{"success":true,"data":{"_id":376036417,"filings":[{"Organization":{"value":null,"Person":["Cindy Blasa","Kary Morgan","April Wrenn","Dee Haar","Eve Remiszewski","Terrina Harris","Stephen Lowrance","Joseph Schoppet","Kim Muin"],"Title":["Director","Director","Director","Director","Director","Vice Chair","Chair","Treasurer","Secretary"],"Hours":[0.0,0.0,0.0,0.0,0.0,0.0,0.0,0.0,0.0],"Total Compensation":[0,0,0,0,0,0,0,0,0],"Direct compensation":[0,0,0,0,0,0,0,0,0],"Other compensation":[0,0,0,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"To assist our members by providing loans and savings accounts.","year":2021,"name":"BEA Credit Union","phone":null,"website":null,"type":"990","affiliation":null,"foreign_countries":null,"principal_officer":null,"year_formation":1954,"state_legal_domicile":"IL","total_volunteers":null,"tax_period_begin":"2021-01-01T00:00:00","tax_period_end":"2021-12-31T00:00:00","address":"101 School Street, Bethalto, IL, 62010, USA","city":"Bethalto","state":"IL","country":"USA","zip_code":62010},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":9,"Number of independent voting members":9,"Number of employees total":2,"Total Gross UBI":0,"Net unrelated business taxable income":0,"Number of employees":2,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":148577,"Contributions":{"value":3025,"Other contributions":0,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":3025,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":105189,"Total revenue":105189,"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":1493,"Investment income total":1493,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":38870,"Other total":38870,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":130889,"Grant expense":{"value":0,"Grants to domestic orgs":0,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":0,"Benefits paid to members Total":0},"Salaries":{"value":38696,"Current officers":32782,"Disqualified persons":0,"Other salaries and wages":2943,"Pension plan contributions":0,"Other employee benefits":0,"Payroll taxes":2971},"Other expenses":{"value":92193,"Management services":6676,"Legal":4656,"Accounting":13905,"Lobbying services":0,"Investment management fees":0,"Other services":0,"Advertising":2305,"Office expenses":3062,"Information technology":8227,"Royalties":0,"Occupancy":2294,"Travel":0,"Conferences and meetings":4786,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":0,"Insurance":6363,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":39919,"Association Dues":4920,"Supervision Fee":3951,"Loan Loss Provision":13748,"Dividend":17300},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":130889,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":3216242,"Non-interest bearing cash":1218824,"Savings and temp cash investments":307374,"Pledges and grants receivable":0,"Accounts receivable":0,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":1655247,"Inventories for sale or use":0,"Prepaid expenses deferred charges":34797,"Land, building, equipment":0,"Investments publicly traded":0,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":0},"Liabilities":{"value":2641498,"Sum of Total Liabilities":0,"Accounts payable, accrued":861,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":2640637},"Fund balance":{"value":574744,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":1.0,"percentile":0.9996999186356569},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.11904938180202858,"percentile":0.6542997819910371},"Liabilities to Assets Ratio":{"score":0.8212995166408498,"percentile":0.07605496589007806},"Operating Reserve Ratio":{"score":24.57228644118299,"percentile":0.9579247973883339},"Officer Compensation Ratio":{"score":null,"percentile":null},"Program Expense Growth":{"score":0.029067722839164676,"percentile":0.4447905357407577},"Revenue Growth":{"score":-0.01582158946991716,"percentile":0.30987490799588224},"Asset Growth":{"score":-0.02640999855877111,"percentile":0.2244832732285586},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.7056422258360038,"percentile":0.8579618801199828}},"source_xml":"202221389349300312_public.xml"},{"Organization":{"value":null,"Person":["Stephen Lowrance","Eve Remiszewski","Joseph Schoppet","Cindy Blasa","Kim Muin","Terrina Harris","Lisa Rogers","April Wrenn","Linda Rohe","Sandra Wilson"],"Title":["Chairman","Vice Chairman","Treasurer","Director","Secretary","Director","Director","Director","Director","Director"],"Hours":[0.0,0.0,0.0,0.0,0.0,0.0,0.0,0.0,0.0,0.0],"Total Compensation":[0,0,0,0,0,0,0,0,0,0],"Direct compensation":[0,0,0,0,0,0,0,0,0,0],"Other compensation":[0,0,0,0,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"To assist our members by providing loans and savings accounts.","year":2019,"name":"BEA Credit Union","phone":null,"website":null,"type":"990","affiliation":null,"foreign_countries":null,"principal_officer":null,"year_formation":1954,"state_legal_domicile":"IL","total_volunteers":null,"tax_period_begin":"2019-01-01T00:00:00","tax_period_end":"2019-12-31T00:00:00","address":"101 School Street, Bethalto, IL, 62010, USA","city":"Bethalto","state":"IL","country":"USA","zip_code":62010},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":10,"Number of independent voting members":10,"Number of employees total":2,"Total Gross UBI":0,"Net unrelated business taxable income":0,"Number of employees":2,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":151489,"Contributions":{"value":713,"Other contributions":0,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":713,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":145446,"Total revenue":145446,"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":4579,"Investment income total":4579,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":751,"Other total":751,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":153143,"Grant expense":{"value":0,"Grants to domestic orgs":0,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":0,"Benefits paid to members Total":0},"Salaries":{"value":35066,"Current officers":30900,"Disqualified persons":0,"Other salaries and wages":1680,"Pension plan contributions":0,"Other employee benefits":0,"Payroll taxes":2486},"Other expenses":{"value":118077,"Management services":2116,"Legal":9078,"Accounting":1920,"Lobbying services":0,"Investment management fees":0,"Other services":0,"Advertising":1562,"Office expenses":2524,"Information technology":5615,"Royalties":0,"Occupancy":1277,"Travel":0,"Conferences and meetings":4176,"Interest":6875,"Payments to affiliates":0,"Depreciation and depletion":0,"Insurance":5786,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":77148,"Association Dues":5560,"Supervision Fee":2599,"Loan Loss Provision":50955,"Dividend":18034},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":153143,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":3094571,"Non-interest bearing cash":366884,"Savings and temp cash investments":302933,"Pledges and grants receivable":0,"Accounts receivable":0,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":2394094,"Inventories for sale or use":0,"Prepaid expenses deferred charges":30660,"Land, building, equipment":0,"Investments publicly traded":0,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":0},"Liabilities":{"value":2465777,"Sum of Total Liabilities":0,"Accounts payable, accrued":889,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":2464888},"Fund balance":{"value":628794,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":1.0,"percentile":0.9996999186356569},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":-0.010918284495903994,"percentile":0.35821397731541027},"Liabilities to Assets Ratio":{"score":0.7968073765313511,"percentile":0.0794051206670239},"Operating Reserve Ratio":{"score":20.20706790385457,"percentile":0.9466105149306049},"Officer Compensation Ratio":{"score":null,"percentile":null},"Program Expense Growth":{"score":0.014382624820340839,"percentile":0.38090841396022795},"Revenue Growth":{"score":-0.0017907530565572265,"percentile":0.36171385648505494},"Asset Growth":{"score":-0.02400196298331242,"percentile":0.23248282016481314},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.65075728932131,"percentile":0.7435118469925204}},"source_xml":"202021269349300522_public.xml"},{"Organization":{"value":null,"Person":["Sandra Wilson","Jay Stemmley","Nathan Franklin","Cindy Blasa","Kim Muin","Terrina Harris","Stephen Lowrance","Breanna Hamilton","Eve Remiszewski","Linda Rohe","Tom Roth","Kim Wilks","Dorothy Franklin"],"Title":["Chairman","Vice Chairman","Treasurer","Director","Secretary","Director","Director","Director","Director","Director","Director","Director","Office Manager"],"Hours":[0.0,0.0,0.0,0.0,0.0,0.0,0.0,0.0,0.0,0.0,0.0,0.0,20.0],"Total Compensation":[0,0,3600,0,0,0,0,0,0,0,0,0,26600],"Direct compensation":[0,0,3600,0,0,0,0,0,0,0,0,0,26600],"Other compensation":[0,0,0,0,0,0,0,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"To assist our members by providing loans and savings accounts.","year":2014,"name":"BEA Credit Union","phone":null,"website":null,"type":"990","affiliation":null,"foreign_countries":null,"principal_officer":null,"year_formation":1954,"state_legal_domicile":"IL","total_volunteers":null,"tax_period_begin":"2014-01-01T00:00:00","tax_period_end":"2014-12-31T00:00:00","address":"610 Texas Blvd, Bethalto, IL, 62010, USA","city":"Bethalto","state":"IL","country":"USA","zip_code":62010},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":12,"Number of independent voting members":12,"Number of employees total":1,"Total Gross UBI":0,"Net unrelated business taxable income":0,"Number of employees":1,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":154946,"Contributions":{"value":60,"Other contributions":0,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":60,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":142193,"Total revenue":142193,"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":9568,"Investment income total":9568,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":3125,"Other total":3125,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":124946,"Grant expense":{"value":0,"Grants to domestic orgs":0,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":0,"Benefits paid to members Total":0},"Salaries":{"value":28748,"Current officers":26600,"Disqualified persons":0,"Other salaries and wages":0,"Pension plan contributions":0,"Other employee benefits":0,"Payroll taxes":2148},"Other expenses":{"value":96198,"Management services":3600,"Legal":2722,"Accounting":0,"Lobbying services":0,"Investment management fees":0,"Other services":0,"Advertising":2780,"Office expenses":3286,"Information technology":6118,"Royalties":0,"Occupancy":2154,"Travel":1040,"Conferences and meetings":3508,"Interest":137,"Payments to affiliates":0,"Depreciation and depletion":1100,"Insurance":6006,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":63747,"Association Dues":5769,"Supervision Fee":3185,"Loan Loss Provision":36692,"Dividend":18101},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":124946,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":3572826,"Non-interest bearing cash":38000,"Savings and temp cash investments":846753,"Pledges and grants receivable":0,"Accounts receivable":0,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":2649092,"Inventories for sale or use":0,"Prepaid expenses deferred charges":38981,"Land, building, equipment":0,"Investments publicly traded":0,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":0},"Liabilities":{"value":3100942,"Sum of Total Liabilities":0,"Accounts payable, accrued":0,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":3100942},"Fund balance":{"value":471884,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":1.0,"percentile":0.9996999186356569},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.19361584035728577,"percentile":0.7498220283006082},"Liabilities to Assets Ratio":{"score":0.8679241586352092,"percentile":0.06966847089554318},"Operating Reserve Ratio":{"score":28.594961023162007,"percentile":0.9651485502274638},"Officer Compensation Ratio":{"score":0.24170441630784498,"percentile":0.2515868988599529},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":null,"percentile":null},"Asset Growth":{"score":null,"percentile":null},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.8153018311449133,"percentile":0.9672811062672599}},"source_xml":"201521079349300012_public.xml"},{"Organization":{"value":null,"Person":["Lisa Callison","Kary Morgan","April Wrenn","Dee Haar","Stephen Lowrance","Joseph Schoppet","Terrina Harris"],"Title":["Director","Director","Director","Director","Chair","Treasurer","Vice Chair"],"Hours":[0.0,0.0,0.0,0.0,0.0,0.0,0.0],"Total Compensation":[0,0,0,0,0,0,0],"Direct compensation":[0,0,0,0,0,0,0],"Other compensation":[0,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"To assist our members by providing loans and savings accounts.","year":2024,"name":"BEA Credit Union","phone":6183773948,"website":null,"type":"990","affiliation":null,"foreign_countries":null,"principal_officer":null,"year_formation":1954,"state_legal_domicile":"IL","total_volunteers":null,"tax_period_begin":"2024-01-01T00:00:00","tax_period_end":"2024-12-31T00:00:00","address":"101 School Street, Bethalto, IL, 62010, USA","city":"Bethalto","state":"IL","country":"USA","zip_code":62010},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":7,"Number of independent voting members":7,"Number of employees total":2,"Total Gross UBI":0,"Net unrelated business taxable income":0,"Number of employees":2,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":146673,"Contributions":{"value":4960,"Other contributions":0,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":4960,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":132004,"Total revenue":132004,"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":9298,"Investment income total":9298,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":411,"Other total":411,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":133442,"Grant expense":{"value":0,"Grants to domestic orgs":0,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":0,"Benefits paid to members Total":0},"Salaries":{"value":46257,"Current officers":35821,"Disqualified persons":0,"Other salaries and wages":6935,"Pension plan contributions":0,"Other employee benefits":0,"Payroll taxes":3501},"Other expenses":{"value":87185,"Management services":5270,"Legal":2750,"Accounting":6900,"Lobbying services":0,"Investment management fees":0,"Other services":0,"Advertising":2670,"Office expenses":3985,"Information technology":7960,"Royalties":0,"Occupancy":2659,"Travel":0,"Conferences and meetings":5335,"Interest":12708,"Payments to affiliates":0,"Depreciation and depletion":0,"Insurance":5789,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":31159,"Association Dues":4790,"Supervision Fee":2861,"Dividend":13508,"Loan Loss Provision":10000},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":133442,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":2543142,"Non-interest bearing cash":406339,"Savings and temp cash investments":107214,"Pledges and grants receivable":0,"Accounts receivable":0,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":1993368,"Inventories for sale or use":0,"Prepaid expenses deferred charges":31997,"Land, building, equipment":0,"Investments publicly traded":0,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":4224},"Liabilities":{"value":1924312,"Sum of Total Liabilities":0,"Accounts payable, accrued":1152,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":75000,"Other liabilities":1848160},"Fund balance":{"value":618830,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":1.0,"percentile":0.9996999186356569},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.09020746831386826,"percentile":0.6059138981783809},"Liabilities to Assets Ratio":{"score":0.756667146388208,"percentile":0.08507119411765669},"Operating Reserve Ratio":{"score":19.058032703346772,"percentile":0.9428698053194062},"Officer Compensation Ratio":{"score":null,"percentile":null},"Program Expense Growth":{"score":-0.0008407200978669604,"percentile":0.31848130378637207},"Revenue Growth":{"score":-0.018497915108840263,"percentile":0.30119789431306065},"Asset Growth":{"score":-0.030770793940091686,"percentile":0.21081734550063683},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.6802678712002083,"percentile":0.8116642265202485}},"source_xml":"202521279349302817_public.xml"},{"Organization":{"value":null,"Person":["Cindy Blasa","Kary Morgan","April Wrenn","Dee Haar","Lisa Callison","Terrina Harris","Stephen Lowrance","Joseph Schoppet","Kim Muin"],"Title":["Director","Director","Director","Director","Director","Vice Chair","Chair","Treasurer","Secretary"],"Hours":[0.0,0.0,0.0,0.0,0.0,0.0,0.0,0.0,0.0],"Total Compensation":[0,0,0,0,0,0,0,0,0],"Direct compensation":[0,0,0,0,0,0,0,0,0],"Other compensation":[0,0,0,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"To assist our members by providing loans and savings accounts.","year":2022,"name":"BEA Credit Union","phone":null,"website":null,"type":"990","affiliation":null,"foreign_countries":null,"principal_officer":null,"year_formation":1954,"state_legal_domicile":"IL","total_volunteers":null,"tax_period_begin":"2022-01-01T00:00:00","tax_period_end":"2022-12-31T00:00:00","address":"101 School Street, Bethalto, IL, 62010, USA","city":"Bethalto","state":"IL","country":"USA","zip_code":62010},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":9,"Number of independent voting members":9,"Number of employees total":2,"Total Gross UBI":0,"Net unrelated business taxable income":0,"Number of employees":2,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":111775,"Contributions":{"value":3112,"Other contributions":0,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":3112,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":95393,"Total revenue":95393,"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":2017,"Investment income total":2017,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":11253,"Other total":11253,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":111434,"Grant expense":{"value":0,"Grants to domestic orgs":0,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":0,"Benefits paid to members Total":0},"Salaries":{"value":41275,"Current officers":33765,"Disqualified persons":0,"Other salaries and wages":4429,"Pension plan contributions":0,"Other employee benefits":0,"Payroll taxes":3081},"Other expenses":{"value":70159,"Management services":5390,"Legal":4823,"Accounting":8975,"Lobbying services":0,"Investment management fees":0,"Other services":0,"Advertising":2250,"Office expenses":3606,"Information technology":7018,"Royalties":0,"Occupancy":2076,"Travel":0,"Conferences and meetings":5585,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":0,"Insurance":6371,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":24065,"Association Dues":4842,"Supervision Fee":1220,"Dividend":18003},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":111434,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":3063862,"Non-interest bearing cash":616348,"Savings and temp cash investments":308422,"Pledges and grants receivable":0,"Accounts receivable":0,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":2103619,"Inventories for sale or use":0,"Prepaid expenses deferred charges":35473,"Land, building, equipment":0,"Investments publicly traded":0,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":0},"Liabilities":{"value":2488777,"Sum of Total Liabilities":0,"Accounts payable, accrued":956,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":2487821},"Fund balance":{"value":575085,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":1.0,"percentile":0.9996999186356569},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.0030507716394542607,"percentile":0.4046025835397017},"Liabilities to Assets Ratio":{"score":0.8123006192837667,"percentile":0.07727273844580676},"Operating Reserve Ratio":{"score":27.49485794281817,"percentile":0.9634317847954199},"Officer Compensation Ratio":{"score":null,"percentile":null},"Program Expense Growth":{"score":0.009975572265701208,"percentile":0.36264664726079926},"Revenue Growth":{"score":-0.02763455731255451,"percentile":0.2736455132086977},"Asset Growth":{"score":-0.026311460698312784,"percentile":0.22479251166372802},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.6489179666845076,"percentile":0.7389659952047674}},"source_xml":"202301299349301405_public.xml"},{"Organization":{"value":null,"Person":["Stephen Lowrance","Sandra Wilson","Nathan Franklin","Cindy Blasa","Kim Muin","Terrina Harris","Michelle Rogers","Breanna Hamilton","Eve Remiszewski","Linda Rohe","Kim Wilks","Dorothy Franklin"],"Title":["Chairman","Vice Chairman","Treasurer","Director","Secretary","Director","Director","Director","Director","Director","Director","Office Manager"],"Hours":[0.0,0.0,0.0,0.0,0.0,0.0,0.0,0.0,0.0,0.0,0.0,20.0],"Total Compensation":[0,0,3600,0,0,0,0,0,0,0,0,29000],"Direct compensation":[0,0,3600,0,0,0,0,0,0,0,0,29000],"Other compensation":[0,0,0,0,0,0,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"To assist our members by providing loans and savings accounts.","year":2017,"name":"BEA Credit Union","phone":null,"website":null,"type":"990","affiliation":null,"foreign_countries":null,"principal_officer":null,"year_formation":1954,"state_legal_domicile":"IL","total_volunteers":null,"tax_period_begin":"2017-01-01T00:00:00","tax_period_end":"2017-12-31T00:00:00","address":"610 Texas Blvd, Bethalto, IL, 62010, USA","city":"Bethalto","state":"IL","country":"USA","zip_code":62010},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":11,"Number of independent voting members":11,"Number of employees total":1,"Total Gross UBI":0,"Net unrelated business taxable income":0,"Number of employees":1,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":162766,"Contributions":{"value":105,"Other contributions":0,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":105,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":153927,"Total revenue":153927,"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":7787,"Investment income total":7787,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":947,"Other total":947,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":133766,"Grant expense":{"value":0,"Grants to domestic orgs":0,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":0,"Benefits paid to members Total":0},"Salaries":{"value":31332,"Current officers":29000,"Disqualified persons":0,"Other salaries and wages":0,"Pension plan contributions":0,"Other employee benefits":0,"Payroll taxes":2332},"Other expenses":{"value":102434,"Management services":3600,"Legal":7496,"Accounting":500,"Lobbying services":0,"Investment management fees":0,"Other services":0,"Advertising":3205,"Office expenses":4072,"Information technology":6440,"Royalties":0,"Occupancy":898,"Travel":1080,"Conferences and meetings":2814,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":0,"Insurance":6001,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":66328,"Association Dues":5472,"Supervision Fee":2907,"Loan Loss Provision":36030,"Dividend":21919},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":133766,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":3641862,"Non-interest bearing cash":50050,"Savings and temp cash investments":697080,"Pledges and grants receivable":0,"Accounts receivable":0,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":2859529,"Inventories for sale or use":0,"Prepaid expenses deferred charges":35203,"Land, building, equipment":0,"Investments publicly traded":0,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":0},"Liabilities":{"value":3030978,"Sum of Total Liabilities":0,"Accounts payable, accrued":0,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":3030978},"Fund balance":{"value":610884,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":1.0,"percentile":0.9996999186356569},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.17816988806016,"percentile":0.7331329398153007},"Liabilities to Assets Ratio":{"score":0.8322605304649106,"percentile":0.07460183241483172},"Operating Reserve Ratio":{"score":27.225617870011813,"percentile":0.9629908216202911},"Officer Compensation Ratio":{"score":0.24370916376358717,"percentile":0.2489964821320341},"Program Expense Growth":{"score":-0.0627883283265174,"percentile":0.1797984748941946},"Revenue Growth":{"score":-0.003835993898448459,"percentile":0.35342347707113203},"Asset Growth":{"score":-0.006542802989459103,"percentile":0.293106450074534},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.6718524139581582,"percentile":0.793187641826636}},"source_xml":"201821089349300527_public.xml"},{"Organization":{"value":null,"Person":["Sandra Wilson","Stephen Lowrance","Nathan Franklin","Cindy Blasa","Kim Muin","Terrina Harris","Michelle Rogers","Breanna Hamilton","Eve Remiszewski","Linda Rohe","Tom Roth","Kim Wilks","Dorothy Franklin"],"Title":["Chairman","Vice Chairman","Treasurer","Director","Secretary","Director","Director","Director","Director","Director","Director","Director","Office Manager"],"Hours":[0.0,0.0,0.0,0.0,0.0,0.0,0.0,0.0,0.0,0.0,0.0,0.0,20.0],"Total Compensation":[0,0,3600,0,0,0,0,0,0,0,0,0,27400],"Direct compensation":[0,0,3600,0,0,0,0,0,0,0,0,0,27400],"Other compensation":[0,0,0,0,0,0,0,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"To assist our members by providing loans and savings accounts.","year":2015,"name":"BEA Credit Union","phone":null,"website":null,"type":"990","affiliation":null,"foreign_countries":null,"principal_officer":null,"year_formation":1954,"state_legal_domicile":"IL","total_volunteers":null,"tax_period_begin":"2015-01-01T00:00:00","tax_period_end":"2015-12-31T00:00:00","address":"610 Texas Blvd, Bethalto, IL, 62010, USA","city":"Bethalto","state":"IL","country":"USA","zip_code":62010},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":12,"Number of independent voting members":12,"Number of employees total":1,"Total Gross UBI":0,"Net unrelated business taxable income":0,"Number of employees":1,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":156477,"Contributions":{"value":55,"Other contributions":0,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":55,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":145238,"Total revenue":145238,"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":8204,"Investment income total":8204,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":2980,"Other total":2980,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":91477,"Grant expense":{"value":0,"Grants to domestic orgs":0,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":0,"Benefits paid to members Total":0},"Salaries":{"value":29609,"Current officers":27400,"Disqualified persons":0,"Other salaries and wages":0,"Pension plan contributions":0,"Other employee benefits":0,"Payroll taxes":2209},"Other expenses":{"value":61868,"Management services":3600,"Legal":3109,"Accounting":1075,"Lobbying services":0,"Investment management fees":0,"Other services":0,"Advertising":3843,"Office expenses":3960,"Information technology":5427,"Royalties":0,"Occupancy":2695,"Travel":1080,"Conferences and meetings":2880,"Interest":144,"Payments to affiliates":0,"Depreciation and depletion":1250,"Insurance":6099,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":26706,"Association Dues":5497,"Supervision Fee":2643,"Loan Loss Provision":-146,"Dividend":18712},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":91477,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":3660998,"Non-interest bearing cash":50000,"Savings and temp cash investments":708696,"Pledges and grants receivable":0,"Accounts receivable":0,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":2868040,"Inventories for sale or use":0,"Prepaid expenses deferred charges":34262,"Land, building, equipment":0,"Investments publicly traded":0,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":0},"Liabilities":{"value":3124114,"Sum of Total Liabilities":0,"Accounts payable, accrued":0,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":3124114},"Fund balance":{"value":536884,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":1.0,"percentile":0.9996999186356569},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.41539651194744276,"percentile":0.8909093095350236},"Liabilities to Assets Ratio":{"score":0.8533503705820107,"percentile":0.07173714794185172},"Operating Reserve Ratio":{"score":40.020967019032106,"percentile":0.976225375430025},"Officer Compensation Ratio":{"score":0.33888299791204346,"percentile":0.15429438249769115},"Program Expense Growth":{"score":-0.29615583115684774,"percentile":0.0631837504852181},"Revenue Growth":{"score":-0.03367624507464807,"percentile":0.2575029025566856},"Asset Growth":{"score":-0.029354403707248327,"percentile":0.21512201180488988},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.667647417988762,"percentile":0.783809960157052}},"source_xml":"201611119349300526_public.xml"},{"Organization":{"value":null,"Person":["Cindy Blasa","Kary Morgan","April Wrenn","Dee Haar","Lisa Callison","Terrina Harris","Stephen Lowrance","Joseph Schoppet","Kim Muin"],"Title":["Director","Director","Director","Director","Director","Vice Chair","Chair","Treasurer","Secretary"],"Hours":[0.0,0.0,0.0,0.0,0.0,0.0,0.0,0.0,0.0],"Total Compensation":[0,0,0,0,0,0,0,0,0],"Direct compensation":[0,0,0,0,0,0,0,0,0],"Other compensation":[0,0,0,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"To assist our members by providing loans and savings accounts.","year":2023,"name":"BEA Credit Union","phone":null,"website":null,"type":"990","affiliation":null,"foreign_countries":null,"principal_officer":null,"year_formation":1954,"state_legal_domicile":"IL","total_volunteers":null,"tax_period_begin":"2023-01-01T00:00:00","tax_period_end":"2023-12-31T00:00:00","address":"101 School Street, Bethalto, IL, 62010, USA","city":"Bethalto","state":"IL","country":"USA","zip_code":62010},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":9,"Number of independent voting members":9,"Number of employees total":2,"Total Gross UBI":0,"Net unrelated business taxable income":0,"Number of employees":2,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":144925,"Contributions":{"value":5136,"Other contributions":0,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":5136,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":122272,"Total revenue":122272,"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":14131,"Investment income total":14131,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":3386,"Other total":3386,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":114411,"Grant expense":{"value":0,"Grants to domestic orgs":0,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":0,"Benefits paid to members Total":0},"Salaries":{"value":44914,"Current officers":34778,"Disqualified persons":0,"Other salaries and wages":6693,"Pension plan contributions":0,"Other employee benefits":0,"Payroll taxes":3443},"Other expenses":{"value":69497,"Management services":5891,"Legal":3206,"Accounting":3430,"Lobbying services":0,"Investment management fees":0,"Other services":0,"Advertising":2100,"Office expenses":3662,"Information technology":7864,"Royalties":0,"Occupancy":2095,"Travel":0,"Conferences and meetings":4991,"Interest":6738,"Payments to affiliates":0,"Depreciation and depletion":0,"Insurance":6200,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":23320,"Association Dues":4735,"Supervision Fee":3049,"Dividend":15536},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":114411,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":2971573,"Non-interest bearing cash":309307,"Savings and temp cash investments":309065,"Pledges and grants receivable":0,"Accounts receivable":0,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":2314904,"Inventories for sale or use":0,"Prepaid expenses deferred charges":35715,"Land, building, equipment":0,"Investments publicly traded":0,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":2582},"Liabilities":{"value":2365974,"Sum of Total Liabilities":0,"Accounts payable, accrued":1100,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":200000,"Other liabilities":2164874},"Fund balance":{"value":605599,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":1.0,"percentile":0.9996999186356569},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.21055028462998102,"percentile":0.7666517414324434},"Liabilities to Assets Ratio":{"score":0.7962025499625955,"percentile":0.07948398398644452},"Operating Reserve Ratio":{"score":25.972791077780983,"percentile":0.9607484167663819},"Officer Compensation Ratio":{"score":null,"percentile":null},"Program Expense Growth":{"score":-0.0002516517787768531,"percentile":0.32061155046139633},"Revenue Growth":{"score":-0.022689691431689595,"percentile":0.2881802740371869},"Asset Growth":{"score":-0.026430891924896276,"percentile":0.22441206147648876},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.7091815151979994,"percentile":0.8635078552982841}},"source_xml":"202421229349302462_public.xml"},{"Organization":{"value":null,"Person":["Cindy Blasa","April Wrenn","Lisa Rogers","Sandra Wilson","Eve Remiszewski","Linda Rohe","Joseph Schoppet","Stephen Lowrance","Terrina Harris","Kim Muin"],"Title":["Director","Director","Director","Director","Director","Director","Treasurer","Chair","Vice Chair","Secretary"],"Hours":[0.0,0.0,0.0,0.0,0.0,0.0,0.0,0.0,0.0,0.0],"Total Compensation":[0,0,0,0,0,0,0,0,0,0],"Direct compensation":[0,0,0,0,0,0,0,0,0,0],"Other compensation":[0,0,0,0,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"To assist our members by providing loans and savings accounts.","year":2020,"name":"BEA Credit Union","phone":null,"website":null,"type":"990","affiliation":null,"foreign_countries":null,"principal_officer":null,"year_formation":1954,"state_legal_domicile":"IL","total_volunteers":null,"tax_period_begin":"2020-01-01T00:00:00","tax_period_end":"2020-12-31T00:00:00","address":"101 School Street, Bethalto, IL, 62010, USA","city":"Bethalto","state":"IL","country":"USA","zip_code":62010},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":10,"Number of independent voting members":10,"Number of employees total":2,"Total Gross UBI":0,"Net unrelated business taxable income":0,"Number of employees":2,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":129360,"Contributions":{"value":360,"Other contributions":0,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":360,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":124643,"Total revenue":124643,"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":3460,"Investment income total":3460,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":897,"Other total":897,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":201098,"Grant expense":{"value":0,"Grants to domestic orgs":0,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":0,"Benefits paid to members Total":0},"Salaries":{"value":38732,"Current officers":31827,"Disqualified persons":0,"Other salaries and wages":4001,"Pension plan contributions":0,"Other employee benefits":0,"Payroll taxes":2904},"Other expenses":{"value":162366,"Management services":9021,"Legal":13333,"Accounting":3089,"Lobbying services":0,"Investment management fees":0,"Other services":0,"Advertising":1000,"Office expenses":4993,"Information technology":6855,"Royalties":0,"Occupancy":1884,"Travel":0,"Conferences and meetings":3250,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":0,"Insurance":5945,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":112976,"Association Dues":5333,"Supervision Fee":2285,"Loan Loss Provision":87973,"Dividend":17385},"All other expenses":20},"Functional Expenses":{"value":null,"Program Service Expenses":201098,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":3070358,"Non-interest bearing cash":688048,"Savings and temp cash investments":305634,"Pledges and grants receivable":0,"Accounts receivable":0,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":2048122,"Inventories for sale or use":0,"Prepaid expenses deferred charges":28554,"Land, building, equipment":0,"Investments publicly traded":0,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":0},"Liabilities":{"value":2513302,"Sum of Total Liabilities":0,"Accounts payable, accrued":893,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":2512409},"Fund balance":{"value":557056,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":1.0,"percentile":0.9996999186356569},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":-0.554560915275201,"percentile":0.06816647267938253},"Liabilities to Assets Ratio":{"score":0.8185696912216751,"percentile":0.07642859366832014},"Operating Reserve Ratio":{"score":15.267968851007966,"percentile":0.927466003699483},"Officer Compensation Ratio":{"score":null,"percentile":null},"Program Expense Growth":{"score":0.04863119158640554,"percentile":0.5261816399471808},"Revenue Growth":{"score":-0.01770001081477906,"percentile":0.30377078999095986},"Asset Growth":{"score":-0.028792269781480688,"percentile":0.21691043608226585},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.6089926781073628,"percentile":0.6315682218742045}},"source_xml":"202121349349302422_public.xml"},{"Organization":{"value":null,"Person":["Sandra Wilson","Jay Stemmley","Nathan Franklin","Cindy Blasa","Kim Muin","Nancy Bradley","Stephen Lowrance","Rhonda Miller","Eve Remiszewski","Linda Rohe","Tom Roth","Barbara Wallace","Dorothy Franklin"],"Title":["Chairman","Vice Chairman","Treasurer","Director","Secretary","Director","Director","Director","Director","Director","Director","Director","Office Manager"],"Hours":[0.0,0.0,0.0,0.0,0.0,0.0,0.0,0.0,0.0,0.0,0.0,0.0,12.0],"Total Compensation":[0,0,3000,0,0,0,0,0,0,0,0,0,25906],"Direct compensation":[0,0,3000,0,0,0,0,0,0,0,0,0,25906],"Other compensation":[0,0,0,0,0,0,0,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"To assist our members by providing loans and savings accounts.","year":2013,"name":"BEA Credit Union","phone":null,"website":null,"type":"990","affiliation":null,"foreign_countries":null,"principal_officer":null,"year_formation":1954,"state_legal_domicile":"IL","total_volunteers":null,"tax_period_begin":"2013-01-01T00:00:00","tax_period_end":"2013-12-31T00:00:00","address":"610 Texas Blvd, Bethalto, IL, 62010, USA","city":"Bethalto","state":"IL","country":"USA","zip_code":62010},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":12,"Number of independent voting members":12,"Number of employees total":1,"Total Gross UBI":0,"Net unrelated business taxable income":0,"Number of employees":1,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":167223,"Contributions":{"value":115,"Other contributions":0,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":115,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":153380,"Total revenue":153380,"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":9978,"Investment income total":9978,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":3750,"Other total":3750,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":167223,"Grant expense":{"value":0,"Grants to domestic orgs":0,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":0,"Benefits paid to members Total":0},"Salaries":{"value":28001,"Current officers":25906,"Disqualified persons":0,"Other salaries and wages":0,"Pension plan contributions":0,"Other employee benefits":0,"Payroll taxes":2095},"Other expenses":{"value":139222,"Management services":3000,"Legal":4811,"Accounting":3492,"Lobbying services":0,"Investment management fees":0,"Other services":0,"Advertising":2582,"Office expenses":3498,"Information technology":5310,"Royalties":0,"Occupancy":1826,"Travel":1080,"Conferences and meetings":2746,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":714,"Insurance":31611,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":78552,"Association Dues":6188,"Supervision Fee":5775,"Loan Loss Provision":50189,"Dividend":16400},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":167223,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":3878461,"Non-interest bearing cash":50000,"Savings and temp cash investments":1048299,"Pledges and grants receivable":0,"Accounts receivable":0,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":2738458,"Inventories for sale or use":0,"Prepaid expenses deferred charges":41704,"Land, building, equipment":0,"Investments publicly traded":0,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":0},"Liabilities":{"value":3436577,"Sum of Total Liabilities":0,"Accounts payable, accrued":0,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":3436577},"Fund balance":{"value":441884,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":1.0,"percentile":0.9996999186356569},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.0,"percentile":0.39405288179642484},"Liabilities to Assets Ratio":{"score":0.8860671797395926,"percentile":0.06691644830744978},"Operating Reserve Ratio":{"score":23.193346609019095,"percentile":0.9548093582005307},"Officer Compensation Ratio":{"score":0.17285899666911847,"percentile":0.3634172988458873},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":null,"percentile":null},"Asset Growth":{"score":null,"percentile":null},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.7430206181492683,"percentile":0.9093307452649128}},"source_xml":"201421269349301182_public.xml"},{"Organization":{"value":null,"Person":["Stephen Lowrance","Kim Wilks","Joseph Schoppet","Cindy Blasa","Kim Muin","Terrina Harris","Michelle Rogers","Eve Remiszewski","Linda Rohe","Sandra Wilson"],"Title":["Chairman","Vice Chairman","Treasurer","Director","Secretary","Director","Director","Director","Director","Director"],"Hours":[0.0,0.0,0.0,0.0,0.0,0.0,0.0,0.0,0.0,0.0],"Total Compensation":[0,0,0,0,0,0,0,0,0,0],"Direct compensation":[0,0,0,0,0,0,0,0,0,0],"Other compensation":[0,0,0,0,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"To assist our members by providing loans and savings accounts.","year":2018,"name":"BEA Credit Union","phone":null,"website":null,"type":"990","affiliation":null,"foreign_countries":null,"principal_officer":null,"year_formation":1954,"state_legal_domicile":"IL","total_volunteers":null,"tax_period_begin":"2018-01-01T00:00:00","tax_period_end":"2018-12-31T00:00:00","address":"101 School Street, Bethalto, IL, 62010, USA","city":"Bethalto","state":"IL","country":"USA","zip_code":62010},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":10,"Number of independent voting members":10,"Number of employees total":3,"Total Gross UBI":0,"Net unrelated business taxable income":0,"Number of employees":3,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":171384,"Contributions":{"value":75,"Other contributions":0,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":75,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":160540,"Total revenue":160540,"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":6590,"Investment income total":6590,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":4179,"Other total":4179,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":151820,"Grant expense":{"value":0,"Grants to domestic orgs":0,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":0,"Benefits paid to members Total":0},"Salaries":{"value":36053,"Current officers":33367,"Disqualified persons":0,"Other salaries and wages":0,"Pension plan contributions":0,"Other employee benefits":0,"Payroll taxes":2686},"Other expenses":{"value":115767,"Management services":3184,"Legal":6103,"Accounting":250,"Lobbying services":0,"Investment management fees":0,"Other services":0,"Advertising":4016,"Office expenses":2096,"Information technology":6754,"Royalties":0,"Occupancy":1174,"Travel":720,"Conferences and meetings":4161,"Interest":2498,"Payments to affiliates":0,"Depreciation and depletion":0,"Insurance":5921,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":78890,"Association Dues":5766,"Supervision Fee":2846,"Loan Loss Provision":49810,"Dividend":20468},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":151820,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":3548510,"Non-interest bearing cash":167804,"Savings and temp cash investments":504513,"Pledges and grants receivable":0,"Accounts receivable":0,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":2842952,"Inventories for sale or use":0,"Prepaid expenses deferred charges":33241,"Land, building, equipment":0,"Investments publicly traded":0,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":0},"Liabilities":{"value":2918062,"Sum of Total Liabilities":0,"Accounts payable, accrued":0,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":240000,"Unsecured notes loans payable":0,"Other liabilities":2678062},"Fund balance":{"value":630448,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":1.0,"percentile":0.9996999186356569},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.11415301311674368,"percentile":0.6466483745930802},"Liabilities to Assets Ratio":{"score":0.8223344445978735,"percentile":0.07591977162821414},"Operating Reserve Ratio":{"score":23.37313924384139,"percentile":0.9552416314505768},"Officer Compensation Ratio":{"score":null,"percentile":null},"Program Expense Growth":{"score":-0.006424069011845132,"percentile":0.2994817485160681},"Revenue Growth":{"score":0.008039890044784304,"percentile":0.40581675999362793},"Asset Growth":{"score":-0.010084894863207135,"percentile":0.2800707743885532},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.6993307145132694,"percentile":0.8476730682429726}},"source_xml":"201941339349302759_public.xml"},{"Organization":{"value":null,"Person":["Stephen Lowrance","Sandra Wilson","Nathan Franklin","Cindy Blasa","Kim Muin","Terrina Harris","Michelle Rogers","Breanna Hamilton","Eve Remiszewski","Linda Rohe","Kim Wilks","Dorothy Franklin"],"Title":["Chairman","Vice Chairman","Treasurer","Director","Secretary","Director","Director","Director","Director","Director","Director","Office Manager"],"Hours":[0.0,0.0,0.0,0.0,0.0,0.0,0.0,0.0,0.0,0.0,0.0,20.0],"Total Compensation":[0,0,3600,0,0,0,0,0,0,0,0,28222],"Direct compensation":[0,0,3600,0,0,0,0,0,0,0,0,28222],"Other compensation":[0,0,0,0,0,0,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"To assist our members by providing loans and savings accounts.","year":2016,"name":"BEA Credit Union","phone":null,"website":null,"type":"990","affiliation":null,"foreign_countries":null,"principal_officer":null,"year_formation":1954,"state_legal_domicile":"IL","total_volunteers":null,"tax_period_begin":"2016-01-01T00:00:00","tax_period_end":"2016-12-31T00:00:00","address":"610 Texas Blvd, Bethalto, IL, 62010, USA","city":"Bethalto","state":"IL","country":"USA","zip_code":62010},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":11,"Number of independent voting members":11,"Number of employees total":1,"Total Gross UBI":0,"Net unrelated business taxable income":0,"Number of employees":1,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":157729,"Contributions":{"value":80,"Other contributions":0,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":80,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":148279,"Total revenue":148279,"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":7328,"Investment income total":7328,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":2042,"Other total":2042,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":112729,"Grant expense":{"value":0,"Grants to domestic orgs":0,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":0,"Benefits paid to members Total":0},"Salaries":{"value":30494,"Current officers":28222,"Disqualified persons":0,"Other salaries and wages":0,"Pension plan contributions":0,"Other employee benefits":0,"Payroll taxes":2272},"Other expenses":{"value":82235,"Management services":3600,"Legal":3333,"Accounting":4075,"Lobbying services":0,"Investment management fees":0,"Other services":0,"Advertising":3507,"Office expenses":2814,"Information technology":5797,"Royalties":0,"Occupancy":1022,"Travel":1000,"Conferences and meetings":2929,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":259,"Insurance":6005,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":47894,"Association Dues":5502,"Supervision Fee":3348,"Loan Loss Provision":19292,"Dividend":19752},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":112729,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":3803190,"Non-interest bearing cash":35000,"Savings and temp cash investments":971104,"Pledges and grants receivable":0,"Accounts receivable":0,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":2762835,"Inventories for sale or use":0,"Prepaid expenses deferred charges":34251,"Land, building, equipment":0,"Investments publicly traded":0,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":0},"Liabilities":{"value":3221306,"Sum of Total Liabilities":0,"Accounts payable, accrued":0,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":3221306},"Fund balance":{"value":581884,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":1.0,"percentile":0.9996999186356569},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.285299469342987,"percentile":0.826017556885217},"Liabilities to Assets Ratio":{"score":0.8470010701542653,"percentile":0.07259993314029231},"Operating Reserve Ratio":{"score":33.737458861517446,"percentile":0.9713646759395578},"Officer Compensation Ratio":{"score":0.28228761010919995,"percentile":0.20442705344492704},"Program Expense Growth":{"score":-0.15871145807101483,"percentile":0.10529211200333162},"Revenue Growth":{"score":-0.01694032606560597,"percentile":0.3061888639811683},"Asset Growth":{"score":-0.0036912267292861945,"percentile":0.30403801473971126},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.6733412937085402,"percentile":0.7965191866303041}},"source_xml":"201721159349300447_public.xml"}],"Latest":{"Organization":{"value":null,"Person":["Lisa Callison","Kary Morgan","April Wrenn","Dee Haar","Stephen Lowrance","Joseph Schoppet","Terrina Harris"],"Title":["Director","Director","Director","Director","Chair","Treasurer","Vice Chair"],"Hours":[0.0,0.0,0.0,0.0,0.0,0.0,0.0],"Total Compensation":[0,0,0,0,0,0,0],"Direct compensation":[0,0,0,0,0,0,0],"Other compensation":[0,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"To assist our members by providing loans and savings accounts.","year":2024,"name":"BEA Credit Union","phone":6183773948,"website":null,"type":"990","affiliation":null,"foreign_countries":null,"principal_officer":null,"year_formation":1954,"state_legal_domicile":"IL","total_volunteers":null,"tax_period_begin":"2024-01-01T00:00:00","tax_period_end":"2024-12-31T00:00:00","address":"101 School Street, Bethalto, IL, 62010, USA","city":"Bethalto","state":"IL","country":"USA","zip_code":62010},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":7,"Number of independent voting members":7,"Number of employees total":2,"Total Gross UBI":0,"Net unrelated business taxable income":0,"Number of employees":2,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":146673,"Contributions":{"value":4960,"Other contributions":0,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":4960,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":132004,"Total revenue":132004,"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":9298,"Investment income total":9298,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":411,"Other total":411,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":133442,"Grant expense":{"value":0,"Grants to domestic orgs":0,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":0,"Benefits paid to members Total":0},"Salaries":{"value":46257,"Current officers":35821,"Disqualified persons":0,"Other salaries and wages":6935,"Pension plan contributions":0,"Other employee benefits":0,"Payroll taxes":3501},"Other expenses":{"value":87185,"Management services":5270,"Legal":2750,"Accounting":6900,"Lobbying services":0,"Investment management fees":0,"Other services":0,"Advertising":2670,"Office expenses":3985,"Information technology":7960,"Royalties":0,"Occupancy":2659,"Travel":0,"Conferences and meetings":5335,"Interest":12708,"Payments to affiliates":0,"Depreciation and depletion":0,"Insurance":5789,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":31159,"Association Dues":4790,"Supervision Fee":2861,"Dividend":13508,"Loan Loss Provision":10000},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":133442,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":2543142,"Non-interest bearing cash":406339,"Savings and temp cash investments":107214,"Pledges and grants receivable":0,"Accounts receivable":0,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":1993368,"Inventories for sale or use":0,"Prepaid expenses deferred charges":31997,"Land, building, equipment":0,"Investments publicly traded":0,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":4224},"Liabilities":{"value":1924312,"Sum of Total Liabilities":0,"Accounts payable, accrued":1152,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":75000,"Other liabilities":1848160},"Fund balance":{"value":618830,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":1.0,"percentile":0.9996999186356569},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.09020746831386826,"percentile":0.6059138981783809},"Liabilities to Assets Ratio":{"score":0.756667146388208,"percentile":0.08507119411765669},"Operating Reserve Ratio":{"score":19.058032703346772,"percentile":0.9428698053194062},"Officer Compensation Ratio":{"score":null,"percentile":null},"Program Expense Growth":{"score":-0.0008407200978669604,"percentile":0.31848130378637207},"Revenue Growth":{"score":-0.018497915108840263,"percentile":0.30119789431306065},"Asset Growth":{"score":-0.030770793940091686,"percentile":0.21081734550063683},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.6802678712002083,"percentile":0.8116642265202485}},"source_xml":"202521279349302817_public.xml"},"sector":"","donation_categories":[],"zakat_policy":null},"error":null}