2011-05-11T14:45:00-06:00 2010-12-31 990 2010-01-01 751058426 BAYLOR HEALTH CARE SYSTEM CREDIT UNION BAYL 4005 CRUTCHER STREET 130 DALLAS TX 75246 KARL KOUNS 2011-04-19 2010 2016-03-07 17:11:31Z BAYLOR HEALTH CARE SYSTEM CREDIT UNION KARL KOUNS 4005 CRUTCHER 130 DALLAS TX 75246 1919469 false true X WWW.BHCSCU.COM 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 12 7 98369 33156 0 1696909 1603667 328611 315802 0 2025520 1919469 0 0 566278 610948 0 0 1044893 1226961 1611171 1837909 414349 81560 45037385 51084470 34707792 41481972 10329593 9602498 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 367358 111785 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 2010. MEMBER SAVINGS ACCOUNTS PAY DIVIDENDS MONTHLY AND OFFER ACCESS THROUGH HOME BANKING VIA THE INTERNET OR TELEPHONE AND ATM'S WORLDWIDE. WE ALSO OFFER IRA AND CHRISTMAS CLUB ACCOUNTS. 522130 65624 205923 CHECKING ACCOUNTS - BHCSCU PROVIDES CHECKING ACCOUNTS FOR MEMBERS WITH VARIOUS FEATURES FROM FREE ACCOUNTS TOTHOSE WITH ENHANCED BENEFITS. ALL OFFER DIVIDENDS THAT ARE PAID MONTLY. ADDITIONALLY THE CREDIT UNION EXTENDS THE REACH OF THESE ACCOUNTS TO ALL MEMBERS WITH FREE ATM CARDS DEBIT CARDS INTERNET ACCOUNT ACCESS AND USE OF INTERNET BILL PAYMENT. 50 OF THE CU'S MEMBERS HAVE CHECKING ACCOUNTS. 522130 37844 1241871 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. 470826 false false 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 false false false false true false false false false false false false false false false false false false false true X 2200 0 12 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 MIKE SHIPLEY 1 X 0 0 0 MIKE FELTON 1 X 0 0 0 KEITH HOLTZ 1 X 0 0 0 LAVONE ARTHUR 1 X 0 0 0 JENNIFER STRIBLING 1 X 0 0 0 PAT BROWN 1 X 0 0 0 KARL KOUNS 40 X 109644 0 0 109644 false false false NA INTEREST ON LOANS 522130 1214044 1214044 FEE INCOME 522130 345536 247167 98369 OTHER OPERATING INCOME 522130 44087 44087 1603667 315802 315802 1919469 1505298 98369 315802 166094 293163 114969 36722 2640 16419 205912 104081 120051 15930 359250 45021 MISCELLANEOUS 27474 LOAN LOSS 18000 OPERATING FEES 9959 ASSOCIATION DUES 15674 LOAN SERVICING 19844 266706 1837909 0 0 0 1212678 3772309 15503831 20074209 667 1235 25909545 24043284 901559 502946 201394 398613 2209270 2794820 45037385 51084470 83847 83837 34623945 41398135 34707792 41481972 10329593 9602498 10329593 9602498 45037385 51084470 X 81560 -808655 X false false true false false 228353 37324 191029 673206 465622 207584 398613 NCUSIF DEPOSIT 345392 PPD EXPENSE 993983 ACCRUED INCOME 74378 SURETY BOND 14462 1428215 SAVINGS ACCTS 28478098 CHECKING ACCTS 9417782 CHRISTMAS CLUB ACCTS 94022 IRA'S 3408233 41398135 ALL LOANS TO false false false INTERESTED PERSONS false false false ARE ON SAME false false false TERMS AS OTHER false false false CU MEMBERS false false false PART VI SECTION A LINE 6 ORGANIZATION IS MEMBER-OWNED THUS HAS MEMBERS PART VI SECTION A LINE 7A CREDIT UNION MEMBERS ELECT BOARD MEMBERS WHEN SEATS ARE UP FOR RE-ELECTION AT ANNUAL MEETING. PART VI SECTION A LINE &B MEMBERS WOULD HAVE THE OPPORTUNITY TO VOTE ON ISSUES AFFECTING THEM DIRECTLY SUCH AS A CHANGE IN THE CREDIT UNION'S CHARTER. SIMPLE OPERATIONAL ISSUES 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 DISCUSSED DURING REVIEW. PART VI SECTION B LINE 15 UTILIZE THE SALARY SURVEY PUBLISHED BY THE TEXAS CREDIT UNION LEAGUE FOR DETERMINING SALARIES. PART VI SECTION C LINE 19 THE CU MAKES ITS GOVERNING DOCUMENTS POLICIES AND STATEMENTS AVAILABLE TO ITS MEMBERS UPON RECEIPT OF WRITTEN REQUEST TO VIEW THOSE DOCUMENTS. PART XI LINE 5 742715 TO ESTABLISH OCI PER FAS 158 FOR PRIOR PERIOD 65940 TO ADJUST DEFINED BENEFIT PLAN FOR PRIOR PERIOD PER FAS 158.