Civic Intelligence

Everwise Credit Union

990 • Fiscal year 2016 • EIN 35-0702986

Jan 01, 2016 to Dec 31, 2016 • Filed on Nov 15, 2017

Organization Profilewww.tcunet.com

View Organization Page

110 South Main StreetSouth Bend, IN 46601

(574) 232-8012

Siviq Scores

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

Liabilities / Assets

90th percentile

0.92x

Higher debt load relative to assets than 90% of similar nonprofits.

2016 filings • 501(c)14 • $1B+ nonprofits • Source year 2016

Liabilities / Revenue

69th percentile

21.68x

Higher debt load relative to revenue than 69% of similar nonprofits.

2016 filings • 501(c)14 • $1B+ nonprofits • Source year 2016

Net Margin

22nd percentile

13%

Higher net margin than 22% of similar nonprofits.

2016 filings • 501(c)14 • $1B+ nonprofits • Source year 2016

Top Officer Pay

81st percentile

$1,229,318

Higher top officer pay than 81% of similar nonprofits.

Top officer pay equals 1.0% of source-year revenue.

2016 filings • 501(c)14 • $1B+ nonprofits • Source year 2016

Asset Growth

21st percentile

5.7%

Faster asset growth than 21% of similar nonprofits.

2016 filings • 501(c)14 • $1B+ nonprofits • Annualized from 2015 to 2016

Revenue Growth

31st percentile

7.3%

Faster revenue growth than 31% of similar nonprofits.

2016 filings • 501(c)14 • $1B+ nonprofits • Annualized from 2015 to 2016

Balance Sheet
Liabilities / Assets90th percentile

Assets

Up

$3,025,349,817

Up $163,658,174 (+5.7%) from 2015

Net Assets

Up

$240,700,986

Up $12,492,126 (+5.5%) from 2015

Liabilities

Up

$2,784,648,831

Up $151,166,048 (+5.7%) from 2015

Revenue And Expenses
Liabilities / Revenue69th percentileNet Margin22nd percentile

Revenue

Up

$128,428,633

Up $8,722,783 (+7.3%) from 2015

Expenses

Up

$112,308,007

Up $5,184,934 (+4.8%) from 2015

Net Income

Up

$16,120,626

Up $3,537,849 (+28%) from 2015

Historical Trend

Balance Sheet Trend

Asset Growth21st percentile

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

$6.0B$4.0B$2.0B$0Assets 2010: $2,001,041,257Liabilities 2010: $1,840,666,266Net Assets 2010: $160,374,9912010Assets 2011: $2,159,963,450Liabilities 2011: $1,983,708,648Net Assets 2011: $176,254,8022011Assets 2012: $2,349,535,058Liabilities 2012: $2,157,825,338Net Assets 2012: $191,709,7202012Assets 2013: $2,382,590,333Liabilities 2013: $2,185,143,041Net Assets 2013: $197,447,2922013Assets 2014: $2,649,806,144Liabilities 2014: $2,433,528,466Net Assets 2014: $216,277,6782014Assets 2015: $2,861,691,643Liabilities 2015: $2,633,482,783Net Assets 2015: $228,208,8602015Assets 2016: $3,025,349,817Liabilities 2016: $2,784,648,831Net Assets 2016: $240,700,9862016Assets 2017: $3,127,095,775Liabilities 2017: $2,866,515,124Net Assets 2017: $260,580,6512017Assets 2018: $3,171,131,618Liabilities 2018: $2,893,307,206Net Assets 2018: $277,824,4122018Assets 2021: $4,498,999,331Liabilities 2021: $4,137,718,799Net Assets 2021: $361,280,5322021Assets 2022: $4,871,999,188Liabilities 2022: $4,507,110,237Net Assets 2022: $364,888,9512022Assets 2023: $5,173,106,431Liabilities 2023: $4,796,733,886Net Assets 2023: $376,372,5452023Assets 2024: $5,252,696,962Liabilities 2024: $4,834,557,480Net Assets 2024: $418,139,4822024

Highlighted filing

2016

Assets$3,025,349,817
Liabilities$2,784,648,831
Net Assets$240,700,986
Open 2016 Filing

Operations Trend

Revenue Growth31st percentile

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

$400M$300M$200M$100M$0Expenses 2010: $117,499,3522010Expenses 2011: $113,339,0532011Expenses 2012: $108,754,6752012Revenue 2013: $113,898,109Expenses 2013: $102,426,862Net Income 2013: $11,471,2472013Revenue 2014: $116,872,967Expenses 2014: $103,688,852Net Income 2014: $13,184,1152014Revenue 2015: $119,705,850Expenses 2015: $107,123,073Net Income 2015: $12,582,7772015Revenue 2016: $128,428,633Expenses 2016: $112,308,007Net Income 2016: $16,120,6262016Revenue 2017: $138,493,915Expenses 2017: $121,035,766Net Income 2017: $17,458,1492017Revenue 2018: $151,831,106Expenses 2018: $132,467,338Net Income 2018: $19,363,7682018Revenue 2021: $198,079,661Expenses 2021: $162,672,107Net Income 2021: $35,407,5542021Revenue 2022: $234,639,519Expenses 2022: $175,893,067Net Income 2022: $58,746,4522022Revenue 2023: $286,472,569Expenses 2023: $252,322,312Net Income 2023: $34,150,2572023Revenue 2024: $329,956,987Expenses 2024: $301,285,359Net Income 2024: $28,671,6282024

Highlighted filing

2016

Revenue$128,428,633
Expenses$112,308,007
Net Income$16,120,626
Open 2016 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2016 to Dec 31, 2016
Signed
Nov 15, 2017
Return Version
2016v3.0
Gross Receipts
$128,856,748
Mission and Program Overview

Mission

State Chartered Credit Union

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$2,358,933,369$2,540,435,247▲ $181,501,878
Rtn Earn Endowment Incm Other Fnds$228,208,860$240,700,986▲ $12,492,126
Investments in Publicly Traded Securities$219,634,047$227,509,540▲ $7,875,493
Land, Buildings, and Equipment, Net$51,337,248$51,837,069▲ $499,821
Savings and Temporary Cash Investments$75,567,806$50,401,350▼ $25,166,456
Investments Program Related$40,519,855$42,296,473▲ $1,776,618
Prepaid Expenses and Deferred Charges$37,790,698$40,344,718▲ $2,554,020
Cash and Non-Interest-Bearing Accounts$47,155,360$36,658,802▼ $10,496,558
Receivables From Officers Etc$1,186,726$10,709,557▲ $9,522,831
Accounts Receivable$5,884,654$6,986,405▲ $1,101,751
Intangible Assets$5,202,065$4,941,130▼ $260,935
Inventories for Sale or Use$181,623$149,553▼ $32,070
Receivable From Disqualified Prsn$0$0→ $0
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Loans From Officers Directors$0$0→ $0
Total Assets$2,861,691,643$3,025,349,817▲ $163,658,174
Other Assets Total$18,298,192$13,079,973▼ $5,218,219
Liabilities
Other Liabilities$2,234,378,662$2,347,660,994▲ $113,282,332
Mortgage Notes Payable Secured by Investment Property$389,384,197$427,364,989▲ $37,980,792
Accounts Payable and Accrued Expenses$9,719,924$9,622,848▼ $97,076
Grants Payable$0$0→ $0
Unsecured Notes Loans Payable$0--
Deferred Revenue$0$0→ $0
Escrow Account Liability$0$0→ $0
Tax Exempt Bond Liabilities$0$0→ $0
Total Liabilities$2,633,482,783$2,784,648,831▲ $151,166,048
Net Assets / Fund Balance
Total Net Assets Fund Balance$228,208,860$240,700,986▲ $12,492,126
Total Liabilities and Net Assets / Fund Balance$2,861,691,643$3,025,349,817▲ $163,658,174

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$30,812,530$20,638,450$51,450,980
Equipment$10,719,878$36,992,906$47,712,784
Land$10,099,846-$10,099,846
Leasehold Improvements$204,815$2,333,996$2,538,811
Other Land Buildings$0$0$0
Compensation and Service Providers
Top Officer Pay81st percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Paul MarshCEOFT$494,863$734,455$1,229,318
Eugene NovelloSVP Chief Operating OfficerFT$203,274$213,861$417,135
Waylon PetersonVP Investments - TrustFT$145,457$257,841$403,298
Todd BrownSVP CFOFT$214,285$171,329$385,614
Louise M ArsenaultSVP Chief Legal OfficerFT$219,113$143,852$362,965
Daniel RousseveSVP Chief Information OfficerFT$190,208$148,546$338,754
Daniel WoodhouseFinancial PlannerFT$33,007$285,386$318,393
Randall TarterFinancial PlannerFT$37,336$277,146$314,482
Paul SchaeferFinancial PlannerFT$33,985$266,115$300,100
Jeneen CraneAssistant Vice President TCU Investment ServicesFT$56,652$215,867$272,519
Rick Silvers Jan-AprSVP Chief Retail OfficerFT$67,910$99,357$167,267
David SageChairmanPT$54,879$12,013$66,892
William HojnackiVice-ChairmanPT$43,683$9,953$53,636
Vince HendersonBoard MemberPT$46,717$5,687$52,404
John MyersBoard MemberPT$43,558$6,240$49,798
Shirley GolichowskiAssistant SecretaryPT$40,400$7,276$47,676
Diane MaasBoard MemberPT$41,921$4,673$46,594
Roger ThorntonBoard MemberPT$39,800$6,678$46,478
Jim DuboisBoard MemberPT$41,000$4,814$45,814
Thea KellyBoard MemberPT$40,700$5,012$45,712
Chad Douglass Start Nov 2016Chief Lending OfficerFT$35,032$923$35,955

Highest Paid Contractors

ContractorServicesLocationCompensation
Q2 E BankingInternet BankingPO Box 205970, Suite 350, Dallas, TX 75320-5970$2,846,214
Cressy & Everett Mgmt CoProperty Management4100 Edison Lakes Pky, Mishawaka, IN 46545$2,408,540
Forsythe Solutions Group IncIT Storage SolutionsPO Box 772951, Chicago, IL 60677-0251$2,172,114
Diamond Marketing Solutions Group IncStatement Processing3372 Momentum Place, Chicago, IL 60689-5333$1,628,214
Diebold SupplyATM and Banking Equipment5995 Mayfair Rd, North Canton, OH 44720$1,123,040
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$121,662,927
Investment Income
$5,393,712
Other Revenue
$1,371,994
Change in Net Assets
$16,120,626

Audited Revenue Reconciliation

Revenue per Audited Statements
$128,222,077
Revenue Not Reported on Financial Statements
$206,556
Revenue Not Reported on Form 990
$428,115
Other Revenue Adjustments
$206,556
Total Revenue per Audited Statements
$128,650,192
Total Revenue per Form 990
$128,428,633
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$68,448,912
Salaries, Compensation, and Employee Benefits$43,773,066
Grants and Similar Amounts Paid$86,029
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$28,871,583
Interest---$17,717,461
Other Expenses---$12,632,756
Other Employee Benefits---$7,376,843
Information Technology---$6,586,370
Depreciation Depletion---$6,165,004
Occupancy---$5,420,099
Office Expenses---$3,681,860
Advertising---$3,431,982
Pension Plan Contributions---$2,644,497
Current Officers, Directors, Trustees, and Key Employees---$2,529,391
Payroll Taxes---$2,350,752
Conferences and Meetings---$1,237,559
Fees for Services Other---$1,203,394
Insurance---$544,377
Fees for Services Accounting---$355,487
Fees for Services Legal---$351,657
Travel---$304,987
Payments to Affiliates---$234,331
Grants to Domestic Orgs---$86,029
Fees for Service Investment Mgmnt Fees---$2,590
Total Functional Expenses$0$0$0$112,308,007

Audited Expense Reconciliation

Line ItemAmount
Total Expenses per Audited Statements$112,529,568
Total Expenses per Form 990$112,308,007
Expenses per Audited Statements$112,101,453
Expenses Not Reported on Form 990$428,115
Expenses Not Reported on Financial Statements$206,554
Other Expense Adjustments$206,554
International Activity

Grant and Assistance Recipients

RecipientLocationCategoryPurposeAmount
TCU FoundationSouth Bend, IN501(c)3The grant is a set funding amount from Teachers Credit Union for community involvement on an annual basis. These funds are then contributed to qualified organizations based on the vision and bylaws of the TCU Foundation.$86,029
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
Insider Transactions and Loans

Interested-Person Transactions

Interested PartyRelationshipDescriptionShared RevenueAmount
Paul MarshCEOSplit dollar arrangement..No$9,800,000

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Officers, Directors, Trustees, and Key Employees$1,186,726$10,709,557▲ $9,522,831
Loans from Officers, Directors, Trustees, and Key Employees$0$0→ $0
Receivables from Disqualified Persons$0$0→ $0
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Shares$2,335,072,182
Cashiers Checks$8,051,302
Other Liabilities$4,537,510
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
Yes
Backup withholding compliance
Yes
Business relationship with family members
No
Business relationship with organization members
Yes
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

Governance Explanations

Form 990, Part VI, Section A, Line 6

“All members are considered equal based on membership and have one vote based on the voting requirements.”

Form 990, Part VI, Section A, Line 7A

“Board members are elected based on the policy of the credit union and the board of directors.”

Form 990, Part VI, Section B, Line 11B

“The 990 information used to prepare the tax return is gathered within the Corporate Accounting team. The return is compiled using an external accounting firm. The return is reviewed by the Chief Financial Officer and the Controller prior to review by the Board of Directors for approval. Any changes to the tax return or in the instructions of the return are brought to the attention of the Board of Directors for review.”

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

“Teachers Credit Union reviews the conflict of interest policy annually with all members of the Board of Directors, Senior Executive Management, Vice Presidents, and Assistant Vice Presidents. All persons in these job classifications are required to complete a disclosure form with regard to accounts held, active loans, and any additional outside occupations. These documents are submitted for review to the Director of Administration. Policy includes steps to avoid conflict of interest and if changes occur regarding potential conflict of interest, it is the responsibility of the director, committee member, or the employee to report such changes to the proper channel.”

Form 990, Part VI, Section B, Line 15

“There is an independent consulting agency that is used to calculate and compare management's compensation. For the Chief Executive Officer, there is also a written contract stating a term and salary that must then be approved by the board of directors.”

Form 990, Part VI, Section C, Line 19

“The governing documents of the credit union are available upon request. Financial statements are available to membership as presented in the annual report that is published in the first quarter each year, or available upon request. Each year management of the credit union reviews the conflict of interest policy and it is available to others upon request.”

Form 990, Part VII, Section A, Line 1A

“Included in the board of director's estimated amount of other compensation is the current year's accrued expense for a deferred compensation plan. The deferred compensation will be paid out to the board of directors upon their retirement from the board.”

Filing and Contact Details

Filer

Filer Name
Teachers Credit Union
EIN
35-0702986
Phone
5742328012
Address
110 South Main Street, South Bend, IN 46601

Signing Officer

Name
Todd C Brown
Title
Chief Financial Officer
Phone
8003333828
Signed
2017-11-15
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Paul A Marsh
Formed
1931
Legal Domicile
In
Voting Board Members
10
Independent Board Members
0
Employees
890
Volunteers
0

Preparer

Firm
Bkd Llp
Address
201 N Illinois Street, Indianapolis, IN 46204
Preparer
Michael Summers
Phone
3173833680
Supplemental Narrative

Additional Explanations

Form 990, Part XI, Line 9

“Membership fees are a charge to become part of the membership at Teachers Credit Union and are not treated as income. The funds from the membership fee are directly added to equity for every membership account that is opened during the year as ownership within the organization.”

Financial Statement Notes

Schedule D, Part X, Line 2

“Management has evaluated their income tax positions under guidance included in ASC740. Based on their review, management has not identified any material uncertain tax positions to be recorded or disclosed in the financial statements.”

Schedule D, Part XI, Line 2D

“Expenses related to rental properties are moved on the 990. These expenses reduce income by ($428,115).”

Schedule D, Part XI, Line 4B

“CUSO Administration fees, which includes TCU Insurance Agency and the rental expenses for CUSO buildings is included in the expenses on the 990, but are moved for audit financial reporting purposes that total $206,556.”

Schedule D, Part XII, Line 2D

“Expenses related to rental properties are moved on the 990. These expenses reduce income by ($428,115).”

Schedule D, Part XII, Line 4B

“CUSO Administration fees, which includes TCU Insurance Agency and the rental expenses for CUSO buildings is included in the expenses on the 990, but are moved for audit financial reporting purposes that total $206,554.”

Raw XML AppendixShowing 400 of 941 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/Desc0In 2016, Teachers Credit Union continued to provide a superior member experience by offering competitive deposit rates and making sensible loans to membership. 2016 marked a large branch expansion by adding three locations in our Indianapolis market and joining the CO-OP ATM network which added 30,000 free ATMs across the United States for our members. At year-end 2016, TCU operated fifty five locations and over 80 ATMs, allowing members a greater choice in products, services, and locations. New eService applications offered members better access to their accounts through Internet Banking, Bill Pay, and Mobile Banking at competitive costs. The credit union continued growing its Financial Empowerment platform for its membership to improve the financial literacy of members. The Financial Empowerment Program had 127 teachers enrolled at 100 schools by the end of 2016. TCU also saw strong loan growth and strong growth in membership.
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IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt35
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt45
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt55
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IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1745
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IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt39953
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt46678
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt56240
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt612013
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt74814
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IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt9333013
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IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1189813
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1214455
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt13161621
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1494321
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt15923
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt16107495
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1762578
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1868576
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1964548
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt2093536
IRS990/Form990PartVIISectionAGrp/PersonNm0Vince Henderson
IRS990/Form990PartVIISectionAGrp/PersonNm1Shirley Golichowski
IRS990/Form990PartVIISectionAGrp/PersonNm2Thea Kelly
IRS990/Form990PartVIISectionAGrp/PersonNm3William Hojnacki
IRS990/Form990PartVIISectionAGrp/PersonNm4Roger Thornton
IRS990/Form990PartVIISectionAGrp/PersonNm5John Myers
IRS990/Form990PartVIISectionAGrp/PersonNm6David Sage
IRS990/Form990PartVIISectionAGrp/PersonNm7Jim Dubois
IRS990/Form990PartVIISectionAGrp/PersonNm8Diane Maas
IRS990/Form990PartVIISectionAGrp/PersonNm9Paul Marsh
IRS990/Form990PartVIISectionAGrp/PersonNm10Todd Brown
IRS990/Form990PartVIISectionAGrp/PersonNm11Daniel Rousseve
IRS990/Form990PartVIISectionAGrp/PersonNm12Rick Silvers Jan-Apr
IRS990/Form990PartVIISectionAGrp/PersonNm13Eugene Novello
IRS990/Form990PartVIISectionAGrp/PersonNm14Louise M Arsenault
IRS990/Form990PartVIISectionAGrp/PersonNm15Chad Douglass Start Nov 2016
IRS990/Form990PartVIISectionAGrp/PersonNm16Waylon Peterson
IRS990/Form990PartVIISectionAGrp/PersonNm17Randall Tarter
IRS990/Form990PartVIISectionAGrp/PersonNm18Daniel Woodhouse
IRS990/Form990PartVIISectionAGrp/PersonNm19Jeneen Crane
IRS990/Form990PartVIISectionAGrp/PersonNm20Paul Schaefer
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt9896305
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10279485
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt11248942
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt12152812
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt16295803
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt17251904
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt18249817
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt19207971
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20206565
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt110
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt180
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt190
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt200
IRS990/Form990PartVIISectionAGrp/TitleTxt0Board Member
IRS990/Form990PartVIISectionAGrp/TitleTxt1Assistant Secretary
IRS990/Form990PartVIISectionAGrp/TitleTxt2Board Member
IRS990/Form990PartVIISectionAGrp/TitleTxt3Vice-Chairman
IRS990/Form990PartVIISectionAGrp/TitleTxt4Board Member
IRS990/Form990PartVIISectionAGrp/TitleTxt5Board Member
IRS990/Form990PartVIISectionAGrp/TitleTxt6Chairman
IRS990/Form990PartVIISectionAGrp/TitleTxt7Board Member
IRS990/Form990PartVIISectionAGrp/TitleTxt8Board Member
IRS990/Form990PartVIISectionAGrp/TitleTxt9CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt10SVP CFO
IRS990/Form990PartVIISectionAGrp/TitleTxt11SVP Chief Information Officer
IRS990/Form990PartVIISectionAGrp/TitleTxt12SVP Chief Retail Officer
IRS990/Form990PartVIISectionAGrp/TitleTxt13SVP Chief Operating Officer
IRS990/Form990PartVIISectionAGrp/TitleTxt14SVP Chief Legal Officer
IRS990/Form990PartVIISectionAGrp/TitleTxt15Chief Lending Officer
IRS990/Form990PartVIISectionAGrp/TitleTxt16VP Investments - Trust
IRS990/Form990PartVIISectionAGrp/TitleTxt17Financial Planner
IRS990/Form990PartVIISectionAGrp/TitleTxt18Financial Planner
IRS990/Form990PartVIISectionAGrp/TitleTxt19Assistant Vice President TCU Investment Services
IRS990/Form990PartVIISectionAGrp/TitleTxt20Financial Planner
IRS990/Form990ProvidedToGvrnBodyInd01
IRS990/Form990TFiledInd01
IRS990/FormationYr01931
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IRS990/FSAuditedBasisGrp/ConsolAndSepBasisFinclStmtInd0X
IRS990/FSAuditedInd01
IRS990/FundraisingActivitiesInd00
IRS990/GainOrLossGrp/OtherAmt0-360920
IRS990/GainOrLossGrp/SecuritiesAmt0517143
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt010
IRS990/GrantsPayableGrp/BOYAmt00
IRS990/GrantsPayableGrp/EOYAmt00
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IRS990/GrantsToDomesticOrgsGrp/TotalAmt086029
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd01
IRS990/GrantToRelatedPersonInd00
IRS990/GrossAmountSalesAssetsGrp/OtherAmt0-360920
IRS990/GrossAmountSalesAssetsGrp/SecuritiesAmt0517143
IRS990/GrossReceiptsAmt0128856748
IRS990/GrossRentsGrp/PersonalAmt00
IRS990/GrossRentsGrp/RealAmt0944876
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd01
IRS990/IncmFromInvestBondProceedsGrp/ExclusionAmt00
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IRS990/IndivRcvdGreaterThan100KCnt033
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartVIIInd0X
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IRS990/InfoInScheduleOPartXIInd0X
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IRS990/InsuranceGrp/TotalAmt0544377
IRS990/IntangibleAssetsGrp/BOYAmt05202065
IRS990/IntangibleAssetsGrp/EOYAmt04941130
IRS990/InterestGrp/TotalAmt017717461
IRS990/InventoriesForSaleOrUseGrp/BOYAmt0181623
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IRS990/LessRentalExpensesGrp/RealAmt0428115
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IRS990/MembersOrStockholdersInd01
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IRS990/MinutesOfCommitteesInd01
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IRS990/MissionDesc0State Chartered Credit Union
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IRS990/MoreThan5000KToOrgInd00
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IRS990/NetAssetsOrFundBalancesEOYAmt0240700986
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IRS990/NetRentalIncomeOrLossGrp/ExclusionAmt00
IRS990/NetRentalIncomeOrLossGrp/RelatedOrExemptFuncIncomeAmt0408161
IRS990/NetRentalIncomeOrLossGrp/TotalRevenueColumnAmt0516761
IRS990/NetRentalIncomeOrLossGrp/UnrelatedBusinessRevenueAmt0108600
IRS990/NetUnrelatedBusTxblIncmAmt0196030
IRS990/NetUnrlzdGainsLossesInvstAmt0-3805770
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt05420099
IRS990/OfficeExpensesGrp/TotalAmt03681860
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
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IRS990/OtherAssetsTotalGrp/EOYAmt013079973
IRS990/OtherChangesInNetAssetsAmt0177270
IRS990/OtherEmployeeBenefitsGrp/TotalAmt07376843
IRS990/OtherExpensesGrp/Desc0Provision for Loan Loss
IRS990/OtherExpensesGrp/Desc1Franchise Tax and Federal Tax
IRS990/OtherExpensesGrp/Desc2Other Expenses
IRS990/OtherExpensesGrp/Desc3CU Service Dept/Loan Servicing
IRS990/OtherExpensesGrp/TotalAmt05573607
IRS990/OtherExpensesGrp/TotalAmt1241840

Document Assets

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Filings

Displayed year

2016 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$3,025,349,817
Liabilities
$2,784,648,831
Net assets
$240,700,986
Revenue
$128,428,633
Expenses
$112,308,007
Net income
$16,120,626
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$5,253$4,835$418$330$301$28.7
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$5,173$4,797$376$286$252$34.2
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$4,872$4,507$365$235$176$58.7
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$4,499$4,138$361$198$163$35.4
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$3,171$2,893$278$152$132$19.4
2017Facts available. Structured filing facts are available, but richer extracted sections are limited.$3,127$2,867$261$138$121$17.5
2016Detailed filing. Detailed filing data is available for this year.$3,025$2,785$241$128$112$16.1
2015Detailed filing. Detailed filing data is available for this year.$2,862$2,633$228$120$107$12.6
2014Detailed filing. Detailed filing data is available for this year.$2,650$2,434$216$117$104$13.2
2013Detailed filing. Detailed filing data is available for this year.$2,383$2,185$197$114$102$11.5
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$2,350$2,158$192$109
2011XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$2,160$1,984$176$113
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$2,001$1,841$160$117
Peer Organizations

Similar nonprofits based on the same Siviq industry and scale cohort. 2016 filings • 501(c)14 • $1B+ nonprofits