Civic Intelligence

Bnsf Credit Union

990 • Fiscal year 2011 • EIN 75-1057754

Jan 01, 2011 to Dec 31, 2011 • Filed on May 04, 2012

1619 Pecos79102
Siviq Scores

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

Liabilities / Assets

91st percentile

0.91x

Higher debt load relative to assets than 91% 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

22nd percentile

-4.6%

Faster asset growth than 22% 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.

Assets

Down

$6,867,292

Down $334,198 (-4.6%) from 2010

Net Assets

Down

$649,707

Down $13,515 (-2.0%) from 2010

Liabilities

Down

$6,217,585

Down $320,683 (-4.9%) from 2010

Revenue

-

No earlier filing loaded for comparison.

Expenses

Down

$364,527

Down $100,173 (-22%) from 2010

Net Income

-

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

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

$8.0M$6.0M$4.0M$2.0M$0Assets 2010: $7,201,490Liabilities 2010: $6,538,268Net Assets 2010: $663,2222010Assets 2011: $6,867,292Liabilities 2011: $6,217,585Net Assets 2011: $649,7072011Assets 2012: $5,800,773Liabilities 2012: $5,188,259Net Assets 2012: $612,5142012

Highlighted filing

2011

Assets$6,867,292
Liabilities$6,217,585
Net Assets$649,707

Operations Trend

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

$600K$400K$200K$0Expenses 2010: $464,7002010Expenses 2011: $364,5272011Expenses 2012: $309,8742012

Highlighted filing

2011

Revenue-
Expenses$364,527
Net Income-
Jump To
Filing Snapshot
Filing Period
Jan 1, 2011 to Dec 31, 2011
Signed
May 4, 2012
Return Version
2011v1.2
Gross Receipts
$351,012
Mission and Program Overview

Major Activities

Activity 2
Checking: bnsf credit union offers free checking accounts for consumers as well as free debit cards.
Activity 3
Consumer loans: bnsf credit union provides loans of all types.
Filing and Contact Details

Filer

EIN
75-1057754
Raw XML Appendix365 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/AccountsPayableAccruedExpenses/BOY06538268
IRS990/AccountsPayableAccruedExpenses/EOY06217585
IRS990/ActivitiesConductedPartnership0false
IRS990/Activity2/Description0CHECKING: BNSF CREDIT UNION OFFERS FREE CHECKING ACCOUNTS FOR CONSUMERS AS WELL AS FREE DEBIT CARDS.
IRS990/Activity3/Description0CONSUMER LOANS: BNSF CREDIT UNION PROVIDES LOANS OF ALL TYPES.
IRS990/ActivityOrMissionDescription0Not For Profit Financial Credit Union incorporated under the Texas Credit Union Act, for the purpose of providing credit at fair interest rates.
IRS990/AddressPrincipalOfficerUS/AddressLine106111 PALMETTO
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IRS990/AddressPrincipalOfficerUS/State0TX
IRS990/AddressPrincipalOfficerUS/ZIPCode079106
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IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs50
IRS990/Form990PartVIISectionA/Title0President
IRS990/Form990PartVIISectionA/Title1Vice President
IRS990/Form990PartVIISectionA/Title2Treasurer
IRS990/Form990PartVIISectionA/Title3Secretary
IRS990/Form990PartVIISectionA/Title4Director
IRS990/Form990PartVIISectionA/Title5CEO
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IRS990/FormersListed0true
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IRS990/GrantsToOrganizations0false
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IRS990/GrossReceipts0351012
IRS990/GroupReturnForAffiliates0false
IRS990/Hospital0false
IRS990/IndependentAuditFinancialStmt0false
IRS990/IndoorTanningServices0false
IRS990/InfoInScheduleOPartVI0X
IRS990/InformationTechnology/Total022177
IRS990/Insurance/Total08319
IRS990/Interest/Total035549
IRS990/InvestmentIncomeCurrentYear032970
IRS990/InvestmentIncome/TotalRevenueColumn032970
IRS990/InvestmentInJointVenture0false
IRS990/InvestmentsPubTradedSecurities/BOY02868279
IRS990/InvestmentsPubTradedSecurities/EOY03256561
IRS990/LandBldgEquipmentAccumDeprec0315350
IRS990/LandBuildingsEquipmentBasis0534611
IRS990/LandBuildingsEquipmentBasisNet/BOY0232516
IRS990/LandBuildingsEquipmentBasisNet/EOY0219261
IRS990/LoanToOfficerOrDQP0true
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IRS990/MissionDescription0Not For Profit Financial Credit Union incorporated
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IRS990/NbrIndependentVotingMembers05
IRS990/NbrVotingGoverningBodyMembers05
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IRS990/NumberFormsTransmittedWith10960669
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IRS990/NumberW2GIncluded00
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IRS990/OfficerEntityWithBsnssRltnshp0false
IRS990/OfficerMailingAddress0false
IRS990/Organization501c0X
IRS990/OtherAssetsTotal/BOY043958
IRS990/OtherAssetsTotal/EOY040499
IRS990/OtherEmployeeBenefits/Total04449
IRS990/OtherExpensesCurrentYear0201739
IRS990/OtherExpenses/Description0NCUA Stabilization
IRS990/OtherExpenses/Description1Education and Promo
IRS990/OtherExpenses/Description2Loan Servicing
IRS990/OtherExpenses/Description3Association Dues
IRS990/OtherExpenses/Total015951
IRS990/OtherExpenses/Total11674
IRS990/OtherExpenses/Total24355
IRS990/OtherExpenses/Total34640
IRS990/OtherNotesLoansReceivableNet/BOY03764491
IRS990/OtherNotesLoansReceivableNet/EOY03144161
IRS990/OtherRevenueCurrentYear063119
IRS990/OtherRevenueMisc/BusinessCode0523000
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IRS990/OtherRevenueMisc/Description0Fees
IRS990/OtherRevenueMisc/Description1Misc
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IRS990/OtherRevenueMisc/TotalRevenueColumn054036
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IRS990/OtherRevenueMisc/UnrelatedBusinessRevenue07023
IRS990/OtherSalariesAndWages/Total0142796
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IRS990ScheduleD/Buildings/BookValue0132820
IRS990ScheduleD/Buildings/Depreciation048750
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IRS990ScheduleL/LoanTable/ApprovedByBoard0true
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IRS990ScheduleL/LoanTable/NamePerson0BOBBY MILLER
IRS990ScheduleL/LoanTable/NamePerson1DENNY DEAVER
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IRS990ScheduleL/LoanTable/NamePerson3MARI DANIEL
IRS990ScheduleL/LoanTable/NamePerson4JAMES WOOD
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IRS990ScheduleL/LoanTable/OriginalPrincipalAmount22000
IRS990ScheduleL/LoanTable/OriginalPrincipalAmount324033
IRS990ScheduleL/LoanTable/OriginalPrincipalAmount420538
IRS990ScheduleL/LoanTable/PurposeOfLoan0Vehicle
IRS990ScheduleL/LoanTable/PurposeOfLoan1Vehicle
IRS990ScheduleL/LoanTable/PurposeOfLoan2Signature
IRS990ScheduleL/LoanTable/PurposeOfLoan3Vehicle
IRS990ScheduleL/LoanTable/PurposeOfLoan4Vehicle
IRS990ScheduleL/LoanTable/WrittenAgreement0true
IRS990ScheduleL/LoanTable/WrittenAgreement1true
IRS990ScheduleL/LoanTable/WrittenAgreement2true
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IRS990ScheduleL/LoanTable/WrittenAgreement4true
IRS990ScheduleL/TotalBalanceDue033769
IRS990ScheduleO/GeneralExplanation/Explanation0Financial Statements reflecting assets are posted in the lobby
IRS990ScheduleO/GeneralExplanation/Explanation1of the Credit Union. They are also available upon request.
IRS990ScheduleO/GeneralExplanation/Explanation2Account Holders are considered Members.
IRS990ScheduleO/GeneralExplanation/Explanation3Members vote to elect Board of Directors.
IRS990ScheduleO/GeneralExplanation/Explanation4A copy of this Form 990 will be available upon request at
IRS990ScheduleO/GeneralExplanation/Explanation5BNSF Credit Union.
IRS990ScheduleO/GeneralExplanation/Explanation6MISC 4613.
IRS990ScheduleO/GeneralExplanation/Identifier0Pt VI, Line 19
IRS990ScheduleO/GeneralExplanation/Identifier1Pt VI, Line 6
IRS990ScheduleO/GeneralExplanation/Identifier2Pt VI, Line 7a
IRS990ScheduleO/GeneralExplanation/Identifier3Pt VI, Line 11a
IRS990ScheduleO/GeneralExplanation/Identifier4Form 990, Part IX, Line 24f
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IRS990/StatesWhereCopyOfReturnIsFiled0TX
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IRS990/TaxablePartyNotification0false
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IRS990/Terminated0false
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IRS990/TheBooksAreInCareOf/AddressUS/City0AMARILLO
IRS990/TheBooksAreInCareOf/AddressUS/State0TX
IRS990/TheBooksAreInCareOf/AddressUS/ZIPCode079102
IRS990/TheBooksAreInCareOf/NamePerson0SANDRA ALLM
IRS990/TheBooksAreInCareOf/TelephoneNumber08063587109
IRS990/TotalAssets/BOY07201490
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IRS990/TotalLiabilitiesEOY06217585
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IRS990/UponRequest0X
IRS990/WebSite0N/A
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IRS990/YearFormation01955
ReturnHeader/BuildTS02016-02-24 21:20:13Z
ReturnHeader/Filer/EIN0751057754
ReturnHeader/Filer/Name/BusinessNameLine10BNSF CREDIT UNION
ReturnHeader/Filer/NameControl0BNSF
ReturnHeader/Filer/Phone08063747109
ReturnHeader/Filer/USAddress/AddressLine101619 PECOS
ReturnHeader/Filer/USAddress/City0AMARILLO
ReturnHeader/Filer/USAddress/State0TX
ReturnHeader/Filer/USAddress/ZIPCode079102
ReturnHeader/Officer/AuthorizeThirdParty0true
ReturnHeader/Officer/DateSigned02012-05-04
ReturnHeader/Officer/Name0SANDRA ALLM
ReturnHeader/Officer/Phone08063747109
ReturnHeader/Officer/Title0CEO
ReturnHeader/PreparerFirm/PreparerFirmBusinessName/BusinessNameLine10GREG R SCHMIDTCPA
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/AddressLine102300 N WESTERN
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/City0AMARILLO
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/State0TX
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/ZIPCode079124
ReturnHeader/Preparer/Name0GREG R SCHMIDT
ReturnHeader/Preparer/Phone08552759297
ReturnHeader/Preparer/SelfEmployed0X
ReturnHeader/ReturnType0990
ReturnHeader/TaxPeriodBeginDate02011-01-01
ReturnHeader/TaxPeriodEndDate02011-12-31
ReturnHeader/TaxYear02011
ReturnHeader/Timestamp02012-05-06T07:29:24-07:00

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Filings