Civic Intelligence

Tulsa Teachers Credit Union

990 • Fiscal year 2015 • EIN 73-0489468

Jan 01, 2015 to Dec 31, 2015 • Filed on Jun 17, 2016

Organization ProfileN/A

View Organization Page

P O Box 4999Tulsa, OK 74159

(918) 743-9861

Siviq Scores

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

Liabilities / Assets

14th percentile

0.87x

Higher debt load relative to assets than 14% of similar nonprofits.

2015 filings • 501(c)14 • $1B+ nonprofits • Source year 2015

Liabilities / Revenue

21st percentile

17.17x

Higher debt load relative to revenue than 21% of similar nonprofits.

2015 filings • 501(c)14 • $1B+ nonprofits • Source year 2015

Net Margin

71st percentile

23%

Higher net margin than 71% of similar nonprofits.

2015 filings • 501(c)14 • $1B+ nonprofits • Source year 2015

Top Officer Pay

19th percentile

$507,259

Higher top officer pay than 19% of similar nonprofits.

Top officer pay equals 0.6% of source-year revenue.

2015 filings • 501(c)14 • $1B+ nonprofits • Source year 2015

Asset Growth

31st percentile

6.9%

Faster asset growth than 31% of similar nonprofits.

2015 filings • 501(c)14 • $1B+ nonprofits • Annualized from 2014 to 2015

Revenue Growth

41st percentile

6.0%

Faster revenue growth than 41% of similar nonprofits.

2015 filings • 501(c)14 • $1B+ nonprofits • Annualized from 2014 to 2015

Balance Sheet
Liabilities / Assets14th percentile

Assets

Up

$1,623,082,536

Up $105,340,734 (+6.9%) from 2014

Net Assets

Up

$205,002,816

Up $16,437,760 (+8.7%) from 2014

Liabilities

Up

$1,418,079,720

Up $88,902,974 (+6.7%) from 2014

Revenue And Expenses
Liabilities / Revenue21st percentileNet Margin71st percentile

Revenue

Up

$82,601,713

Up $4,672,301 (+6.0%) from 2014

Expenses

Up

$63,650,162

Up $1,055,618 (+1.7%) from 2014

Net Income

Up

$18,951,551

Up $3,616,683 (+24%) from 2014

Historical Trend

Balance Sheet Trend

Asset Growth31st percentile

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

$3.0B$2.0B$1.0B$0Assets 2010: $988,798,800Liabilities 2010: $849,926,051Net Assets 2010: $138,872,7492010Assets 2011: $1,105,349,695Liabilities 2011: $955,754,090Net Assets 2011: $149,595,6052011Assets 2012: $1,262,465,543Liabilities 2012: $1,098,580,062Net Assets 2012: $163,885,4812012Assets 2013: $1,404,774,627Liabilities 2013: $1,234,196,608Net Assets 2013: $170,578,0192013Assets 2014: $1,517,741,802Liabilities 2014: $1,329,176,746Net Assets 2014: $188,565,0562014Assets 2015: $1,623,082,536Liabilities 2015: $1,418,079,720Net Assets 2015: $205,002,8162015Assets 2016: $1,730,718,391Liabilities 2016: $1,513,802,745Net Assets 2016: $216,915,6462016Assets 2017: $1,816,536,525Liabilities 2017: $1,582,582,277Net Assets 2017: $233,954,2482017Assets 2018: $1,884,763,699Liabilities 2018: $1,634,241,704Net Assets 2018: $250,521,9952018Assets 2019: $2,019,744,867Liabilities 2019: $1,742,545,673Net Assets 2019: $277,199,1942019Assets 2020: $2,378,069,628Liabilities 2020: $2,063,820,875Net Assets 2020: $314,248,7532020Assets 2021: $2,611,508,582Liabilities 2021: $2,282,042,370Net Assets 2021: $329,466,2122021Assets 2022: $2,684,022,062Liabilities 2022: $2,455,740,116Net Assets 2022: $228,281,9462022

Highlighted filing

2015

Assets$1,623,082,536
Liabilities$1,418,079,720
Net Assets$205,002,816
Open 2015 Filing

Operations Trend

Revenue Growth41st percentile

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

$150M$100M$50M$0Expenses 2010: $46,385,7082010Revenue 2011: $60,282,771Expenses 2011: $49,406,089Net Income 2011: $10,876,6822011Revenue 2012: $67,919,865Expenses 2012: $52,090,711Net Income 2012: $15,829,1542012Revenue 2013: $72,496,869Expenses 2013: $60,705,091Net Income 2013: $11,791,7782013Revenue 2014: $77,929,412Expenses 2014: $62,594,544Net Income 2014: $15,334,8682014Revenue 2015: $82,601,713Expenses 2015: $63,650,162Net Income 2015: $18,951,5512015Revenue 2016: $86,794,067Expenses 2016: $72,471,197Net Income 2016: $14,322,8702016Revenue 2017: $90,946,984Expenses 2017: $73,366,987Net Income 2017: $17,579,9972017Revenue 2018: $97,746,814Expenses 2018: $75,951,790Net Income 2018: $21,795,0242018Revenue 2019: $107,654,707Expenses 2019: $90,216,113Net Income 2019: $17,438,5942019Revenue 2020: $120,060,748Expenses 2020: $96,831,424Net Income 2020: $23,229,3242020Revenue 2021: $123,227,030Expenses 2021: $91,275,218Net Income 2021: $31,951,8122021Revenue 2022: $133,134,876Expenses 2022: $108,346,459Net Income 2022: $24,788,4172022

Highlighted filing

2015

Revenue$82,601,713
Expenses$63,650,162
Net Income$18,951,551
Open 2015 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2015 to Dec 31, 2015
Signed
Jun 17, 2016
Return Version
2015v2.0
Gross Receipts
$122,745,532
Mission and Program Overview

Mission

State chartered credit union

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$1,110,592,056$1,146,661,486▲ $36,069,430
Rtn Earn Endowment Incm Other Fnds$188,565,056$205,002,816▲ $16,437,760
Savings and Temporary Cash Investments$53,873,503$44,602,604▼ $9,270,899
Land, Buildings, and Equipment, Net$30,090,290$40,682,029▲ $10,591,739
Cash and Non-Interest-Bearing Accounts-$0-
Accounts Receivable-$0-
Pledges and Grants Receivable-$0-
Receivable From Disqualified Prsn-$0-
Receivables From Officers Etc-$0-
Investments Other Securities-$0-
Investments Program Related-$0-
Investments in Publicly Traded Securities-$0-
Intangible Assets-$0-
Inventories for Sale or Use-$0-
Prepaid Expenses and Deferred Charges-$0-
Total Assets$1,517,741,802$1,623,082,536▲ $105,340,734
Other Assets Total$323,185,953$391,136,417▲ $67,950,464
Liabilities
Other Liabilities$1,176,230,245$1,250,309,027▲ $74,078,782
Mortgage Notes Payable Secured by Investment Property$132,227,576$142,437,500▲ $10,209,924
Accounts Payable and Accrued Expenses$20,718,925$25,333,193▲ $4,614,268
Total Liabilities$1,329,176,746$1,418,079,720▲ $88,902,974
Net Assets / Fund Balance
Total Net Assets Fund Balance$188,565,056$205,002,816▲ $16,437,760
Total Liabilities and Net Assets / Fund Balance$1,517,741,802$1,623,082,536▲ $105,340,734

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$40,682,029$24,700,030$65,382,059
Other Assets Org$21,321,877--
Compensation and Service Providers
Top Officer Pay19th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Timothy L LyonsPresidentFT$449,147$58,112$507,259
Doug AldrichCOOFT$257,801$42,499$300,300
Danny BowlingCIOFT$228,743$36,319$265,062
Shelby BeilCFOFT$190,094$35,402$225,496
Laura MillerHuman ResourceFT$180,140$23,893$204,033
Jerry HoopertAdmin OfficerFT$157,942$32,869$190,811
Stephanie JonesRisk OfficerFT$154,457$32,165$186,622

Board Members and Trustees

NameTitle
Andrew MckenzieDirector
Bobbie BookerDirector
Clark OgilvieDirector
George PaulDirector
Jack PontiusDirector
Saundra FordDirector
Steven PitmanDirector
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$19,507,285
Investment Income
$8,579,444
Other Revenue
$54,514,984
Change in Net Assets
$18,951,551

Audited Revenue Reconciliation

Revenue per Audited Statements
$82,601,713
Revenue Not Reported on Form 990
$141,835
Total Revenue per Audited Statements
$82,743,548
Total Revenue per Form 990
$82,601,713
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$40,707,109
Salaries, Compensation, and Employee Benefits$22,943,053
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$15,797,804--$15,797,804
Information Technology$6,353,362--$6,353,362
Other Employee Benefits$3,002,671--$3,002,671
Occupancy$2,986,030--$2,986,030
Interest$2,753,659--$2,753,659
Advertising$2,340,150--$2,340,150
Current Officers, Directors, Trustees, and Key Employees$1,879,583--$1,879,583
Office Expenses$1,679,026--$1,679,026
All Other Expenses$1,391,718--$1,391,718
Pension Plan Contributions$1,144,822--$1,144,822
Payroll Taxes$1,118,173--$1,118,173
Other Expenses$1,095,593--$1,095,593
Travel$538,659--$538,659
Total Functional Expenses$63,650,162$0$0$63,650,162

Audited Expense Reconciliation

Line ItemAmount
Total Expenses per Audited Statements$63,791,997
Expenses per Audited Statements$63,650,162
Total Expenses per Form 990$63,650,162
Expenses Not Reported on Form 990$141,835
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 Accounts Other$772,554,708
Member Share Accounts$367,165,315
Member Ira Accounts$110,589,004
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
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 6: Explanation of Classes of Members or Shareholder

“All individuals that utilize the Credit Union services must be members.”

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

“Officers and Directors provided opportunity to review document”

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

“Comparable position other organizations of similar size. Amounts approved by elected board of directors.”

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

“Financial statements available on quarterly basis on third party web site (call report)”

Filing and Contact Details

Filer

Filer Name
Ttcu the Credit Union
EIN
73-0489468
Phone
9187439861
Address
P O BOX 4999, TULSA, OK 74159

Signing Officer

Name
Shelby Beil
Title
CFO
Signed
2016-06-17
Discuss with paid preparer
Yes

Organization Details

Formed
1934
Legal Domicile
Ok
Voting Board Members
7
Independent Board Members
7
Employees
447

Preparer

Firm
Ses Group Pllc
Address
7912 E 31ST CT STE 340, TULSA, OK 74145-1315
Preparer
Brent L England
Phone
9186649544
Supplemental Narrative

Additional Explanations

Client Note 1

“Client Note 1 - SCH D PART XI LINE 10 - AMOUNT PER AUDITED FINANCIAL STATEMENTS RECONCILIATIONAMOUNT REPORTED $10,722,856UNREALIZED LOSS ONINVESTMENTS 2,012,615INCOME PER AUDIT $12,735,471”

Other Changes In Net Assets Or Fund Balances - Other Decreases

“Net chgsfas unrealized gain or loss invest = -$2513791”

Financial Statement Notes

Part XI, Line 2D: Other revenue amounts included in F/S but not included on form 990

“Non temp change fmv invest $141835”

Part XII, Line 2D: Other expenses and losses per audited F/S

“Non temp change fmv invest $141835”

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IRS990/Form990PartVIISectionAGrp/TitleTxt13RISK OFFICER
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IRS990/Form990TFiledInd0false
IRS990/FormationYr01934
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IRS990/FSAuditedInd0true
IRS990/FundraisingActivitiesInd0false
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IRS990/GainOrLossGrp/SecuritiesAmt0598267
IRS990/GamingActivitiesInd0false
IRS990/GoverningBodyVotingMembersCnt07
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IRS990/GrantsToDomesticOrgsGrp/TotalAmt00
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IRS990/GrantsToOrganizationsInd0false
IRS990/GrantToRelatedPersonInd0false
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IRS990/InterestGrp/TotalAmt02753659
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IRS990/MembersOrStockholdersInd0true
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd0true
IRS990/MinutesOfGoverningBodyInd0true
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IRS990/MoreThan5000KToOrgInd0false
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IRS990/NetIncmFromFundraisingEvtGrp/TotalRevenueColumnAmt00
IRS990/NetIncomeFromGamingGrp/TotalRevenueColumnAmt00
IRS990/NetIncomeOrLossGrp/TotalRevenueColumnAmt00
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IRS990/OccupancyGrp/TotalAmt02986030
IRS990/OfficeExpensesGrp/ProgramServicesAmt01679026
IRS990/OfficeExpensesGrp/TotalAmt01679026
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IRS990/OnBehalfOfIssuerInd0false
IRS990/OperateHospitalInd0false
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OrgFiledInLieuOfForm1041Ind0false
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IRS990/OtherAssetsTotalGrp/EOYAmt0391136417
IRS990/OtherChangesInNetAssetsAmt0-2513791
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IRS990/OtherEmployeeBenefitsGrp/TotalAmt03002671
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IRS990/OtherExpensesGrp/ProgramServicesAmt21629714
IRS990/OtherExpensesGrp/ProgramServicesAmt31095593
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IRS990/OtherExpensesGrp/TotalAmt19439198
IRS990/OtherExpensesGrp/TotalAmt21629714
IRS990/OtherExpensesGrp/TotalAmt31095593
IRS990/OtherLiabilitiesGrp/BOYAmt01176230245
IRS990/OtherLiabilitiesGrp/EOYAmt01250309027
IRS990/OtherRevenueMiscGrp/BusinessCd0522130
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IRS990/OtherRevenueTotalAmt054514984
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IRS990/OthNotesLoansReceivableNetGrp/EOYAmt01146661486
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IRS990/PayrollTaxesGrp/TotalAmt01118173
IRS990/PensionPlanContributionsGrp/ProgramServicesAmt01144822
IRS990/PensionPlanContributionsGrp/TotalAmt01144822
IRS990/PledgesAndGrantsReceivableGrp/EOYAmt00
IRS990/PoliciesReferenceChaptersInd0true
IRS990/PoliticalCampaignActyInd0false
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IRS990/ProfessionalFundraisingInd0false
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IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt019507285
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYExcessBenefitTransInd0false
IRS990/PYInvestmentIncomeAmt07703714
IRS990/PymtTravelEntrtnmntPubOfclGrp/TotalAmt00
IRS990/PYOtherExpensesAmt042158716
IRS990/PYOtherRevenueAmt053976209
IRS990/PYProgramServiceRevenueAmt016249489
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IRS990/PYSalariesCompEmpBnftPaidAmt020435828
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IRS990/PYTotalRevenueAmt077929412
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IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt00
IRS990/ReconcilationRevenueExpnssAmt018951551
IRS990/RegularMonitoringEnfrcInd0true
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
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IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0true
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RoyaltiesGrp/TotalAmt00
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt0188565056
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt0205002816
IRS990/SavingsAndTempCashInvstGrp/BOYAmt053873503
IRS990/SavingsAndTempCashInvstGrp/EOYAmt044602604
IRS990/ScheduleBRequiredInd0false
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IRS990ScheduleD/BuildingsGrp/DepreciationAmt024700030
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt065382059
IRS990ScheduleD/ExpensesNotReportedAmt0141835
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IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt111692541
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt221321877
IRS990ScheduleD/OtherAssetsOrgGrp/Desc0INTEREST REC
IRS990ScheduleD/OtherAssetsOrgGrp/Desc1NCUI DEPOSIT
IRS990ScheduleD/OtherAssetsOrgGrp/Desc2OTHER ASSETS
IRS990ScheduleD/OtherExpensesIncludedAmt0141835
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0772554708
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt1110589004
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt2367165315
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER ACCOUNTS OTHER
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1MEMBER IRA ACCOUNTS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc2MEMBER SHARE ACCOUNTS
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IRS990ScheduleD/RevenueNotReportedAmt0141835
IRS990ScheduleD/RevenueSubtotalAmt082601713
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0NON TEMP CHANGE FMV INVEST $141835
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt1NON TEMP CHANGE FMV INVEST $141835
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0Part XI, Line 2d: Other revenue amounts included in F/S but not included on form 990
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc1Part XII, Line 2d: Other expenses and losses per audited F/S
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IRS990ScheduleD/TotalBookValueOtherAssetsAmt0391136417
IRS990ScheduleD/TotalExpensesPerForm990Amt063650162
IRS990ScheduleD/TotalLiabilityAmt01250309027
IRS990ScheduleD/TotalRevenuePerForm990Amt082601713
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IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt063791997
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
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IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt1257801
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IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt3180140
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt4190094
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IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt6449147
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt022874
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt125780
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt215794
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt318014
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt419009
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt515446

Document Assets

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Filings

Displayed year

2015 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$1,623,082,536
Liabilities
$1,418,079,720
Net assets
$205,002,816
Revenue
$82,601,713
Expenses
$63,650,162
Net income
$18,951,551
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2022Detailed filing. Detailed filing data is available for this year.$2,684$2,456$228$133$108$24.8
2021Detailed filing. Detailed filing data is available for this year.$2,612$2,282$329$123$91.3$32.0
2020Detailed filing. Detailed filing data is available for this year.$2,378$2,064$314$120$96.8$23.2
2019Detailed filing. Detailed filing data is available for this year.$2,020$1,743$277$108$90.2$17.4
2018Detailed filing. Detailed filing data is available for this year.$1,885$1,634$251$97.7$76.0$21.8
2017Detailed filing. Detailed filing data is available for this year.$1,817$1,583$234$90.9$73.4$17.6
2016Detailed filing. Detailed filing data is available for this year.$1,731$1,514$217$86.8$72.5$14.3
2015Detailed filing. Detailed filing data is available for this year.$1,623$1,418$205$82.6$63.7$19.0
2014Detailed filing. Detailed filing data is available for this year.$1,518$1,329$189$77.9$62.6$15.3
2013Detailed filing. Detailed filing data is available for this year.$1,405$1,234$171$72.5$60.7$11.8
2012Summary only. Only limited summary data is available for this year.$1,262$1,099$164$67.9$52.1$15.8
2011Summary only. Only limited summary data is available for this year.$1,105$956$150$60.3$49.4$10.9
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$989$850$139$46.4
Peer Organizations

Similar nonprofits based on the same Siviq industry and scale cohort. 2015 filings • 501(c)14 • $1B+ nonprofits