Civic Intelligence

Texas Community Builders

EIN 31-1748289 • 501(c)3 • Austin, TX

Profile

To provide affordable housing and development services across

1011 San Jacinto BlvdAustin, TX 78701

www.texascommunitybuilders.org

Siviq Scores

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

Liabilities / Assets

66th percentile

0.28x

Higher debt load relative to assets than 66% of similar nonprofits.

501(c)3 • $5M-$10M nonprofits • Source year 2025

Liabilities / Revenue

95th percentile

5.50x

Higher debt load relative to revenue than 95% of similar nonprofits.

501(c)3 • $5M-$10M nonprofits • Source year 2025

Net Margin

12th percentile

-22%

Higher net margin than 12% of similar nonprofits.

501(c)3 • $5M-$10M nonprofits • Source year 2025

Top Officer Pay

Score unavailable

No value available

No filing with officer rows is available for this organization yet.

Asset Growth

Score unavailable

No value available

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

Source year 2025

Revenue Growth

Score unavailable

No value available

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

Source year 2025

Assets

Down

$9,730,913

Down $148,700 (-1.5%) from 2024

Liabilities

Down

$2,738,689

Down $41,115 (-1.5%) from 2024

Net Assets

Down

$6,992,224

Down $107,585 (-1.5%) from 2024

Revenue

Down

$497,931

Down $71,116 (-12%) from 2024

Expenses

Down

$605,516

Down $22,123 (-3.5%) from 2024

Net Income

Down

-$107,585

Down $48,993 (-84%) from 2024

Trend Graphs

Balance Sheet Trend

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

$15M$10M$5.0M$0Assets 2011: $2,358,627Liabilities 2011: $753,978Net Assets 2011: $1,604,6492011Assets 2012: $5,813,140Liabilities 2012: $2,343,356Net Assets 2012: $3,469,7842012Assets 2013: $5,652,749Liabilities 2013: $2,331,252Net Assets 2013: $3,321,4972013Assets 2014: $5,891,570Liabilities 2014: $2,538,647Net Assets 2014: $3,352,9232014Assets 2015: $5,527,034Liabilities 2015: $2,097,952Net Assets 2015: $3,429,0822015Assets 2016: $5,406,802Liabilities 2016: $1,946,070Net Assets 2016: $3,460,7322016Assets 2017: $6,002,221Liabilities 2017: $2,541,107Net Assets 2017: $3,461,1142017Assets 2018: $5,319,275Liabilities 2018: $1,047,439Net Assets 2018: $4,271,8362018Assets 2019: $7,394,373Liabilities 2019: $3,209,351Net Assets 2019: $4,185,0222019Assets 2020: $7,952,042Liabilities 2020: $3,931,539Net Assets 2020: $4,020,5032020Assets 2021: $7,851,542Liabilities 2021: $3,657,214Net Assets 2021: $4,194,3282021Assets 2022: $10,295,372Liabilities 2022: $3,017,853Net Assets 2022: $7,277,5192022Assets 2023: $9,994,641Liabilities 2023: $2,836,240Net Assets 2023: $7,158,4012023Assets 2024: $9,879,613Liabilities 2024: $2,779,804Net Assets 2024: $7,099,8092024Assets 2025: $9,730,913Liabilities 2025: $2,738,689Net Assets 2025: $6,992,2242025

Highlighted filing

2025

Assets$9,730,913
Liabilities$2,738,689
Net Assets$6,992,224

Operations Trend

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

$4.0M$3.0M$2.0M$1.0M$0-$1.0MExpenses 2011: $240,8592011Expenses 2012: $272,5952012Expenses 2013: $492,1292013Revenue 2014: $512,483Expenses 2014: $521,440Net Income 2014: -$8,9572014Revenue 2015: $518,677Expenses 2015: $442,518Net Income 2015: $76,1592015Revenue 2016: $426,752Expenses 2016: $395,102Net Income 2016: $31,6502016Revenue 2017: $477,293Expenses 2017: $476,911Net Income 2017: $3822017Revenue 2018: $1,223,345Expenses 2018: $412,623Net Income 2018: $810,7222018Revenue 2019: $564,063Expenses 2019: $650,877Net Income 2019: -$86,8142019Revenue 2020: $443,186Expenses 2020: $607,705Net Income 2020: -$164,5192020Revenue 2021: $820,727Expenses 2021: $646,902Net Income 2021: $173,8252021Revenue 2022: $3,652,092Expenses 2022: $568,901Net Income 2022: $3,083,1912022Revenue 2023: $416,626Expenses 2023: $535,744Net Income 2023: -$119,1182023Revenue 2024: $569,047Expenses 2024: $627,639Net Income 2024: -$58,5922024Revenue 2025: $497,931Expenses 2025: $605,516Net Income 2025: -$107,5852025

Highlighted filing

2025

Revenue$497,931
Expenses$605,516
Net Income-$107,585

Filings

Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2025Facts available. Structured filing facts are available, but richer extracted sections are limited.$9.73$2.74$6.99$0.50$0.61$0.11
2024XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$9.88$2.78$7.10$0.57$0.63$0.06
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$9.99$2.84$7.16$0.42$0.54$0.12
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$10.3$3.02$7.28$3.65$0.57$3.08
2021Facts available. Structured filing facts are available, but richer extracted sections are limited.$7.85$3.66$4.19$0.82$0.65$0.17
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$7.95$3.93$4.02$0.44$0.61$0.16
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$7.39$3.21$4.19$0.56$0.65$0.09
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$5.32$1.05$4.27$1.22$0.41$0.81
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$6.00$2.54$3.46$0.48$0.48$0.00
2016Detailed filing. Detailed filing data is available for this year.$5.41$1.95$3.46$0.43$0.40$0.03
2015Detailed filing. Detailed filing data is available for this year.$5.53$2.10$3.43$0.52$0.44$0.08
2014Detailed filing. Detailed filing data is available for this year.$5.89$2.54$3.35$0.51$0.52$0.01
2013Facts available. Structured filing facts are available, but richer extracted sections are limited.$5.65$2.33$3.32$0.49
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$5.81$2.34$3.47$0.27
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$2.36$0.75$1.60$0.24
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jul 1, 2024 to Jun 30, 2025
Signed
Dec 2, 2025
Return Version
2024v5.2
Gross Receipts
$497,931
Mission and Program Overview

Mission

To provide affordable housing and development services across

To provide affordable housing and development services across texas to underserved low and moderate income individuals.

Balance Sheet Detail
LineBeginningEndChange
Assets
Savings and Temporary Cash Investments$4,217,779$3,883,986▼ $333,793
Land, Buildings, and Equipment, Net$3,254,600$3,185,618▼ $68,982
Inventories for Sale or Use$1,072,269$1,072,269→ $0
Cash and Non-Interest-Bearing Accounts$954,162$1,050,209▲ $96,047
Other Notes and Loans Receivable, Net$276,451$403,774▲ $127,323
Accounts Receivable$93,544$108,029▲ $14,485
Prepaid Expenses and Deferred Charges$10,808$27,028▲ $16,220
Total Assets$9,879,613$9,730,913▼ $148,700
Liabilities
Mortgage Notes Payable Secured by Investment Property$1,877,556$1,785,018▼ $92,538
Other Liabilities$545,328$643,717▲ $98,389
Unsecured Notes Loans Payable$343,180$297,731▼ $45,449
Accounts Payable and Accrued Expenses$13,740$12,223▼ $1,517
Total Liabilities$2,779,804$2,738,689▼ $41,115
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$6,821,324$6,626,363▼ $194,961
Net Assets With Donor Restrictions$278,485$365,861▲ $87,376
Total Net Assets Fund Balance$7,099,809$6,992,224▼ $107,585
Total Liabilities and Net Assets / Fund Balance$9,879,613$9,730,913▼ $148,700

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$3,024,714$1,231,290$4,256,004
Equipment$0$196,281$196,281
Land$160,904-$160,904
Compensation and Service Providers

Employees

NameTitleFull / Part TimeOtherTotal
Raquel Valdez SanchezCEOPT$188,912$188,912

Board Members and Trustees

Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$399,061
Investment Income
$98,870
Other Revenue
$0
Change in Net Assets
$-107,585
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$531,035
Salaries, Compensation, and Employee Benefits$74,481
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Depreciation Depletion$135,348$0$0$135,348
Interest$98,169$0$0$98,169
Other Salaries and Wages$67,063$0$0$67,063
Fees for Services Other$37,012$0$0$37,012
Insurance$30,989$0$0$30,989
Fees for Services Accounting$0$30,953$0$30,953
Other Expenses$15,183$0$0$15,183
Payroll Taxes$7,418$0$0$7,418
Advertising$3,442$0$0$3,442
Office Expenses$0$2,511$0$2,511
Total Functional Expenses$572,052$33,464$0$605,516
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
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Due to Affiliate$617,778
Deposits & Escrow Liabilities$25,939
Governance and Compliance

Governance Checklist

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

Filer

Filer Name
Texas Community Builders
EIN
31-1748289
Phone
5129129884
Address
1011 SAN JACINTO BLVD, AUSTIN, TX 78701

Signing Officer

Name
Raquel Valdez Sanchez
Title
CEO
Phone
5129129884
Signed
2025-12-02
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Raquel Valdez Sanchez
Formed
2000
Legal Domicile
TX
Voting Board Members
4
Independent Board Members
4
Employees
0
Volunteers
0

Preparer

Firm
West Davis & Company LLP
Address
8200 North Mopac Expressway Suite 1, Austin, TX 78759
Preparer
Rob West CPA
Phone
5038286650
Supplemental Narrative

Additional Explanations

Pt VI, Line 11B

The return is reviewed for accuracy by the ceo.

Pt VI, Line 11B

Members of the board are provided a copy of

Pt VI, Line 11B

The form 990 to review prior to filing.

Pt VI, Line 12C

The conflict of interest policy applies to all officers

Pt VI, Line 12C

And members of the board of directors as well as key

Pt VI, Line 12C

Management employees. When a conflict of interest arises

Pt VI, Line 12C

It is brought to the attention of the ceo who brings

Pt VI, Line 12C

It to the attention of the board of directors.

Pt VI, Line 12C

The board president in consultation with appropriate

Pt VI, Line 12C

Board members and key management will determine if a

Pt VI, Line 12C

Conflict exists and determine appropriate actions on a

Pt VI, Line 12C

Case-by-case basis for an individual with a conflict of

Pt VI, Line 12C

INTEREST.

Pt VI, Line 15A

The ceos compensation is reviewed and approved by

Pt VI, Line 15A

THE BOARD OF DIRECTORS.

Pt VI, Line 15B

Other officers and key employees compensation

Pt VI, Line 15B

Follows a pay scale. Pay raises and starting pay

Pt VI, Line 15B

For other officers and key employees are approved

Pt VI, Line 15B

BY THE CEO.

Pt VI, Line 19

Governing documents, policies, and financial statements

Pt VI, Line 19

Are made available to the public upon request from

Pt VI, Line 19

MANAGEMENT.

Raw XML AppendixShowing 400 of 528 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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IRS990/PayrollTaxesGrp/ProgramServicesAmt07418
IRS990/PayrollTaxesGrp/TotalAmt07418
IRS990/PoliticalCampaignActyInd0false
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt010808
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt027028
IRS990/PrincipalOfficerNm0RAQUEL VALDEZ SANCHEZ
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IRS990/ProgramServiceRevenueGrp/Desc0MULTI-FAMILY HOUSING
IRS990/ProgramServiceRevenueGrp/Desc1OFFICE RENTAL
IRS990/ProgramServiceRevenueGrp/Desc2SINGLE-FAMILY HOUSING
IRS990/ProgramServiceRevenueGrp/Desc3LOAN INTEREST INCOME
IRS990/ProgramServiceRevenueGrp/Desc4OTHER PROGRAM INCOME
IRS990/ProgramServiceRevenueGrp/ExclusionAmt00
IRS990/ProgramServiceRevenueGrp/ExclusionAmt10
IRS990/ProgramServiceRevenueGrp/ExclusionAmt20
IRS990/ProgramServiceRevenueGrp/ExclusionAmt30
IRS990/ProgramServiceRevenueGrp/ExclusionAmt40
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt0197499
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1164010
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt25847
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt318860
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt412845
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt10
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt20
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt30
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt40
IRS990/ProgSrvcAccomActy2Grp/Desc0BUSINESS DEVELOPMENT - THE ORGANIZATION PROCESSES AND SERVICES SBA LOANS FOR SMALL BUSINESSES THAT DO NOT QUALIFY FOR CONVENTIONAL FINANCING. IN ADDITION, LOANS ARE MADE TO SMALL BUSINESSES FROM GRANT FUNDS AND CONTRIBUTIONS FROM VARIOUS BUSINESSES AND LOCAL GOVERNMENTS AS WELL AS INTEREST EARNINGS AND PRINCIPAL RETURNED TO THE LOAN FUND POOL.
IRS990/ProgSrvcAccomActy2Grp/ExpenseAmt031618
IRS990/ProgSrvcAccomActy2Grp/GrantAmt00
IRS990/ProgSrvcAccomActy2Grp/RevenueAmt018860
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYContributionsGrantsAmt028464
IRS990/PYExcessBenefitTransInd0false
IRS990/PYInvestmentIncomeAmt010573
IRS990/PYOtherExpensesAmt0580408
IRS990/PYProgramServiceRevenueAmt0530010
IRS990/PYRevenuesLessExpensesAmt0-58592
IRS990/PYSalariesCompEmpBnftPaidAmt047231
IRS990/PYTotalExpensesAmt0627639
IRS990/PYTotalRevenueAmt0569047
IRS990/QuidProQuoContributionsInd0false
IRS990/RcvFndsToPayPrsnlBnftCntrctInd0false
IRS990/ReconcilationRevenueExpnssAmt0-107585
IRS990/RegularMonitoringEnfrcInd0true
IRS990/RelatedEntityInd0true
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RevenueAmt0380201
IRS990/SavingsAndTempCashInvstGrp/BOYAmt04217779
IRS990/SavingsAndTempCashInvstGrp/EOYAmt03883986
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearAmt00
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus1YearAmt028464
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus2YearsAmt00
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus3YearsAmt0472580
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus4YearsAmt00
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/TotalAmt0501044
IRS990ScheduleA/GovtFurnSrvcFcltsVl170Grp/TotalAmt00
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearAmt098870
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus1YearAmt010573
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus2YearsAmt08087
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus3YearsAmt014092
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus4YearsAmt06586
IRS990ScheduleA/GrossInvestmentIncome170Grp/TotalAmt0138208
IRS990ScheduleA/InvestmentIncomeCYPct00
IRS990ScheduleA/OtherIncome170Grp/TotalAmt00
IRS990ScheduleA/OtherSupportSumAmt00
IRS990ScheduleA/PublicOrganization170Ind0X
IRS990ScheduleA/PublicSupportCY170Pct00.78380
IRS990ScheduleA/PublicSupportCY509Pct00
IRS990ScheduleA/PublicSupportPY170Pct00.91890
IRS990ScheduleA/PublicSupportTotal170Amt0501044
IRS990ScheduleA/PublicSupportTotal509Amt00
IRS990ScheduleA/SubstantialContributorsTotAmt00
IRS990ScheduleA/TaxRevLeviedOrgnztnlBnft170Grp/TotalAmt00
IRS990ScheduleA/ThirtyThrPctSuprtTestsCY170Ind0X
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearAmt00
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus1YearAmt028464
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus2YearsAmt00
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus3YearsAmt0472580
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus4YearsAmt00
IRS990ScheduleA/TotalCalendarYear170Grp/TotalAmt0501044
IRS990ScheduleA/TotalSupportAmt0639252
IRS990ScheduleA/UnrelatedBusinessNetIncm170Grp/TotalAmt00
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/BuildingsGrp/BookValueAmt03024714
IRS990ScheduleD/BuildingsGrp/DepreciationAmt01231290
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt04256004
IRS990ScheduleD/EquipmentGrp/BookValueAmt00
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0196281
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt0196281
IRS990ScheduleD/LandGrp/BookValueAmt0160904
IRS990ScheduleD/LandGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0160904
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt025939
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt1617778
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0DEPOSITS & ESCROW LIABILITIES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1DUE TO AFFILIATE
IRS990ScheduleD/TotalBookValueLandBuildingsAmt03185618
IRS990ScheduleD/TotalLiabilityAmt0643717
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IRS990ScheduleJ/CompBasedOnRevenueOfFlngOrgInd0false
IRS990ScheduleJ/CompBsdNetEarnsFlngOrgInd0false
IRS990ScheduleJ/CompBsdNetEarnsRltdOrgsInd0false
IRS990ScheduleJ/CompBsdOnRevRelatedOrgsInd0false
IRS990ScheduleJ/EquityBasedCompArrngmInd0false
IRS990ScheduleJ/InitialContractExceptionInd0false
IRS990/ScheduleJRequiredInd0true
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IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt0178333
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt010579
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0RAQUEL VALDEZ SANCHEZ
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt0188912
IRS990ScheduleJ/SeverancePaymentInd0false
IRS990ScheduleJ/SupplementalInformationDetail/ExplanationTxt0EXECUTIVE DIRECTOR COMPENSATION PAID BY BUSINESS AND
IRS990ScheduleJ/SupplementalInformationDetail/ExplanationTxt1COMMUNITY LENDERS OF TEXAS WAS DETERMINED BY REVIEWING
IRS990ScheduleJ/SupplementalInformationDetail/ExplanationTxt2COMPENSATION SURVEYS AND FORMS 990 OF SIMILAR ORGANIZATIONS.
IRS990ScheduleJ/SupplementalInformationDetail/ExplanationTxt3THE CEO IS EMPLOYED UNDER AN EMPLOYMENT CONTRACT AND
IRS990ScheduleJ/SupplementalInformationDetail/ExplanationTxt4COMPENSATION IS APPROVED BY THE BOARD.
IRS990ScheduleJ/SupplementalInformationDetail/FormAndLineReferenceDesc0Pt I Line 3
IRS990ScheduleJ/SupplementalInformationDetail/FormAndLineReferenceDesc1Pt I Line 3
IRS990ScheduleJ/SupplementalInformationDetail/FormAndLineReferenceDesc2Pt I Line 3
IRS990ScheduleJ/SupplementalInformationDetail/FormAndLineReferenceDesc3Pt I Line 3
IRS990ScheduleJ/SupplementalInformationDetail/FormAndLineReferenceDesc4Pt I Line 3
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd0false
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE RETURN IS REVIEWED FOR ACCURACY BY THE CEO.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1MEMBERS OF THE BOARD ARE PROVIDED A COPY OF
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2THE FORM 990 TO REVIEW PRIOR TO FILING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3THE CONFLICT OF INTEREST POLICY APPLIES TO ALL OFFICERS
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4AND MEMBERS OF THE BOARD OF DIRECTORS AS WELL AS KEY
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5MANAGEMENT EMPLOYEES. WHEN A CONFLICT OF INTEREST ARISES
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6IT IS BROUGHT TO THE ATTENTION OF THE CEO WHO BRINGS
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7IT TO THE ATTENTION OF THE BOARD OF DIRECTORS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt8THE BOARD PRESIDENT IN CONSULTATION WITH APPROPRIATE
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt9BOARD MEMBERS AND KEY MANAGEMENT WILL DETERMINE IF A
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt10CONFLICT EXISTS AND DETERMINE APPROPRIATE ACTIONS ON A
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt11CASE-BY-CASE BASIS FOR AN INDIVIDUAL WITH A CONFLICT OF
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt12INTEREST.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt13THE CEOS COMPENSATION IS REVIEWED AND APPROVED BY
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt14THE BOARD OF DIRECTORS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt15OTHER OFFICERS AND KEY EMPLOYEES COMPENSATION
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt16FOLLOWS A PAY SCALE. PAY RAISES AND STARTING PAY
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt17FOR OTHER OFFICERS AND KEY EMPLOYEES ARE APPROVED
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt18BY THE CEO.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt19GOVERNING DOCUMENTS, POLICIES, AND FINANCIAL STATEMENTS
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt20ARE MADE AVAILABLE TO THE PUBLIC UPON REQUEST FROM
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt21MANAGEMENT.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Pt VI, Line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Pt VI, Line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Pt VI, Line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Pt VI, Line 12c
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Pt VI, Line 12c
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Pt VI, Line 12c
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IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7Pt VI, Line 12c
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc8Pt VI, Line 12c
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc9Pt VI, Line 12c
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc10Pt VI, Line 12c
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc11Pt VI, Line 12c
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc12Pt VI, Line 12c
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc13Pt VI, Line 15a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc14Pt VI, Line 15a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc15Pt VI, Line 15b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc16Pt VI, Line 15b
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IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc19Pt VI, Line 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc20Pt VI, Line 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc21Pt VI, Line 19
IRS990ScheduleR/AssetExchangeInd0false

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