNUAL BASIS AND COMPARES COMPENSATION LEVELS AGAINST INDUSTRY STANDARDS, CREDIT UNION SIZE, AND SERVICES. ALL DELIBERATIONS ARE FORMALLY RECORDED IN APPROPRIATE OFFICIAL MINUTES.
IRS990ScheduleO/GeneralExplanation/Explanation5CREDIT UNION POSTS ITS FINANCIAL STATEMENTS IN THE CREDIT UNION LOBBY FOR ALL MEMBERS TO REVIEW. THE GOVERNANCE DOCUMENTS AND CONFLICTS OF INTEREST STATEMENTS ARE AVAILABLE IN THE CREDIT UNION OFFICE FOR REVIEW UPON REQUEST.
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IRS990ScheduleO/GeneralExplanation/Identifier3ENFORCEMENT OF CONFLICTS POLICY
IRS990ScheduleO/GeneralExplanation/Identifier4COMPENSATION PROCESS FOR OFFICERS
IRS990ScheduleO/GeneralExplanation/Identifier5GOVERNING DOCUMENTS DISCLOSURE EXPLANATION
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IRS990/TotalProfFundrsngExpCY00
IRS990/TotalProgramServiceExpense02611116
IRS990/TotalProgramServiceRevenue02510195
IRS990/TotalReportableCompFromOrg0108863
IRS990/TotalRevenueCurrentYear02718650
IRS990/TotalRevenuePriorYear02656395
IRS990/TotalRevenue/RelatedOrExemptFunctionIncome02539008
IRS990/TotalRevenue/TotalRevenueColumn02718650
IRS990/TotalRevenue/UnrelatedBusinessRevenue0179642
IRS990/TypeOfOrganizationCorporation0X
IRS990/UnrelatedBusinessIncome0true
IRS990/UponRequest0X
IRS990/WebSite0WWW.BAPTISTCU.ORG
IRS990/WhistleblowerPolicy0true
IRS990/YearFormation01955
ReturnHeader/BuildTS02016-03-07 17:11:31Z
ReturnHeader/Filer/EIN0741300807
ReturnHeader/Filer/Name/BusinessNameLine10BAPTIST CREDIT UNION
ReturnHeader/Filer/NameControl0BAPT
ReturnHeader/Filer/Phone02105250100
ReturnHeader/Filer/USAddress/AddressLine105815 IH-10 WEST
ReturnHeader/Filer/USAddress/City0SAN ANTONIO
ReturnHeader/Filer/USAddress/State0TX
ReturnHeader/Filer/USAddress/ZIPCode0782012800
ReturnHeader/Officer/AuthorizeThirdParty0true
ReturnHeader/Officer/DateSigned02013-04-19
ReturnHeader/Officer/Name0NICK HOLGUIN
ReturnHeader/Officer/Phone02105250100
ReturnHeader/Officer/Title0CEO
ReturnHeader/Preparer/DatePrepared02013-04-19
ReturnHeader/PreparerFirm/PreparerFirmBusinessName/BusinessNameLine10LEMA & ASSOCIATES
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/AddressLine10610 E MARKET ST STE 2906
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/City0SAN ANTONIO
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/State0TX
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/ZIPCode078205
ReturnHeader/Preparer/Name0ANGEL R LEMA CPA
ReturnHeader/Preparer/Phone02102124822
ReturnHeader/Preparer/SelfEmployed0X
ReturnHeader/ReturnType0990
ReturnHeader/TaxPeriodBeginDate02012-01-01
ReturnHeader/TaxPeriodEndDate02012-12-31
ReturnHeader/TaxYear02012
ReturnHeader/Timestamp02013-04-19T13:15:04-05:00

Document Assets

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Filings

Displayed year

2012 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$28,607,500
Liabilities
$25,601,279
Net assets
$3,006,221
Revenue
-
Expenses
$2,611,116
Net income
-
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$52.5$48.3$4.18$3.62$3.45$0.17
2023Detailed filing. Detailed filing data is available for this year.$48.8$44.9$3.96$3.25$3.07$0.17
2022Detailed filing. Detailed filing data is available for this year.$49.2$45.5$3.66$2.94$2.74$0.20
2021Detailed filing. Detailed filing data is available for this year.$47.8$44.3$3.47$2.64$2.42$0.22
2020Detailed filing. Detailed filing data is available for this year.$44.1$40.9$3.24$2.64$2.56$0.08
2019Detailed filing. Detailed filing data is available for this year.$37.8$34.6$3.17$2.67$2.59$0.08
2018Detailed filing. Detailed filing data is available for this year.$34.3$31.2$3.08$2.52$2.45$0.07
2017Detailed filing. Detailed filing data is available for this year.$34.1$31.1$3.01$2.50$2.56$0.06
2016Detailed filing. Detailed filing data is available for this year.$35.2$32.2$3.07$2.45$2.54$0.09
2015Detailed filing. Detailed filing data is available for this year.$32.5$29.4$3.16$2.53$2.54$0.01
2014Detailed filing. Detailed filing data is available for this year.$32.2$29.0$3.17$2.64$2.64$0.01
2013Detailed filing. Detailed filing data is available for this year.$31.1$27.9$3.18$2.71$2.54$0.17
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$28.6$25.6$3.01$2.61
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$28.1$25.2$2.90$2.76
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$27.9$24.9$3.00$2.87