Civic Intelligence

Barstow Community Credit Union

990 • Fiscal year 2017 • EIN 95-1876877

Jan 01, 2017 to Dec 31, 2017 • Filed on Nov 14, 2018

Organization ProfileN/A
305 E Main StBarstow, CA 92311

(760) 256-2591

Siviq Scores

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

Liabilities / Assets

69th percentile

0.89x

Higher debt load relative to assets than 69% of similar nonprofits.

2017 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2017

Liabilities / Revenue

63rd percentile

21.36x

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

2017 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2017

Net Margin

11th percentile

-16%

Higher net margin than 11% of similar nonprofits.

2017 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2017

Top Officer Pay

70th percentile

$64,378

Higher top officer pay than 70% of similar nonprofits.

Top officer pay equals 17.9% of source-year revenue.

2017 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2017

Asset Growth

42nd percentile

-0.1%

Faster asset growth than 42% of similar nonprofits.

2017 filings • 501(c)14 • $5M-$10M nonprofits • Annualized from 2016 to 2017

Revenue Growth

12th percentile

-5.3%

Faster revenue growth than 12% of similar nonprofits.

2017 filings • 501(c)14 • $5M-$10M nonprofits • Annualized from 2016 to 2017

Balance Sheet
Liabilities / Assets69th percentile

Assets

Down

$8,647,099

Down $8,258 (-0.1%) from 2016

Net Assets

Down

$976,606

Down $61,368 (-5.9%) from 2016

Liabilities

Up

$7,670,493

Up $53,110 (+0.7%) from 2016

Revenue And Expenses
Liabilities / Revenue63rd percentileNet Margin11th percentile

Revenue

Down

$359,075

Down $20,165 (-5.3%) from 2016

Expenses

Up

$417,081

Up $51,494 (+14%) from 2016

Net Income

Down

-$58,006

Down $71,659 (-525%) from 2016

Historical Trend

Balance Sheet Trend

Asset Growth42nd percentile

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

$15M$10M$5.0M$0Assets 2010: $11,850,683Liabilities 2010: $10,950,355Net Assets 2010: $900,3282010Assets 2011: $10,078,025Liabilities 2011: $9,163,022Net Assets 2011: $915,0032011Assets 2012: $9,346,671Liabilities 2012: $8,359,780Net Assets 2012: $986,8912012Assets 2013: $8,795,293Liabilities 2013: $7,772,760Net Assets 2013: $1,022,5332013Assets 2015: $7,664,667Liabilities 2015: $6,640,346Net Assets 2015: $1,024,3212015Assets 2016: $8,655,357Liabilities 2016: $7,617,383Net Assets 2016: $1,037,9742016Assets 2017: $8,647,099Liabilities 2017: $7,670,493Net Assets 2017: $976,6062017Assets 2018: $8,319,852Liabilities 2018: $7,360,993Net Assets 2018: $958,8592018Assets 2019: $7,838,590Liabilities 2019: $7,030,757Net Assets 2019: $807,8332019Assets 2020: $7,426,397Liabilities 2020: $6,823,442Net Assets 2020: $602,9552020Assets 2021: $7,114,842Liabilities 2021: $6,729,137Net Assets 2021: $385,7052021

Highlighted filing

2017

Assets$8,647,099
Liabilities$7,670,493
Net Assets$976,606
Open 2017 Filing

Operations Trend

Revenue Growth12th percentile

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

$1.0M$500K$0-$500KExpenses 2010: $593,1102010Expenses 2011: $407,9862011Expenses 2012: $314,7502012Revenue 2013: $358,953Expenses 2013: $323,311Net Income 2013: $35,6422013Revenue 2015: $354,675Expenses 2015: $354,665Net Income 2015: $102015Revenue 2016: $379,240Expenses 2016: $365,587Net Income 2016: $13,6532016Revenue 2017: $359,075Expenses 2017: $417,081Net Income 2017: -$58,0062017Revenue 2018: $358,982Expenses 2018: $376,729Net Income 2018: -$17,7472018Revenue 2019: $349,674Expenses 2019: $500,700Net Income 2019: -$151,0262019Revenue 2020: $325,552Expenses 2020: $530,430Net Income 2020: -$204,8782020Revenue 2021: $228,053Expenses 2021: $445,303Net Income 2021: -$217,2502021

Highlighted filing

2017

Revenue$359,075
Expenses$417,081
Net Income-$58,006
Open 2017 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2017 to Dec 31, 2017
Signed
Nov 14, 2018
Return Version
2017v2.2
Gross Receipts
$359,075
Mission and Program Overview

Mission

Non-profit, State Chartered Natural Person Credit Union. Provide competitive financial services to the members of Barstow Community Credit Union.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$3,592,913$3,928,641▲ $335,728
Savings and Temporary Cash Investments$1,882,896$2,546,706▲ $663,810
Investments Program Related$2,480,000$1,488,000▼ $992,000
Rtn Earn Endowment Incm Other Fnds$1,034,612$976,606▼ $58,006
Land, Buildings, and Equipment, Net$581,021$577,501▼ $3,520
Cash and Non-Interest-Bearing Accounts$550$550→ $0
Accounts Receivable-$0-
Pledges and Grants Receivable-$0-
Receivable From Disqualified Prsn-$0-
Receivables From Officers Etc-$0-
Investments Other Securities-$0-
Investments in Publicly Traded Securities-$0-
Intangible Assets-$0-
Inventories for Sale or Use-$0-
Prepaid Expenses and Deferred Charges-$0-
Total Assets$8,656,274$8,647,099▼ $9,175
Other Assets Total$118,894$105,701▼ $13,193
Liabilities
Other Liabilities$7,608,456$7,657,610▲ $49,154
Accounts Payable and Accrued Expenses$13,206$12,883▼ $323
Total Liabilities$7,621,662$7,670,493▲ $48,831
Net Assets / Fund Balance
Total Net Assets Fund Balance$1,034,612$976,606▼ $58,006
Total Liabilities and Net Assets / Fund Balance$8,656,274$8,647,099▼ $9,175

Asset Categories

AssetBook ValueDepreciationBasis
Leasehold Improvements$294,152$37,684$331,836
Buildings$214,485$21,645$236,130
Other Land Buildings$43,864$35,557$79,421
Land$25,000-$25,000
Compensation and Service Providers
Top Officer Pay70th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Yvonne SaavedraManagerFT$64,378$64,378

Board Members and Trustees

NameTitle
Charles FernandezBD President
Albert SisnerosBD Member
Thomas JamesBD Member
William HanifyBD Member
Dee ApocadaBD Secretary
Mark RodriguezBD Vice Pres
Maria JamesSC Member
Steve DingmanSC Member
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$307,386
Investment Income
$21,424
Other Revenue
$30,265
Change in Net Assets
$-58,006
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$190,014
Other Expenses$187,572
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$125,636
Office Expenses---$79,332
Current Officers, Directors, Trustees, and Key Employees---$64,378
Benefits to Members---$39,495
Occupancy---$34,354
Fees for Services Other---$26,039
Other Expenses---$5,946
All Other Expenses---$3,039
Advertising---$1,835
Total Functional Expenses$0$0$0$417,081
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 Disqualified Persons-$0-
Receivables from Officers, Directors, Trustees, and Key Employees-$0-
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Share savings$5,855,438
Other deposits$1,801,307
Share drafts$863
Rounding$2
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Backup withholding compliance
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
No
Other officer compensation reviewed
No
Conflict-of-interest policy
Yes
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

“The return preparer e-mails a draft of the form 990 to a designated officer and/or ceo of the credit union for review. The designated individual(s) review the draft and present any questions, comments, or corrections to the return preparer. Upon satisfactory completion of the form 990, the organization's authorized individual signs the appropriate signature form(s) to authorize the electronic filing of the return. A copy of the form 990, as filed, is provided by the return preparer to theorganization's ceo or other designated individual(s).”

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

“Governing documents are available upon request. Certain documents are presented at the annual meeting and posted in the lobby.other information are also available at ncua website.”

Filing and Contact Details

Filer

Filer Name
Barstow Community Credit Union
EIN
95-1876877
Phone
7602562591
Address
305 E Main St, Barstow, CA 92311

Signing Officer

Name
Yvonne Dingman
Title
CEO
Signed
2018-11-14
Discuss with paid preparer
No

Organization Details

Principal Officer
Charles Fernandez
Voting Board Members
9
Independent Board Members
0
Employees
3

Preparer

Firm
Richards & Associates
Address
21520 YORBA LINDA BLVD G-516, YORBA LINDA, CA 92887
Phone
7142876713
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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/ReceivablesFromOfficersEtcGrp/EOYAmt00
IRS990/ReconcilationRevenueExpnssAmt0-58006
IRS990/RegularMonitoringEnfrcInd0true
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/RentalIncomeOrLossGrp/RealAmt05500
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0true
IRS990/RoyaltiesGrp/TotalAmt00
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt01034612
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt0976606
IRS990/SavingsAndTempCashInvstGrp/BOYAmt01882896
IRS990/SavingsAndTempCashInvstGrp/EOYAmt02546706
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/BuildingsGrp/BookValueAmt0214485
IRS990ScheduleD/BuildingsGrp/DepreciationAmt021645
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt0236130
IRS990ScheduleD/LandGrp/BookValueAmt025000
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt025000
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt0294152
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt037684
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt0331836
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt043864
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt035557
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt079421
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt01801307
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt12
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt2863
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt35855438
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0Other deposits
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1Rounding
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc2Share drafts
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc3Share savings
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0577501
IRS990ScheduleD/TotalBookValueProgramRltdAmt01488000
IRS990ScheduleD/TotalLiabilityAmt07657610
IRS990/ScheduleJRequiredInd0false
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE RETURN PREPARER E-MAILS A DRAFT OF THE FORM 990 TO A DESIGNATED OFFICER AND/OR CEO OF THE CREDIT UNION FOR REVIEW. THE DESIGNATED INDIVIDUAL(S) REVIEW THE DRAFT AND PRESENT ANY QUESTIONS, COMMENTS, OR CORRECTIONS TO THE RETURN PREPARER. UPON SATISFACTORY COMPLETION OF THE FORM 990, THE ORGANIZATION'S AUTHORIZED INDIVIDUAL SIGNS THE APPROPRIATE SIGNATURE FORM(S) TO AUTHORIZE THE ELECTRONIC FILING OF THE RETURN. A COPY OF THE FORM 990, AS FILED, IS PROVIDED BY THE RETURN PREPARER TO THEORGANIZATION'S CEO OR OTHER DESIGNATED INDIVIDUAL(S).
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1GOVERNING DOCUMENTS ARE AVAILABLE UPON REQUEST. CERTAIN DOCUMENTS ARE PRESENTED AT THE ANNUAL MEETING AND POSTED IN THE LOBBY.OTHER INFORMATION ARE ALSO AVAILABLE AT NCUA WEBSITE.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990, Part VI, Line 11b: Form 990 Review Process
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 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/TotalAssetsBOYAmt08656274
IRS990/TotalAssetsEOYAmt08647099
IRS990/TotalAssetsGrp/BOYAmt08656274
IRS990/TotalAssetsGrp/EOYAmt08647099
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalContributionsAmt00
IRS990/TotalEmployeeCnt03
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt0417081
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt07621662
IRS990/TotalLiabilitiesEOYAmt07670493
IRS990/TotalLiabilitiesGrp/BOYAmt07621662
IRS990/TotalLiabilitiesGrp/EOYAmt07670493
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt01034612
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt0976606
IRS990/TotalProgramServiceRevenueAmt0307386
IRS990/TotalReportableCompFromOrgAmt064378
IRS990/TotalRevenueGrp/ExclusionAmt021424
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0337651
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0359075
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt08656274
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt08647099
IRS990/TravelGrp/TotalAmt00
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt0305 E Main St
IRS990/USAddress/CityNm0Barstow
IRS990/USAddress/StateAbbreviationCd0CA
IRS990/USAddress/ZIPCd092311
IRS990/VotingMembersGoverningBodyCnt09
IRS990/VotingMembersIndependentCnt00
IRS990/WebsiteAddressTxt0N/A
IRS990/WhistleblowerPolicyInd0true
ReturnHeader/BuildTS02019-02-21 02:37:17Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0false
ReturnHeader/BusinessOfficerGrp/PersonNm0Yvonne Dingman
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0CEO
ReturnHeader/BusinessOfficerGrp/SignatureDt02018-11-14
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0Barstow Community Credit Union
ReturnHeader/Filer/BusinessNameControlTxt0BARS
ReturnHeader/Filer/EIN0951876877
ReturnHeader/Filer/PhoneNum07602562591
ReturnHeader/Filer/USAddress/AddressLine1Txt0305 E Main St
ReturnHeader/Filer/USAddress/CityNm0Barstow
ReturnHeader/Filer/USAddress/StateAbbreviationCd0CA
ReturnHeader/Filer/USAddress/ZIPCd092311
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0RICHARDS & ASSOCIATES
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt021520 YORBA LINDA BLVD G-516
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0YORBA LINDA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0CA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd092887
ReturnHeader/PreparerPersonGrp/PhoneNum07142876713
ReturnHeader/ReturnTs02018-11-14T13:07:23-08:00
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
$8,647,099
Liabilities
$7,670,493
Net assets
$976,606
Revenue
$359,075
Expenses
$417,081
Net income
-$58,006
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2021Detailed filing. Detailed filing data is available for this year.$7.11$6.73$0.39$0.23$0.45$0.22
2020Detailed filing. Detailed filing data is available for this year.$7.43$6.82$0.60$0.33$0.53$0.20
2019Detailed filing. Detailed filing data is available for this year.$7.84$7.03$0.81$0.35$0.50$0.15
2018Detailed filing. Detailed filing data is available for this year.$8.32$7.36$0.96$0.36$0.38$0.02
2017Detailed filing. Detailed filing data is available for this year.$8.65$7.67$0.98$0.36$0.42$0.06
2016Detailed filing. Detailed filing data is available for this year.$8.66$7.62$1.04$0.38$0.37$0.01
2015Detailed filing. Detailed filing data is available for this year.$7.66$6.64$1.02$0.35$0.35$0.00
2013Detailed filing. Detailed filing data is available for this year.$8.80$7.77$1.02$0.36$0.32$0.04
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$9.35$8.36$0.99$0.31
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$10.1$9.16$0.92$0.41
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$11.9$11.0$0.90$0.59