2012-05-14T12:47:00-05:00 2011-12-31 990 2011-01-01 751058426 BAYLOR HEALTH CARE SYSTEM CREDIT UNION BAYL 4005 CRUTCHER STREET DALLAS TX 75246 KARL KOUNS 2012-05-09 2011 2016-02-24 21:20:13Z BAYLOR HEALTH CARE SYSTEM CREDIT UNION KARL KOUNS 4005 CRUTCHER SUITE 130 DALLAS TX 75246 1895506 false true X X 1958 TX BHCSCU IS A MEMBER-OWNER FINANCIAL INSTITUTION WHOSE PURPOSE IS TO PROMOTE THE FINANCIAL WELL-BEING OF ITS MEMBERS BY PROVIDING COMPREHENSIVE AND PROGRESSIVE FINANCIAL SERVICES. 7 7 13 7 101748 17168 0 1603667 1538720 315802 356786 0 1919469 1895506 0 0 610948 609377 0 0 1226961 1083171 1837909 1692548 81560 202958 51084470 55544017 41481972 46016271 9602498 9527746 BHCSCU IS A MEMBER-OWNER FINANCIAL INSTITUTION WHOSE PURPOSE IS TO PROMOTE THE FINANCIAL WELL-BEING OF ITS MEMBERS BY PROVIDING COMPREHENSIVE AND PROGRESSIVE FINANCIAL SERVICES. false false 360389 107071 SHARE ACCOUNTS - BHCSCU'S SHARE ACCOUNTS OFFER ADVANTAGES TO MEMBERS OF ALL AGES. THE CREDIT UNION HAD ALMOST 6300 MEMBER-OWNER ACCOUNTS ON DECEMBER 31 2011. MEMBER SAVINGS ACCOUNTS PAY DIVIDENDS QUARTERLY AND OFFER ACCESS THROUGH HOME BANKING VIA THE INTERNET OR TELEPHONE AND ATM'S WORLDWIDE. WE ALSO OFFER IRA AND CHRISTMAS CLUB ACCOUNTS. 522130 71686 210648 CHECKING ACCOUNTS - BHCSCU PROVIDES CHECKING ACCOUNTS FOR MEMBERS WITH VARIOUS FEATURES FROM FREE ACCOUNTS TO THOSE WITH ENHANCED BENEFITS. ALL OFFER DIVIDENDS THAT ARE PAID MONTHLY. ADDITIONALLY THE CREDIT UNION EXTENDS THE REACH OF THESE ACCOUNTS TO ALL MEMBERS WITH FREE ATM CARDS DEBIT CARDS INTERNET ACCOUNT ACCESS AND USE FO INTERNET BILL PAYMENT. 50 OF THE CU'S MEMBERS HAVE CHECKING ACCOUNTS. 522130 42694 1176282 CONSUMER LOANS - BHCSCU HAS PROVIDED VEHICLE LOANS SINCE ITS EARLY YEARS. THE CONSUMER LOAN PRODUCT LINE INCLUDES EFFICIENT UNDERWRITING AND FLEXIBLE OFFERINGS FOR RECREATIONAL VEHICLES BOATS AND MOTORCYCLES. WE ALSO OFFER MORTGAGE LOANS THROUGH CU MEMBERS' MORTGAGE. 474769 false false false false false false false false true false false false true false false false false false false false false false false false false false false false false false true false false false false false false false false false false false false false true 2004 0 13 true true true false false false false false X 7 7 false false false false true true true true true false false true true true false true true true true false TX X KARL KOUNS 2148202342 4005 CRUTCHER 130 DALLAS TX 75246 WILLIAM SCARBROUGH 1 X 0 0 0 LAVONE ARTHUR 1 X 0 0 0 MIKE FELTON 1 X 0 0 0 KEITH HOLTZ 1 X 0 0 0 MARK AMIRI 1 X 0 0 0 JENNIFER STRIBLING 1 X 0 0 0 PAT BROWN 1 X 0 0 0 KARL KOUNS 40 X 115308 0 0 115308 1 false false false NA INTEREST ON LOANS 522130 1154788 1154788 FEE INCOME 522130 339212 237464 101748 OTHER OPERATING INCOME 522130 44720 44720 1538720 356786 356786 1895506 1436972 101748 356786 177602 273253 122792 35730 2420 5575 248440 106551 144940 12119 303726 61338 MISCELLANEOUS 30251 LOAN LOSS 23211 OPERATING FEES 9271 ASSOCIATION DUES 15516 LOAN SERVICING 19484 100329 1692548 0 0 0 3772309 1250314 20074209 28511930 1235 35609 24043284 24230478 918824 604003 398613 314821 2794820 1200865 51084470 55544017 83837 76977 41398135 45939294 41481972 46016271 9602498 9527746 9602498 9527746 51084470 55544017 202958 -277710 X false false true false false 228353 91903 136450 690472 512100 178372 314822 NCUSIF 433739 PPD EXPENSE 676929 ACCRUED INCOME 84992 SURETY BOND 5205 1200865 SAVINGS ACCTS 32073736 SHARE DRAFTS 9922006 CHRISTMAS CLUB 84636 IRAS 3858915 45939293 ALL LOANS TO false false false INTERESTED PERSONS false false false ARE ON SAME TERMS false false false AS OTHER CU MEMBERS false false false PART VI SEC A LINE 6 ORGANIZATION IS MEMBER OWNED THUS HAS MEMBERS PART VI SEC A LINE 7A CU MEMBERS ELECT BOARD DIRECTORS AT ANNUAL MEETING PART VI SEC A LINE 7B MEMBERS MAY VOTE ON ISSUES THAT AFFECT THEM SUCH AS A CHANGE IN THE CREDIT UNION'S CHARTER. SIMPLE OPERATIONAL CHANGES ARE THE DECISION OF MANAGEMENT. PART VI SECTION B LINE 11A COPY OF FORM 990 WAS PROVIDED TO EACH BOARD MEMBER FOR REVIEW QUESTIONS AND COMMENTS WERE DISCUSSED DURING REVIEW PART VI SEC B LINE 15 UTILIZE SALARY SURVEY PUBLISHED BY THE TEXAS CREDIT UNION LEAGUE FOR DETERMINING SALARIES. PART VI SEC C LINE 19 CU MAKES ITS GOVERNING DOCUMENTS POLICIES AND STATEMENTS AVAILABLE TO ITS MEMBERS UPON RECEIPT OF WRITTEN REQUEST TO VIEW THOSE DOCUMENTS. PART XI LINE5 277710 TO ADJUST DEFINED BENEFIT OCI PER FAS 158