CREDIT UNIONS CHARTERED IN THE STATE OF COLORADO: Form 990, tax year 2010
View the entire original 990 at ProPublica ↗
- Organization
- CREDIT UNIONS CHARTERED IN THE STATE OF COLORADO (EIN 84-0146595)
- Tax period
- 2010-01-01 to 2010-12-31
- Filed
- 2011-11-14
- IRS object ID
- 201143189349301129
- Schema version
- 2010v3.4
- Source
- Download XML · Original 990 at ProPublica
Every field in the e-filed return. Faint text is the IRS element name, for citing.
Return header ReturnHeader
| Field | Value | IRS element (for citing) |
|---|---|---|
| Timestamp | 2011-11-14T10:11:26-00:00 | Timestamp |
| Tax Period End Date | 2010-12-31 | TaxPeriodEndDate |
Preparer Firm PreparerFirm
Preparer Firm Business Name PreparerFirmBusinessName
| Field | Value | IRS element (for citing) |
|---|---|---|
| Business Name Line1 | ORTH CHAKLER MURNANE AND CO CPAs | BusinessNameLine1 |
Preparer Firm US Address PreparerFirmUSAddress
| Field | Value | IRS element (for citing) |
|---|---|---|
| Address Line1 | 12060 SW 129 COURT SUITE 201 | AddressLine1 |
| City | MIAMI | City |
| State | FL | State |
| ZIP Code | 33186 | ZIPCode |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Return Type | 990 | ReturnType |
| Tax Period Begin Date | 2010-01-01 | TaxPeriodBeginDate |
Filer Filer
| Field | Value | IRS element (for citing) |
|---|---|---|
| EIN | 840146595 | EIN |
Name Name
| Field | Value | IRS element (for citing) |
|---|---|---|
| Business Name Line1 | BELLCO CREDIT UNION | BusinessNameLine1 |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Name Control | BELL | NameControl |
| Phone | 3036897800 | Phone |
US Address USAddress
| Field | Value | IRS element (for citing) |
|---|---|---|
| Address Line1 | PO BOX 6611 | AddressLine1 |
| City | GREENWOOD VILLAGE | City |
| State | CO | State |
| ZIP Code | 801556611 | ZIPCode |
Officer Officer
| Field | Value | IRS element (for citing) |
|---|---|---|
| Name | DOUGLAS FERRARO | Name |
| Title | CEO | Title |
| Date Signed | 2011-11-09 | DateSigned |
| Authorize Third Party | true | AuthorizeThirdParty |
Preparer Preparer
| Field | Value | IRS element (for citing) |
|---|---|---|
| Name | DOUGLAS ORTH | Name |
| Phone | 3052328272 | Phone |
| Date Prepared | 2011-11-14 | DatePrepared |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Tax Year | 2010 | TaxYear |
| Build TS | 2016-02-24 21:20:13Z | BuildTS |
Form 990 IRS990
| Field | Value | IRS element (for citing) |
|---|---|---|
| Name Of Principal Officer Person | DOUGLAS FERRARO | NameOfPrincipalOfficerPerson |
Address Principal Officer US AddressPrincipalOfficerUS
| Field | Value | IRS element (for citing) |
|---|---|---|
| Address Line1 | 7600 E ORCHARD ROAD STE 400N | AddressLine1 |
| City | GREENWOOD VILLAGE | City |
| State | CO | State |
| ZIP Code | 80111 | ZIPCode |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Gross Receipts | 211501532 | GrossReceipts |
| Group Return For Affiliates | false | GroupReturnForAffiliates |
| Group Exemption Number | 1948 | GroupExemptionNumber |
| Organization501c | X | Organization501c |
| Web Site | WWW.BELLCO.ORG | WebSite |
| Type Of Organization Other | X | TypeOfOrganizationOther |
| Type Of Org Other Description | CREDIT UNION | TypeOfOrgOtherDescription |
| Year Formation | 1936 | YearFormation |
| State Legal Domicile | CO | StateLegalDomicile |
| Activity Or Mission Description | BELLCO IS A PROGRESSIVE, MEMBER-OWNED ORGANIZATION THAT PROVIDES COMPETITIVE FINANCIAL SERVICES TO MEET EVOLVING MEMBER NEEDS. WE WILL SUSTAIN PLANNED GROWTH TO FUND THE FUTURE WHILE MAINTAINING MEMBER CONFIDENCE THROUGH FINANCIAL STABILITY. WE WILL PROVIDE A CHALLENGING AND REWARDING ENVIRONMENT FOR OUR EMPLOYEES AND CONTRIBUTE TO THE SOCIAL AND ECONOMIC WELL BEING OF OUR COMMUNITY. BELLCO IS A PROGRESSIVE, MEMBER-OWNED ORGANIZATION THAT PROVIDES COMPETITIVE FINANCIAL SERVICES TO MEET EVOLVING MEMBER NEEDS. WE WILL SUSTAIN PLANNED GROWTH TO FUND THE FUTURE WHILE MAINTAINING MEMBER CONFIDENCE THROUGH FINANCIAL STABILITY. WE WILL PROVIDE A CHALLENGING AND REWARDING ENVIRONMENT FOR OUR EMPLOYEES AND CONTRIBUTE TO THE SOCIAL AND ECONOMIC WELL BEING OF OUR COMMUNITY. | ActivityOrMissionDescription |
| Nbr Voting Members Governing Body | 9 | NbrVotingMembersGoverningBody |
| Nbr Independent Voting Members | 8 | NbrIndependentVotingMembers |
| Total Nbr Employees | 509 | TotalNbrEmployees |
| Total Nbr Volunteers | 11 | TotalNbrVolunteers |
| Total Gross UBI | 103399 | TotalGrossUBI |
| Net Unrelated Business Txbl Income | -218481 | NetUnrelatedBusinessTxblIncome |
| Contributions Grants Current Year | 0 | ContributionsGrantsCurrentYear |
| Program Service Revenue Prior Year | 143325097 | ProgramServiceRevenuePriorYear |
| Program Service Revenue CY | 119516759 | ProgramServiceRevenueCY |
| Investment Income Prior Year | 2276650 | InvestmentIncomePriorYear |
| Investment Income Current Year | 1727936 | InvestmentIncomeCurrentYear |
| Other Revenue Current Year | 522366 | OtherRevenueCurrentYear |
| Total Revenue Prior Year | 145601747 | TotalRevenuePriorYear |
| Total Revenue Current Year | 121767061 | TotalRevenueCurrentYear |
| Grants And Similar Amnts CY | 0 | GrantsAndSimilarAmntsCY |
| Benefits Paid To Members CY | 0 | BenefitsPaidToMembersCY |
| Salaries Etc Prior Year | 22015765 | SalariesEtcPriorYear |
| Salaries Etc Current Year | 22299233 | SalariesEtcCurrentYear |
| Total Prof Fundrsng Exp CY | 0 | TotalProfFundrsngExpCY |
| Total Fundrsng Exp Current Year | 0 | TotalFundrsngExpCurrentYear |
| Other Expense Prior Year | 117872064 | OtherExpensePriorYear |
| Other Expenses Current Year | 80733278 | OtherExpensesCurrentYear |
| Total Expenses Prior Year | 139887829 | TotalExpensesPriorYear |
| Total Expenses Current Year | 103032511 | TotalExpensesCurrentYear |
| Revenues Less Expenses Prior Year | 5713918 | RevenuesLessExpensesPriorYear |
| Revenues Less Expenses CY | 18734550 | RevenuesLessExpensesCY |
| Total Assets BOY | 1965339287 | TotalAssetsBOY |
| Total Assets EOY | 1919940851 | TotalAssetsEOY |
| Total Liabilities BOY | 1785431324 | TotalLiabilitiesBOY |
| Total Liabilities EOY | 1721978928 | TotalLiabilitiesEOY |
| Net Assets Or Fund Balances BOY | 179907963 | NetAssetsOrFundBalancesBOY |
| Net Assets Or Fund Balances EOY | 197961923 | NetAssetsOrFundBalancesEOY |
| Mission Description | BELLCO IS A PROGRESSIVE, MEMBER-OWNED ORGANIZATION THAT PROVIDES COMPETITIVE FINANCIAL SERVICES TO MEET EVOLVING MEMBER NEEDS. WE WILL SUSTAIN PLANNED GROWTH TO FUND THE FUTURE WHILE MAINTAINING MEMBER CONFIDENCE THROUGH FINANCIAL STABILITY. WE WILL PROVIDE A CHALLENGING AND REWARDING ENVIRONMENT FOR OUR EMPLOYEES AND CONTRIBUTE TO THE SOCIAL AND | MissionDescription |
| Significant New Program Services | false | SignificantNewProgramServices |
| Significant Change | false | SignificantChange |
| Description | INCOME FROM CREDIT UNION MEMBERSHIP AND FROM INVESTMENT OF MEMBERS FUNDS PROVIDE THE FOUNDATION FROM WHICH THE ORGANIZATION CAN FUNCTION AND PROVIDE SERVICES TO ITS RESTRICTED MEMBERSHIP. | Description |
| Described In501 C3 | false | DescribedIn501C3 |
| Schedule B Required | false | ScheduleBRequired |
| Political Activities | true | PoliticalActivities |
| Donor Advised Funds | false | DonorAdvisedFunds |
| Conservation Easements | false | ConservationEasements |
| Collections Of Art | false | CollectionsOfArt |
| Credit Counseling | false | CreditCounseling |
| Term Or Permanent Endowments | false | TermOrPermanentEndowments |
| Report Land Bldg Equip | true | ReportLandBldgEquip |
| Report Invest Oth Securities | false | ReportInvestOthSecurities |
| Report Prog Rel Invest | false | ReportProgRelInvest |
| Report Other Assets | false | ReportOtherAssets |
| Report Other Liabilities | true | ReportOtherLiabilities |
| Report Fin48 Footnote | false | ReportFin48Footnote |
| Independent Audit Financial Stmt | false | IndependentAuditFinancialStmt |
| Consolidated Audit Financial Stmt | true | ConsolidatedAuditFinancialStmt |
| School | false | School |
| Foreign Office | false | ForeignOffice |
| Foreign Activities | false | ForeignActivities |
| More Than5000 K To Organizations | false | MoreThan5000KToOrganizations |
| More Than5000 K To Individuals | false | MoreThan5000KToIndividuals |
| Professional Fundraising | false | ProfessionalFundraising |
| Fundraising Activities | false | FundraisingActivities |
| Gaming | false | Gaming |
| Hospital | false | Hospital |
| Grants To Organizations | false | GrantsToOrganizations |
| Grants To Individuals | false | GrantsToIndividuals |
| Schedule J Required | true | ScheduleJRequired |
| Tax Exempt Bonds | false | TaxExemptBonds |
| Loan To Officer Or DQP | true | LoanToOfficerOrDQP |
| Grant To Related Person | false | GrantToRelatedPerson |
| Bsnss Rltnshp With Organization | false | BsnssRltnshpWithOrganization |
| Bsnss Rltnshp Thru Family Member | false | BsnssRltnshpThruFamilyMember |
| Officer Entity With Bsnss Rltnshp | false | OfficerEntityWithBsnssRltnshp |
| Deductible Non Cash Contributions | false | DeductibleNonCashContributions |
| Deductible Contributions Of Art | false | DeductibleContributionsOfArt |
| Terminated | false | Terminated |
| Partial Liquidation | false | PartialLiquidation |
| Disregarded Entity | true | DisregardedEntity |
| Related Entity | false | RelatedEntity |
| Related Org Controlled Entity | false | RelatedOrgControlledEntity |
| Transaction Related Entity | false | TransactionRelatedEntity |
| Activities Conducted Partnership | false | ActivitiesConductedPartnership |
| Schedule O Required | true | ScheduleORequired |
| Number Forms Transmitted With1096 | 136661 | NumberFormsTransmittedWith1096 |
| Number W2 G Included | 0 | NumberW2GIncluded |
| Compliance With Backup Witholding | true | ComplianceWithBackupWitholding |
| Number Of Employees | 509 | NumberOfEmployees |
| Employment Tax Returns Filed | true | EmploymentTaxReturnsFiled |
| Unrelated Business Income | true | UnrelatedBusinessIncome |
| Form990-T Filed | true | Form990-TFiled |
| Foreign Financial Account | false | ForeignFinancialAccount |
| Prohibited Tax Shelter Trans | false | ProhibitedTaxShelterTrans |
| Taxable Party Notification | false | TaxablePartyNotification |
| Non Deductible Contributions | false | NonDeductibleContributions |
| Indoor Tanning Services | false | IndoorTanningServices |
| Info In Schedule O Part VI | X | InfoInScheduleOPartVI |
| Nbr Voting Governing Body Members | 9 | NbrVotingGoverningBodyMembers |
| Number Independent Voting Members | 8 | NumberIndependentVotingMembers |
| Family Or Business Relationship | false | FamilyOrBusinessRelationship |
| Delegation Of Management Duties | false | DelegationOfManagementDuties |
| Changes To Organizing Docs | false | ChangesToOrganizingDocs |
| Material Diversion Or Misuse | false | MaterialDiversionOrMisuse |
| Members Or Stockholders | true | MembersOrStockholders |
| Election Of Board Members | true | ElectionOfBoardMembers |
| Decisions Subject To Approval | false | DecisionsSubjectToApproval |
| Minutes Of Governing Body | true | MinutesOfGoverningBody |
| Minutes Of Committees | true | MinutesOfCommittees |
| Officer Mailing Address | false | OfficerMailingAddress |
| Local Chapters | false | LocalChapters |
| Form990 Provided To Governing Body | false | Form990ProvidedToGoverningBody |
| Conflict Of Interest Policy | true | ConflictOfInterestPolicy |
| Annual Disclosure Covered Persons | true | AnnualDisclosureCoveredPersons |
| Regular Monitoring Enforcement | true | RegularMonitoringEnforcement |
| Whistleblower Policy | true | WhistleblowerPolicy |
| Document Retention Policy | true | DocumentRetentionPolicy |
| Compensation Process CEO | true | CompensationProcessCEO |
| Compensation Process Other | true | CompensationProcessOther |
| Investment In Joint Venture | false | InvestmentInJointVenture |
| Upon Request | X | UponRequest |
The Books Are In Care Of TheBooksAreInCareOf
| Field | Value | IRS element (for citing) |
|---|---|---|
| Name Person | DAN KAMPEN | NamePerson |
| Telephone Number | 3036897800 | TelephoneNumber |
Address US AddressUS
| Field | Value | IRS element (for citing) |
|---|---|---|
| Address Line1 | 7600 E ORCHARD ROAD STE 400N | AddressLine1 |
| City | GREENWOOD VILLAGE | City |
| State | CO | State |
| ZIP Code | 80111 | ZIPCode |
Form990 Part VII Section A Form990PartVIISectionA (21 entries)
| TitleTitle | Average Hours Per WeekAverageHoursPerWeek | Individual Trustee Or DirectorIndividualTrusteeOrDirector | Reportable Comp From OrganizationReportableCompFromOrganization | Reportable Comp From Related OrgsReportableCompFromRelatedOrgs | Other CompensationOtherCompensation | OfficerOfficer | FormerFormer | Highest Compensated EmployeeHighestCompensatedEmployee | Key EmployeeKeyEmployee |
|---|---|---|---|---|---|---|---|---|---|
| S BRAYMAN | |||||||||
| BOD/SECRETARY | 004.00 | X | 0 | 0 | 0 | ||||
| J PRANCAN | |||||||||
| BOD/CHAIR | 005.00 | X | 0 | 0 | 0 | ||||
| D POWERS | |||||||||
| BOD/TREAS | 005.00 | X | 0 | 0 | 0 | ||||
| G LANDIS | |||||||||
| BOD/V. CHAIR | 004.00 | X | 0 | 0 | 0 | ||||
| W FLEMING | |||||||||
| BOD/DIRECTOR | 004.00 | X | 0 | 0 | 0 | ||||
| J DOWNS | |||||||||
| BOD/DIRECTOR | 004.00 | X | 974 | 0 | 0 | ||||
| S KREIS | |||||||||
| BOD/DIRECTOR | 004.00 | X | 1125 | 0 | 0 | ||||
| A MURRAY | |||||||||
| BOD/DIRECTOR | 004.00 | X | 0 | 0 | 0 | ||||
| S ANGELIER | |||||||||
| SUP COMM/CHAIR | 002.00 | X | 0 | 0 | 0 | ||||
| CD KIKUMOTO | |||||||||
| SUP COMM/MEMBER | 002.00 | X | 0 | 0 | 0 | ||||
| T MCCONNELL | |||||||||
| SUP COMM/MEMBER | 002.00 | X | 0 | 0 | 0 | ||||
| D FERRARO | |||||||||
| PRES/CEO | 040.00 | X | 537808 | 0 | 269337 | X | |||
| S BLODGETT | |||||||||
| EVP/COO | 040.00 | 202153 | 0 | 10945 | X | ||||
| J RUBY | |||||||||
| SVP/CLO | 040.00 | 179398 | 0 | 34721 | X | ||||
| R BRUHN | |||||||||
| SVP/CFO | 040.00 | 136816 | 0 | 7037 | X | ||||
| T STONEBRAKER | |||||||||
| VP/BRANCH SS | 040.00 | 153654 | 0 | 26144 | X | ||||
| S SAGEHORN-ELLIOTT | |||||||||
| VP/COO | 040.00 | 160170 | 0 | 33478 | X | ||||
| L DOWNEY | |||||||||
| SVP/HR | 040.00 | 149279 | 0 | 33785 | X | ||||
| D O'GORMAN | |||||||||
| VP/CRM | 040.00 | 106098 | 0 | 5308 | X | ||||
| K MARCHESE | |||||||||
| DIRECTOR LENDING | 040.00 | 111132 | 0 | 18449 | X | ||||
| G GOODELL | |||||||||
| DIRECTOR SYSTEM OPERATION | 040.00 | 104363 | 0 | 5179 | X | ||||
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Reportable Comp From Org | 1842970 | TotalReportableCompFromOrg |
| Total Other Compensation | 444383 | TotalOtherCompensation |
| Number Individuals GT100 K | 10 | NumberIndividualsGT100K |
| Formers Listed | true | FormersListed |
| Total Comp GT150 K | true | TotalCompGT150K |
| Compensation From Other Sources | false | CompensationFromOtherSources |
Contractor Compensation ContractorCompensation (4 entries)
| Address Line1AddressOfContractor/AddressUS/AddressLine1 | CityAddressOfContractor/AddressUS/City | StateAddressOfContractor/AddressUS/State | ZIP CodeAddressOfContractor/AddressUS/ZIPCode | Description Of ServicesDescriptionOfServices | CompensationCompensation |
|---|---|---|---|---|---|
| THE ROCHDALE GROUP | |||||
| 8700 INDIAN CREEK PARKWAY SUITE 120 | OVERLAND PARK | KS | 66210 | CONSULTANT | 716931 |
| PROTIVITI | |||||
| 12269 COLLECTIONS CENTER DR | CHICAGO | IL | 60693 | INTERNAL AUDIT | 217651 |
| KEITH KERNS | |||||
| 6633 W GEDDES AVENUE | LITTLETON | CO | 80128 | APPRAISER | 119180 |
| ALM FIRST FINANCIAL ADVISORS | |||||
| 6688 N CENTRAL EXPRESSWAY SUITE 200 | DALLAS | TX | 75206 | CONSULTANT | 118333 |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Number Of Contractors GT100 K | 4 | NumberOfContractorsGT100K |
Program Service Revenue ProgramServiceRevenue (3 entries)
| DescriptionDescription | Business CodeBusinessCode | Total Revenue ColumnTotalRevenueColumn | Related Or Exempt Function IncomeRelatedOrExemptFunctionIncome | Unrelated Business RevenueUnrelatedBusinessRevenue |
|---|---|---|---|---|
| INCOME ON LOANS | 522100 | 95903532 | 95903532 | |
| FEES/CHARGES/OTHER | 522100 | 23509828 | 23509828 | |
| UNRELATED BUSINESS INCOME | 524298 | 103399 | 103399 |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Program Service Revenue | 119516759 | TotalProgramServiceRevenue |
Investment Income InvestmentIncome
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Revenue Column | 1142022 | TotalRevenueColumn |
| Related Or Exempt Function Income | 1142022 | RelatedOrExemptFunctionIncome |
Gross Amount Sales Assets GrossAmountSalesAssets
| Field | Value | IRS element (for citing) |
|---|---|---|
| Other | 90320385 | Other |
Less Cost Oth Basis Sales Expenses LessCostOthBasisSalesExpenses
| Field | Value | IRS element (for citing) |
|---|---|---|
| Other | 89734471 | Other |
Gain Or Loss GainOrLoss
| Field | Value | IRS element (for citing) |
|---|---|---|
| Other | 585914 | Other |
Net Gain Or Loss Investments NetGainOrLossInvestments
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Revenue Column | 585914 | TotalRevenueColumn |
| Related Or Exempt Function Income | 587914 | RelatedOrExemptFunctionIncome |
Other Revenue Misc OtherRevenueMisc
| Field | Value | IRS element (for citing) |
|---|---|---|
| Description | GAIN ON STOCK INVESTMENT | Description |
| Business Code | 522210 | BusinessCode |
| Total Revenue Column | 522366 | TotalRevenueColumn |
| Related Or Exempt Function Income | 522366 | RelatedOrExemptFunctionIncome |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Other Revenue | 522366 | TotalOtherRevenue |
Total Revenue TotalRevenue
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Revenue Column | 121767061 | TotalRevenueColumn |
| Related Or Exempt Function Income | 121665662 | RelatedOrExemptFunctionIncome |
| Unrelated Business Revenue | 103399 | UnrelatedBusinessRevenue |
Grants To Domestic Orgs GrantsToDomesticOrgs
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 0 | Total |
Grants To Domestic Individuals GrantsToDomesticIndividuals
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 0 | Total |
Foreign Grants ForeignGrants
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 0 | Total |
Benefits To Members BenefitsToMembers
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 0 | Total |
Comp Current Officers Directors CompCurrentOfficersDirectors
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 2287353 | Total |
| Program Services | 2287353 | ProgramServices |
Comp Disqual Persons CompDisqualPersons
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 0 | Total |
Other Salaries And Wages OtherSalariesAndWages
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 15045140 | Total |
| Program Services | 15045140 | ProgramServices |
Pension Plan Contributions PensionPlanContributions
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 890680 | Total |
| Program Services | 890680 | ProgramServices |
Other Employee Benefits OtherEmployeeBenefits
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 2827030 | Total |
| Program Services | 2827030 | ProgramServices |
Payroll Taxes PayrollTaxes
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 1249030 | Total |
| Program Services | 1249030 | ProgramServices |
Fees For Services Management FeesForServicesManagement
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 2514406 | Total |
| Program Services | 2514406 | ProgramServices |
Fees For Services Legal FeesForServicesLegal
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 112191 | Total |
| Program Services | 112191 | ProgramServices |
Fees For Services Accounting FeesForServicesAccounting
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 362680 | Total |
| Program Services | 362680 | ProgramServices |
Fees For Services Lobbying FeesForServicesLobbying
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 0 | Total |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Fees For Services Prof Fundraising | FeesForServicesProfFundraising |
Fees For Services Invst Mgmnt Fees FeesForServicesInvstMgmntFees
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 0 | Total |
Fees For Services Other FeesForServicesOther
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 710183 | Total |
| Program Services | 710183 | ProgramServices |
Advertising Advertising
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 3339965 | Total |
| Program Services | 3339965 | ProgramServices |
Office Expenses OfficeExpenses
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 3003343 | Total |
| Program Services | 3003343 | ProgramServices |
Information Technology InformationTechnology
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 4044232 | Total |
| Program Services | 4044232 | ProgramServices |
Royalties Royalties
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 0 | Total |
Occupancy Occupancy
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 3167503 | Total |
| Program Services | 3167503 | ProgramServices |
Travel Travel
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 115621 | Total |
| Program Services | 115621 | ProgramServices |
Travel Entrtnmnt Public Officials TravelEntrtnmntPublicOfficials
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 0 | Total |
Conferences Meetings ConferencesMeetings
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 60363 | Total |
| Program Services | 60363 | ProgramServices |
Interest Interest
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 19862011 | Total |
| Program Services | 19862011 | ProgramServices |
Payments To Affiliates PaymentsToAffiliates
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 0 | Total |
Depreciation Depletion DepreciationDepletion
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 3816351 | Total |
| Program Services | 3816351 | ProgramServices |
Insurance Insurance
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 192620 | Total |
| Program Services | 192620 | ProgramServices |
Other Expenses OtherExpenses
| Field | Value | IRS element (for citing) |
|---|---|---|
| Description | SEE ATTACHED SCHEDULE | Description |
| Total | 39431809 | Total |
| Program Services | 39431809 | ProgramServices |
All Other Expenses AllOtherExpenses
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 0 | Total |
Total Functional Expenses TotalFunctionalExpenses
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 103032511 | Total |
| Program Services | 103032511 | ProgramServices |
Cash Non Interest Bearing CashNonInterestBearing
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 13115049 | BOY |
| EOY | 28473217 | EOY |
Savings And Temp Cash Investments SavingsAndTempCashInvestments
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 325147206 | BOY |
| EOY | 274016745 | EOY |
Accounts Receivable AccountsReceivable
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 3737223 | BOY |
| EOY | 3931441 | EOY |
Receivables From Officers Etc ReceivablesFromOfficersEtc
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 1753577 | BOY |
| EOY | 1118780 | EOY |
Other Notes Loans Receivable Net OtherNotesLoansReceivableNet
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 1547989450 | BOY |
| EOY | 1430981492 | EOY |
Prepaid Expenses Deferred Charges PrepaidExpensesDeferredCharges
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 1146498 | BOY |
| EOY | 1403500 | EOY |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Land Buildings Equipment Basis | 62132091 | LandBuildingsEquipmentBasis |
| Land Bldg Equipment Accum Deprec | 35502511 | LandBldgEquipmentAccumDeprec |
Land Buildings Equipment Basis Net LandBuildingsEquipmentBasisNet
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 22208246 | BOY |
| EOY | 26629580 | EOY |
Investments Pub Traded Securities InvestmentsPubTradedSecurities
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 6596790 | BOY |
| EOY | 120104527 | EOY |
Investments Other Securities InvestmentsOtherSecurities
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 5643614 | BOY |
| EOY | 4535632 | EOY |
Other Assets Total OtherAssetsTotal
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 38001634 | BOY |
| EOY | 28745937 | EOY |
Total Assets TotalAssets
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 1965339287 | BOY |
| EOY | 1919940851 | EOY |
Accounts Payable Accrued Expenses AccountsPayableAccruedExpenses
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 11986881 | BOY |
| EOY | 20594081 | EOY |
Mort Notes Pybl Secured Invest Prop MortNotesPyblSecuredInvestProp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 122857141 | BOY |
| EOY | 25000000 | EOY |
Other Liabilities OtherLiabilities
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 1650587302 | BOY |
| EOY | 1676384847 | EOY |
Total Liabilities TotalLiabilities
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 1785431324 | BOY |
| EOY | 1721978928 | EOY |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Do Not Follow SFAS117 | X | DoNotFollowSFAS117 |
Retained Earnings Endowment Etc RetainedEarningsEndowmentEtc
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 179907963 | BOY |
| EOY | 197961923 | EOY |
Total Net Assets Fund Balances TotalNetAssetsFundBalances
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 179907963 | BOY |
| EOY | 197961923 | EOY |
Total Liab Net Assets Fund Balances TotalLiabNetAssetsFundBalances
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 1965339287 | BOY |
| EOY | 1919940851 | EOY |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Info In Schedule O Part XI | X | InfoInScheduleOPartXI |
| Reconcilation Revenue Expenses | 18734550 | ReconcilationRevenueExpenses |
| Reconcilation Other Changes | -680590 | ReconcilationOtherChanges |
| Method Of Accounting Accrual | X | MethodOfAccountingAccrual |
| Accountant Compile Or Review | false | AccountantCompileOrReview |
| FS Audited | true | FSAudited |
| Audit Committee | true | AuditCommittee |
| Financial Statement Consolidated | X | FinancialStatementConsolidated |
| Federal Grant Audit Required | false | FederalGrantAuditRequired |
Schedule C IRS990ScheduleC
| Field | Value | IRS element (for citing) |
|---|---|---|
| Political Expenditures | 50000 | PoliticalExpenditures |
| Amt Of Internal Funds Contributed | 50000 | AmtOfInternalFundsContributed |
| Total Exmpt Function Expenditures | 50000 | TotalExmptFunctionExpenditures |
| Form1120 Pol Filed | true | Form1120PolFiled |
Sec527 Pol Orgs Sec527PolOrgs
Name Of527 Organization NameOf527Organization
| Field | Value | IRS element (for citing) |
|---|---|---|
| Business Name Line1 | VOICES OF MAIN STREET | BusinessNameLine1 |
Address US AddressUS
| Field | Value | IRS element (for citing) |
|---|---|---|
| Address Line1 | PO BOX 6127 | AddressLine1 |
| City | DENVER | City |
| State | CO | State |
| ZIP Code | 80206 | ZIPCode |
| Field | Value | IRS element (for citing) |
|---|---|---|
| EIN | 273480968 | EIN |
| Amt Pd From Internal Funds | 50000 | AmtPdFromInternalFunds |
Form990 Schedule C Part IV Form990ScheduleCPartIV
| Field | Value | IRS element (for citing) |
|---|---|---|
| Identifier | I-A | Identifier |
| Return Reference | 1 | ReturnReference |
| Explanation | IN SUPPORT OF THE CREDIT UNION ASSOCIATION OF COLORADO CAMPAIGN EFFORTS. | Explanation |
Schedule D IRS990ScheduleD
| Field | Value | IRS element (for citing) |
|---|---|---|
| Included On FS | false | IncludedOnFS |
Land Land
| Field | Value | IRS element (for citing) |
|---|---|---|
| Other Cost Or Other Basis | 11322660 | OtherCostOrOtherBasis |
| Book Value | 11322660 | BookValue |
Buildings Buildings
| Field | Value | IRS element (for citing) |
|---|---|---|
| Other Cost Or Other Basis | 14143687 | OtherCostOrOtherBasis |
| Depreciation | 6272522 | Depreciation |
| Book Value | 7871165 | BookValue |
Leasehold Improvements LeaseholdImprovements
| Field | Value | IRS element (for citing) |
|---|---|---|
| Other Cost Or Other Basis | 5809914 | OtherCostOrOtherBasis |
| Depreciation | 4526966 | Depreciation |
| Book Value | 1282948 | BookValue |
Equipment Equipment
| Field | Value | IRS element (for citing) |
|---|---|---|
| Other Cost Or Other Basis | 20882967 | OtherCostOrOtherBasis |
| Depreciation | 15696031 | Depreciation |
| Book Value | 5186936 | BookValue |
Other Land Buildings OtherLandBuildings
| Field | Value | IRS element (for citing) |
|---|---|---|
| Other Cost Or Other Basis | 9972863 | OtherCostOrOtherBasis |
| Depreciation | 9006992 | Depreciation |
| Book Value | 965871 | BookValue |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Of Book Value Land Buildings | 26629580 | TotalOfBookValueLandBuildings |
Other Liabilities OtherLiabilities (5 entries)
| DescriptionDescription | AmountAmount |
|---|---|
| SHARES | $240,383,525 |
| SHARE DRAFTS | $274,336,469 |
| MONEY MARKET | $584,150,431 |
| CERTIFICATES | $536,084,676 |
| IRA SHARES | $41,429,746 |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Of Amounts | 1676384847 | TotalOfAmounts |
| Total Revenue | 121767061 | TotalRevenue |
| Total Expenses | 103032511 | TotalExpenses |
| Excess Or Deficit For Year | 18734550 | ExcessOrDeficitForYear |
| Net Unrealized GL On Investments | -680590 | NetUnrealizedGLOnInvestments |
| Total Adjustments | -680590 | TotalAdjustments |
| Excess Or Deficit Per FS | 18053960 | ExcessOrDeficitPerFS |
| Tot Revenue Etc Audited Fincl Stmt | 122197014 | TotRevenueEtcAuditedFinclStmt |
| Other Revenues | 787946 | OtherRevenues |
| Revenue Not Rptd F990 | 787946 | RevenueNotRptdF990 |
| Revenue Subtotal | 121409068 | RevenueSubtotal |
| Other Revenues Not Included | 357993 | OtherRevenuesNotIncluded |
| Revenue Not Rptd On Fin Stmt | 357993 | RevenueNotRptdOnFinStmt |
| Total Revenue Per Form990 | 121767061 | TotalRevenuePerForm990 |
| Tot Expenses Etc Audited Fincl Stmt | 103462464 | TotExpensesEtcAuditedFinclStmt |
| Other Expenses Included | -357993 | OtherExpensesIncluded |
| Expenses Not Rptd F990 | -357993 | ExpensesNotRptdF990 |
| Expenses Subtotal | 103820457 | ExpensesSubtotal |
| Other Expenses Not Included | -787946 | OtherExpensesNotIncluded |
| Expenses Not Rptd On Fin Stmt | -787946 | ExpensesNotRptdOnFinStmt |
| Total Expenses Per Form990 | 103032511 | TotalExpensesPerForm990 |
Form990 Schedule D Part XIV Form990ScheduleDPartXIV (5 entries)
| IdentifierIdentifier | Return ReferenceReturnReference | ExplanationExplanation |
|---|---|---|
| X | 2 | FIN 48 IS NOT APPLICABLE. |
| XII | 2D | AMORTIZATION ON MORTGAGE SERVICING RIGHTS 787,946. |
| XII | 4B | LOSS ON SALE OF OREO 222,059 PLUS GAIN ON SALE OF EXPERION STOCK 522,366 PLUS AMORTIZATION ON GAIN OF ATM SALE/LEASEBACK 57,686 EQUALS 357,993. |
| XIII | 2D | LOSS ON SALE OF OREO 222,059 PLUS GAIN ON SALE OF EXPERION STOCK 522,366 PLUS AMORTIZATION ON GAIN OF ATM SALE/LEASEBACK 57,686 EQUALS 357,993. |
| XIII | 4B | AMORTIZATION ON MORTGAGE SERVICING RIGHTS 787,946. |
Schedule J IRS990ScheduleJ
| Field | Value | IRS element (for citing) |
|---|---|---|
| First Class Or Charter Travel | X | FirstClassOrCharterTravel |
| Travel For Companions | X | TravelForCompanions |
| Club Dues Or Fees | X | ClubDuesOrFees |
| Written Policy Re T And E Expenses | true | WrittenPolicyReTAndEExpenses |
| Substantiation Required | true | SubstantiationRequired |
| Compensation Committee | X | CompensationCommittee |
| Written Employment Contract | X | WrittenEmploymentContract |
| Compensation Survey | X | CompensationSurvey |
| Board Or Committee Approval | X | BoardOrCommitteeApproval |
| Severance Payment | true | SeverancePayment |
| Supplemental Nonqual Retire Plan | true | SupplementalNonqualRetirePlan |
| Equity Based Comp Arrangement | false | EquityBasedCompArrangement |
Form990 Schedule J Part II Form990ScheduleJPartII (7 entries)
| Base Compensation Filing OrgBaseCompensationFilingOrg | Other Compensation Filing OrgOtherCompensationFilingOrg | Deferred Comp Filing OrgDeferredCompFilingOrg | Nontaxable Benefits Filing OrgNontaxableBenefitsFilingOrg | Total Compensation Filing OrgTotalCompensationFilingOrg | Bonus Filing OrgBonusFilingOrg |
|---|---|---|---|---|---|
| D FERRARO | |||||
| 533686 | 4122 | 256000 | 13337 | 807145 | |
| S BLODGETT | |||||
| 193110 | 9043 | 8329 | 2616 | 213098 | |
| J RUBY | |||||
| 179122 | 276 | 17827 | 16894 | 214119 | |
| R BRUHN | |||||
| 136816 | 7037 | 143853 | |||
| T STONEBRAKER | |||||
| 153378 | 276 | 14837 | 11307 | 179798 | |
| S SAGEHORN-ELLIOTT | |||||
| 159550 | 120 | 16108 | 17370 | 193648 | 500 |
| L DOWNEY | |||||
| 149003 | 276 | 14981 | 18804 | 183064 | |
Form990 Schedule J Part III Form990ScheduleJPartIII (2 entries)
| IdentifierIdentifier | Return ReferenceReturnReference | ExplanationExplanation |
|---|---|---|
| I | 4a | R. Bruhn- 75,000 |
| I | 4b | R. BRUHN- 59,302 S.BLODGETT 100,541 BOTH INCLUDED IN AMOUNTS REPORTED IN SCHEDULE J |
Schedule L IRS990ScheduleL
Loan Table LoanTable (8 entries)
| Purpose Of LoanPurposeOfLoan | Loan From OrganizationLoanFromOrganization | Original PrincipalOriginalPrincipalAmount | Balance DueBalanceDue | DefaultDefault | Approved By BoardApprovedByBoard | Written AgreementWrittenAgreement |
|---|---|---|---|---|---|---|
| J RUBY | ||||||
| MORTGAGE LOAN | X | $210,600 | 184304 | false | true | true |
| L DOWNEY | ||||||
| MORTGAGE LOAN | X | $211,000 | 191545 | false | false | true |
| L DOWNEY | ||||||
| MORTGAGE LOAN | X | $190,000 | 173373 | false | false | true |
| S SAGEHORN-ELLIOTT | ||||||
| MORTGAGE LOAN | X | $350,000 | 328382 | false | false | true |
| S SAGEHORN-ELLIOTT | ||||||
| AUTO LOAN | X | $20,871 | 15607 | false | false | true |
| G GOODELL | ||||||
| AUTO LOAN | X | $17,029 | 8950 | false | false | true |
| G GOODELL | ||||||
| MORTGAGE LOAN | X | $210,000 | 202793 | false | false | true |
| G GOODELL | ||||||
| AUTO LOAN | X | $15,181 | 13826 | false | false | true |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Balance Due | 1118780 | TotalBalanceDue |
Schedule O IRS990ScheduleO
General Explanation GeneralExplanation (7 entries)
| IdentifierIdentifier | Return ReferenceReturnReference | ExplanationExplanation |
|---|---|---|
| Form 990 Part VI | 6 | THE ORGANIZATION HAS MEMBERS. |
| Form 990 Part VI | 11 | THE DIRECTOR OF FINANCE IS RESPONSIBLE FOR THE PREPARATION OF THE RETURN. UPON COMPLETION, THE RETURN IS REVIEWED BY EXECUTIVE MANAGEMENT AND THE PRESIDENT/CEO, ONCE ALL PARTIES HAVE COMPLETED THEIR REVIEWS AND ANY NECESSARY CORRECTIONS ARE MADE, THE RETURN IS FILED. THE BOARD OF DIRECTORS WILL REVIEW THE FORM 990 SUBSEQUENT TO FILING. |
| Form 990 Part VI | 12C | HUMAN RESOURCES IS NOTIFIED BY RISK MANAGEMENT AND OTHERS ABOUT POTENTIAL CODE OF ETHICS VIOLATIONS WHICH THEY FULLY INVESTIGATE. A DECISION IS THEN MADE CONCERNING THE ACTIONS THAT SHOULD BE TAKEN FOR THE VIOLATION. |
| Form 990 Part VI | 19 | THE CREDIT UNIONS GOVERNING DOCUMENTS ARE NOT MADE AVAILABLE TO THE PUBLIC. THE CREDIT UNIONS CONFLICT OF INTEREST POLICY IS NOT MADE AVAILABLE TO THE PUBLIC. THE CREDIT UNIONS FINANCIAL STATEMENTS ARE AVAILABLE FOR PUBLIC VIEWING ON NCUA.GOV VIA THE QUARTERLY 5300 FILING. |
| Form 990 Part VI | 7A | CREDIT UNION MEMBERSHIP MAY PARTICIPATE IN THE ELECTION OF OFFICIALS. |
| Form 990 Part VI | 15A | MARKET DATA IS PREPARED BY THE VP OF HUMAN RESOURCES FOR ALL EXECUTIVE POSITIONS. SUBTANTIATION OF THE DECISION IS GIVEN IN WRITTEN PERFORMANCE EVALUATIONS FOR ALL EXECUTIVES. |
| Form 990 Part XI | 5 | UNREALIZED LOSS ON AVAILABLE-FOR-SALE SECURITIES. |
Schedule R IRS990ScheduleR
Form990 Schedule R Part I Form990ScheduleRPartI
Name Of Disregarded Entity NameOfDisregardedEntity
| Field | Value | IRS element (for citing) |
|---|---|---|
| Business Name Line1 | BELLCO FINANCIAL SERVICES LLC | BusinessNameLine1 |
Address US AddressUS
| Field | Value | IRS element (for citing) |
|---|---|---|
| Address Line1 | PO BOX 6611 | AddressLine1 |
| City | GREENWOOD VILLAGE | City |
| State | CO | State |
| ZIP Code | 80155 | ZIPCode |
| Field | Value | IRS element (for citing) |
|---|---|---|
| EIN | 820581022 | EIN |
| Primary Activities | FINANCIAL SERVICES | PrimaryActivities |
| Legal Domicile State | CO | LegalDomicileState |
| EOY Assets | 308760 | EOYAssets |
| Direct Controlling Entity NA | N/A | DirectControllingEntityNA |