Civic Intelligence

Beckstrand & Associates Employees Credit Union

EIN 87-0402973 • 501(c)14 • Salt Lake City, UT

Profile

Member Investments and Scholarships

6322 S 3000 E Ste 160Salt Lake City, UT 84121-6922
Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

84th percentile

0.18x

Higher debt load relative to assets than 84% of similar nonprofits.

<$500k nonprofits • Source year 2024

Liabilities / Revenue

98th percentile

7.55x

Higher debt load relative to revenue than 98% of similar nonprofits.

501(c)14 • <$500k nonprofits • Source year 2024

Net Margin

98th percentile

49%

Higher net margin than 98% of similar nonprofits.

501(c)14 • <$500k nonprofits • Source year 2024

Top Officer Pay

29th percentile

$0

Higher top officer pay than 29% of similar nonprofits.

Top officer pay equals 0.0% of source-year revenue.

501(c)14 • <$500k nonprofits • Source year 2024

Asset Growth

96th percentile

-29%

Faster asset growth than 96% of similar nonprofits.

501(c)14 • <$500k nonprofits • Annualized from 2023 to 2024

Revenue Growth

98th percentile

26%

Faster revenue growth than 98% of similar nonprofits.

501(c)14 • <$500k nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets84th percentile

Assets

Down

$189,165

Down $75,432 (-29%) from 2023

Liabilities

Down

$34,673

Down $77,671 (-69%) from 2023

Net Assets

Up

$154,492

Up $2,239 (+1.5%) from 2023

Operations
Liabilities / Revenue98th percentileNet Margin98th percentile

Revenue

Up

$4,592

Up $936 (+26%) from 2023

Expenses

Down

$2,353

Down $235 (-9.1%) from 2023

Net Income

Up

$2,239

Up $1,171 (+110%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth96th percentile

Grouped bars show assets, liabilities, and net assets across loaded filings.

$600K$400K$200K$0Assets 2011: $368,515Liabilities 2011: $228,1072011Assets 2012: $240,110Liabilities 2012: $95,7332012Assets 2013: $280,780Liabilities 2013: $136,1252013Assets 2014: $225,305Liabilities 2014: $80,1792014Assets 2015: $274,830Liabilities 2015: $129,6032015Assets 2016: $298,334Liabilities 2016: $152,4222016Assets 2017: $270,837Liabilities 2017: $124,5752017Assets 2018: $418,655Liabilities 2018: $271,1402018Assets 2019: $214,292Liabilities 2019: $66,3402019Assets 2020: $367,873Liabilities 2020: $218,7762020Assets 2021: $478,285Liabilities 2021: $327,696Net Assets 2021: $150,5892021Assets 2022: $499,284Liabilities 2022: $348,099Net Assets 2022: $151,1852022Assets 2023: $264,597Liabilities 2023: $112,344Net Assets 2023: $152,2532023Assets 2024: $189,165Liabilities 2024: $34,673Net Assets 2024: $154,4922024

Highlighted filing

2024

Assets$189,165
Liabilities$34,673
Net Assets$154,492
Open 2024 Filing

Operations Trend

Revenue Growth98th percentile

Revenue, expenses, and net income by year, with the latest filing highlighted.

$200K$150K$100K$50K$0Revenue 2011: $153,321Expenses 2011: $151,882Net Income 2011: $1,4392011Revenue 2012: $106,640Expenses 2012: $102,671Net Income 2012: $3,9692012Revenue 2013: $4,033Expenses 2013: $3,754Net Income 2013: $2792013Revenue 2014: $3,688Expenses 2014: $3,218Net Income 2014: $4702014Revenue 2015: $2,025Expenses 2015: $1,923Net Income 2015: $1022015Revenue 2016: $67,487Expenses 2016: $66,803Net Income 2016: $6842016Revenue 2017: $7,485Expenses 2017: $7,134Net Income 2017: $3512017Revenue 2018: $92,024Expenses 2018: $90,771Net Income 2018: $1,2532018Revenue 2019: $2,025Expenses 2019: $1,588Net Income 2019: $4372019Revenue 2020: $3,888Expenses 2020: $2,743Net Income 2020: $1,1452020Revenue 2021: $2,350Expenses 2021: $858Net Income 2021: $1,4922021Revenue 2022: $1,083Expenses 2022: $487Net Income 2022: $5962022Revenue 2023: $3,656Expenses 2023: $2,588Net Income 2023: $1,0682023Revenue 2024: $4,592Expenses 2024: $2,353Net Income 2024: $2,2392024

Highlighted filing

2024

Revenue$4,592
Expenses$2,353
Net Income$2,239
Open 2024 Filing

Filings

Most recent year

2024 • Form 990EZXML pending. An XML filing is linked for this year, but detailed extraction is still pending.

Open filing
Assets
$189,165
Liabilities
$34,673
Net assets
$154,492
Revenue
$4,592
Expenses
$2,353
Net income
$2,239
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1.89$0.35$1.54$0.05$0.02$0.02
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$2.65$1.12$1.52$0.04$0.03$0.01
2022Detailed filing. Detailed filing data is available for this year.$4.99$3.48$1.51$0.01$0.00$0.01
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$4.78$3.28$1.51$0.02$0.01$0.01
2020Summary only. Only limited summary data is available for this year.$3.68$2.19$0.04$0.03$0.01
2019Summary only. Only limited summary data is available for this year.$2.14$0.66$0.02$0.02$0.00
2018Summary only. Only limited summary data is available for this year.$4.19$2.71$0.92$0.91$0.01
2017Summary only. Only limited summary data is available for this year.$2.71$1.25$0.07$0.07$0.00
2016Summary only. Only limited summary data is available for this year.$2.98$1.52$0.67$0.67$0.01
2015Summary only. Only limited summary data is available for this year.$2.75$1.30$0.02$0.02$0.00
2014Summary only. Only limited summary data is available for this year.$2.25$0.80$0.04$0.03$0.00
2013Summary only. Only limited summary data is available for this year.$2.81$1.36$0.04$0.04$0.00
2012Summary only. Only limited summary data is available for this year.$2.40$0.96$1.07$1.03$0.04
2011Summary only. Only limited summary data is available for this year.$3.69$2.28$1.53$1.52$0.01
Latest Detailed Filing

The latest 2024 filing currently has linked XML that has not been fully parsed yet. Showing the latest detailed filing from 2022 below.

Jump To
Filing Snapshot
Filing Period
Jan 1, 2022 to Dec 31, 2022
Signed
Aug 16, 2023
Return Version
2022v5.0
Gross Receipts
$1,083
Mission and Program Overview

Mission

MemberInvestmentsandScholarships

Member Investments and Scholarships

Program Services

DescriptionGrantsExpenses
Scholarships were given to students for tuition to various universities colleges$169,597$169,597
Compensation and Service Providers
Top Officer Pay29th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Julie JacksonPresident-$0--
Richard BeckstrandVice President-$0--
Amy DriggsSecretary-$0--
Misti MilnerBoard Member-$0--
Janelle ChristoffersonBoard Member-$0--
Steve HopkinsBoard Member-$0--
Steve PembertonBoard Member-$0--
Kristen DunnBoard Member-$0--
Filing and Contact Details

Filer

Filer Name
Beckstrand & Associates Employees Credit Union
EIN
87-0402973
In Care Of
% Richard Beckstrand
Address
6322 S 3000 E STE 160, SALT LAKE CITY, UT 84121-6922

Signing Officer

Name
Richard Beckstrand
Title
Chairman
Signed
2023-08-16
Supplemental Narrative

Additional Explanations

Part I, line 16

“| Other Expenses:, Amount:| Bank Fees, $160|”

Part II, line 24

“| Explanation:, BOYAmount:, EOYAmount:| Deposits NCUIF, $1, $1|”

Part II, line 26

“| Explanation:, BOYAmount:, EOYAmount:| Accrued Liabilities, $321770, $342173| Member Shares, $115, $115| Regual Reserve, $5811, $5811|”

Part I, Line 16

“| Explanation:| Bank Fees”

Raw XML Appendix133 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.

Path#Value
IRS990EZ/ActivitiesNotPreviouslyRptInd0false
IRS990EZ/BooksInCareOfDetail/PersonNm0Janelle Christofferson
IRS990EZ/BooksInCareOfDetail/PhoneNum08019447722
IRS990EZ/BooksInCareOfDetail/USAddress/AddressLine1Txt06322 S 3000 E STE 160
IRS990EZ/BooksInCareOfDetail/USAddress/CityNm0SALT LAKE CITY
IRS990EZ/BooksInCareOfDetail/USAddress/StateAbbreviationCd0UT
IRS990EZ/BooksInCareOfDetail/USAddress/ZIPCd0841216922
IRS990EZ/CashSavingsAndInvestmentsGrp/BOYAmt0478284
IRS990EZ/CashSavingsAndInvestmentsGrp/EOYAmt0499283
IRS990EZ/ChgMadeToOrgnzngDocNotRptInd0false
IRS990EZ/DirectIndirectPltclExpendAmt00
IRS990EZ/DonorAdvisedFndsInd0false
IRS990EZ/ExcessOrDeficitForYearAmt0596
IRS990EZ/FeesAndOtherPymtToIndCntrctAmt0327
IRS990EZ/ForeignFinancialAccountInd0false
IRS990EZ/ForeignOfficeInd0false
IRS990EZ/Form1120PolFiledInd0false
IRS990EZ/Form990TotalAssetsGrp/BOYAmt0478285
IRS990EZ/Form990TotalAssetsGrp/EOYAmt0499284
IRS990EZ/GainOrLossFromSaleOfAssetsAmt00
IRS990EZ/GrossProfitLossSlsOfInvntryAmt00
IRS990EZ/GrossReceiptsAmt01083
IRS990EZ/InfoInScheduleOPartIIInd0X
IRS990EZ/InfoInScheduleOPartIInd0X
IRS990EZ/InvestmentIncomeAmt01083
IRS990EZ/MadeLoansToFromOfficersInd0false
IRS990EZ/MethodOfAccountingAccrualInd0X
IRS990EZ/NetAssetsOrFundBalancesBOYAmt0150589
IRS990EZ/NetAssetsOrFundBalancesEOYAmt0151185
IRS990EZ/NetAssetsOrFundBalancesGrp/BOYAmt0150589
IRS990EZ/NetAssetsOrFundBalancesGrp/EOYAmt0151185
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt01
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt11
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt21
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt31
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt41
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt51
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt61
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt71
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt10
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt20
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt30
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt40
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt50
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt60
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt70
IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt10
IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt20
IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt30
IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt40
IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt50
IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt60
IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt70
IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt10
IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt20
IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt30
IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt40
IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt50
IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt60
IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt70
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm0Julie Jackson
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm1Richard Beckstrand
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm2Amy Driggs
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm3Misti Milner
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm4Janelle Christofferson
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm5Steve Hopkins
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm6Steve Pemberton
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm7Kristen Dunn
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt0President
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt1Vice President
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt2Secretary
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt3Board Member
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt4Board Member
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt5Board Member
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt6Board Member
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt7Board Member
IRS990EZ/OperateHospitalInd0false
IRS990EZ/Organization501cInd0X
IRS990EZ/OrganizationDissolvedEtcInd0false
IRS990EZ/OrganizationHadUBIInd0false
IRS990EZ/OtherAssetsTotalDetail/BOYAmt01
IRS990EZ/OtherAssetsTotalDetail/EOYAmt01
IRS990EZ/OtherExpensesTotalAmt0160
IRS990EZ/PartVIHghstPdCntrctProfSrvcTxt0NONE
IRS990EZ/PartVIOfCompOfHghstPdEmplTxt0NONE
IRS990EZ/PoliticalCampaignActyInd0false
IRS990EZ/PrimaryExemptPurposeTxt0Member Investments and Scholarships
IRS990EZ/ProgramSrvcAccomplishmentGrp/DescriptionProgramSrvcAccomTxt0Scholarships were given to students for tuition to various universities colleges
IRS990EZ/ProgramSrvcAccomplishmentGrp/GrantsAndAllocationsAmt0169597
IRS990EZ/ProgramSrvcAccomplishmentGrp/ProgramServiceExpensesAmt0169597
IRS990EZ/ProhibitedTaxShelterTransInd0false
IRS990EZ/RelatedOrganizationCtrlEntInd0false
IRS990EZ/ScheduleBNotRequiredInd0X
IRS990EZ/SpecialEventsNetIncomeLossAmt00
IRS990EZ/StatesWhereCopyOfReturnIsFldCd0UT
IRS990EZ/SubjectToProxyTaxInd0false
IRS990EZ/SumOfTotalLiabilitiesGrp/BOYAmt0327696
IRS990EZ/SumOfTotalLiabilitiesGrp/EOYAmt0348099
IRS990EZ/TanningServicesProvidedInd0false
IRS990EZ/TotalExpensesAmt0487
IRS990EZ/TotalProgramServiceExpensesAmt0169597
IRS990EZ/TotalRevenueAmt01083
IRS990EZ/TransactionWithControlEntInd0false
IRS990EZ/TypeOfOrganizationCorpInd0X
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0| Other Expenses:, Amount:| Bank Fees, $160|
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1| Explanation:, BOYAmount:, EOYAmount:| Deposits NCUIF, $1, $1|
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2| Explanation:, BOYAmount:, EOYAmount:| Accrued Liabilities, $321770, $342173| Member Shares, $115, $115| Regual Reserve, $5811, $5811|
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3| Explanation:| Bank Fees
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Part I, line 16
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Part II, line 24
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Part II, line 26
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Part I, Line 16
ReturnHeader/BuildTS02023-04-26 12:10:37Z
ReturnHeader/BusinessOfficerGrp/PersonNm0Richard Beckstrand
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0Chairman
ReturnHeader/BusinessOfficerGrp/SignatureDt02023-08-16
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0BECKSTRAND & ASSOCIATES EMPLOYEES CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0BECK
ReturnHeader/Filer/EIN0870402973
ReturnHeader/Filer/ForeignPhoneNum08019447722
ReturnHeader/Filer/InCareOfNm0% Richard Beckstrand
ReturnHeader/Filer/USAddress/AddressLine1Txt06322 S 3000 E STE 160
ReturnHeader/Filer/USAddress/CityNm0SALT LAKE CITY
ReturnHeader/Filer/USAddress/StateAbbreviationCd0UT
ReturnHeader/Filer/USAddress/ZIPCd0841216922
ReturnHeader/ReturnTs02023-08-16T03:49:10-04:00
ReturnHeader/ReturnTypeCd0990EZ
ReturnHeader/TaxPeriodBeginDt02022-01-01
ReturnHeader/TaxPeriodEndDt02022-12-31
ReturnHeader/TaxYr02022

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