Civic Intelligence

Brazos Star Credit Union

990 • Fiscal year 2021 • EIN 74-1465415

Jan 01, 2021 to Dec 31, 2021 • Filed on Jun 02, 2022

Organization Profilewww.brazosstarcu.com

View Organization Page

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

45th percentile

0.88x

Higher debt load relative to assets than 45% of similar nonprofits.

2021 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2021

Liabilities / Revenue

74th percentile

29.57x

Higher debt load relative to revenue than 74% of similar nonprofits.

2021 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2021

Net Margin

91st percentile

28%

Higher net margin than 91% of similar nonprofits.

2021 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2021

Top Officer Pay

60th percentile

$109,503

Higher top officer pay than 60% of similar nonprofits.

Top officer pay equals 11.1% of source-year revenue.

2021 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2021

Asset Growth

58th percentile

9.7%

Faster asset growth than 58% of similar nonprofits.

2021 filings • 501(c)14 • $25M-$50M nonprofits • Annualized from 2020 to 2021

Revenue Growth

31st percentile

-6.3%

Faster revenue growth than 31% of similar nonprofits.

2021 filings • 501(c)14 • $25M-$50M nonprofits • Annualized from 2020 to 2021

Balance Sheet
Liabilities / Assets45th percentile

Assets

Up

$33,146,750

Up $2,941,778 (+9.7%) from 2020

Net Assets

Up

$4,048,706

Up $275,813 (+7.3%) from 2020

Liabilities

Up

$29,098,044

Up $2,665,965 (+10%) from 2020

Revenue And Expenses
Liabilities / Revenue74th percentileNet Margin91st percentile

Revenue

Down

$984,136

Down $66,211 (-6.3%) from 2020

Expenses

Down

$708,323

Down $66,478 (-8.6%) from 2020

Net Income

Up

$275,813

Up $267 (+0.1%) from 2020

Historical Trend

Balance Sheet Trend

Asset Growth58th 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

2021

Assets$33,146,750
Liabilities$29,098,044
Net Assets$4,048,706
Open 2021 Filing

Operations Trend

Revenue Growth31st 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

2021

Revenue$984,136
Expenses$708,323
Net Income$275,813
Open 2021 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2021 to Dec 31, 2021
Signed
Jun 2, 2022
Return Version
2021v4.0
Gross Receipts
$995,231
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$17,091,794$19,753,334▲ $2,661,540
Other Notes and Loans Receivable, Net$11,456,322$11,632,690▲ $176,368
Rtn Earn Endowment Incm Other Fnds$3,772,893$4,048,706▲ $275,813
Land, Buildings, and Equipment, Net$881,677$884,838▲ $3,161
Cash and Non-Interest-Bearing Accounts$395,631$490,187▲ $94,556
Savings and Temporary Cash Investments$16,247$48,816▲ $32,569
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$30,204,972$33,146,750▲ $2,941,778
Other Assets Total$363,301$336,885▼ $26,416
Liabilities
Other Liabilities$26,285,543$28,860,069▲ $2,574,526
Accounts Payable and Accrued Expenses$146,536$237,975▲ $91,439
Total Liabilities$26,432,079$29,098,044▲ $2,665,965
Net Assets / Fund Balance
Total Net Assets Fund Balance$3,772,893$4,048,706▲ $275,813
Total Liabilities and Net Assets / Fund Balance$30,204,972$33,146,750▲ $2,941,778

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$485,743$145,883$631,626
Land$383,080-$383,080
Equipment-$251,196$251,196
Other Land Buildings$16,015-$16,015
Compensation and Service Providers
Top Officer Pay60th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Mary Beth BorroniPresident/CEOFT$109,503$109,503

Board Members and Trustees

NameTitle
Pat BuckChairman
Jubal HancockVice Chairman
Ted PeabodyAsst Treasurer
Fred Bingamanmember
Johnny StimsonMember
Linda JeffressSecretary
Ron WeimanTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$772,332
Investment Income
$208,022
Other Revenue
$3,782
Change in Net Assets
$275,813
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$401,907
Salaries, Compensation, and Employee Benefits$306,416
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$172,934
Current Officers, Directors, Trustees, and Key Employees---$109,503
Fees for Services Other---$108,048
Office Expenses---$91,878
Occupancy---$63,717
Interest---$44,487
Other Employee Benefits---$23,979
Other Expenses---$10,048
Advertising---$6,140
Conferences and Meetings---$3,056
All Other Expenses---$-22,103
Total Functional Expenses$0$0$0$708,323
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$28,837,220
other liabilities$22,849
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Backup withholding compliance
Yes
Business relationship with 35% controlled entity
No
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
Brazos Star Credit Union
EIN
74-1465415
Phone
9798467456
Address
701 Harvey Road, College Station, TX 77840

Signing Officer

Name
Mary Beth Borroni
Title
CEO
Signed
2022-06-02
Discuss with paid preparer
Yes

Organization Details

Formed
1961
Legal Domicile
TX
Voting Board Members
7
Independent Board Members
7
Employees
6

Preparer

Firm
Thompson Derrig & Craig PC
Address
1598 Copperfield Pkwy, College Station, TX 77845
Preparer
Jacquelyn Kuciemba CPA
Phone
9792609696
Raw XML Appendix384 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/PYInvestmentIncomeAmt0273162
IRS990/PymtTravelEntrtnmntPubOfclGrp/TotalAmt00
IRS990/PYOtherExpensesAmt0495246
IRS990/PYOtherRevenueAmt02957
IRS990/PYProgramServiceRevenueAmt0774228
IRS990/PYRevenuesLessExpensesAmt0275546
IRS990/PYSalariesCompEmpBnftPaidAmt0279555
IRS990/PYTotalExpensesAmt0774801
IRS990/PYTotalRevenueAmt01050347
IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt00
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt00
IRS990/ReconcilationRevenueExpnssAmt0275813
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0true
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RoyaltiesGrp/TotalAmt00
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt03772893
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt04048706
IRS990/SavingsAndTempCashInvstGrp/BOYAmt016247
IRS990/SavingsAndTempCashInvstGrp/EOYAmt048816
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/BuildingsGrp/BookValueAmt0485743
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0145883
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt0631626
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0251196
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt0251196
IRS990ScheduleD/LandGrp/BookValueAmt0383080
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0383080
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt016015
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt016015
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt028837220
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt122849
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0Member accounts
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1other liabilities
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0884838
IRS990ScheduleD/TotalBookValueSecuritiesAmt019753334
IRS990ScheduleD/TotalLiabilityAmt028860069
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/SubjectToExcsTaxNetInvstIncInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/SubjToTaxRmnrtnExPrchtPymtInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt030204972
IRS990/TotalAssetsEOYAmt033146750
IRS990/TotalAssetsGrp/BOYAmt030204972
IRS990/TotalAssetsGrp/EOYAmt033146750
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalContributionsAmt00
IRS990/TotalEmployeeCnt06
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt0708323
IRS990/TotalGrossUBIAmt03782
IRS990/TotalLiabilitiesBOYAmt026432079
IRS990/TotalLiabilitiesEOYAmt029098044
IRS990/TotalLiabilitiesGrp/BOYAmt026432079
IRS990/TotalLiabilitiesGrp/EOYAmt029098044
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt03772893
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt04048706
IRS990/TotalProgramServiceRevenueAmt0772332
IRS990/TotalReportableCompFromOrgAmt0109503
IRS990/TotalRevenueGrp/ExclusionAmt0208022
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0772332
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0984136
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt03782
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt030204972
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt033146750
IRS990/TravelGrp/TotalAmt00
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0true
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt0701 Harvey Road
IRS990/USAddress/CityNm0College Station
IRS990/USAddress/StateAbbreviationCd0TX
IRS990/USAddress/ZIPCd077840
IRS990/VotingMembersGoverningBodyCnt07
IRS990/VotingMembersIndependentCnt07
IRS990/WebsiteAddressTxt0www.brazosstarcu.com
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/AuthenticationAssuranceLevelCd0AAL1
ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/FederatedAssuranceLevelCd0FAL1
ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/IdentityAssuranceLevelCd0IAL1
ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/TrustedCustomerCd02
ReturnHeader/BuildTS02022-09-23 18:48:47Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0Mary Beth Borroni
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0CEO
ReturnHeader/BusinessOfficerGrp/SignatureDt02022-06-02
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0Brazos Star Credit Union
ReturnHeader/Filer/BusinessNameControlTxt0BRAZ
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/ZIPCd077845
ReturnHeader/PreparerPersonGrp/PhoneNum09792609696
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0Jacquelyn Kuciemba CPA
ReturnHeader/ReturnTs02022-06-02T09:26:45-07:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/SigningOfficerGrp/PersonFullName/PersonFirstNm0Mary Beth
ReturnHeader/SigningOfficerGrp/PersonFullName/PersonLastNm0Borroni
ReturnHeader/TaxPeriodBeginDt02021-01-01
ReturnHeader/TaxPeriodEndDt02021-12-31
ReturnHeader/TaxYr02021

Document Assets

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Filings

Displayed year

2021 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$33,146,750
Liabilities
$29,098,044
Net assets
$4,048,706
Revenue
$984,136
Expenses
$708,323
Net income
$275,813
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
Peer Organizations

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