Civic Intelligence

Benton County Schools Credit Union

990 • Fiscal year 2020 • EIN 93-0465079

Jan 01, 2020 to Dec 31, 2020 • Filed on Jun 28, 2021

Organization ProfileWWW.BCSCU.ORG

View Organization Page

PO Box 1012Corvallis, OR 97339-1012

(541) 754-7765

Siviq Scores

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

Liabilities / Assets

90th percentile

0.92x

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

2020 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2020

Liabilities / Revenue

93rd percentile

30.06x

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

2020 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2020

Net Margin

81st percentile

18%

Higher net margin than 81% of similar nonprofits.

2020 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2020

Top Officer Pay

42nd percentile

$138,069

Higher top officer pay than 42% of similar nonprofits.

Top officer pay equals 7.0% of source-year revenue.

2020 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2020

Asset Growth

53rd percentile

16%

Faster asset growth than 53% of similar nonprofits.

2020 filings • 501(c)14 • $50M-$100M nonprofits • Annualized from 2019 to 2020

Revenue Growth

65th percentile

-0.4%

Faster revenue growth than 65% of similar nonprofits.

2020 filings • 501(c)14 • $50M-$100M nonprofits • Annualized from 2019 to 2020

Balance Sheet
Liabilities / Assets90th percentile

Assets

Up

$64,725,561

Up $8,721,205 (+16%) from 2019

Net Assets

Up

$5,069,155

Up $364,186 (+7.7%) from 2019

Liabilities

Up

$59,656,406

Up $8,357,019 (+16%) from 2019

Revenue And Expenses
Liabilities / Revenue93rd percentileNet Margin81st percentile

Revenue

Down

$1,984,827

Down $7,916 (-0.4%) from 2019

Expenses

Down

$1,620,641

Down $13,978 (-0.9%) from 2019

Net Income

Up

$364,186

Up $6,062 (+1.7%) from 2019

Historical Trend

Balance Sheet Trend

Asset Growth53rd 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

2020

Assets$64,725,561
Liabilities$59,656,406
Net Assets$5,069,155
Open 2020 Filing

Operations Trend

Revenue Growth65th 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

2020

Revenue$1,984,827
Expenses$1,620,641
Net Income$364,186
Open 2020 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2020 to Dec 31, 2020
Signed
Jun 28, 2021
Return Version
2020v4.1
Gross Receipts
$1,984,827
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 2,269 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$25,681,695$28,967,541▲ $3,285,846
Rtn Earn Endowment Incm Other Fnds$4,704,969$5,069,155▲ $364,186
Savings and Temporary Cash Investments$6,476,915$4,453,628▼ $2,023,287
Land, Buildings, and Equipment, Net$1,642,026$1,921,769▲ $279,743
Cash and Non-Interest-Bearing Accounts$689,672$1,127,701▲ $438,029
Prepaid Expenses and Deferred Charges$209,002$161,115▼ $47,887
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$56,004,356$64,725,561▲ $8,721,205
Other Assets Total$21,305,046$28,093,807▲ $6,788,761
Liabilities
Other Liabilities$50,597,297$59,197,201▲ $8,599,904
Accounts Payable and Accrued Expenses$702,090$459,205▼ $242,885
Total Liabilities$51,299,387$59,656,406▲ $8,357,019
Net Assets / Fund Balance
Total Net Assets Fund Balance$4,704,969$5,069,155▲ $364,186
Total Liabilities and Net Assets / Fund Balance$56,004,356$64,725,561▲ $8,721,205

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$961,683$358,632$1,320,315
Other Land Buildings$324,187$534,128$858,315
Equipment$101,540$460,283$561,823
Land$532,743-$532,743
Leasehold Improvements$1,616$32,035$33,651
Other Assets Org$94,184--
Compensation and Service Providers
Top Officer Pay42nd percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Joe R TofteDirector, CEOFT$129,903$8,166$138,069

Board Members and Trustees

NameTitle
Dorothy GallagherChairperson
Harold F BraunerDirector
Margaret S DusekDirector
Kevin DecosterSecretary
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$1,479,428
Investment Income
$505,399
Other Revenue
$0
Change in Net Assets
$364,186
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$943,124
Salaries, Compensation, and Employee Benefits$677,517
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$309,554
Other Employee Benefits---$144,139
Current Officers, Directors, Trustees, and Key Employees---$138,069
Occupancy---$114,228
Information Technology---$106,471
Office Expenses---$106,447
Depreciation Depletion---$77,032
Pension Plan Contributions---$47,274
Advertising---$42,105
Payroll Taxes---$38,481
Travel---$32,312
Insurance---$27,325
All Other Expenses---$25,010
Fees for Services Other---$23,126
Other Expenses---$19,970
Fees for Services Accounting---$8,328
Conferences and Meetings---$1,581
Fees for Service Investment Mgmnt Fees---$980
Interest---$10
Total Functional Expenses$0$0$0$1,620,641
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
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
MEMBERS' SHARES AND DEPOSITS$59,197,201
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 B, Line 11B

“Line 11b explanation - form 990 was provided to treasurer/ceo for review.”

Form 990, Part VI, Section B, Line 15

“Reviewed by board of directors.”

Form 990, Part VI, Section C, Line 19

“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 97339-1012

Signing Officer

Name
Joe R Tofte
Title
President & CEO
Phone
5417547765
Signed
2021-06-28
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Joe Tofte
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 S WASHINGTON ST STE 600, SPOKANE, WA 99201
Preparer
Paul J Anastasi CPA
Phone
5093230272
Supplemental Narrative

Additional Explanations

Form 990, Part IX, Line 24E

“Educational & promotional 9,120. State regulatory fees 8,421. Loss on disposition of asset 5,251. Miscellaneous operating exp 2,218.”

Raw XML Appendix338 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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IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt0858315
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt059197201
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBERS' SHARES AND DEPOSITS
IRS990ScheduleD/TotalBookValueLandBuildingsAmt01921769
IRS990ScheduleD/TotalBookValueOtherAssetsAmt028093807
IRS990ScheduleD/TotalLiabilityAmt059197201
IRS990/ScheduleJRequiredInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0LINE 11B EXPLANATION - FORM 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/ExplanationTxt3EDUCATIONAL & PROMOTIONAL 9,120. STATE REGULATORY FEES 8,421. LOSS ON DISPOSITION OF ASSET 5,251. MISCELLANEOUS OPERATING EXP 2,218.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PART VI, SECTION B, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PART VI, SECTION B, LINE 15
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PART VI, SECTION C, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PART IX, LINE 24E
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/SubjectToExcsTaxNetInvstIncInd00
IRS990/SubjectToProxyTaxInd00
IRS990/SubjToTaxRmnrtnExPrchtPymtInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt056004356
IRS990/TotalAssetsEOYAmt064725561
IRS990/TotalAssetsGrp/BOYAmt056004356
IRS990/TotalAssetsGrp/EOYAmt064725561
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalEmployeeCnt09
IRS990/TotalFunctionalExpensesGrp/TotalAmt01620641
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt051299387
IRS990/TotalLiabilitiesEOYAmt059656406
IRS990/TotalLiabilitiesGrp/BOYAmt051299387
IRS990/TotalLiabilitiesGrp/EOYAmt059656406
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt04704969
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt05069155
IRS990/TotalOtherCompensationAmt08166
IRS990/TotalProgramServiceExpensesAmt01620641
IRS990/TotalProgramServiceRevenueAmt01479428
IRS990/TotalReportableCompFromOrgAmt0129903
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt01984827
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt01984827
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt014
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt056004356
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt064725561
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TravelGrp/TotalAmt032312
IRS990/TypeOfOrganizationOtherInd0X
IRS990/UnrelatedBusIncmOverLimitInd00
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt0PO BOX 1012
IRS990/USAddress/CityNm0CORVALLIS
IRS990/USAddress/StateAbbreviationCd0OR
IRS990/USAddress/ZIPCd0973391012
IRS990/VotingMembersGoverningBodyCnt05
IRS990/VotingMembersIndependentCnt04
IRS990/WebsiteAddressTxt0WWW.BCSCU.ORG
IRS990/WhistleblowerPolicyInd00
ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/AuthenticationAssuranceLevelCd0AAL1
ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/IdentityAssuranceLevelCd0IAL1
ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/TrustedCustomerCd02
ReturnHeader/BuildTS02022-09-23 18:48:47Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0JOE R TOFTE
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT & CEO
ReturnHeader/BusinessOfficerGrp/PhoneNum05417547765
ReturnHeader/BusinessOfficerGrp/SignatureDt02021-06-28
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/ZIPCd0973391012
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0208149084
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0ANASTASI MOORE & MARTIN PLLC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt09 S WASHINGTON ST STE 600
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0SPOKANE
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0WA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd099201
ReturnHeader/PreparerPersonGrp/PhoneNum05093230272
ReturnHeader/PreparerPersonGrp/PreparationDt02021-06-28
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0PAUL J ANASTASI CPA
ReturnHeader/ReturnTs02021-06-29T12:36:48-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/SigningOfficerGrp/PersonFullName/PersonFirstNm0JOE
ReturnHeader/SigningOfficerGrp/PersonFullName/PersonLastNm0TOFTE
ReturnHeader/TaxPeriodBeginDt02020-01-01
ReturnHeader/TaxPeriodEndDt02020-12-31
ReturnHeader/TaxYr02020

Document Assets

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Filings

Displayed year

2020 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$64,725,561
Liabilities
$59,656,406
Net assets
$5,069,155
Revenue
$1,984,827
Expenses
$1,620,641
Net income
$364,186
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
2020Detailed filing. Detailed filing data is available for this year.$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
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$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