Civic Intelligence

Benton County Schools Credit Union

990 • Fiscal year 2017 • EIN 93-0465079

Jan 01, 2017 to Dec 31, 2017 • Filed on May 29, 2018

Organization Profilewww.bcscu.org

View Organization Page

PO Box 1012Corvallis, OR 97339

(541) 754-7765

Siviq Scores

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

Liabilities / Assets

93rd percentile

0.92x

Higher debt load relative to assets than 93% of similar nonprofits.

2017 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2017

Liabilities / Revenue

95th percentile

31.31x

Higher debt load relative to revenue than 95% of similar nonprofits.

2017 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2017

Net Margin

61st percentile

12%

Higher net margin than 61% of similar nonprofits.

2017 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2017

Top Officer Pay

40th percentile

$127,406

Higher top officer pay than 40% of similar nonprofits.

Top officer pay equals 8.5% of source-year revenue.

2017 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2017

Asset Growth

72nd percentile

5.3%

Faster asset growth than 72% of similar nonprofits.

2017 filings • 501(c)14 • $50M-$100M nonprofits • Annualized from 2016 to 2017

Revenue Growth

44th percentile

4.4%

Faster revenue growth than 44% of similar nonprofits.

2017 filings • 501(c)14 • $50M-$100M nonprofits • Annualized from 2016 to 2017

Balance Sheet
Liabilities / Assets93rd percentile

Assets

Up

$50,833,410

Up $2,537,319 (+5.3%) from 2016

Net Assets

Up

$4,017,915

Up $186,438 (+4.9%) from 2016

Liabilities

Up

$46,815,495

Up $2,350,881 (+5.3%) from 2016

Revenue And Expenses
Liabilities / Revenue95th percentileNet Margin61st percentile

Revenue

Up

$1,495,274

Up $62,362 (+4.4%) from 2016

Expenses

Up

$1,308,836

Up $29,044 (+2.3%) from 2016

Net Income

Up

$186,438

Up $33,318 (+22%) from 2016

Historical Trend

Balance Sheet Trend

Asset Growth72nd percentile

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

$80M$60M$40M$20M$0Assets 2010: $34,149,569Liabilities 2010: $30,695,592Net Assets 2010: $3,453,9772010Assets 2011: $37,083,025Liabilities 2011: $33,711,236Net Assets 2011: $3,371,7892011Assets 2012: $39,340,146Liabilities 2012: $35,944,772Net Assets 2012: $3,395,3742012Assets 2013: $41,450,796Liabilities 2013: $38,061,110Net Assets 2013: $3,389,6862013Assets 2014: $42,432,619Liabilities 2014: $38,887,533Net Assets 2014: $3,545,0862014Assets 2015: $45,162,834Liabilities 2015: $41,484,477Net Assets 2015: $3,678,3572015Assets 2016: $48,296,091Liabilities 2016: $44,464,614Net Assets 2016: $3,831,4772016Assets 2017: $50,833,410Liabilities 2017: $46,815,495Net Assets 2017: $4,017,9152017Assets 2018: $52,649,936Liabilities 2018: $48,367,130Net Assets 2018: $4,282,8062018Assets 2019: $56,004,356Liabilities 2019: $51,299,387Net Assets 2019: $4,704,9692019Assets 2020: $64,725,561Liabilities 2020: $59,656,406Net Assets 2020: $5,069,1552020Assets 2021: $73,261,332Liabilities 2021: $67,907,531Net Assets 2021: $5,353,8012021Assets 2022: $73,693,436Liabilities 2022: $67,880,774Net Assets 2022: $5,812,6622022Assets 2023: $65,186,441Liabilities 2023: $58,822,177Net Assets 2023: $6,364,2642023Assets 2024: $67,744,991Liabilities 2024: $60,965,067Net Assets 2024: $6,779,9242024

Highlighted filing

2017

Assets$50,833,410
Liabilities$46,815,495
Net Assets$4,017,915
Open 2017 Filing

Operations Trend

Revenue Growth44th percentile

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

$3.0M$2.0M$1.0M$0-$1.0MExpenses 2010: $1,430,5662010Expenses 2011: $1,458,9232011Expenses 2012: $1,286,5122012Revenue 2013: $1,247,771Expenses 2013: $1,253,459Net Income 2013: -$5,6882013Revenue 2014: $1,274,856Expenses 2014: $1,119,456Net Income 2014: $155,4002014Revenue 2015: $1,335,489Expenses 2015: $1,202,218Net Income 2015: $133,2712015Revenue 2016: $1,432,912Expenses 2016: $1,279,792Net Income 2016: $153,1202016Revenue 2017: $1,495,274Expenses 2017: $1,308,836Net Income 2017: $186,4382017Revenue 2018: $1,716,716Expenses 2018: $1,451,825Net Income 2018: $264,8912018Revenue 2019: $1,992,743Expenses 2019: $1,634,619Net Income 2019: $358,1242019Revenue 2020: $1,984,827Expenses 2020: $1,620,641Net Income 2020: $364,1862020Revenue 2021: $1,810,114Expenses 2021: $1,525,468Net Income 2021: $284,6462021Revenue 2022: $1,932,696Expenses 2022: $1,473,835Net Income 2022: $458,8612022Revenue 2023: $2,314,171Expenses 2023: $1,762,569Net Income 2023: $551,6022023Revenue 2024: $2,579,407Expenses 2024: $2,163,747Net Income 2024: $415,6602024

Highlighted filing

2017

Revenue$1,495,274
Expenses$1,308,836
Net Income$186,438
Open 2017 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2017 to Dec 31, 2017
Signed
May 29, 2018
Return Version
2017v2.2
Gross Receipts
$1,495,274
Mission and Program Overview

Mission

State of Oregon Chartered Credit Union. Provide financial services to 2,241 members. These services include, but are limited to providing real estate and other secured/unsecured loans and various savings programs.

State of Oregon Chartered Credit Union. Provide financial services to 2,226 members. These services include, but are limited to providing real estate and other secured/unsecured loans and various savings programs.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$22,270,045$24,254,592▲ $1,984,547
Rtn Earn Endowment Incm Other Fnds$3,831,477$4,017,915▲ $186,438
Savings and Temporary Cash Investments$3,319,624$3,350,970▲ $31,346
Land, Buildings, and Equipment, Net$1,686,460$1,745,627▲ $59,167
Receivables From Officers Etc$1,092,878$987,244▼ $105,634
Cash and Non-Interest-Bearing Accounts$705,476$697,951▼ $7,525
Prepaid Expenses and Deferred Charges$123,450$172,971▲ $49,521
Accounts Receivable-$0-
Pledges and Grants Receivable-$0-
Receivable From Disqualified Prsn-$0-
Investments Other Securities-$0-
Investments Program Related-$0-
Investments in Publicly Traded Securities-$0-
Intangible Assets-$0-
Inventories for Sale or Use-$0-
Total Assets$48,296,091$50,833,410▲ $2,537,319
Other Assets Total$19,098,158$19,624,055▲ $525,897
Liabilities
Other Liabilities$44,187,665$46,566,219▲ $2,378,554
Accounts Payable and Accrued Expenses$276,949$249,276▼ $27,673
Total Liabilities$44,464,614$46,815,495▲ $2,350,881
Net Assets / Fund Balance
Total Net Assets Fund Balance$3,831,477$4,017,915▲ $186,438
Total Liabilities and Net Assets / Fund Balance$48,296,091$50,833,410▲ $2,537,319

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$951,087$260,355$1,211,442
Other Land Buildings$156,076$405,108$561,184
Land$532,743-$532,743
Equipment$99,393$381,234$480,627
Leasehold Improvements$6,328$26,199$32,527
Other Assets Org$434,266--
Compensation and Service Providers
Top Officer Pay40th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Joe R TofteDirector, CEOFT$120,031$7,375$127,406

Board Members and Trustees

NameTitle
Kevin DeCosterChairman
Dorothy GallagherDirector
Harold F BraunerDirector
Margaret S DusekSecretary
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$1,208,827
Investment Income
$286,447
Other Revenue
$0
Change in Net Assets
$186,438
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$711,336
Salaries, Compensation, and Employee Benefits$597,500
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$306,366
Current Officers, Directors, Trustees, and Key Employees---$127,406
Occupancy---$100,667
Information Technology---$93,963
Office Expenses---$90,513
Other Employee Benefits---$84,952
Depreciation Depletion---$72,323
Payroll Taxes---$42,277
Pension Plan Contributions---$36,499
Advertising---$30,261
All Other Expenses---$25,122
Insurance---$24,402
Other Expenses---$17,394
Fees for Services Other---$17,361
Travel---$16,400
Fees for Services Accounting---$12,867
Conferences and Meetings---$3,148
Fees for Service Investment Mgmnt Fees---$1,026
Fees for Services Legal---$960
Total Functional Expenses$0$0$0$1,308,836
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$1,092,878$987,244▼ $105,634
Receivables from Disqualified Persons-$0-
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Members' Shares and Deposits$46,566,219
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
No
Backup withholding compliance
Yes
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 11B: Form 990 Review Process

“Form 990 was provided to Treasurer/CEO for review.”

Form 990, Part VI, Line 15B: Compensation Review and Approval Process for Officers and Key Employees

“Reviewed by Board of Directors.”

Form 990, Part VI, Line 19: Other Organization Documents Publicly Available

“Documents are available to members of the credit union upon request.”

Filing and Contact Details

Filer

Filer Name
Benton County Schools Credit Union
EIN
93-0465079
Phone
5417547765
Address
PO Box 1012, Corvallis, OR 97339

Signing Officer

Name
Joe R Tofte
Title
President & CEO
Signed
2018-05-29
Discuss with paid preparer
Yes

Organization Details

Formed
1953
Legal Domicile
Or
Voting Board Members
5
Independent Board Members
4
Employees
9
Volunteers
14

Preparer

Firm
Anastasi Moore & Martin Pllc
Address
9 South Washington St STE 600, Spokane, WA 99201-3709
Preparer
Lance P Woodall CPA
Phone
5093230272
Raw XML Appendix350 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/SavingsAndTempCashInvstGrp/BOYAmt03319624
IRS990/SavingsAndTempCashInvstGrp/EOYAmt03350970
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/BuildingsGrp/BookValueAmt0951087
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0260355
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt01211442
IRS990ScheduleD/EquipmentGrp/BookValueAmt099393
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0381234
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt0480627
IRS990ScheduleD/LandGrp/BookValueAmt0532743
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0532743
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt06328
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt026199
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt032527
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt076479
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt1434266
IRS990ScheduleD/OtherAssetsOrgGrp/Desc0Accrued Interest Receivable
IRS990ScheduleD/OtherAssetsOrgGrp/Desc1NCUSIF
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt0156076
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt0405108
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt0561184
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt046566219
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0Members' Shares and Deposits
IRS990ScheduleD/TotalBookValueLandBuildingsAmt01745627
IRS990ScheduleD/TotalBookValueOtherAssetsAmt019624055
IRS990ScheduleD/TotalLiabilityAmt046566219
IRS990/ScheduleJRequiredInd0false
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0Form 990 was provided to Treasurer/CEO for review.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1Reviewed by Board of Directors.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2Documents are available to members of the credit union upon request.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990, Part VI, Line 11b: Form 990 Review Process
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990, Part VI, Line 15b: Compensation Review and Approval Process for Officers and Key Employees
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990, Part VI, Line 19: Other Organization Documents Publicly Available
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/TaxableDistributionsInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt048296091
IRS990/TotalAssetsEOYAmt050833410
IRS990/TotalAssetsGrp/BOYAmt048296091
IRS990/TotalAssetsGrp/EOYAmt050833410
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalContributionsAmt00
IRS990/TotalEmployeeCnt09
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt01308836
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt044464614
IRS990/TotalLiabilitiesEOYAmt046815495
IRS990/TotalLiabilitiesGrp/BOYAmt044464614
IRS990/TotalLiabilitiesGrp/EOYAmt046815495
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt03831477
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt04017915
IRS990/TotalOtherCompensationAmt07375
IRS990/TotalProgramServiceExpensesAmt01308836
IRS990/TotalProgramServiceRevenueAmt01208827
IRS990/TotalReportableCompFromOrgAmt0120031
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt01495274
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt01495274
IRS990/TotalVolunteersCnt014
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt048296091
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt050833410
IRS990/TravelGrp/TotalAmt016400
IRS990/TypeOfOrganizationOtherInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/VotingMembersGoverningBodyCnt05
IRS990/VotingMembersIndependentCnt04
IRS990/WebsiteAddressTxt0www.bcscu.org
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02018-06-14 16:35:46Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0Joe R Tofte
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0President & CEO
ReturnHeader/BusinessOfficerGrp/SignatureDt02018-05-29
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0Benton County Schools Credit Union
ReturnHeader/Filer/BusinessNameControlTxt0BENT
ReturnHeader/Filer/EIN0930465079
ReturnHeader/Filer/PhoneNum05417547765
ReturnHeader/Filer/USAddress/AddressLine1Txt0PO Box 1012
ReturnHeader/Filer/USAddress/CityNm0Corvallis
ReturnHeader/Filer/USAddress/StateAbbreviationCd0OR
ReturnHeader/Filer/USAddress/ZIPCd097339
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0208149084
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0ANASTASI MOORE & MARTIN PLLC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt09 South Washington St STE 600
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0Spokane
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0WA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd0992013709
ReturnHeader/PreparerPersonGrp/PhoneNum05093230272
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0Lance P Woodall CPA
ReturnHeader/ReturnTs02018-05-29T08:46:27-07:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02017-01-01
ReturnHeader/TaxPeriodEndDt02017-12-31
ReturnHeader/TaxYr02017

Document Assets

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Filings

Displayed year

2017 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$50,833,410
Liabilities
$46,815,495
Net assets
$4,017,915
Revenue
$1,495,274
Expenses
$1,308,836
Net income
$186,438
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$67.7$61.0$6.78$2.58$2.16$0.42
2023Summary only. Only limited summary data is available for this year.$65.2$58.8$6.36$2.31$1.76$0.55
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$73.7$67.9$5.81$1.93$1.47$0.46
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$73.3$67.9$5.35$1.81$1.53$0.28
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$64.7$59.7$5.07$1.98$1.62$0.36
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$56.0$51.3$4.70$1.99$1.63$0.36
2018Facts available. Structured filing facts are available, but richer extracted sections are limited.$52.6$48.4$4.28$1.72$1.45$0.26
2017Detailed filing. Detailed filing data is available for this year.$50.8$46.8$4.02$1.50$1.31$0.19
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$48.3$44.5$3.83$1.43$1.28$0.15
2015Detailed filing. Detailed filing data is available for this year.$45.2$41.5$3.68$1.34$1.20$0.13
2014Detailed filing. Detailed filing data is available for this year.$42.4$38.9$3.55$1.27$1.12$0.16
2013Detailed filing. Detailed filing data is available for this year.$41.5$38.1$3.39$1.25$1.25$0.01
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$39.3$35.9$3.40$1.29
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$37.1$33.7$3.37$1.46
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$34.1$30.7$3.45$1.43