Civic Intelligence

Benton County Schools Credit Union

990 • Fiscal year 2021 • EIN 93-0465079

Jan 01, 2021 to Dec 31, 2021 • Filed on Jul 06, 2022

Organization ProfileWWW.BCSCU.ORG

View Organization Page

2101 NW Professional DriveCorvallis, OR 97330

(541) 754-7765

Siviq Scores

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

Liabilities / Assets

92nd percentile

0.93x

Higher debt load relative to assets than 92% of similar nonprofits.

2021 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2021

Liabilities / Revenue

94th percentile

37.52x

Higher debt load relative to revenue than 94% of similar nonprofits.

2021 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2021

Net Margin

61st percentile

16%

Higher net margin than 61% of similar nonprofits.

2021 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2021

Top Officer Pay

45th percentile

$135,081

Higher top officer pay than 45% of similar nonprofits.

Top officer pay equals 7.5% of source-year revenue.

2021 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2021

Asset Growth

78th percentile

13%

Faster asset growth than 78% of similar nonprofits.

2021 filings • 501(c)14 • $50M-$100M nonprofits • Annualized from 2020 to 2021

Revenue Growth

15th percentile

-8.8%

Faster revenue growth than 15% of similar nonprofits.

2021 filings • 501(c)14 • $50M-$100M nonprofits • Annualized from 2020 to 2021

Balance Sheet
Liabilities / Assets92nd percentile

Assets

Up

$73,261,332

Up $8,535,771 (+13%) from 2020

Net Assets

Up

$5,353,801

Up $284,646 (+5.6%) from 2020

Liabilities

Up

$67,907,531

Up $8,251,125 (+14%) from 2020

Revenue And Expenses
Liabilities / Revenue94th percentileNet Margin61st percentile

Revenue

Down

$1,810,114

Down $174,713 (-8.8%) from 2020

Expenses

Down

$1,525,468

Down $95,173 (-5.9%) from 2020

Net Income

Down

$284,646

Down $79,540 (-22%) from 2020

Historical Trend

Balance Sheet Trend

Asset Growth78th 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

2021

Assets$73,261,332
Liabilities$67,907,531
Net Assets$5,353,801
Open 2021 Filing

Operations Trend

Revenue Growth15th 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

2021

Revenue$1,810,114
Expenses$1,525,468
Net Income$284,646
Open 2021 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2021 to Dec 31, 2021
Signed
Jul 6, 2022
Return Version
2021v4.2
Gross Receipts
$1,810,114
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 2,267 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$28,967,541$30,106,202▲ $1,138,661
Investments in Publicly Traded Securities-$13,974,124-
Savings and Temporary Cash Investments$4,453,628$5,757,400▲ $1,303,772
Rtn Earn Endowment Incm Other Fnds$5,069,155$5,353,801▲ $284,646
Land, Buildings, and Equipment, Net$1,921,769$1,802,565▼ $119,204
Cash and Non-Interest-Bearing Accounts$1,127,701$976,497▼ $151,204
Prepaid Expenses and Deferred Charges$161,115$169,034▲ $7,919
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$64,725,561$73,261,332▲ $8,535,771
Other Assets Total$28,093,807$20,475,510▼ $7,618,297
Liabilities
Other Liabilities$59,197,201$67,646,712▲ $8,449,511
Accounts Payable and Accrued Expenses$433,496$246,569▼ $186,927
Deferred Revenue$25,709$14,250▼ $11,459
Total Liabilities$59,656,406$67,907,531▲ $8,251,125
Net Assets / Fund Balance
Total Net Assets Fund Balance$5,069,155$5,353,801▲ $284,646
Total Liabilities and Net Assets / Fund Balance$64,725,561$73,261,332▲ $8,535,771

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$400,090$1,086,091$1,486,181
Buildings$869,047$506,932$1,375,979
Land$532,743-$532,743
Leasehold Improvements$685$32,966$33,651
Other Assets Org$122,805--
Compensation and Service Providers
Top Officer Pay45th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Joe R TofteDirector, CEOFT$128,781$6,300$135,081

Board Members and Trustees

NameTitle
Margaret S DusekChairperson
Dorothy GallagherDirector
Kevin DecosterDirector
Harold F BraunerSecretary
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$1,433,282
Investment Income
$297,631
Other Revenue
$79,201
Change in Net Assets
$284,646
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$811,541
Salaries, Compensation, and Employee Benefits$713,927
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$392,760
Current Officers, Directors, Trustees, and Key Employees---$135,081
Information Technology---$130,092
Depreciation Depletion---$124,032
Office Expenses---$113,311
Other Employee Benefits---$97,391
Occupancy---$82,796
Pension Plan Contributions---$46,239
Payroll Taxes---$42,456
Insurance---$26,757
Advertising---$22,344
Fees for Services Other---$21,389
Travel---$12,687
All Other Expenses---$10,937
Fees for Services Accounting---$10,656
Other Expenses---$8,566
Fees for Service Investment Mgmnt Fees---$980
Conferences and Meetings---$570
Fees for Services Legal---$250
Total Functional Expenses$0$0$0$1,525,468
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$67,646,712
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

“Form 990 was provided to treasurer and to the ceo for review.”

Form 990, Part VI, Section B, Line 15

“Officer compensation is 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
2101 NW PROFESSIONAL DRIVE, CORVALLIS, OR 97330

Signing Officer

Name
Cassie Lasswell
Title
CFO
Phone
5417547765
Signed
2022-07-06
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Cassie Lasswell
Formed
1953
Legal Domicile
Or
Voting Board Members
5
Independent Board Members
4
Employees
11
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
Raw XML Appendix339 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/OtherAssetsOrgGrp/Desc1DEPOSITS IN COMMERCIAL BANKS
IRS990ScheduleD/OtherAssetsOrgGrp/Desc2ALL OTHER INVESTMENTS IN CORP. C.U.
IRS990ScheduleD/OtherAssetsOrgGrp/Desc3ACCRUED INTEREST RECEIVABLE
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt067646712
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBERS' SHARES AND DEPOSITS
IRS990ScheduleD/TotalBookValueLandBuildingsAmt01802565
IRS990ScheduleD/TotalBookValueOtherAssetsAmt020475510
IRS990ScheduleD/TotalLiabilityAmt067646712
IRS990/ScheduleJRequiredInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0FORM 990 WAS PROVIDED TO TREASURER AND TO THE CEO FOR REVIEW.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1OFFICER COMPENSATION IS REVIEWED BY BOARD OF DIRECTORS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2DOCUMENTS ARE AVAILABLE TO MEMBERS OF THE CREDIT UNION UPON REQUEST.
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
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/SubjectToExcsTaxNetInvstIncInd00
IRS990/SubjectToProxyTaxInd00
IRS990/SubjToTaxRmnrtnExPrchtPymtInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt064725561
IRS990/TotalAssetsEOYAmt073261332
IRS990/TotalAssetsGrp/BOYAmt064725561
IRS990/TotalAssetsGrp/EOYAmt073261332
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalEmployeeCnt011
IRS990/TotalFunctionalExpensesGrp/TotalAmt01525468
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt059656406
IRS990/TotalLiabilitiesEOYAmt067907531
IRS990/TotalLiabilitiesGrp/BOYAmt059656406
IRS990/TotalLiabilitiesGrp/EOYAmt067907531
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt05069155
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt05353801
IRS990/TotalOtherCompensationAmt06300
IRS990/TotalProgramServiceExpensesAmt01525468
IRS990/TotalProgramServiceRevenueAmt01433282
IRS990/TotalReportableCompFromOrgAmt0128781
IRS990/TotalRevenueGrp/ExclusionAmt079201
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt01730913
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt01810114
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt014
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt064725561
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt073261332
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TravelGrp/TotalAmt012687
IRS990/TypeOfOrganizationOtherInd0X
IRS990/UnrelatedBusIncmOverLimitInd00
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt02101 NW PROFESSIONAL DRIVE
IRS990/USAddress/CityNm0CORVALLIS
IRS990/USAddress/StateAbbreviationCd0OR
IRS990/USAddress/ZIPCd097330
IRS990/VotingMembersGoverningBodyCnt05
IRS990/VotingMembersIndependentCnt04
IRS990/WebsiteAddressTxt0WWW.BCSCU.ORG
IRS990/WhistleblowerPolicyInd00
ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/AuthenticationAssuranceLevelCd0AAL1
ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/IdentityAssuranceLevelCd0IAL1
ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/TrustedCustomerCd03
ReturnHeader/BuildTS02022-09-23 18:48:47Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0CASSIE LASSWELL
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0CFO
ReturnHeader/BusinessOfficerGrp/PhoneNum05417547765
ReturnHeader/BusinessOfficerGrp/SignatureDt02022-07-06
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0BENTON COUNTY SCHOOLS CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0BENT
ReturnHeader/Filer/EIN0930465079
ReturnHeader/Filer/PhoneNum05417547765
ReturnHeader/Filer/USAddress/AddressLine1Txt02101 NW PROFESSIONAL DRIVE
ReturnHeader/Filer/USAddress/CityNm0CORVALLIS
ReturnHeader/Filer/USAddress/StateAbbreviationCd0OR
ReturnHeader/Filer/USAddress/ZIPCd097330
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/PreparationDt02022-07-06
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0PAUL J ANASTASI CPA
ReturnHeader/ReturnTs02022-07-06T14:49:46-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/SigningOfficerGrp/PersonFullName/PersonFirstNm0CASSIE
ReturnHeader/SigningOfficerGrp/PersonFullName/PersonLastNm0LASSWELL
ReturnHeader/TaxPeriodBeginDt02021-01-01
ReturnHeader/TaxPeriodEndDt02021-12-31
ReturnHeader/TaxYr02021

Document Assets

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Filings

Displayed year

2021 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$73,261,332
Liabilities
$67,907,531
Net assets
$5,353,801
Revenue
$1,810,114
Expenses
$1,525,468
Net income
$284,646
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
2021Detailed filing. Detailed filing data is available for this year.$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
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