Civic Intelligence

Brazos Star Credit Union

990 • Fiscal year 2017 • EIN 74-1465415

Jan 01, 2017 to Dec 31, 2017 • Filed on May 07, 2018

Organization Profilewww.fedstarcu.com
701 Harvey RoadCollege Station, TX 77840

(979) 846-7456

Siviq Scores

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

Liabilities / Assets

61st percentile

0.89x

Higher debt load relative to assets than 61% of similar nonprofits.

2017 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2017

Liabilities / Revenue

82nd percentile

25.50x

Higher debt load relative to revenue than 82% of similar nonprofits.

2017 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2017

Net Margin

10th percentile

-1.1%

Higher net margin than 10% of similar nonprofits.

2017 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2017

Top Officer Pay

43rd percentile

$93,921

Higher top officer pay than 43% of similar nonprofits.

Top officer pay equals 10.3% of source-year revenue.

2017 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2017

Asset Growth

63rd percentile

3.5%

Faster asset growth than 63% of similar nonprofits.

2017 filings • 501(c)14 • $25M-$50M nonprofits • Annualized from 2016 to 2017

Revenue Growth

7th percentile

-4.0%

Faster revenue growth than 7% of similar nonprofits.

2017 filings • 501(c)14 • $25M-$50M nonprofits • Annualized from 2016 to 2017

Balance Sheet
Liabilities / Assets61st percentile

Assets

Up

$26,229,764

Up $878,625 (+3.5%) from 2016

Net Assets

Down

$2,945,711

Down $10,172 (-0.3%) from 2016

Liabilities

Up

$23,284,053

Up $888,797 (+4.0%) from 2016

Revenue And Expenses
Liabilities / Revenue82nd percentileNet Margin10th percentile

Revenue

Down

$913,033

Down $37,671 (-4.0%) from 2016

Expenses

Up

$923,205

Up $126,780 (+16%) from 2016

Net Income

Down

-$10,172

Down $164,451 (-107%) from 2016

Historical Trend

Balance Sheet Trend

Asset Growth63rd percentile

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

$40M$30M$20M$10M$0Assets 2010: $18,317,803Liabilities 2010: $16,108,388Net Assets 2010: $2,209,4152010Assets 2011: $20,502,369Liabilities 2011: $18,164,696Net Assets 2011: $2,337,6732011Assets 2012: $23,610,231Liabilities 2012: $21,164,802Net Assets 2012: $2,445,4292012Assets 2013: $24,883,294Liabilities 2013: $22,391,669Net Assets 2013: $2,491,6252013Assets 2014: $25,286,495Liabilities 2014: $22,690,597Net Assets 2014: $2,595,8982014Assets 2015: $26,962,135Liabilities 2015: $24,160,531Net Assets 2015: $2,801,6042015Assets 2016: $25,351,139Liabilities 2016: $22,395,256Net Assets 2016: $2,955,8832016Assets 2017: $26,229,764Liabilities 2017: $23,284,053Net Assets 2017: $2,945,7112017Assets 2018: $25,827,044Liabilities 2018: $22,695,039Net Assets 2018: $3,132,0052018Assets 2019: $27,746,378Liabilities 2019: $24,247,011Net Assets 2019: $3,499,3672019Assets 2020: $30,204,972Liabilities 2020: $26,432,079Net Assets 2020: $3,772,8932020Assets 2021: $33,146,750Liabilities 2021: $29,098,044Net Assets 2021: $4,048,7062021Assets 2022: $34,065,082Liabilities 2022: $29,678,357Net Assets 2022: $4,386,7252022Assets 2023: $33,794,454Liabilities 2023: $29,189,407Net Assets 2023: $4,605,0472023Assets 2024: $34,501,355Liabilities 2024: $29,651,908Net Assets 2024: $4,849,4472024

Highlighted filing

2017

Assets$26,229,764
Liabilities$23,284,053
Net Assets$2,945,711
Open 2017 Filing

Operations Trend

Revenue Growth7th percentile

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

$1.5M$1.0M$500K$0-$500KExpenses 2010: $937,5612010Expenses 2011: $752,9852011Revenue 2012: $846,547Expenses 2012: $738,791Net Income 2012: $107,7562012Revenue 2013: $741,477Expenses 2013: $695,281Net Income 2013: $46,1962013Revenue 2014: $725,163Expenses 2014: $620,890Net Income 2014: $104,2732014Revenue 2015: $860,437Expenses 2015: $654,731Net Income 2015: $205,7062015Revenue 2016: $950,704Expenses 2016: $796,425Net Income 2016: $154,2792016Revenue 2017: $913,033Expenses 2017: $923,205Net Income 2017: -$10,1722017Revenue 2018: $971,952Expenses 2018: $785,658Net Income 2018: $186,2942018Revenue 2019: $1,060,008Expenses 2019: $692,646Net Income 2019: $367,3622019Revenue 2020: $1,050,347Expenses 2020: $774,801Net Income 2020: $275,5462020Revenue 2021: $984,136Expenses 2021: $708,323Net Income 2021: $275,8132021Revenue 2022: $1,125,854Expenses 2022: $787,835Net Income 2022: $338,0192022Revenue 2023: $1,140,474Expenses 2023: $922,152Net Income 2023: $218,3222023Revenue 2024: $1,420,643Expenses 2024: $1,176,243Net Income 2024: $244,4002024

Highlighted filing

2017

Revenue$913,033
Expenses$923,205
Net Income-$10,172
Open 2017 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2017 to Dec 31, 2017
Signed
May 7, 2018
Return Version
2017v2.2
Gross Receipts
$931,648
Mission and Program Overview

Mission

Credit Union serving the cooperative financial needs of consumers in our community.

Balance Sheet Detail
LineBeginningEndChange
Assets
Investments Other Securities$10,862,947$12,625,404▲ $1,762,457
Other Notes and Loans Receivable, Net$12,904,046$12,110,288▼ $793,758
Rtn Earn Endowment Incm Other Fnds$2,955,883$2,945,711▼ $10,172
Land, Buildings, and Equipment, Net$935,870$921,038▼ $14,832
Cash and Non-Interest-Bearing Accounts$181,484$222,448▲ $40,964
Savings and Temporary Cash Investments$58,000$58,000→ $0
Accounts Receivable-$0-
Pledges and Grants Receivable-$0-
Receivable From Disqualified Prsn-$0-
Receivables From Officers Etc-$0-
Investments Program Related-$0-
Investments in Publicly Traded Securities-$0-
Intangible Assets-$0-
Inventories for Sale or Use-$0-
Prepaid Expenses and Deferred Charges-$0-
Total Assets$25,351,139$26,229,764▲ $878,625
Other Assets Total$408,792$292,586▼ $116,206
Liabilities
Other Liabilities$21,679,606$23,217,139▲ $1,537,533
Accounts Payable and Accrued Expenses$715,650$66,914▼ $648,736
Total Liabilities$22,395,256$23,284,053▲ $888,797
Net Assets / Fund Balance
Total Net Assets Fund Balance$2,955,883$2,945,711▼ $10,172
Total Liabilities and Net Assets / Fund Balance$25,351,139$26,229,764▲ $878,625

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$537,162$94,464$631,626
Land$383,080-$383,080
Equipment$796$250,400$251,196
Compensation and Service Providers
Top Officer Pay43rd percentile

Employees

NameTitleFull / Part TimeBaseTotal
Mary Beth BorroniPresident/CEOFT$93,921$93,921

Board Members and Trustees

NameTitle
Pat BuckChairwoman
Fred Binghamvice chair
Ted Peabodyboard member
Jubal HancockAsst Secy
Juan M GarciaAsst Treas
Nancy GranovskySecretary
Ron WeimanTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$762,603
Investment Income
$153,523
Other Revenue
$-3,093
Change in Net Assets
$-10,172
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$647,452
Salaries, Compensation, and Employee Benefits$275,753
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$157,652
Office Expenses---$102,385
Fees for Services Other---$99,916
Current Officers, Directors, Trustees, and Key Employees---$93,921
Occupancy---$61,499
Advertising---$37,750
Interest---$37,589
Other Employee Benefits---$24,180
All Other Expenses---$21,812
Other Expenses---$10,808
Travel---$7,782
Total Functional Expenses$0$0$0$923,205
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
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Disqualified Persons-$0-
Receivables from Officers, Directors, Trustees, and Key Employees-$0-
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member accounts$23,217,139
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
No
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
No
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Line 6: Explanation of Classes of Members or Shareholder

“Members are account holders at the credit union.”

Form 990, Part VI, Line 11B: Form 990 Review Process

“A copy of the 990 was provided to each member of the governing body for review.”

Form 990, Part VI, Line 12C: Explanation of Monitoring and Enforcement of Conflicts

“Board members are reminded periodically to disclose possible conflicts.”

Form 990, Part VI, Line 15A: Compensation Review & Approval Process - CEO, Top Management

“Board reviews executive compensation at least annually.”

Form 990, Part VI, Line 15B: Compensation Review and Approval Process for Officers and Key Employees

“Board reviews key employee compensation at least annually.”

Form 990, Part VI, Line 19: Other Organization Documents Publicly Available

“Governing documents and information returns are available upon request.”

Filing and Contact Details

Filer

Filer Name
Fedstar Credit Union
EIN
74-1465415
Phone
9798467456
Address
701 Harvey Road, College Station, TX 77840

Signing Officer

Name
Mary Beth Borroni
Title
CEO
Signed
2018-05-07
Discuss with paid preparer
Yes

Organization Details

Formed
1961
Legal Domicile
TX
Voting Board Members
6
Independent Board Members
6
Employees
9

Preparer

Firm
Thompson Derrig & Craig PC
Address
1598 Copperfield Pkwy, College Station, TX 77845-4674
Preparer
Jacquelyn Kuciemba CPA
Phone
9792609696
Raw XML Appendix381 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/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt187119
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt2499788
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt0175696
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt187119
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt2499788
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYInvestmentIncomeAmt0154062
IRS990/PymtTravelEntrtnmntPubOfclGrp/TotalAmt00
IRS990/PYOtherExpensesAmt0527959
IRS990/PYOtherRevenueAmt01773
IRS990/PYProgramServiceRevenueAmt0794869
IRS990/PYRevenuesLessExpensesAmt0154279
IRS990/PYSalariesCompEmpBnftPaidAmt0268466
IRS990/PYTotalExpensesAmt0796425
IRS990/PYTotalRevenueAmt0950704
IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt00
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt00
IRS990/ReconcilationRevenueExpnssAmt0-10172
IRS990/RegularMonitoringEnfrcInd0false
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0true
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RoyaltiesGrp/TotalAmt00
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt02955883
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt02945711
IRS990/SavingsAndTempCashInvstGrp/BOYAmt058000
IRS990/SavingsAndTempCashInvstGrp/EOYAmt058000
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/BuildingsGrp/BookValueAmt0537162
IRS990ScheduleD/BuildingsGrp/DepreciationAmt094464
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt0631626
IRS990ScheduleD/EquipmentGrp/BookValueAmt0796
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0250400
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt0251196
IRS990ScheduleD/LandGrp/BookValueAmt0383080
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0383080
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt023217139
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0Member accounts
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0921038
IRS990ScheduleD/TotalBookValueSecuritiesAmt012625404
IRS990ScheduleD/TotalLiabilityAmt023217139
IRS990/ScheduleJRequiredInd0false
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0Members are account holders at the credit union.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1A copy of the 990 was provided to each member of the governing body for review.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2Board members are reminded periodically to disclose possible conflicts.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3Board reviews executive compensation at least annually.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4Board reviews key employee compensation at least annually.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5Governing documents and information returns are available upon request.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990, Part VI, Line 6: Explanation of Classes of Members or Shareholder
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990, Part VI, Line 11b: Form 990 Review Process
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990, Part VI, Line 12c: Explanation of Monitoring and Enforcement of Conflicts
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990, Part VI, Line 15a: Compensation Review & Approval Process - CEO, Top Management
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Form 990, Part VI, Line 15b: Compensation Review and Approval Process for Officers and Key Employees
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Form 990, Part VI, Line 19: Other Organization Documents Publicly Available
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/TaxableDistributionsInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt025351139
IRS990/TotalAssetsEOYAmt026229764
IRS990/TotalAssetsGrp/BOYAmt025351139
IRS990/TotalAssetsGrp/EOYAmt026229764
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalContributionsAmt00
IRS990/TotalEmployeeCnt09
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt0923205
IRS990/TotalGrossUBIAmt0-3093
IRS990/TotalLiabilitiesBOYAmt022395256
IRS990/TotalLiabilitiesEOYAmt023284053
IRS990/TotalLiabilitiesGrp/BOYAmt022395256
IRS990/TotalLiabilitiesGrp/EOYAmt023284053
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt02955883
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt02945711
IRS990/TotalProgramServiceRevenueAmt0762603
IRS990/TotalReportableCompFromOrgAmt093921
IRS990/TotalRevenueGrp/ExclusionAmt0153523
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0762603
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0913033
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt0-3093
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt025351139
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt026229764
IRS990/TravelGrp/TotalAmt07782
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/VotingMembersGoverningBodyCnt06
IRS990/VotingMembersIndependentCnt06
IRS990/WebsiteAddressTxt0www.fedstarcu.com
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02018-06-14 16:35:46Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0Mary Beth Borroni
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0CEO
ReturnHeader/BusinessOfficerGrp/SignatureDt02018-05-07
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0Fedstar Credit Union
ReturnHeader/Filer/BusinessNameControlTxt0FEDS
ReturnHeader/Filer/EIN0741465415
ReturnHeader/Filer/PhoneNum09798467456
ReturnHeader/Filer/USAddress/AddressLine1Txt0701 Harvey Road
ReturnHeader/Filer/USAddress/CityNm0College Station
ReturnHeader/Filer/USAddress/StateAbbreviationCd0TX
ReturnHeader/Filer/USAddress/ZIPCd077840
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0742581874
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0Thompson Derrig & Craig PC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt01598 Copperfield Pkwy
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0College Station
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0TX
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd0778454674
ReturnHeader/PreparerPersonGrp/PhoneNum09792609696
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0Jacquelyn Kuciemba CPA
ReturnHeader/ReturnTs02018-05-07T13:33:39-07:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02017-01-01
ReturnHeader/TaxPeriodEndDt02017-12-31
ReturnHeader/TaxYr02017

Document Assets

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Filings

Displayed year

2017 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$26,229,764
Liabilities
$23,284,053
Net assets
$2,945,711
Revenue
$913,033
Expenses
$923,205
Net income
-$10,172
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$34.5$29.7$4.85$1.42$1.18$0.24
2023Detailed filing. Detailed filing data is available for this year.$33.8$29.2$4.61$1.14$0.92$0.22
2022Detailed filing. Detailed filing data is available for this year.$34.1$29.7$4.39$1.13$0.79$0.34
2021Detailed filing. Detailed filing data is available for this year.$33.1$29.1$4.05$0.98$0.71$0.28
2020Detailed filing. Detailed filing data is available for this year.$30.2$26.4$3.77$1.05$0.77$0.28
2019Detailed filing. Detailed filing data is available for this year.$27.7$24.2$3.50$1.06$0.69$0.37
2018Detailed filing. Detailed filing data is available for this year.$25.8$22.7$3.13$0.97$0.79$0.19
2017Detailed filing. Detailed filing data is available for this year.$26.2$23.3$2.95$0.91$0.92$0.01
2016Detailed filing. Detailed filing data is available for this year.$25.4$22.4$2.96$0.95$0.80$0.15
2015Detailed filing. Detailed filing data is available for this year.$27.0$24.2$2.80$0.86$0.65$0.21
2014Detailed filing. Detailed filing data is available for this year.$25.3$22.7$2.60$0.73$0.62$0.10
2013Detailed filing. Detailed filing data is available for this year.$24.9$22.4$2.49$0.74$0.70$0.05
2012Summary only. Only limited summary data is available for this year.$23.6$21.2$2.45$0.85$0.74$0.11
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$20.5$18.2$2.34$0.75
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$18.3$16.1$2.21$0.94