Is it real?
Yes. Never revoked by the IRS. Latest filing on record: FY2024. IRS ruling in Sep 1945.
IRS Pub. 78 · IRS Auto-Revocation List · IRS Business Master File
Where the money goes
100 cents of each dollar spent went to programs.
Form 990 Part IX, line 25. Every line is in By the numbers.
Something off? Claim to add context
Who runs it and what they're paid
14 people listed on the 990; $997K paid to officers and key staff (Part VII, Section A).
Compensation history total reportable pay by year · 8 named individuals · Part VII
| Name | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 |
|---|---|---|---|---|---|
| Gary Golden | $825,272 | $378,071 | $635,520 | $336,487 | $312,455 |
| Cheryl Altieri | $15,525 | $84,726 | $230,149 | $199,516 | $204,121 |
| Edward Biernacki | $193,630 | $202,681 | $196,614 | $161,694 | $160,771 |
| Kevin Pyle | $186,660 | $193,811 | $121,476 | — | — |
| Gerald Dorn | $149,933 | $143,243 | $147,012 | $137,170 | $137,338 |
| Ryan Conte | $113,841 | $113,379 | — | — | — |
| James Pace | $109,642 | — | $111,910 | $111,973 | $102,050 |
| Maged Basha | $106,488 | — | — | — | — |
Total reportable compensation (Form 990 Part VII column D / Schedule J column E) by filing year, matched by name within this organization. The Schedule J base / bonus / deferred breakdown is not parsed into this dataset.
See Bhcu executive salaries →Questions the 990 asks
The form asks each of these directly. These are the filed answers.
- Family or business ties among officersPt VI · Ln 2No
- Top official's pay set by an independent reviewPt VI · Ln 15aYes
Programs and updates
Helps members save, borrow affordably, and control their money democratically to improve their lives.
Questions for Bhcu
Your first name shows with your question. Bhcu answers here, for everyone.
Credit unions are cooperative savings and credit associations incorporated for the purpose of promoting thrift among its members, creating a source of credit for such members at reasonable rates of interest, and providing an opportunity for their members to use and control their own money on a democratic basis in order to improve their…
Form 990 Part III, line 4, FY2020. The organization’s own words, as filed with the IRS. Find it at the IRS (EIN 23-1417551) · Dispute this lineBy the numbers
The FY2020 990, line by line.
Download 990
| Line | Start FY20 | End FY20 |
|---|---|---|
| Cash and savingsLn 1–2 | $9.6M | $6.0M |
| InvestmentsLn 11–13 | $48.4M | $56.4M |
| Land, buildings, equipmentLn 10c | $2.0M | $2.0M |
| Total assetsLn 16 | $169.8M | $197.4M |
| LiabilitiesLn 26 | $144.1M | $169.7M |
| Net assetsLn 32 | $25.7M | $27.8M |
| Line | Total | Programs | Management | Fundraising |
|---|---|---|---|---|
| Pay of officers and key staff (Part IX, line 5)Ln 5 | $894K | |||
| Other salaries and wagesLn 7 | $965K | |||
| Pension plan contributionsLn 8 | $78K | |||
| Other employee benefitsLn 9 | $171K | |||
| Payroll taxesLn 10 | $98K | |||
| Legal feesLn 11b | $8K | |||
| Accounting feesLn 11c | $65K | |||
| Investment management feesLn 11f | $44K | |||
| Other fees for servicesLn 11g | $182K | |||
| Advertising and promotionLn 12 | $130K | |||
| Office expensesLn 13 | $145K | |||
| Information technologyLn 14 | $268K | |||
| OccupancyLn 16 | $205K | |||
| TravelLn 17 | $691 | |||
| Conferences, conventions and meetingsLn 19 | $9K | |||
| InterestLn 20 | $221 | |||
| Depreciation, depletion and amortizationLn 22 | $199K | |||
| InsuranceLn 23 | $37K | |||
| Other expenses (24a–d)Ln 24 | $2.8M | |||
| All other expensesLn 24e | $44K | |||
| Total functional expensesLn 25 | $6.3M |
Filing history
| Year | Money in | Money out | In minus out | Net assets | Download |
|---|---|---|---|---|---|
| FY2024 LatestFiled with the IRS Nov 17, 2025 | $13.2M | $12.1M | $1.0M | $26.9M | 990 PDF |
| FY2023Filed with the IRS Nov 8, 2024 | $10.7M | $9.8M | $884K | $25.1M | 990 PDF |
| FY2022Filed with the IRS Nov 14, 2023 | $8.1M | $6.8M | $1.3M | $23.9M | 990 PDF |
| FY2021Filed with the IRS Nov 14, 2022 | $8.2M | $6.0M | $2.1M | $28.9M | 990 PDF |
| FY2020 ViewingFiled with the IRS Nov 15, 2021 | $7.5M | $6.3M | $1.2M | $27.8M | 990 PDF |
Schedules filed Part IV
See the full FY2020 990
Part I · Summary $7,456,310 revenue, 12 lines filed
Part VI · Governance 9 of 9 board members independent, 1 to look at
Part VIII · Statement of revenue $7,456,310 across 5 lines filed
Part IX · Statement of functional expenses $6,302,317 across 20 lines filed
Part X · Balance sheet $197,411,033 assets, 17 lines filed
Part XI · Reconciliation of net assets $27,759,844 net assets at year end
Form 990 e-file FY2020 from the IRS (about our sources) · Classification, formation year and address from the IRS Business Master File
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