Civic Intelligence

Brazos Star Credit Union

990 • Fiscal year 2023 • EIN 74-1465415

Jan 01, 2023 to Dec 31, 2023 • Filed on May 08, 2024

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

40th percentile

0.86x

Higher debt load relative to assets than 40% of similar nonprofits.

2023 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2023

Liabilities / Revenue

90th percentile

25.59x

Higher debt load relative to revenue than 90% of similar nonprofits.

2023 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2023

Net Margin

65th percentile

19%

Higher net margin than 65% of similar nonprofits.

2023 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2023

Top Officer Pay

61st percentile

$120,287

Higher top officer pay than 61% of similar nonprofits.

Top officer pay equals 10.5% of source-year revenue.

2023 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2023

Asset Growth

65th percentile

-0.8%

Faster asset growth than 65% of similar nonprofits.

2023 filings • 501(c)14 • $25M-$50M nonprofits • Annualized from 2022 to 2023

Revenue Growth

6th percentile

1.3%

Faster revenue growth than 6% of similar nonprofits.

2023 filings • 501(c)14 • $25M-$50M nonprofits • Annualized from 2022 to 2023

Balance Sheet
Liabilities / Assets40th percentile

Assets

Down

$33,794,454

Down $270,628 (-0.8%) from 2022

Net Assets

Up

$4,605,047

Up $218,322 (+5.0%) from 2022

Liabilities

Down

$29,189,407

Down $488,950 (-1.6%) from 2022

Revenue And Expenses
Liabilities / Revenue90th percentileNet Margin65th percentile

Revenue

Up

$1,140,474

Up $14,620 (+1.3%) from 2022

Expenses

Up

$922,152

Up $134,317 (+17%) from 2022

Net Income

Down

$218,322

Down $119,697 (-35%) from 2022

Historical Trend

Balance Sheet Trend

Asset Growth65th 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

2023

Assets$33,794,454
Liabilities$29,189,407
Net Assets$4,605,047
Open 2023 Filing

Operations Trend

Revenue Growth6th 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

2023

Revenue$1,140,474
Expenses$922,152
Net Income$218,322
Open 2023 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2023 to Dec 31, 2023
Signed
May 8, 2024
Return Version
2023v5.0
Gross Receipts
$1,154,714
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$19,460,600$18,908,346▼ $552,254
Other Notes and Loans Receivable, Net$12,953,372$13,233,028▲ $279,656
Rtn Earn Endowment Incm Other Fnds$4,386,725$4,605,047▲ $218,322
Land, Buildings, and Equipment, Net$870,690$860,891▼ $9,799
Cash and Non-Interest-Bearing Accounts$379,652$349,595▼ $30,057
Savings and Temporary Cash Investments$31,107$20,632▼ $10,475
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$34,065,082$33,794,454▼ $270,628
Other Assets Total$369,661$421,962▲ $52,301
Liabilities
Other Liabilities$29,355,862$29,075,673▼ $280,189
Accounts Payable and Accrued Expenses$322,495$113,734▼ $208,761
Total Liabilities$29,678,357$29,189,407▼ $488,950
Net Assets / Fund Balance
Total Net Assets Fund Balance$4,386,725$4,605,047▲ $218,322
Total Liabilities and Net Assets / Fund Balance$34,065,082$33,794,454▼ $270,628

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$461,796$169,830$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 Pay61st percentile

Employees

NameTitleFull / Part TimeBaseTotal
Mary Beth BorroniPresident/CEOFT$120,287$120,287

Board Members and Trustees

NameTitle
Jubal HancockChairman
Ted PeabodyVice Chair
Tara JacksonAsst Sec
Johnny StimsonAsst Treas
Fred Bingamanmember
Linda JeffressSecretary
Ron WeimanTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$878,325
Investment Income
$260,082
Other Revenue
$2,067
Change in Net Assets
$218,322
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$586,409
Salaries, Compensation, and Employee Benefits$335,743
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$188,976
Current Officers, Directors, Trustees, and Key Employees---$120,287
Interest---$110,629
Office Expenses---$106,908
Fees for Services Other---$92,256
Occupancy---$64,105
All Other Expenses---$29,349
Other Employee Benefits---$26,480
Other Expenses---$14,654
Advertising---$8,730
Conferences and Meetings---$5,378
Total Functional Expenses$0$0$0$922,152
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$29,051,742
other liabilities$23,931
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, Section A, Line 6

“Members are account holders at the credit union.”

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

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

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

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

Form 990, Part VI, Section B, Line 15A

“Board reviews executive compensation at least annually.”

Form 990, Part VI, Section B, Line 15B

“Board reviews key employee compensation at least annually.”

Form 990, Part VI, Section C, Line 19

“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
2024-05-08
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 Appendix386 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/PymtTravelEntrtnmntPubOfclGrp/TotalAmt00
IRS990/PYOtherExpensesAmt0471055
IRS990/PYOtherRevenueAmt04244
IRS990/PYProgramServiceRevenueAmt0899211
IRS990/PYRevenuesLessExpensesAmt0338019
IRS990/PYSalariesCompEmpBnftPaidAmt0316780
IRS990/PYTotalExpensesAmt0787835
IRS990/PYTotalRevenueAmt01125854
IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt00
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt00
IRS990/ReconcilationRevenueExpnssAmt0218322
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0true
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RoyaltiesGrp/TotalAmt00
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt04386725
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt04605047
IRS990/SavingsAndTempCashInvstGrp/BOYAmt031107
IRS990/SavingsAndTempCashInvstGrp/EOYAmt020632
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/BuildingsGrp/BookValueAmt0461796
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0169830
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt0631626
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0251196
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt0251196
IRS990ScheduleD/LandGrp/BookValueAmt0383080
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0383080
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt016015
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt016015
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt029051742
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt123931
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0Member accounts
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1other liabilities
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0860891
IRS990ScheduleD/TotalBookValueSecuritiesAmt018908346
IRS990ScheduleD/TotalLiabilityAmt029075673
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, Section A, Line 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990, Part VI, Section B, Line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990, Part VI, Section B, Line 12c
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990, Part VI, Section B, Line 15a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Form 990, Part VI, Section B, Line 15b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Form 990, Part VI, Section C, Line 19
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/SubjectToExcsTaxNetInvstIncInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/SubjToTaxRmnrtnExPrchtPymtInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt034065082
IRS990/TotalAssetsEOYAmt033794454
IRS990/TotalAssetsGrp/BOYAmt034065082
IRS990/TotalAssetsGrp/EOYAmt033794454
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalContributionsAmt00
IRS990/TotalEmployeeCnt06
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt0922152
IRS990/TotalGrossUBIAmt02067
IRS990/TotalLiabilitiesBOYAmt029678357
IRS990/TotalLiabilitiesEOYAmt029189407
IRS990/TotalLiabilitiesGrp/BOYAmt029678357
IRS990/TotalLiabilitiesGrp/EOYAmt029189407
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt04386725
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt04605047
IRS990/TotalProgramServiceRevenueAmt0878325
IRS990/TotalReportableCompFromOrgAmt0120287
IRS990/TotalRevenueGrp/ExclusionAmt0260082
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0878325
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt01140474
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt02067
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt034065082
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt033794454
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/BuildTS02023-04-26 12:10:37Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0Mary Beth Borroni
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0CEO
ReturnHeader/BusinessOfficerGrp/SignatureDt02024-05-08
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/IRSResponsiblePrtyInfoCurrInd0true
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/ReturnTs02024-05-08T12:26:41-07:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/SigningOfficerGrp/PersonFullName/PersonFirstNm0Mary Beth
ReturnHeader/SigningOfficerGrp/PersonFullName/PersonLastNm0Borroni
ReturnHeader/TaxPeriodBeginDt02023-01-01
ReturnHeader/TaxPeriodEndDt02023-12-31
ReturnHeader/TaxYr02023

Document Assets

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Filings

Displayed year

2023 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$33,794,454
Liabilities
$29,189,407
Net assets
$4,605,047
Revenue
$1,140,474
Expenses
$922,152
Net income
$218,322
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