Civic Intelligence

Tcc Credit Union

990 • Fiscal year 2013 • EIN 23-7004662

Jan 01, 2013 to Dec 31, 2013 • Filed on Jul 30, 2014

Organization ProfileWWW.TCCCU.COM

View Organization Page

PO Box 3866775238

(214) 348-8670

Siviq Scores

Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.

Liabilities / Assets

91st percentile

0.92x

Higher debt load relative to assets than 91% of similar nonprofits.

2013 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2013

Liabilities / Revenue

26th percentile

16.14x

Higher debt load relative to revenue than 26% of similar nonprofits.

2013 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2013

Net Margin

54th percentile

6.8%

Higher net margin than 54% of similar nonprofits.

2013 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2013

Top Officer Pay

42nd percentile

$87,648

Higher top officer pay than 42% of similar nonprofits.

Top officer pay equals 5.6% of source-year revenue.

2013 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2013

Asset Growth

77th percentile

5.1%

Faster asset growth than 77% of similar nonprofits.

2013 filings • 501(c)14 • $25M-$50M nonprofits • Annualized from 2012 to 2013

Revenue Growth

Score unavailable

No value available

No earlier valid filing was available within the previous three public years.

Source year 2013

Balance Sheet
Liabilities / Assets91st percentile

Assets

Up

$27,204,560

Up $1,312,915 (+5.1%) from 2012

Net Assets

Up

$2,119,585

Up $105,903 (+5.3%) from 2012

Liabilities

Up

$25,084,975

Up $1,207,012 (+5.1%) from 2012

Revenue And Expenses
Liabilities / Revenue26th percentileNet Margin54th percentile

Revenue

$1,554,150

No earlier filing loaded for comparison.

Expenses

Down

$1,448,247

Down $83,264 (-5.4%) from 2012

Net Income

$105,903

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth77th percentile

The highlighted filing sits inside the broader history for assets, liabilities, and net assets.

$40M$30M$20M$10M$0Assets 2010: $26,904,172Liabilities 2010: $25,012,909Net Assets 2010: $1,891,2632010Assets 2011: $25,531,128Liabilities 2011: $23,682,224Net Assets 2011: $1,848,9042011Assets 2012: $25,891,645Liabilities 2012: $23,877,963Net Assets 2012: $2,013,6822012Assets 2013: $27,204,560Liabilities 2013: $25,084,975Net Assets 2013: $2,119,5852013Assets 2014: $33,068,842Liabilities 2014: $31,418,565Net Assets 2014: $1,650,2772014Assets 2015: $0Liabilities 2015: $0Net Assets 2015: $02015

Highlighted filing

2013

Assets$27,204,560
Liabilities$25,084,975
Net Assets$2,119,585
Open 2013 Filing

Operations Trend

Revenue GrowthScore unavailable

Revenue, expenses, and net income across loaded years, with this filing highlighted.

$3.0M$2.0M$1.0M$0-$1.0MExpenses 2010: $1,893,0162010Expenses 2011: $1,597,9032011Expenses 2012: $1,531,5112012Revenue 2013: $1,554,150Expenses 2013: $1,448,247Net Income 2013: $105,9032013Revenue 2014: $2,164,338Expenses 2014: $2,633,646Net Income 2014: -$469,3082014Revenue 2015: $673,482Expenses 2015: $1,092,396Net Income 2015: -$418,9142015

Highlighted filing

2013

Revenue$1,554,150
Expenses$1,448,247
Net Income$105,903
Open 2013 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2013 to Dec 31, 2013
Signed
Jul 30, 2014
Return Version
2013v3.1
Gross Receipts
$1,554,150
Mission and Program Overview

Mission

Tcc credit union is a cooperative thrift institution and is a member of the national credit union administration. Our goal is to provide financial services to help our members achieve their financial goals and dreams.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$21,823,058$23,456,505▲ $1,633,447
Rtn Earn Endowment Incm Other Fnds$2,013,682$2,119,585▲ $105,903
Land, Buildings, and Equipment, Net$1,828,252$1,754,034▼ $74,218
Cash and Non-Interest-Bearing Accounts$1,730,956$1,437,835▼ $293,121
Prepaid Expenses and Deferred Charges$29,350$41,063▲ $11,713
Investments Program Related$7,777$7,780▲ $3
Savings and Temporary Cash Investments-$0-
Accounts Receivable-$0-
Pledges and Grants Receivable-$0-
Receivable From Disqualified Prsn-$0-
Receivables From Officers Etc-$0-
Investments Other Securities-$0-
Investments in Publicly Traded Securities-$0-
Intangible Assets-$0-
Inventories for Sale or Use-$0-
Total Assets$25,891,645$27,204,560▲ $1,312,915
Other Assets Total$472,252$507,343▲ $35,091
Liabilities
Other Liabilities$23,828,579$25,034,738▲ $1,206,159
Accounts Payable and Accrued Expenses$49,384$50,237▲ $853
Total Liabilities$23,877,963$25,084,975▲ $1,207,012
Net Assets / Fund Balance
Total Net Assets Fund Balance$2,013,682$2,119,585▲ $105,903
Total Liabilities and Net Assets / Fund Balance$25,891,645$27,204,560▲ $1,312,915

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$1,631,795$280,708$1,912,503
Equipment$30,239$913,805$944,044
Land$92,000-$92,000
Compensation and Service Providers
Top Officer Pay42nd percentile

Employees

NameTitleFull / Part TimeBaseTotal
Ronald Powers 10President/CEOFT$87,648$87,648

Board Members and Trustees

NameTitle
Robert Sweitzer 1Chair
Robert Buchheit 2Vice Chair
Bill Biermann 6Director
David Haney 5Director
Patrick Gamble 8Director
Richard Gevat 9Director
Scott Thompson 7Director
Mike Mcginnins 3Secretary
Charlie Walter 4Treasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$1,490,361
Investment Income
$3,726
Other Revenue
$60,063
Change in Net Assets
$105,903
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$923,035
Salaries, Compensation, and Employee Benefits$525,212
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Office Expenses---$473,550
Other Salaries and Wages---$362,329
Depreciation Depletion---$87,686
Current Officers, Directors, Trustees, and Key Employees---$87,648
Occupancy---$63,953
Other Employee Benefits---$39,725
Insurance---$36,444
Payroll Taxes---$35,510
Fees for Services Other---$28,269
Other Expenses---$17,174
Advertising---$10,687
Travel---$9,590
Payments to Affiliates---$1,058
Fees for Services Legal---$751
Total Functional Expenses$0$0$0$1,448,247
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
Lobbying activity
No
Subject to proxy tax
No
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Disqualified Persons-$0-
Receivables from Officers, Directors, Trustees, and Key Employees-$0-
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Shares$25,034,738
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Backup withholding compliance
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
Yes
Other officer compensation reviewed
Yes
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Line 11B: Form 990 Review Process

“A copy of the form 990 was provided to each member of the tcc credit union's governing body for review. Questions and comments are then submitted to the ceo for further discussion with the form 990 preparer and followup response back to the governing body for final approval.”

Form 990, Part VI, Line 12C: Explanation of Monitoring and Enforcement of Conflicts

“The board of directors monitors the actions and activities of the board to assure that there is no conflict of interest by any board member. All officers, directors and employees are required to file an annual conflict of interest disclosure statement.”

Form 990, Part VI, Line 15B: Compensation Review and Approval Process for Officers and Key Employees

“Process of determining compensation is based upon comparability data such as the cornerstone credit union league survey of salaries for employees and officers.”

Form 990, Part VI, Line 19: Other Organization Documents Publicly Available

“Tcc credit union makes its governing documents, conflicts of interest policy and financial statements available to the public upon request.”

Filing and Contact Details

Filer

EIN
23-7004662
Phone
2143488670

Signing Officer

Name
Robert Sweitzer
Title
Chairman
Signed
2014-07-30
Discuss with paid preparer
Yes

Organization Details

Formed
1969
Legal Domicile
TX
Voting Board Members
9
Independent Board Members
9
Employees
13

Preparer

Preparer
Frank P Conroy Ii CPA
Phone
2146968320
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This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

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IRS990/ProgramServiceRevenueGrp/Desc0INTEREST ON LOANS
IRS990/ProgramServiceRevenueGrp/Desc1LOAN FEE INCOME
IRS990/ProgramServiceRevenueGrp/Desc2MEMBER FEES & CHARGES
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt01136079
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt173291
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt2280991
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt01136079
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt173291
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt2280991
IRS990/ProgSrvcAccomActy2Grp/Desc0CHECKING ACCOUNTSTCC CREDIT UNION PROVIDES CHECKING ACCOUNTS FOR MEMBERS WITH VARIOUS FEATURES FROM FREE ACCOUNTS, FREE DEBIT CARDS, INTERNET ACCOUNT ACCESS AND FREE USE OF THE INTERNET BILL PAYER PLATFORM.
IRS990/ProgSrvcAccomActy3Grp/Desc0CONSUMER LOANSTCC CREDIT UNION 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. CONSUMER LIFE AND DISABILITY INSURANCE IS AVAILABLE ON ANY OF THESE LOAN TYPES.
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYExcessBenefitTransInd0false
IRS990/PYInvestmentIncomeAmt030498
IRS990/PymtTravelEntrtnmntPubOfclGrp/TotalAmt00
IRS990/PYOtherExpensesAmt0994443
IRS990/PYOtherRevenueAmt064202
IRS990/PYProgramServiceRevenueAmt01601589
IRS990/PYRevenuesLessExpensesAmt0164778
IRS990/PYSalariesCompEmpBnftPaidAmt0537068
IRS990/PYTotalExpensesAmt01531511
IRS990/PYTotalRevenueAmt01696289
IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt00
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt00
IRS990/ReconcilationRevenueExpnssAmt0105903
IRS990/RegularMonitoringEnfrcInd0true
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RoyaltiesGrp/TotalAmt00
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt02013682
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt02119585
IRS990/SavingsAndTempCashInvstGrp/EOYAmt00
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/BuildingsGrp/BookValueAmt01631795
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0280708
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt01912503
IRS990ScheduleD/EquipmentGrp/BookValueAmt030239
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0913805
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt0944044
IRS990ScheduleD/LandGrp/BookValueAmt092000
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt092000
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt025034738
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER SHARES
IRS990ScheduleD/TotalBookValueLandBuildingsAmt01754034
IRS990ScheduleD/TotalLiabilityAmt025034738
IRS990/ScheduleJRequiredInd0false
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0A COPY OF THE FORM 990 WAS PROVIDED TO EACH MEMBER OF THE TCC CREDIT UNION'S GOVERNING BODY FOR REVIEW. QUESTIONS AND COMMENTS ARE THEN SUBMITTED TO THE CEO FOR FURTHER DISCUSSION WITH THE FORM 990 PREPARER AND FOLLOWUP RESPONSE BACK TO THE GOVERNING BODY FOR FINAL APPROVAL.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE BOARD OF DIRECTORS MONITORS THE ACTIONS AND ACTIVITIES OF THE BOARD TO ASSURE THAT THERE IS NO CONFLICT OF INTEREST BY ANY BOARD MEMBER. ALL OFFICERS, DIRECTORS AND EMPLOYEES ARE REQUIRED TO FILE AN ANNUAL CONFLICT OF INTEREST DISCLOSURE STATEMENT.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2PROCESS OF DETERMINING COMPENSATION IS BASED UPON COMPARABILITY DATA SUCH AS THE CORNERSTONE CREDIT UNION LEAGUE SURVEY OF SALARIES FOR EMPLOYEES AND OFFICERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3TCC CREDIT UNION MAKES ITS GOVERNING DOCUMENTS, CONFLICTS OF INTEREST POLICY AND FINANCIAL STATEMENTS AVAILABLE TO THE PUBLIC UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990, Part VI, Line 11b: Form 990 Review Process
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990, Part VI, Line 12c: Explanation of Monitoring and Enforcement of Conflicts
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990, Part VI, Line 15b: Compensation Review and Approval Process for Officers and Key Employees
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990, Part VI, Line 19: Other Organization Documents Publicly Available
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/TaxableDistributionsInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt025891645
IRS990/TotalAssetsEOYAmt027204560
IRS990/TotalAssetsGrp/BOYAmt025891645
IRS990/TotalAssetsGrp/EOYAmt027204560
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalContributionsAmt00
IRS990/TotalEmployeeCnt013
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt01448247
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt023877963
IRS990/TotalLiabilitiesEOYAmt025084975
IRS990/TotalLiabilitiesGrp/BOYAmt023877963
IRS990/TotalLiabilitiesGrp/EOYAmt025084975
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt02013682
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt02119585
IRS990/TotalProgramServiceRevenueAmt01490361
IRS990/TotalReportableCompFromOrgAmt087648
IRS990/TotalRevenueGrp/ExclusionAmt03726
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt01550424
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt01554150
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt025891645
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt027204560
IRS990/TransactionWithControlEntInd0false
IRS990/TravelGrp/TotalAmt09590
IRS990/TrnsfrExmptNonChrtblRltdOrgInd0false
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/VotingMembersGoverningBodyCnt09
IRS990/VotingMembersIndependentCnt09
IRS990/WebsiteAddressTxt0WWW.TCCCU.COM
IRS990/WhistleblowerPolicyInd0true
ReturnHeader/BuildTS02015-11-30 17:44:51Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0ROBERT SWEITZER
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0Chairman
ReturnHeader/BusinessOfficerGrp/SignatureDt02014-07-30
ReturnHeader/Filer/BusinessName/BusinessNameLine10TCC CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0TCCC
ReturnHeader/Filer/EIN0237004662
ReturnHeader/Filer/PhoneNum02143488670
ReturnHeader/Filer/USAddress/AddressLine10PO BOX 38667
ReturnHeader/Filer/USAddress/City0DALLAS
ReturnHeader/Filer/USAddress/State0TX
ReturnHeader/Filer/USAddress/ZIPCode075238
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine10FOX BYRD & COMPANY PC CPAS
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1012001 N CENTRAL EXPY STE 500
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/City0DALLAS
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/State0TX
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCode0752433794
ReturnHeader/PreparerPersonGrp/PhoneNum02146968320
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0FRANK P CONROY II CPA
ReturnHeader/ReturnTs02014-07-30T15:25:42-07:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02013-01-01
ReturnHeader/TaxPeriodEndDt02013-12-31
ReturnHeader/TaxYr02013

Document Assets

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Filings

Displayed year

2013 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$27,204,560
Liabilities
$25,084,975
Net assets
$2,119,585
Revenue
$1,554,150
Expenses
$1,448,247
Net income
$105,903
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2015XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.00$0.00$0.00$0.67$1.09$0.42
2014Detailed filing. Detailed filing data is available for this year.$33.1$31.4$1.65$2.16$2.63$0.47
2013Detailed filing. Detailed filing data is available for this year.$27.2$25.1$2.12$1.55$1.45$0.11
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$25.9$23.9$2.01$1.53
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$25.5$23.7$1.85$1.60
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$26.9$25.0$1.89$1.89
Peer Organizations

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