Civic Intelligence

Bay Cities Bible Institute

EIN 94-6108651 • 501(c)3 • Berkeley, CA

Pub. 78 Eligible

Profile

Christian education and training

2000 Allston Way - Box 557Berkeley, CA 94701

baycitiesbiblecollege.org

Siviq Scores

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

Liabilities / Assets

63rd percentile

0.00x

Higher debt load relative to assets than 63% of similar nonprofits.

501(c)3 • <$500k nonprofits • Source year 2025

Liabilities / Revenue

76th percentile

0.03x

Higher debt load relative to revenue than 76% of similar nonprofits.

501(c)3 • <$500k nonprofits • Source year 2025

Net Margin

74th percentile

20%

Higher net margin than 74% of similar nonprofits.

501(c)3 • <$500k nonprofits • Source year 2025

Top Officer Pay

81st percentile

$0

Higher top officer pay than 81% of similar nonprofits.

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

501(c)3 • <$500k nonprofits • Source year 2025

Asset Growth

61st percentile

4.0%

Faster asset growth than 61% of similar nonprofits.

501(c)3 • <$500k nonprofits • Annualized from 2024 to 2025

Revenue Growth

40th percentile

-12%

Faster revenue growth than 40% of similar nonprofits.

501(c)3 • <$500k nonprofits • Annualized from 2024 to 2025

Balance Sheet
Liabilities / Assets63rd percentile

Assets

Up

$427,796

Up $16,305 (+4.0%) from 2024

Liabilities

Down

$1,021

Down $579 (-36%) from 2024

Net Assets

Up

$426,775

Up $16,884 (+4.1%) from 2024

Operations
Liabilities / Revenue76th percentileNet Margin74th percentile

Revenue

Down

$31,648

Down $4,181 (-12%) from 2024

Expenses

Down

$25,327

Down $2,942 (-10%) from 2024

Net Income

Down

$6,321

Down $1,239 (-16%) from 2024

Trend Graphs

Balance Sheet Trend

Asset Growth61st percentile

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

$600K$400K$200K$0Assets 2010: $520,907Liabilities 2010: $1,075Net Assets 2010: $519,8322010Assets 2011: $522,016Liabilities 2011: $909Net Assets 2011: $521,1072011Assets 2012: $487,021Liabilities 2012: $995Net Assets 2012: $486,0262012Assets 2013: $464,896Liabilities 2013: $1,509Net Assets 2013: $463,3872013Assets 2014: $442,684Liabilities 2014: $1,419Net Assets 2014: $441,2652014Assets 2015: $421,768Liabilities 2015: $1,796Net Assets 2015: $419,9722015Assets 2016: $383,139Liabilities 2016: $2,430Net Assets 2016: $380,7092016Assets 2017: $377,595Liabilities 2017: $2,471Net Assets 2017: $375,1242017Assets 2018: $380,181Liabilities 2018: $2,081Net Assets 2018: $378,1002018Assets 2019: $374,895Liabilities 2019: $2,224Net Assets 2019: $372,6712019Assets 2020: $353,412Liabilities 2020: $2,2952020Assets 2021: $416,136Liabilities 2021: $2,208Net Assets 2021: $413,9282021Assets 2022: $390,722Liabilities 2022: $1,979Net Assets 2022: $388,7432022Assets 2023: $377,171Liabilities 2023: $2,139Net Assets 2023: $375,0322023Assets 2024: $411,491Liabilities 2024: $1,600Net Assets 2024: $409,8912024Assets 2025: $427,796Liabilities 2025: $1,021Net Assets 2025: $426,7752025

Highlighted filing

2025

Assets$427,796
Liabilities$1,021
Net Assets$426,775
Open 2025 Filing

Operations Trend

Revenue Growth40th percentile

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

$100K$50K$0-$50KExpenses 2010: $66,7842010Expenses 2011: $69,8702011Expenses 2012: $78,9732012Expenses 2013: $75,4332013Revenue 2014: $59,315Expenses 2014: $83,544Net Income 2014: -$24,2292014Revenue 2015: $52,515Expenses 2015: $76,656Net Income 2015: -$24,1412015Revenue 2016: $36,644Expenses 2016: $69,227Net Income 2016: -$32,5832016Revenue 2017: $28,320Expenses 2017: $49,278Net Income 2017: -$20,9582017Revenue 2018: $31,263Expenses 2018: $31,955Net Income 2018: -$6922018Revenue 2019: $27,254Expenses 2019: $32,758Net Income 2019: -$5,5042019Revenue 2020: $33,096Expenses 2020: $37,254Net Income 2020: -$4,1582020Revenue 2021: $29,570Expenses 2021: $31,611Net Income 2021: -$2,0412021Revenue 2022: $56,985Expenses 2022: $29,103Net Income 2022: $27,8822022Revenue 2023: $23,493Expenses 2023: $32,561Net Income 2023: -$9,0682023Revenue 2024: $35,829Expenses 2024: $28,269Net Income 2024: $7,5602024Revenue 2025: $31,648Expenses 2025: $25,327Net Income 2025: $6,3212025

Highlighted filing

2025

Revenue$31,648
Expenses$25,327
Net Income$6,321
Open 2025 Filing

Filings

Most recent year

2025 • Form 990EZDetailed filing. Detailed filing data is available for this year.

Open filing
Assets
$427,796
Liabilities
$1,021
Net assets
$426,775
Revenue
$31,648
Expenses
$25,327
Net income
$6,321
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2025Detailed filing. Detailed filing data is available for this year.$4.28$0.01$4.27$0.32$0.25$0.06
2024Detailed filing. Detailed filing data is available for this year.$4.11$0.02$4.10$0.36$0.28$0.08
2023Detailed filing. Detailed filing data is available for this year.$3.77$0.02$3.75$0.23$0.33$0.09
2022Detailed filing. Detailed filing data is available for this year.$3.91$0.02$3.89$0.57$0.29$0.28
2021Detailed filing. Detailed filing data is available for this year.$4.16$0.02$4.14$0.30$0.32$0.02
2020Summary only. Only limited summary data is available for this year.$3.53$0.02$0.33$0.37$0.04
2019Detailed filing. Detailed filing data is available for this year.$3.75$0.02$3.73$0.27$0.33$0.06
2018Detailed filing. Detailed filing data is available for this year.$3.80$0.02$3.78$0.31$0.32$0.01
2017Detailed filing. Detailed filing data is available for this year.$3.78$0.02$3.75$0.28$0.49$0.21
2016Detailed filing. Detailed filing data is available for this year.$3.83$0.02$3.81$0.37$0.69$0.33
2015Detailed filing. Detailed filing data is available for this year.$4.22$0.02$4.20$0.53$0.77$0.24
2014Detailed filing. Detailed filing data is available for this year.$4.43$0.01$4.41$0.59$0.84$0.24
2013Facts available. Structured filing facts are available, but richer extracted sections are limited.$4.65$0.02$4.63$0.75
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$4.87$0.01$4.86$0.79
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$5.22$0.01$5.21$0.70
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$5.21$0.01$5.20$0.67
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
May 1, 2024 to Apr 30, 2025
Signed
Mar 16, 2026
Return Version
2024v5.2
Gross Receipts
$49,616
Mission and Program Overview

Mission

Christian education and training

Program Services

DescriptionGrantsExpenses
CHRISTIAN EDUCATION AND TRAINING-$0
Compensation and Service Providers
Top Officer Pay81st percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
BRADFORD CHEWPresident-$0--
GEORGE SEVEREChairman-$0--
SAM MORGANVice Chairman-$0--
JEFF HOCKMANSecretary-$0--
FRANK DARBYTreasurer-$0--
ERIC HARDYBoard Member-$0--
Filing and Contact Details

Filer

Filer Name
Bay Cities Bible Institute
EIN
94-6108651
In Care Of
% BRADFORD CHEW
Phone
5102688060
Address
2000 ALLSTON WAY - BOX 557, BERKELEY, CA 94701

Signing Officer

Name
Bradford Chew
Title
President
Phone
5102688060
Signed
2026-03-16
Discuss with paid preparer
No

Preparer

Firm
Joe T Stevenson Jr CPA
Address
14895 E 14th Street Suite 410, San Leandro, CA 94578
Preparer
Joe T Stevenson Jr CPA
Phone
5108958889
Supplemental Narrative

Additional Explanations

Description of other expenses Part I line 16

“Description AmountADVERTISING 500OFFICE SUPPLIES 2,797INSURANCE 1,729TELEPHONE 599GRADUATION EXPENSE 569FOREIGN TAXES 66LPL INVESTMENT MANAGEMENT FEES 2,848”

Other changes in net assets or fund balances Part I line 20

“Description AmountUNREALIZED GAIN ON INVESTMENTS 10,563”

Description of other assets Part II line 24

“Category Beginning of Year End of YearACCOUNTS RECEIVABLE, NET 51,430 51,757”

Description of total liabilities Part II line 26

“Category Beginning of Year End of YearACCRUED EXPENSES 1,600 1,021”

Raw XML Appendix161 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
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IRS990EZ/BooksInCareOfDetail/PersonNm0CHANTEE ADKINS-MURPHY OFCE MANAGER
IRS990EZ/BooksInCareOfDetail/PhoneNum05102688060
IRS990EZ/BooksInCareOfDetail/USAddress/AddressLine1Txt01712 ALACATRAZ AVENUE
IRS990EZ/BooksInCareOfDetail/USAddress/CityNm0BERKELEY
IRS990EZ/BooksInCareOfDetail/USAddress/StateAbbreviationCd0CA
IRS990EZ/BooksInCareOfDetail/USAddress/ZIPCd094703
IRS990EZ/CashSavingsAndInvestmentsGrp/BOYAmt0360061
IRS990EZ/CashSavingsAndInvestmentsGrp/EOYAmt0376039
IRS990EZ/ChgMadeToOrgnzngDocNotRptInd0false
IRS990EZ/ContributionsGiftsGrantsEtcAmt03050
IRS990EZ/CostOrOtherBasisExpenseSaleAmt017968
IRS990EZ/DonorAdvisedFndsInd0false
IRS990EZ/EngagedInExcessBenefitTransInd0false
IRS990EZ/ExcessOrDeficitForYearAmt06321
IRS990EZ/FeesAndOtherPymtToIndCntrctAmt0348
IRS990EZ/FiledScheduleAInd0true
IRS990EZ/ForeignFinancialAccountInd0false
IRS990EZ/ForeignOfficeInd0false
IRS990EZ/Form990TotalAssetsGrp/BOYAmt0411491
IRS990EZ/Form990TotalAssetsGrp/EOYAmt0427796
IRS990EZ/GainOrLossFromSaleOfAssetsAmt010355
IRS990EZ/GrossReceiptsAmt049616
IRS990EZ/InfoInScheduleOPartIIInd0X
IRS990EZ/InfoInScheduleOPartIInd0X
IRS990EZ/InvestmentIncomeAmt09262
IRS990EZ/LandAndBuildingsGrp/BOYAmt00
IRS990EZ/LandAndBuildingsGrp/EOYAmt00
IRS990EZ/LobbyingActivitiesInd0false
IRS990EZ/MadeLoansToFromOfficersInd0false
IRS990EZ/MethodOfAccountingAccrualInd0X
IRS990EZ/NetAssetsOrFundBalancesBOYAmt0409891
IRS990EZ/NetAssetsOrFundBalancesEOYAmt0426775
IRS990EZ/NetAssetsOrFundBalancesGrp/BOYAmt0409891
IRS990EZ/NetAssetsOrFundBalancesGrp/EOYAmt0426775
IRS990EZ/OccupancyRentUtltsAndMaintAmt05000
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt04.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt14.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt22.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt32.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt42.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt52.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt10
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt20
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt30
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt40
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt50
IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt10
IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt20
IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt30
IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt40
IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt50
IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt10
IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt20
IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt30
IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt40
IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt50
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm0BRADFORD CHEW
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm1GEORGE SEVERE
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm2SAM MORGAN
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm3JEFF HOCKMAN
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm4FRANK DARBY
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm5ERIC HARDY
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt0PRESIDENT
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt1CHAIRMAN
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt2VICE CHAIRMAN
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt3SECRETARY
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt4TREASURER
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt5BOARD MEMBER
IRS990EZ/OperateHospitalInd0false
IRS990EZ/Organization501c3Ind0X
IRS990EZ/OrganizationDissolvedEtcInd0false
IRS990EZ/OrganizationHadUBIInd0false
IRS990EZ/OtherAssetsTotalDetail/BOYAmt051430
IRS990EZ/OtherAssetsTotalDetail/EOYAmt051757
IRS990EZ/OtherChangesInNetAssetsAmt010563
IRS990EZ/OtherExpensesTotalAmt09108
IRS990EZ/PartVIHghstPdCntrctProfSrvcTxt0NONE
IRS990EZ/PartVIOfCompOfHghstPdEmplTxt0NONE
IRS990EZ/PrimaryExemptPurposeTxt0CHRISTIAN EDUCATION AND TRAINING
IRS990EZ/ProgramServiceRevenueAmt08981
IRS990EZ/ProgramSrvcAccomplishmentGrp/DescriptionProgramSrvcAccomTxt0CHRISTIAN EDUCATION AND TRAINING
IRS990EZ/ProgramSrvcAccomplishmentGrp/ProgramServiceExpensesAmt00
IRS990EZ/ProhibitedTaxShelterTransInd0false
IRS990EZ/RelatedOrganizationCtrlEntInd0false
IRS990EZ/SalariesOtherCompEmplBnftAmt010871
IRS990EZ/SaleOfAssetsGrossAmt028323
IRS990EZ/ScheduleBNotRequiredInd0X
IRS990EZ/SchoolOperatingInd0true
IRS990EZ/SubjectToProxyTaxInd0false
IRS990EZ/SumOfTotalLiabilitiesGrp/BOYAmt01600
IRS990EZ/SumOfTotalLiabilitiesGrp/EOYAmt01021
IRS990EZ/TanningServicesProvidedInd0false
IRS990EZ/TotalExpensesAmt025327
IRS990EZ/TotalProgramServiceExpensesAmt00
IRS990EZ/TotalRevenueAmt031648
IRS990EZ/TransactionWithControlEntInd0false
IRS990EZ/TrnsfrExmptNonChrtblRltdOrgInd0false
IRS990EZ/TypeOfOrganizationCorpInd0X
IRS990EZ/WebsiteAddressTxt0BAYCITIESBIBLECOLLEGE.ORG
IRS990ScheduleA/SchoolInd0X
IRS990ScheduleE/ComplianceWithRevProc7550Ind0true
IRS990ScheduleE/DiscriminateRaceAdmissPlcyInd0false
IRS990ScheduleE/DiscriminateRaceAthltProgInd0false
IRS990ScheduleE/DiscriminateRaceEducPlcyInd0false
IRS990ScheduleE/DiscriminateRaceEmplmFcultyInd0false
IRS990ScheduleE/DiscriminateRaceOtherActyInd0false
IRS990ScheduleE/DiscriminateRaceSchsInd0false
IRS990ScheduleE/DiscriminateRaceStdntsRghtsInd0false
IRS990ScheduleE/DiscriminateRaceUseOfFcltsInd0false
IRS990ScheduleE/GovernmentFinancialAidRcvdInd0false
IRS990ScheduleE/GovernmentFinancialAidRvkdInd0false
IRS990ScheduleE/MaintainCpyOfAllSolInd0true
IRS990ScheduleE/MaintainCpyOfBrochuresEtcInd0true
IRS990ScheduleE/MaintainRacialCompRecsInd0true
IRS990ScheduleE/MaintainScholarshipsRecsInd0true
IRS990ScheduleE/NondiscriminatoryPolicyStmtInd0true
IRS990ScheduleE/PlcyPblczdViaBroadcastMediaInd0true
IRS990ScheduleE/PolicyStmtInBrochuresEtcInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0Description AmountADVERTISING 500OFFICE SUPPLIES 2,797INSURANCE 1,729TELEPHONE 599GRADUATION EXPENSE 569FOREIGN TAXES 66LPL INVESTMENT MANAGEMENT FEES 2,848
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1Description AmountUNREALIZED GAIN ON INVESTMENTS 10,563
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2Category Beginning of Year End of YearACCOUNTS RECEIVABLE, NET 51,430 51,757
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3Category Beginning of Year End of YearACCRUED EXPENSES 1,600 1,021
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Description of other expenses Part I line 16
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Other changes in net assets or fund balances Part I line 20
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Description of other assets Part II line 24
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Description of total liabilities Part II line 26
ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0false
ReturnHeader/BusinessOfficerGrp/PersonNm0BRADFORD CHEW
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT
ReturnHeader/BusinessOfficerGrp/PhoneNum05102688060
ReturnHeader/BusinessOfficerGrp/SignatureDt02026-03-16
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0BAY CITIES BIBLE INSTITUTE
ReturnHeader/Filer/BusinessNameControlTxt0BAYC
ReturnHeader/Filer/EIN0946108651
ReturnHeader/Filer/InCareOfNm0% BRADFORD CHEW
ReturnHeader/Filer/PhoneNum05102688060
ReturnHeader/Filer/USAddress/AddressLine1Txt02000 ALLSTON WAY - BOX 557
ReturnHeader/Filer/USAddress/CityNm0BERKELEY
ReturnHeader/Filer/USAddress/StateAbbreviationCd0CA
ReturnHeader/Filer/USAddress/ZIPCd094701
ReturnHeader/IRSResponsiblePrtyInfoCurrInd0true
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0943063016
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0Joe T Stevenson Jr CPA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt014895 E 14th Street Suite 410
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0San Leandro
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0CA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd094578
ReturnHeader/PreparerPersonGrp/PhoneNum05108958889
ReturnHeader/PreparerPersonGrp/PreparationDt02026-03-16
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0JOE T STEVENSON JR CPA
ReturnHeader/PreparerPersonGrp/SelfEmployedInd0X
ReturnHeader/ReturnTs02026-03-16T20:43:15-04:00
ReturnHeader/ReturnTypeCd0990EZ
ReturnHeader/TaxPeriodBeginDt02024-05-01
ReturnHeader/TaxPeriodEndDt02025-04-30
ReturnHeader/TaxYr02024

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