Civic Intelligence

Tcc Credit Union

990 • Fiscal year 2014 • EIN 23-7004662

Jan 01, 2014 to Dec 31, 2014 • Filed on Nov 13, 2015

Organization ProfileWWW.TCCCU.COM

View Organization Page

1001 Fm 2004Lake Jackson, TX 77566

(361) 580-9629

Siviq Scores

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

Liabilities / Assets

99th percentile

0.95x

Higher debt load relative to assets than 99% of similar nonprofits.

2014 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2014

Liabilities / Revenue

18th percentile

14.52x

Higher debt load relative to revenue than 18% of similar nonprofits.

2014 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2014

Net Margin

3rd percentile

-22%

Higher net margin than 3% of similar nonprofits.

2014 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2014

Top Officer Pay

15th percentile

$68,505

Higher top officer pay than 15% of similar nonprofits.

Top officer pay equals 3.2% of source-year revenue.

2014 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2014

Asset Growth

99th percentile

22%

Faster asset growth than 99% of similar nonprofits.

2014 filings • 501(c)14 • $25M-$50M nonprofits • Annualized from 2013 to 2014

Revenue Growth

100th percentile

39%

Faster revenue growth than 100% of similar nonprofits.

2014 filings • 501(c)14 • $25M-$50M nonprofits • Annualized from 2013 to 2014

Balance Sheet
Liabilities / Assets99th percentile

Assets

Up

$33,068,842

Up $5,864,282 (+22%) from 2013

Net Assets

Down

$1,650,277

Down $469,308 (-22%) from 2013

Liabilities

Up

$31,418,565

Up $6,333,590 (+25%) from 2013

Revenue And Expenses
Liabilities / Revenue18th percentileNet Margin3rd percentile

Revenue

Up

$2,164,338

Up $610,188 (+39%) from 2013

Expenses

Up

$2,633,646

Up $1,185,399 (+82%) from 2013

Net Income

Down

-$469,308

Down $575,211 (-543%) from 2013

Historical Trend

Balance Sheet Trend

Asset Growth99th 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

2014

Assets$33,068,842
Liabilities$31,418,565
Net Assets$1,650,277
Open 2014 Filing

Operations Trend

Revenue Growth100th percentile

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

2014

Revenue$2,164,338
Expenses$2,633,646
Net Income-$469,308
Open 2014 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2014 to Dec 31, 2014
Signed
Nov 13, 2015
Return Version
2014v5.0
Gross Receipts
$2,164,338
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$23,456,505$26,823,098▲ $3,366,593
Savings and Temporary Cash Investments-$3,474,567-
Land, Buildings, and Equipment, Net$1,754,034$1,709,326▼ $44,708
Rtn Earn Endowment Incm Other Fnds$2,119,585$1,650,277▼ $469,308
Cash and Non-Interest-Bearing Accounts$1,437,835$443,820▼ $994,015
Prepaid Expenses and Deferred Charges$41,063$30,987▼ $10,076
Accounts Receivable-$21,165-
Investments Program Related$7,780--
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$27,204,560$33,068,842▲ $5,864,282
Other Assets Total$507,343$565,879▲ $58,536
Liabilities
Other Liabilities$25,034,738$31,341,888▲ $6,307,150
Accounts Payable and Accrued Expenses$50,237$76,677▲ $26,440
Total Liabilities$25,084,975$31,418,565▲ $6,333,590
Net Assets / Fund Balance
Total Net Assets Fund Balance$2,119,585$1,650,277▼ $469,308
Total Liabilities and Net Assets / Fund Balance$27,204,560$33,068,842▲ $5,864,282

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$1,595,408$317,095$1,912,503
Equipment$21,918$934,420$956,338
Land$92,000-$92,000
Compensation and Service Providers
Top Officer Pay15th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Ronald PowersPresident/CEOFT$68,505$68,505

Board Members and Trustees

NameTitle
Robert SweitzerChair
Robert BuchheitVice Chair
Bill BiermannDirector
David HaneyDirector
Patrick GambleDirector
Richard GevatDirector
Scott ThompsonDirector
Mike McginninsSecretary
Charlie WalterTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$2,163,391
Investment Income
$947
Other Revenue
$0
Change in Net Assets
$-469,308
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$2,076,183
Salaries, Compensation, and Employee Benefits$557,463
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Office Expenses---$412,895
Other Salaries and Wages---$402,778
Fees for Services Other---$89,028
Current Officers, Directors, Trustees, and Key Employees---$68,505
Occupancy---$66,951
Depreciation Depletion---$56,758
Other Expenses---$49,810
Other Employee Benefits---$48,650
Payroll Taxes---$37,530
Insurance---$35,360
Advertising---$5,278
Interest---$4,990
Travel---$4,028
Fees for Services Accounting---$3,100
Fees for Services Legal---$2,448
Conferences and Meetings---$250
Total Functional Expenses$0$0$0$2,633,646
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 Shares$31,341,888
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Backup withholding compliance
Yes
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, Section B, Line 11

“A copy of the form 990 will be made available to the board audit committee for review as requested. The cfo takes responsibility for preparation and timely filing and reporting this action to the committee.”

Form 990, Part VI, Section B, Line 12C

“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, Section B, Line 15

“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, Section C, Line 19

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

Filing and Contact Details

Filer

Filer Name
Tcc Credit Union
EIN
23-7004662
Phone
3615809629
Address
1001 FM 2004, LAKE JACKSON, TX 77566

Signing Officer

Name
Rhonda Kleinecke
Title
Tdecu Senior VP & CFO
Phone
3615809629
Signed
2015-11-13
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Rhonda Kleinecke
Formed
1969
Legal Domicile
TX
Voting Board Members
9
Independent Board Members
9
Employees
15
Volunteers
0

Preparer

Firm
Fitts Roberts & Co Pc
Address
5718 WESTHEIMER SUITE 800, HOUSTON, TX 77057
Preparer
Rose Kay Parker CPA
Phone
7132605230
Raw XML Appendix354 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.

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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0A COPY OF THE FORM 990 WILL BE MADE AVAILABLE TO THE BOARD AUDIT COMMITTEE FOR REVIEW AS REQUESTED. THE CFO TAKES RESPONSIBILITY FOR PREPARATION AND TIMELY FILING AND REPORTING THIS ACTION TO THE COMMITTEE.
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, CONFLICT OF INTEREST POLICY AND FINANCIAL STATEMENTS AVAILABLE TO TEH PUBLIC UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PART VI, SECTION B, LINE 11
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PART VI, SECTION B, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PART VI, SECTION B, LINE 15
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PART VI, SECTION C, LINE 19
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IRS990/SignificantNewProgramSrvcInd00
IRS990/SubjectToProxyTaxInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TempOrPermanentEndowmentsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt027204560
IRS990/TotalAssetsEOYAmt033068842
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IRS990/TotalAssetsGrp/EOYAmt033068842
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalEmployeeCnt015
IRS990/TotalFunctionalExpensesGrp/TotalAmt02633646
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt025084975
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IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt01650277
IRS990/TotalOtherCompensationAmt00
IRS990/TotalProgramServiceRevenueAmt02163391
IRS990/TotalReportableCompFromOrgAmt068505
IRS990/TotalRevenueGrp/ExclusionAmt0947
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt02163391
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt02164338
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IRS990/UnrelatedBusIncmOverLimitInd00
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IRS990/USAddress/CityNm0LAKE JACKSON
IRS990/USAddress/StateAbbreviationCd0TX
IRS990/USAddress/ZIPCd077566
IRS990/VotingMembersGoverningBodyCnt09
IRS990/VotingMembersIndependentCnt09
IRS990/WebsiteAddressTxt0WWW.TCCCU.COM
IRS990/WhistleblowerPolicyInd01
ReturnHeader/BuildTS02016-04-25 22:37:26Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0RHONDA KLEINECKE
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0TDECU SENIOR VP & CFO
ReturnHeader/BusinessOfficerGrp/PhoneNum03615809629
ReturnHeader/BusinessOfficerGrp/SignatureDt02015-11-13
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0TCC CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0TCCC
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ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0FITTS ROBERTS & CO PC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt05718 WESTHEIMER SUITE 800
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0HOUSTON
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0TX
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd077057
ReturnHeader/PreparerPersonGrp/PhoneNum07132605230
ReturnHeader/PreparerPersonGrp/PreparationDt02015-11-13
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0ROSE KAY PARKER CPA
ReturnHeader/ReturnTs02015-11-16T10:01:46-06:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02014-01-01
ReturnHeader/TaxPeriodEndDt02014-12-31
ReturnHeader/TaxYr02014

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2014 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$33,068,842
Liabilities
$31,418,565
Net assets
$1,650,277
Revenue
$2,164,338
Expenses
$2,633,646
Net income
-$469,308
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