Civic Intelligence

Bellco Credit Union

990 • Fiscal year 2019 • EIN 84-0146595

Jan 01, 2019 to Dec 31, 2019 • Filed on Nov 12, 2020

Organization ProfileWWW.BELLCO.ORG

View Organization Page

7600 E Orchard Road No 400NGreenwood Village, CO 80111

(303) 689-7800

Siviq Scores

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

Liabilities / Assets

69th percentile

0.90x

Higher debt load relative to assets than 69% of similar nonprofits.

2019 filings • 501(c)14 • $1B+ nonprofits • Source year 2019

Liabilities / Revenue

60th percentile

18.26x

Higher debt load relative to revenue than 60% of similar nonprofits.

2019 filings • 501(c)14 • $1B+ nonprofits • Source year 2019

Net Margin

58th percentile

18%

Higher net margin than 58% of similar nonprofits.

2019 filings • 501(c)14 • $1B+ nonprofits • Source year 2019

Top Officer Pay

98th percentile

$3,783,359

Higher top officer pay than 98% of similar nonprofits.

Top officer pay equals 1.5% of source-year revenue.

2019 filings • 501(c)14 • $1B+ nonprofits • Source year 2019

Asset Growth

88th percentile

14%

Faster asset growth than 88% of similar nonprofits.

2019 filings • 501(c)14 • $1B+ nonprofits • Annualized from 2018 to 2019

Revenue Growth

64th percentile

14%

Faster revenue growth than 64% of similar nonprofits.

2019 filings • 501(c)14 • $1B+ nonprofits • Annualized from 2018 to 2019

Balance Sheet
Liabilities / Assets69th percentile

Assets

Up

$5,171,032,513

Up $653,436,798 (+14%) from 2018

Net Assets

Up

$520,775,834

Up $50,091,251 (+11%) from 2018

Liabilities

Up

$4,650,256,679

Up $603,345,547 (+15%) from 2018

Revenue And Expenses
Liabilities / Revenue60th percentileNet Margin58th percentile

Revenue

Up

$254,737,778

Up $31,239,633 (+14%) from 2018

Expenses

Up

$208,593,949

Up $30,271,512 (+17%) from 2018

Net Income

Up

$46,143,829

Up $968,121 (+2.1%) from 2018

Historical Trend

Balance Sheet Trend

Asset Growth88th percentile

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

$10B$5.0B$0Assets 2011: $2,069,711,484Liabilities 2011: $1,844,120,321Net Assets 2011: $225,591,1632011Assets 2012: $2,244,374,759Liabilities 2012: $1,986,744,130Net Assets 2012: $257,630,6292012Assets 2013: $2,465,882,983Liabilities 2013: $2,190,876,970Net Assets 2013: $275,006,0132013Assets 2014: $2,738,746,371Liabilities 2014: $2,429,219,001Net Assets 2014: $309,527,3702014Assets 2015: $3,109,279,486Liabilities 2015: $2,758,494,087Net Assets 2015: $350,785,3992015Assets 2016: $3,769,852,518Liabilities 2016: $3,379,959,123Net Assets 2016: $389,893,3952016Assets 2017: $4,023,046,464Liabilities 2017: $3,595,468,027Net Assets 2017: $427,578,4372017Assets 2018: $4,517,595,715Liabilities 2018: $4,046,911,132Net Assets 2018: $470,684,5832018Assets 2019: $5,171,032,513Liabilities 2019: $4,650,256,679Net Assets 2019: $520,775,8342019Assets 2020: $5,518,860,512Liabilities 2020: $4,981,937,035Net Assets 2020: $536,923,4772020Assets 2021: $6,160,459,649Liabilities 2021: $5,565,676,325Net Assets 2021: $594,783,3242021Assets 2022: $7,362,214,487Liabilities 2022: $6,711,454,808Net Assets 2022: $650,759,6792022Assets 2023: $8,259,004,929Liabilities 2023: $7,558,607,166Net Assets 2023: $700,397,7632023Assets 2024: $8,591,833,461Liabilities 2024: $7,839,011,982Net Assets 2024: $752,821,4792024

Highlighted filing

2019

Assets$5,171,032,513
Liabilities$4,650,256,679
Net Assets$520,775,834
Open 2019 Filing

Operations Trend

Revenue Growth64th percentile

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

$600M$400M$200M$0Expenses 2011: $92,635,4412011Expenses 2012: $91,743,5212012Revenue 2013: $130,950,465Expenses 2013: $110,965,681Net Income 2013: $19,984,7842013Revenue 2014: $135,883,051Expenses 2014: $102,702,369Net Income 2014: $33,180,6822014Revenue 2015: $150,905,176Expenses 2015: $109,603,314Net Income 2015: $41,301,8622015Revenue 2016: $172,295,154Expenses 2016: $133,125,420Net Income 2016: $39,169,7342016Revenue 2017: $192,968,969Expenses 2017: $155,543,432Net Income 2017: $37,425,5372017Revenue 2018: $223,498,145Expenses 2018: $178,322,437Net Income 2018: $45,175,7082018Revenue 2019: $254,737,778Expenses 2019: $208,593,949Net Income 2019: $46,143,8292019Revenue 2020: $242,568,862Expenses 2020: $230,744,095Net Income 2020: $11,824,7672020Revenue 2021: $233,085,363Expenses 2021: $168,668,224Net Income 2021: $64,417,1392021Revenue 2022: $286,970,201Expenses 2022: $200,344,282Net Income 2022: $86,625,9192022Revenue 2023: $411,740,872Expenses 2023: $368,123,468Net Income 2023: $43,617,4042023Revenue 2024: $496,693,327Expenses 2024: $444,339,363Net Income 2024: $52,353,9642024

Highlighted filing

2019

Revenue$254,737,778
Expenses$208,593,949
Net Income$46,143,829
Open 2019 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2019 to Dec 31, 2019
Signed
Nov 12, 2020
Return Version
2019v5.1
Gross Receipts
$281,586,753
Mission and Program Overview

Mission

Bellco is a progressive, member-owned organization that provides competitive financial services to meet evolving member needs. We will sustain planned growth to fund the future while maintaining member confidence through financial stability. We will provide a challenging and rewarding environment for our employees and contribute to the social and economic well being of our community.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$3,586,318,363$4,165,505,799▲ $579,187,436
Rtn Earn Endowment Incm Other Fnds$470,684,583$520,775,834▲ $50,091,251
Investments in Publicly Traded Securities$293,655,150$357,478,963▲ $63,823,813
Cash and Non-Interest-Bearing Accounts$419,828,849$259,200,951▼ $160,627,898
Savings and Temporary Cash Investments$3,138,719$153,265,641▲ $150,126,922
Investments Other Securities$32,928,963$34,369,782▲ $1,440,819
Land, Buildings, and Equipment, Net$33,430,903$33,203,341▼ $227,562
Accounts Receivable$8,894,957$8,272,000▼ $622,957
Prepaid Expenses and Deferred Charges$2,670,462$2,499,451▼ $171,011
Receivables From Officers Etc$1,779,649$2,475,117▲ $695,468
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$4,517,595,715$5,171,032,513▲ $653,436,798
Other Assets Total$134,949,700$154,761,468▲ $19,811,768
Liabilities
Other Liabilities$3,561,285,155$4,090,276,644▲ $528,991,489
Mortgage Notes Payable Secured by Investment Property$435,000,000$500,000,000▲ $65,000,000
Accounts Payable and Accrued Expenses$50,625,977$59,980,035▲ $9,354,058
Total Liabilities$4,046,911,132$4,650,256,679▲ $603,345,547
Net Assets / Fund Balance
Total Net Assets Fund Balance$470,684,583$520,775,834▲ $50,091,251
Total Liabilities and Net Assets / Fund Balance$4,517,595,715$5,171,032,513▲ $653,436,798

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$4,554,506$25,316,837$29,871,343
Buildings$12,222,684$11,438,802$23,661,486
Other Land Buildings$1,022,582$12,926,669$13,949,251
Land$13,122,476-$13,122,476
Leasehold Improvements$2,281,093$7,102,367$9,383,460
Compensation and Service Providers
Top Officer Pay98th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Doug FerraroBod Member/president/CEOFT$812,816$2,970,543$3,783,359
Daniel KampenEvp/CFOFT$381,732$448,478$830,210
Alvin MccarthyCommercial Business LendinFT$138,034$571,295$709,329
John M RubySVP/CLOFT$294,266$365,386$659,652
Leeann DowneySVP/chief Adm. OfficerFT$306,669$314,328$620,997
Greg LundstromCommercial Business LendinFT$138,421$433,282$571,703
John RiveraSVP/chief Retail OfficerFT$288,551$198,808$487,359
Juan Carlos CamposDirector- General Counsel/FT$213,112$55,459$268,571
John PargeonVP ControllerFT$217,352$50,383$267,735
Timothy BillingsVP Treasury & AnalyticsFT$212,717$52,896$265,613
Steven AngelierBod/chairmanPT$30,000-$30,000
Maria Alejandra SprayBod Member/supervisory Committee MembPT$24,000-$24,000
Walker FlemingBod/secretary TreasurerPT$24,000-$24,000
Andrew MurrayBod Member-$24,000-$24,000
David PowersBod Member-$24,000-$24,000
James DownsBod Member-$24,000-$24,000
Jane PrancanBod Member-$24,000-$24,000
Laura SonderupBod/v. Chair-$24,000-$24,000
Mark D GoodmanBod Member-$24,000-$24,000
Sherry KreisBod Member/supervisory Committee MembPT$19,500-$19,500
C David KikumotoBod Member-$10,500-$10,500

Board Members and Trustees

NameTitle
Sandra BlodgettSupervisory Committee Chair
James WinfieldSupervisory Committee Memb

Highest Paid Contractors

ContractorServicesLocationCompensation
Diebold INCAtm EquipmentPO BOX 643543, Pittsburgh, PA 15264$2,031,751
Emico MediaMarketing1 N BROADWAY B200, Denver, CO 80203$1,887,135
Unico Laird Norton Jv Two LLCBuilding Management1215 FOURTH AVE STE 600, Seattle, WA 98161$1,742,859
Visa USACredit Card Processing900 METRO CENTER BLVD, Foster City, CA 94404$1,530,000
Fis Card ServicesFinancial ServicesPO BOX 4535, Carol Stream, IL 60197-4535$1,416,877
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$230,233,298
Investment Income
$21,335,415
Other Revenue
$3,169,065
Change in Net Assets
$46,143,829

Audited Revenue Reconciliation

Revenue per Audited Statements
$254,737,778
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$-5,128,365
Total Revenue per Audited Statements
$249,609,413
Total Revenue per Form 990
$254,737,778
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$171,403,987
Salaries, Compensation, and Employee Benefits$37,189,962
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Interest---$57,576,933
Other Salaries and Wages---$20,654,182
Fees for Services Management---$19,898,254
Information Technology---$10,369,131
Advertising---$8,540,755
Current Officers, Directors, Trustees, and Key Employees---$6,633,577
Office Expenses---$6,016,968
Pension Plan Contributions---$5,522,568
Other Expenses---$5,127,861
Occupancy---$5,125,158
All Other Expenses---$4,207,564
Depreciation Depletion---$4,154,652
Other Employee Benefits---$2,608,975
Payroll Taxes---$1,770,660
Fees for Services Other---$851,334
Fees for Services Accounting---$571,013
Travel---$289,903
Fees for Services Legal---$271,897
Insurance---$211,206
Conferences and Meetings---$69,629
Total Functional Expenses$0$0$0$208,593,949

Audited Expense Reconciliation

Line ItemAmount
Total Expenses per Form 990$208,593,949
Expenses per Audited Statements$203,465,584
Total Expenses per Audited Statements$203,465,584
Expenses Not Reported on Financial Statements$5,128,365
Other Expense Adjustments$5,128,365
Expenses Not Reported on Form 990$0
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 Officers, Directors, Trustees, and Key Employees$1,779,649$2,475,117▲ $695,468
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Certificates$1,549,421,135
Share Drafts$852,269,031
Shares$827,341,993
Money Market$692,704,242
Ira Accounts$168,540,243
Governance and Compliance

Governance Checklist

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

Governance Explanations

Form 990, Part VI, Section A, Line 6

“The organization has members.”

Form 990, Part VI, Section A, Line 7A

“Credit union membership may participate in the election of officials.”

Form 990, Part VI, Section A, Line 7B

“Members of the credit union have the right to approve the governing body's election and removal of members of the governing body, as well as other matters that are subject to the approval of members of the credit union as they occur.”

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

“The senior director of finance is responsible for the preparation of the return. Upon completion, the return is reviewed by executive management and the president/ceo, once all parties have completed their reviews and any necessary corrections are made, the return is filed. The board of directors will review the form 990 subsequent to filing.”

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

“Human resources is notified by risk management and others about potential code of ethics violations which they fully investigate. A decision is then made concerning the actions that should be taken for the violation.”

Form 990, Part VI, Section B, Line 15

“Market data is prepared by the chief administrative officer for all executive positions. Substantiation of the decision is given in written performance evaluations for all executives.”

Form 990, Part VI, Section C, Line 19

“The credit union's governing documents are not made available to the public. The credit union's conflict of interest policy is not made available to the public. The credit union's financial statements are available for public viewing on ncua.gov via the quarterly 5300 filing.”

Filing and Contact Details

Filer

Filer Name
Bellco Credit Union
EIN
84-0146595
Phone
3036897800
Address
7600 E ORCHARD ROAD NO 400N, GREENWOOD VILLAGE, CO 80111

Signing Officer

Name
Daniel Kampen
Title
Evp/CFO
Phone
3036897800
Signed
2020-11-12
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Douglas a Ferraro
Formed
1936
Legal Domicile
Co
Voting Board Members
12
Independent Board Members
11
Employees
351
Volunteers
13

Preparer

Firm
Doeren Mayhew
Address
12060 S W 129TH COURT STE 201, MIAMI, FL 33186-4582
Preparer
Douglas J Orth
Phone
3052328272
Supplemental Narrative

Additional Explanations

Form 990, Part IX, Line 11G

“Professional & outside services 851,334.”

Form 990, Part IX, Line 24E

“Telephone and postage 1,971,716. Miscellaneous 1,553,576. Association dues 366,643. Stationery and supplies 315,629.”

Form 990, Part XII, Line 2C

“There were no changes to the process of the committee that assumes responsibility of the oversight of the audit and selection of the independent auditor.”

Financial Statement Notes

PART X, LINE 2:

“The credit union is exempt from most federal, state, and local taxes under the provisions of the internal revenue code (irc) and state tax laws. The income taxes topic of the fasb asc clarifies accounting for uncertainty in income taxes reported in the financial statements. The interpretation provides criteria for assessment of individual tax positions and a process for recognition and measurement of uncertain tax positions. Tax positions are evaluated on whether they meet the "more likely than not" standard for sustainability on examination by tax authorities. The credit union is a state-chartered credit union as defined in irc section 501(c)(14). As such, the credit union is exempt from federal taxation of income derived from the performance of activities directly related to its exempt purposes. However, irc section 511 imposes a tax on the unrelated business income (ubi) derived by state-chartered credit unions. Management has assessed the credit union's activities and any potential federal or state income tax liability and determined that the credit union has no uncertain tax positions that qualify for either recognition or disclosure in the financial statements. Additionally, no interest and penalties have been recorded in the accompanying financial statements related to uncertain tax positions. Currently, the 2018, 2017, and 2016 federal income tax returns are open for examination by the internal revenue service (irs). The filing years open for examination by the state, if applicable, may be equal to, greater than or less than the years open for examination by the irs.”

PART XI, LINE 2D - OTHER ADJUSTMENTS:

“Losses reported as expenses on form 990 but reported as a reduction of revenue in the audited financial statements -5,128,365.”

PART XII, LINE 4B - OTHER ADJUSTMENTS:

“Losses reported as expenses on form 990 but reported as a reduction of revenue in the audited financial statements 5,128,365.”

Raw XML AppendixShowing 400 of 887 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/Form990PartVIISectionAGrp/TitleTxt1SUPERVISORY COMMITTEE MEMB
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IRS990/Form990PartVIISectionAGrp/TitleTxt3BOD/V. CHAIR
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IRS990/Form990PartVIISectionAGrp/TitleTxt6BOD MEMBER/PRESIDENT/CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt7BOD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt8BOD MEMBER/SUPERVISORY COMMITTEE MEMB
IRS990/Form990PartVIISectionAGrp/TitleTxt9BOD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt10BOD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt11BOD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt12BOD MEMBER/SUPERVISORY COMMITTEE MEMB
IRS990/Form990PartVIISectionAGrp/TitleTxt13BOD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt14SVP/CLO
IRS990/Form990PartVIISectionAGrp/TitleTxt15EVP/CFO
IRS990/Form990PartVIISectionAGrp/TitleTxt16SVP/CHIEF RETAIL OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt17SVP/CHIEF ADM. OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt18VP CONTROLLER
IRS990/Form990PartVIISectionAGrp/TitleTxt19COMMERCIAL BUSINESS LENDIN
IRS990/Form990PartVIISectionAGrp/TitleTxt20COMMERCIAL BUSINESS LENDIN
IRS990/Form990PartVIISectionAGrp/TitleTxt21DIRECTOR- GENERAL COUNSEL/
IRS990/Form990PartVIISectionAGrp/TitleTxt22VP TREASURY & ANALYTICS
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IRS990/MinutesOfCommitteesInd01
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IRS990/MissionDesc0BELLCO IS A PROGRESSIVE, MEMBER-OWNED ORGANIZATION THAT PROVIDES COMPETITIVE FINANCIAL SERVICES TO MEET EVOLVING MEMBER NEEDS. WE WILL SUSTAIN PLANNED GROWTH TO FUND THE FUTURE WHILE MAINTAINING MEMBER CONFIDENCE THROUGH FINANCIAL STABILITY. WE WILL PROVIDE A CHALLENGING AND REWARDING ENVIRONMENT FOR OUR EMPLOYEES AND CONTRIBUTE TO THE SOCIAL AND ECONOMIC WELL BEING OF OUR COMMUNITY.
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IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt329885
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt422114
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IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt129885
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt222114
IRS990/ProhibitedTaxShelterTransInd00

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2019 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$5,171,032,513
Liabilities
$4,650,256,679
Net assets
$520,775,834
Revenue
$254,737,778
Expenses
$208,593,949
Net income
$46,143,829
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$8,592$7,839$753$497$444$52.4
2023Summary only. Only limited summary data is available for this year.$8,259$7,559$700$412$368$43.6
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$7,362$6,711$651$287$200$86.6
2021Facts available. Structured filing facts are available, but richer extracted sections are limited.$6,160$5,566$595$233$169$64.4
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$5,519$4,982$537$243$231$11.8
2019Detailed filing. Detailed filing data is available for this year.$5,171$4,650$521$255$209$46.1
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$4,518$4,047$471$223$178$45.2
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$4,023$3,595$428$193$156$37.4
2016Facts available. Structured filing facts are available, but richer extracted sections are limited.$3,770$3,380$390$172$133$39.2
2015XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$3,109$2,758$351$151$110$41.3
2014XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$2,739$2,429$310$136$103$33.2
2013Detailed filing. Detailed filing data is available for this year.$2,466$2,191$275$131$111$20.0
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$2,244$1,987$258$91.7
2011XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$2,070$1,844$226$92.6
Peer Organizations

Similar nonprofits based on the same Siviq industry and scale cohort. 2019 filings • 501(c)14 • $1B+ nonprofits