Civic Intelligence

Light Commerce Credit Union

EIN 03-0505731 • 501(c)14 • Houston, TX

Profile

Provide highest level of customer service. Emphasis on being responsive to member needs. Encourage better quality of life for our members producing a better quality cu through member education and competitive products.

1535 Greensmark DriveHouston, TX 77067

www.lightcommercecu.org

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

40th percentile

0.78x

Higher debt load relative to assets than 40% of similar nonprofits.

501(c)14 • $1M-$5M nonprofits • Source year 2024

Liabilities / Revenue

58th percentile

12.20x

Higher debt load relative to revenue than 58% of similar nonprofits.

501(c)14 • $1M-$5M nonprofits • Source year 2024

Net Margin

97th percentile

37%

Higher net margin than 97% of similar nonprofits.

501(c)14 • $1M-$5M nonprofits • Source year 2024

Top Officer Pay

18th percentile

$0

Higher top officer pay than 18% of similar nonprofits.

Top officer pay equals 0.0% of source-year revenue.

501(c)14 • $1M-$5M nonprofits • Source year 2024

Asset Growth

83rd percentile

1.5%

Faster asset growth than 83% of similar nonprofits.

501(c)14 • $1M-$5M nonprofits • Annualized from 2023 to 2024

Revenue Growth

79th percentile

9.0%

Faster revenue growth than 79% of similar nonprofits.

501(c)14 • $1M-$5M nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets40th percentile

Assets

Up

$4,923,056

Up $73,646 (+1.5%) from 2023

Liabilities

Down

$3,835,023

Down $43,481 (-1.1%) from 2023

Net Assets

Up

$1,088,033

Up $117,127 (+12%) from 2023

Operations
Liabilities / Revenue58th percentileNet Margin97th percentile

Revenue

Up

$314,252

Up $25,850 (+9.0%) from 2023

Expenses

Up

$197,125

Up $24,369 (+14%) from 2023

Net Income

Up

$117,127

Up $1,481 (+1.3%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth83rd percentile

Grouped bars show assets, liabilities, and net assets across loaded filings.

$6.0M$4.0M$2.0M$0Assets 2010: $2,323,064Liabilities 2010: $2,110,025Net Assets 2010: $213,0392010Assets 2011: $3,022,205Liabilities 2011: $2,702,510Net Assets 2011: $319,6952011Assets 2012: $2,345,395Liabilities 2012: $1,936,761Net Assets 2012: $408,6342012Assets 2013: $2,780,059Liabilities 2013: $2,312,346Net Assets 2013: $467,7132013Assets 2014: $2,570,447Liabilities 2014: $2,051,870Net Assets 2014: $518,5772014Assets 2015: $2,533,397Liabilities 2015: $1,993,124Net Assets 2015: $540,2732015Assets 2016: $2,826,535Liabilities 2016: $2,298,053Net Assets 2016: $528,4822016Assets 2017: $2,659,448Liabilities 2017: $2,118,011Net Assets 2017: $541,4372017Assets 2018: $2,854,006Liabilities 2018: $2,336,214Net Assets 2018: $517,7922018Assets 2019: $2,784,916Liabilities 2019: $2,193,143Net Assets 2019: $591,7732019Assets 2020: $3,870,513Liabilities 2020: $3,193,616Net Assets 2020: $676,8972020Assets 2021: $4,269,308Liabilities 2021: $3,457,079Net Assets 2021: $812,2292021Assets 2022: $4,360,265Liabilities 2022: $3,505,006Net Assets 2022: $855,2592022Assets 2023: $4,849,410Liabilities 2023: $3,878,504Net Assets 2023: $970,9062023Assets 2024: $4,923,056Liabilities 2024: $3,835,023Net Assets 2024: $1,088,0332024

Highlighted filing

2024

Assets$4,923,056
Liabilities$3,835,023
Net Assets$1,088,033
Open 2024 Filing

Operations Trend

Revenue Growth79th percentile

Revenue, expenses, and net income by year, with the latest filing highlighted.

$400K$300K$200K$100K$0-$100KExpenses 2010: $169,6062010Expenses 2011: $161,5762011Revenue 2012: $257,731Expenses 2012: $168,792Net Income 2012: $88,9392012Revenue 2013: $216,521Expenses 2013: $157,442Net Income 2013: $59,0792013Revenue 2014: $173,586Expenses 2014: $122,722Net Income 2014: $50,8642014Revenue 2015: $164,806Expenses 2015: $143,110Net Income 2015: $21,6962015Revenue 2016: $166,460Expenses 2016: $157,049Net Income 2016: $9,4112016Revenue 2017: $165,153Expenses 2017: $152,198Net Income 2017: $12,9552017Revenue 2018: $192,108Expenses 2018: $215,753Net Income 2018: -$23,6452018Revenue 2019: $323,976Expenses 2019: $122,286Net Income 2019: $201,6902019Revenue 2020: $331,199Expenses 2020: $121,077Net Income 2020: $210,1222020Revenue 2021: $59,389Expenses 2021: $30,442Net Income 2021: $28,9472021Revenue 2022: $230,108Expenses 2022: $158,129Net Income 2022: $71,9792022Revenue 2023: $288,402Expenses 2023: $172,756Net Income 2023: $115,6462023Revenue 2024: $314,252Expenses 2024: $197,125Net Income 2024: $117,1272024

Highlighted filing

2024

Revenue$314,252
Expenses$197,125
Net Income$117,127
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$4,923,056
Liabilities
$3,835,023
Net assets
$1,088,033
Revenue
$314,252
Expenses
$197,125
Net income
$117,127
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$4.92$3.84$1.09$0.31$0.20$0.12
2023Detailed filing. Detailed filing data is available for this year.$4.85$3.88$0.97$0.29$0.17$0.12
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$4.36$3.51$0.86$0.23$0.16$0.07
2021Import issue. A filing source exists for this year, but detailed import did not complete cleanly.$4.27$3.46$0.81$0.06$0.03$0.03
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$3.87$3.19$0.68$0.33$0.12$0.21
2019Detailed filing. Detailed filing data is available for this year.$2.78$2.19$0.59$0.32$0.12$0.20
2018Facts available. Structured filing facts are available, but richer extracted sections are limited.$2.85$2.34$0.52$0.19$0.22$0.02
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$2.66$2.12$0.54$0.17$0.15$0.01
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$2.83$2.30$0.53$0.17$0.16$0.01
2015XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$2.53$1.99$0.54$0.16$0.14$0.02
2014Detailed filing. Detailed filing data is available for this year.$2.57$2.05$0.52$0.17$0.12$0.05
2013Detailed filing. Detailed filing data is available for this year.$2.78$2.31$0.47$0.22$0.16$0.06
2012Summary only. Only limited summary data is available for this year.$2.35$1.94$0.41$0.26$0.17$0.09
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$3.02$2.70$0.32$0.16
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$2.32$2.11$0.21$0.17
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
May 15, 2025
Return Version
2024v5.2
Gross Receipts
$314,252
Mission and Program Overview

Mission

Provide highest level of customer service. Emphasis on being responsive to member needs. Encourage better quality of life for our members producing a better quality cu through member education and competitive products.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$3,465,660$3,343,312▼ $122,348
Investments Program Related$1,279,008$1,497,733▲ $218,725
Rtn Earn Endowment Incm Other Fnds$970,906$1,088,033▲ $117,127
Cash and Non-Interest-Bearing Accounts$81,504$58,485▼ $23,019
Land, Buildings, and Equipment, Net$7,959$8,410▲ $451
Prepaid Expenses and Deferred Charges$448$467▲ $19
Total Assets$4,849,410$4,923,056▲ $73,646
Other Assets Total$14,831$14,649▼ $182
Liabilities
Other Liabilities$3,812,404$3,804,117▼ $8,287
Accounts Payable and Accrued Expenses$66,100$30,906▼ $35,194
Total Liabilities$3,878,504$3,835,023▼ $43,481
Net Assets / Fund Balance
Total Net Assets Fund Balance$970,906$1,088,033▲ $117,127
Total Liabilities and Net Assets / Fund Balance$4,849,410$4,923,056▲ $73,646

Asset Categories

AssetBook ValueDepreciationBasis
Investment Program Related Org$97,215--
Land$0--
Equipment$8,410$15,099-
Compensation and Service Providers
Top Officer Pay18th percentile

Board Members and Trustees

NameTitle
Dr Ira Van HilliardChairman
Dr Bridget HilliardVice-chairman
Irishea HilliardDirector
Malachi S JohnsonSecretary
Harlene B JohnsonTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$275,091
Investment Income
$38,360
Other Revenue
$801
Change in Net Assets
$117,127
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$143,844
Salaries, Compensation, and Employee Benefits$33,667
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Office Expenses$87,910$0$0$87,910
Other Salaries and Wages$33,667$0$0$33,667
Benefits to Members$19,614--$19,614
Conferences and Meetings$11,860$0$0$11,860
Other Expenses$10,043$0$0$10,043
Insurance$9,168$0$0$9,168
Fees for Services Other$7,632$0$0$7,632
Depreciation Depletion$2,484$0$0$2,484
Advertising$804$0$0$804
All Other Expenses$-21,322$0$0$-21,322
Total Functional Expenses$197,125$0$0$197,125
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Subject to proxy tax
No
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Share Deposits$3,804,117
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Audit committee
Yes
Business relationship with 35% controlled entity
No
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
No
Other officer compensation reviewed
No
Conflict-of-interest policy
No
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No
Filing and Contact Details

Filer

Filer Name
Light Commerce Credit Union
EIN
03-0505731
Phone
2818767576
Address
1535 GREENSMARK DRIVE, HOUSTON, TX 77067

Signing Officer

Name
Harlene B Johnson
Title
President
Phone
2818767576
Signed
2025-05-15
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Harlene B Johnson
Formed
2004
Legal Domicile
TX
Voting Board Members
5
Independent Board Members
5
Employees
0
Volunteers
2

Preparer

Firm
Church Development Resource Group
Address
11233 CROWN PARK DR STE A, HOUSTON, TX 77067
Preparer
Malachi S Johnson
Phone
2814138997
Supplemental Narrative

Additional Explanations

Pt VI, Line 2

“Related Party Information Among Officers: Ira V. Hilliard, Chairman, and Bridget E. Hilliard, Vice Chairman, have a family relationship. Harlene B. Johnson, Pres./Treas., and Malachi S. Johnson, Secretary, have a family relationship.”

Pt VI, Line 6

“Classes of Members or Stockholders: Light Commerce Credit Union is a state chartered credit union of owner/members belonging to a common field of membership and who have paid into their Share Accounts a minimum authorized membership fee.”

Pt VI, Line 7A

“Election of Members and Their Rights: Members hold Annual Meetings at which time the Members present elect open positions for the Board of Directors. Election is run by the Nominating Committee who normally screen any Members running for these open Board positions.”

Pt VI, Line 11B

“Organizations Process to Review Form 990: A copy of Form 990 is provided to each Board Member for review. After review and discussion, the Form is approved for remittance to the IRS and such action is recorded in the Board Minutes.”

Pt VI, Line 19

“Governing Documents Disclosure Explanation: The credit union posts its financial statements in the credit union lobby for Members to review. The governance documents are available in the credit union for review upon request.”

Raw XML AppendixShowing 400 of 405 raw XML fields

This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

Path#Value
IRS990/AccountantCompileOrReviewInd0false
IRS990/AccountsPayableAccrExpnssGrp/BOYAmt066100
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt030906
IRS990/ActivitiesConductedPrtshpInd0false
IRS990/ActivityOrMissionDesc0PROVIDE HIGHEST LEVEL OF CUSTOMER SERVICE. EMPHASIS ON BEING RESPONSIVE TO MEMBER NEEDS. ENCOURAGE BETTER QUALITY OF LIFE FOR OUR MEMBERS PRODUCING A BETTER QUALITY CU THROUGH MEMBER EDUCATION AND COMPETITIVE PRODUCTS.
IRS990/AdvertisingGrp/FundraisingAmt00
IRS990/AdvertisingGrp/ManagementAndGeneralAmt00
IRS990/AdvertisingGrp/ProgramServicesAmt0804
IRS990/AdvertisingGrp/TotalAmt0804
IRS990/AllOtherExpensesGrp/FundraisingAmt00
IRS990/AllOtherExpensesGrp/ManagementAndGeneralAmt00
IRS990/AllOtherExpensesGrp/ProgramServicesAmt0-21322
IRS990/AllOtherExpensesGrp/TotalAmt0-21322
IRS990/AuditCommitteeInd0true
IRS990/BenefitsToMembersGrp/ProgramServicesAmt019614
IRS990/BenefitsToMembersGrp/TotalAmt019614
IRS990/BooksInCareOfDetail/PersonNm0HARLENE B JOHNSON
IRS990/BooksInCareOfDetail/PhoneNum02818767576
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt01535 GREENSMARK DRIVE
IRS990/BooksInCareOfDetail/USAddress/CityNm0HOUSTON
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0TX
IRS990/BooksInCareOfDetail/USAddress/ZIPCd077067
IRS990/BusinessRlnWith35CtrlEntInd0false
IRS990/BusinessRlnWithFamMemInd0false
IRS990/BusinessRlnWithOrgMemInd0false
IRS990/CashNonInterestBearingGrp/BOYAmt081504
IRS990/CashNonInterestBearingGrp/EOYAmt058485
IRS990/ChangeToOrgDocumentsInd0false
IRS990/CollectionsOfArtInd0false
IRS990/CompensationFromOtherSrcsInd0false
IRS990/CompensationProcessCEOInd0false
IRS990/CompensationProcessOtherInd0false
IRS990/ConferencesMeetingsGrp/FundraisingAmt00
IRS990/ConferencesMeetingsGrp/ManagementAndGeneralAmt00
IRS990/ConferencesMeetingsGrp/ProgramServicesAmt011860
IRS990/ConferencesMeetingsGrp/TotalAmt011860
IRS990/ConflictOfInterestPolicyInd0false
IRS990/ConservationEasementsInd0false
IRS990/ConsolidatedAuditFinclStmtInd0false
IRS990/CreditCounselingInd0false
IRS990/CYBenefitsPaidToMembersAmt019614
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt038360
IRS990/CYOtherExpensesAmt0143844
IRS990/CYOtherRevenueAmt0801
IRS990/CYProgramServiceRevenueAmt0275091
IRS990/CYRevenuesLessExpensesAmt0117127
IRS990/CYSalariesCompEmpBnftPaidAmt033667
IRS990/CYTotalExpensesAmt0197125
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt0314252
IRS990/DecisionsSubjectToApprovaInd0false
IRS990/DeductibleArtContributionInd0false
IRS990/DeductibleNonCashContriInd0false
IRS990/DelegationOfMgmtDutiesInd0false
IRS990/DepreciationDepletionGrp/FundraisingAmt00
IRS990/DepreciationDepletionGrp/ManagementAndGeneralAmt00
IRS990/DepreciationDepletionGrp/ProgramServicesAmt02484
IRS990/DepreciationDepletionGrp/TotalAmt02484
IRS990/Desc0NO SIGNIFICANT ACCOMPLISHMENTS DURING CURRENT TAX YEAR.
IRS990/DescribedInSection501c3Ind0false
IRS990/DisregardedEntityInd0false
IRS990/DocumentRetentionPolicyInd0true
IRS990/DonorAdvisedFundInd0false
IRS990/DonorRstrOrQuasiEndowmentsInd0false
IRS990/ElectionOfBoardMembersInd0true
IRS990/EmployeeCnt00
IRS990/FamilyOrBusinessRlnInd0true
IRS990/FederalGrantAuditRequiredInd0false
IRS990/FeesForServicesOtherGrp/FundraisingAmt00
IRS990/FeesForServicesOtherGrp/ManagementAndGeneralAmt00
IRS990/FeesForServicesOtherGrp/ProgramServicesAmt07632
IRS990/FeesForServicesOtherGrp/TotalAmt07632
IRS990/ForeignActivitiesInd0false
IRS990/ForeignFinancialAccountInd0false
IRS990/ForeignOfficeInd0false
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt01.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt11.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt21.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt31.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt41.00
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd1X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd2X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd3X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd4X
IRS990/Form990PartVIISectionAGrp/OfficerInd0X
IRS990/Form990PartVIISectionAGrp/OfficerInd1X
IRS990/Form990PartVIISectionAGrp/OfficerInd2X
IRS990/Form990PartVIISectionAGrp/OfficerInd3X
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt00
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt10
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt20
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt30
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt40
IRS990/Form990PartVIISectionAGrp/PersonNm0DR IRA VAN HILLIARD
IRS990/Form990PartVIISectionAGrp/PersonNm1DR BRIDGET HILLIARD
IRS990/Form990PartVIISectionAGrp/PersonNm2MALACHI S JOHNSON
IRS990/Form990PartVIISectionAGrp/PersonNm3HARLENE B JOHNSON
IRS990/Form990PartVIISectionAGrp/PersonNm4IRISHEA HILLIARD
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt40
IRS990/Form990PartVIISectionAGrp/TitleTxt0CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt1VICE-CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt2SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt3TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt4DIRECTOR
IRS990/Form990ProvidedToGvrnBodyInd0false
IRS990/FormationYr02004
IRS990/FormerOfcrEmployeesListedInd0false
IRS990/FSAuditedInd0false
IRS990/FundraisingActivitiesInd0false
IRS990/GamingActivitiesInd0false
IRS990/GoverningBodyVotingMembersCnt05
IRS990/GrantsToIndividualsInd0false
IRS990/GrantsToOrganizationsInd0false
IRS990/GrantToRelatedPersonInd0false
IRS990/GrossReceiptsAmt0314252
IRS990/GroupReturnForAffiliatesInd0false
IRS990/IncludeFIN48FootnoteInd0false
IRS990/IndependentAuditFinclStmtInd0false
IRS990/IndependentVotingMemberCnt05
IRS990/IndoorTanningServicesInd0false
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InsuranceGrp/FundraisingAmt00
IRS990/InsuranceGrp/ManagementAndGeneralAmt00
IRS990/InsuranceGrp/ProgramServicesAmt09168
IRS990/InsuranceGrp/TotalAmt09168
IRS990/InterestGrp/FundraisingAmt00
IRS990/InterestGrp/ManagementAndGeneralAmt00
IRS990/InterestGrp/ProgramServicesAmt00
IRS990/InterestGrp/TotalAmt00
IRS990/InvestmentIncomeGrp/ExclusionAmt00
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt038360
IRS990/InvestmentIncomeGrp/UnrelatedBusinessRevenueAmt00
IRS990/InvestmentInJointVentureInd0false
IRS990/InvestmentsProgramRelatedGrp/BOYAmt01279008
IRS990/InvestmentsProgramRelatedGrp/EOYAmt01497733
IRS990/IRPDocumentCnt00
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt015099
IRS990/LandBldgEquipBasisNetGrp/BOYAmt07959
IRS990/LandBldgEquipBasisNetGrp/EOYAmt08410
IRS990/LandBldgEquipCostOrOtherBssAmt023509
IRS990/LegalDomicileStateCd0TX
IRS990/LoanOutstandingInd0false
IRS990/LocalChaptersInd0false
IRS990/MaterialDiversionOrMisuseInd0false
IRS990/MembersOrStockholdersInd0true
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd0true
IRS990/MinutesOfGoverningBodyInd0true
IRS990/MiscellaneousRevenueGrp/ExclusionAmt00
IRS990/MiscellaneousRevenueGrp/RelatedOrExemptFuncIncomeAmt0801
IRS990/MiscellaneousRevenueGrp/TotalRevenueColumnAmt0801
IRS990/MiscellaneousRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/MissionDesc0PROVIDE HIGHEST LEVEL OF CUSTOMER SERVICE. EMPHASIS ON BEING RESPONSIVE TO MEMBER NEEDS. ENCOURAGE BETTER QUALITY OF LIFE FOR OUR MEMBERS PRODUCING A BETTER QUALITY CU THROUGH MEMBER EDUCATION AND COMPETITIVE PRODUCTS.
IRS990/MoreThan5000KToIndividualsInd0false
IRS990/MoreThan5000KToOrgInd0false
IRS990/NetAssetsOrFundBalancesBOYAmt0970906
IRS990/NetAssetsOrFundBalancesEOYAmt01088033
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NoListedPersonsCompensatedInd0X
IRS990/NondeductibleContributionsInd0false
IRS990/OfficeExpensesGrp/FundraisingAmt00
IRS990/OfficeExpensesGrp/ManagementAndGeneralAmt00
IRS990/OfficeExpensesGrp/ProgramServicesAmt087910
IRS990/OfficeExpensesGrp/TotalAmt087910
IRS990/OfficerMailingAddressInd0false
IRS990/OperateHospitalInd0false
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt014831
IRS990/OtherAssetsTotalGrp/EOYAmt014649
IRS990/OtherExpensesGrp/Desc0FISERV SOLUTIONS
IRS990/OtherExpensesGrp/Desc1LOAN SERVICING EXPENSE
IRS990/OtherExpensesGrp/Desc2ASSOCIATION DUES
IRS990/OtherExpensesGrp/Desc3PROVISION FOR LOAN LOSSES
IRS990/OtherExpensesGrp/FundraisingAmt00
IRS990/OtherExpensesGrp/FundraisingAmt10
IRS990/OtherExpensesGrp/FundraisingAmt20
IRS990/OtherExpensesGrp/FundraisingAmt30
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt00
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt10
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt20
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt30
IRS990/OtherExpensesGrp/ProgramServicesAmt028189
IRS990/OtherExpensesGrp/ProgramServicesAmt12937
IRS990/OtherExpensesGrp/ProgramServicesAmt24139
IRS990/OtherExpensesGrp/ProgramServicesAmt310043
IRS990/OtherExpensesGrp/TotalAmt028189
IRS990/OtherExpensesGrp/TotalAmt12937
IRS990/OtherExpensesGrp/TotalAmt24139
IRS990/OtherExpensesGrp/TotalAmt310043
IRS990/OtherLiabilitiesGrp/BOYAmt03812404
IRS990/OtherLiabilitiesGrp/EOYAmt03804117
IRS990/OtherRevenueTotalAmt0801
IRS990/OtherSalariesAndWagesGrp/FundraisingAmt00
IRS990/OtherSalariesAndWagesGrp/ManagementAndGeneralAmt00
IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt033667
IRS990/OtherSalariesAndWagesGrp/TotalAmt033667
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt03465660
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt03343312
IRS990/PartialLiquidationInd0false
IRS990/PoliticalCampaignActyInd0false
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0448
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0467
IRS990/PrincipalOfficerNm0HARLENE B JOHNSON
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/BusinessCd0522291
IRS990/ProgramServiceRevenueGrp/BusinessCd1522291
IRS990/ProgramServiceRevenueGrp/Desc0INTEREST ON LOANS
IRS990/ProgramServiceRevenueGrp/Desc1FEES & CHARGES
IRS990/ProgramServiceRevenueGrp/ExclusionAmt00
IRS990/ProgramServiceRevenueGrp/ExclusionAmt10
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt0223140
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt151951
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt10
IRS990/ProgSrvcAccomActy2Grp/Desc0NO SIGNIFICANT ACCOMPLISHMENTS DURING CURRENT TAX YEAR.
IRS990/ProgSrvcAccomActy3Grp/Desc0CORE CONVERSION AND DEBIT CARD FLIP IN YEAR 2017.
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYBenefitsPaidToMembersAmt014590
IRS990/PYInvestmentIncomeAmt056743
IRS990/PYOtherExpensesAmt050666
IRS990/PYOtherRevenueAmt01875
IRS990/PYProgramServiceRevenueAmt0229784
IRS990/PYRevenuesLessExpensesAmt0115646
IRS990/PYSalariesCompEmpBnftPaidAmt0107500
IRS990/PYTotalExpensesAmt0172756
IRS990/PYTotalRevenueAmt0288402
IRS990/ReconcilationRevenueExpnssAmt0117127
IRS990/RelatedEntityInd0true
IRS990/RelatedOrganizationCtrlEntInd0true
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0true
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt0970906
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt01088033
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/EquipmentGrp/BookValueAmt08410
IRS990ScheduleD/EquipmentGrp/DepreciationAmt015099
IRS990ScheduleD/EquipmentGrp/InvestmentCostOrOtherBasisAmt023509
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt0895000
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt1118770
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt236310
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt3350000
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt4438
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt50
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt697215
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc0CATALYST PTA
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc1CATALYST CORP. SETTLEMENT
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc2NCUSIF DEPOSIT
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc3SHARES, DEPOSITS, CDS
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc4CAPITAL SHARES/CATALYST
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc5SHARES, DEPOSITS, CDS-CORP
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc6SHARES,DEPOSITS,-CORP-AMERI
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd0C
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd1C
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd2C
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd3C
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd4C
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd5C
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd6C
IRS990ScheduleD/LandGrp/BookValueAmt00
IRS990ScheduleD/LandGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt03804117
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER SHARE DEPOSITS
IRS990ScheduleD/TotalBookValueLandBuildingsAmt08410
IRS990ScheduleD/TotalBookValueProgramRltdAmt01497733
IRS990ScheduleD/TotalLiabilityAmt03804117
IRS990/ScheduleJRequiredInd0false
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0Related Party Information Among Officers: Ira V. Hilliard, Chairman, and Bridget E. Hilliard, Vice Chairman, have a family relationship. Harlene B. Johnson, Pres./Treas., and Malachi S. Johnson, Secretary, have a family relationship.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1Classes of Members or Stockholders: Light Commerce Credit Union is a state chartered credit union of owner/members belonging to a common field of membership and who have paid into their Share Accounts a minimum authorized membership fee.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2Election of Members and Their Rights: Members hold Annual Meetings at which time the Members present elect open positions for the Board of Directors. Election is run by the Nominating Committee who normally screen any Members running for these open Board positions.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3Organizations Process to Review Form 990: A copy of Form 990 is provided to each Board Member for review. After review and discussion, the Form is approved for remittance to the IRS and such action is recorded in the Board Minutes.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4Governing Documents Disclosure Explanation: The credit union posts its financial statements in the credit union lobby for Members to review. The governance documents are available in the credit union for review upon request.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Pt VI, Line 2
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Pt VI, Line 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Pt VI, Line 7a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Pt VI, Line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Pt VI, Line 19
IRS990ScheduleR/AssetExchangeInd0false
IRS990ScheduleR/AssetPurchaseFromOtherOrgInd0false
IRS990ScheduleR/AssetSaleToOtherOrgInd0false
IRS990ScheduleR/DivRelatedOrganizationInd0false
IRS990ScheduleR/GiftGrntCapContriFromOthOrgInd0false
IRS990ScheduleR/GiftGrntOrCapContriToOthOrgInd0false
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/ControlledOrganizationInd0false
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/DirectControllingEntityName/BusinessNameLine1Txt0NEW LIGHT
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/DisregardedEntityName/BusinessNameLine1Txt0NEW LIGHT CHURCH
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/EIN0760198056
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/ExemptCodeSectionTxt0501 C
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/LegalDomicileStateCd0TX
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/PrimaryActivitiesTxt0CHURCH
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/PublicCharityStatusTxt01
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/USAddress/AddressLine1Txt01535 Greenmark Drive
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/USAddress/CityNm0HOUSTON
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/USAddress/StateAbbreviationCd0TX
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/USAddress/ZIPCd077067
IRS990ScheduleR/LoansOrGuaranteesFromOthOrgInd0false
IRS990ScheduleR/LoansOrGuaranteesToOtherOrgInd0false
IRS990ScheduleR/PaidEmployeesSharingInd0false
IRS990ScheduleR/PerformOfServicesByOtherOrgInd0false
IRS990ScheduleR/PerformOfServicesForOthOrgInd0false
IRS990ScheduleR/ReceiptOfIntAnntsRntsRyltsInd0false
IRS990ScheduleR/ReimbursementPaidByOtherOrgInd0false
IRS990ScheduleR/ReimbursementPaidToOtherOrgInd0false
IRS990ScheduleR/RentalOfFacilitiesToOthOrgInd0false
IRS990ScheduleR/RentalOfFcltsFromOthOrgInd0false
IRS990ScheduleR/SharingOfFacilitiesInd0true
IRS990ScheduleR/TransactionsRelatedOrgGrp/MethodOfAmountDeterminationTxt0N/A
IRS990ScheduleR/TransactionsRelatedOrgGrp/OtherOrganizationName/BusinessNameLine1Txt0NEW LIGHT CHRISTIAN CENTER CHURCH
IRS990ScheduleR/TransactionsRelatedOrgGrp/TransactionTypeTxt0n
IRS990ScheduleR/TransferFromOtherOrgInd0false
IRS990ScheduleR/TransferToOtherOrgInd0false
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt04849410
IRS990/TotalAssetsEOYAmt04923056
IRS990/TotalAssetsGrp/BOYAmt04849410
IRS990/TotalAssetsGrp/EOYAmt04923056
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt00
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt0197125
IRS990/TotalFunctionalExpensesGrp/TotalAmt0197125
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt03878504
IRS990/TotalLiabilitiesEOYAmt03835023
IRS990/TotalLiabilitiesGrp/BOYAmt03878504
IRS990/TotalLiabilitiesGrp/EOYAmt03835023
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt0970906
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt01088033
IRS990/TotalOthProgramServiceRevGrp/ExclusionAmt00
IRS990/TotalOthProgramServiceRevGrp/TotalRevenueColumnAmt00
IRS990/TotalOthProgramServiceRevGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalProgramServiceRevenueAmt0275091
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0314252
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0314252
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt02
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt04849410
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt04923056
IRS990/TransactionWithControlEntInd0false
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt01535 GREENSMARK DR
IRS990/USAddress/CityNm0HOUSTON
IRS990/USAddress/StateAbbreviationCd0TX
IRS990/USAddress/ZIPCd077067
IRS990/VotingMembersGoverningBodyCnt05
IRS990/VotingMembersIndependentCnt05
IRS990/WebsiteAddressTxt0www.lightcommercecu.org
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0HARLENE B JOHNSON
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT
ReturnHeader/BusinessOfficerGrp/PhoneNum02818767576
ReturnHeader/BusinessOfficerGrp/SignatureDt02025-05-15
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0LIGHT COMMERCE CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0LIGH
ReturnHeader/Filer/EIN0030505731
ReturnHeader/Filer/PhoneNum02818767576
ReturnHeader/Filer/USAddress/AddressLine1Txt01535 GREENSMARK DRIVE
ReturnHeader/Filer/USAddress/CityNm0HOUSTON
ReturnHeader/Filer/USAddress/StateAbbreviationCd0TX
ReturnHeader/Filer/USAddress/ZIPCd077067
ReturnHeader/IRSResponsiblePrtyInfoCurrInd0true
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0760587407
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0CHURCH DEVELOPMENT RESOURCE GROUP
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt011233 CROWN PARK DR STE A
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0HOUSTON
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0TX
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd077067
ReturnHeader/PreparerPersonGrp/PhoneNum02814138997
ReturnHeader/PreparerPersonGrp/PreparationDt02025-11-08
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0Malachi S Johnson

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