Civic Intelligence

Gecu

990 • Fiscal year 2018 • EIN 74-0650998

Jan 01, 2018 to Dec 31, 2018 • Filed on May 15, 2019

1225 AirwayEl Paso, TX 79925

(915) 778-9221

Siviq Scores

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

Liabilities / Assets

63rd percentile

0.90x

Higher debt load relative to assets than 63% of similar nonprofits.

2018 filings • 501(c)14 • $1B+ nonprofits • Source year 2018

Liabilities / Revenue

4th percentile

12.56x

Higher debt load relative to revenue than 4% of similar nonprofits.

2018 filings • 501(c)14 • $1B+ nonprofits • Source year 2018

Net Margin

31st percentile

16%

Higher net margin than 31% of similar nonprofits.

2018 filings • 501(c)14 • $1B+ nonprofits • Source year 2018

Top Officer Pay

69th percentile

$1,071,408

Higher top officer pay than 69% of similar nonprofits.

Top officer pay equals 0.5% of source-year revenue.

2018 filings • 501(c)14 • $1B+ nonprofits • Source year 2018

Asset Growth

50th percentile

6.4%

Faster asset growth than 50% of similar nonprofits.

2018 filings • 501(c)14 • $1B+ nonprofits • Annualized from 2017 to 2018

Revenue Growth

40th percentile

12%

Faster revenue growth than 40% of similar nonprofits.

2018 filings • 501(c)14 • $1B+ nonprofits • Annualized from 2017 to 2018

Assets

Up

$2,819,381,992

Up $168,523,984 (+6.4%) from 2017

Net Assets

Up

$285,487,456

Up $31,156,914 (+12%) from 2017

Liabilities

Up

$2,533,894,536

Up $137,367,070 (+5.7%) from 2017

Revenue

Up

$201,771,905

Up $22,320,134 (+12%) from 2017

Expenses

Up

$168,899,936

Up $8,932,886 (+5.6%) from 2017

Net Income

Up

$32,871,969

Up $13,387,248 (+69%) from 2017

Historical Trend

Balance Sheet Trend

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

$4.0B$3.0B$2.0B$1.0B$0Assets 2011: $1,825,093,373Liabilities 2011: $1,675,801,478Net Assets 2011: $149,291,8952011Assets 2012: $1,945,190,890Liabilities 2012: $1,780,972,703Net Assets 2012: $164,218,1872012Assets 2013: $2,005,779,908Liabilities 2013: $1,827,651,555Net Assets 2013: $178,128,3532013Assets 2014: $2,100,657,676Liabilities 2014: $1,904,766,631Net Assets 2014: $195,891,0452014Assets 2015: $2,294,444,648Liabilities 2015: $2,079,965,035Net Assets 2015: $214,479,6132015Assets 2016: $2,476,945,904Liabilities 2016: $2,242,669,064Net Assets 2016: $234,276,8402016Assets 2017: $2,650,858,008Liabilities 2017: $2,396,527,466Net Assets 2017: $254,330,5422017Assets 2018: $2,819,381,992Liabilities 2018: $2,533,894,536Net Assets 2018: $285,487,4562018Assets 2019: $2,923,496,822Liabilities 2019: $2,598,965,834Net Assets 2019: $324,530,9882019Assets 2020: $3,522,965,036Liabilities 2020: $3,174,775,135Net Assets 2020: $348,189,9012020Assets 2021: $3,723,377,510Liabilities 2021: $3,317,394,498Net Assets 2021: $405,983,0122021

Highlighted filing

2018

Assets$2,819,381,992
Liabilities$2,533,894,536
Net Assets$285,487,456

Operations Trend

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

$300M$200M$100M$0Revenue 2011: $119,344,088Expenses 2011: $101,060,142Net Income 2011: $18,283,9462011Expenses 2012: $104,964,6702012Revenue 2013: $119,360,064Expenses 2013: $103,735,957Net Income 2013: $15,624,1072013Revenue 2014: $125,006,410Expenses 2014: $106,859,594Net Income 2014: $18,146,8162014Revenue 2015: $138,383,984Expenses 2015: $118,704,454Net Income 2015: $19,679,5302015Revenue 2016: $162,071,554Expenses 2016: $143,030,961Net Income 2016: $19,040,5932016Revenue 2017: $179,451,771Expenses 2017: $159,967,050Net Income 2017: $19,484,7212017Revenue 2018: $201,771,905Expenses 2018: $168,899,936Net Income 2018: $32,871,9692018Revenue 2019: $225,334,087Expenses 2019: $186,819,628Net Income 2019: $38,514,4592019Revenue 2020: $224,273,123Expenses 2020: $201,074,129Net Income 2020: $23,198,9942020Revenue 2021: $222,114,762Expenses 2021: $164,199,081Net Income 2021: $57,915,6812021

Highlighted filing

2018

Revenue$201,771,905
Expenses$168,899,936
Net Income$32,871,969
Jump To
Filing Snapshot
Filing Period
Jan 1, 2018 to Dec 31, 2018
Signed
May 15, 2019
Return Version
2018v3.1
Gross Receipts
$214,216,325
Mission and Program Overview

Mission

Provide our members with convenient, superior financial products and services that pave the way for financial freedom.

Cooperative provider of credit union financial services

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$2,337,212,568$2,473,787,007▲ $136,574,439
Rtn Earn Endowment Incm Other Fnds$238,749,970$269,906,884▲ $31,156,914
Cash and Non-Interest-Bearing Accounts$86,729,885$119,237,444▲ $32,507,559
Investments Other Securities$82,335,145$75,522,523▼ $6,812,622
Land, Buildings, and Equipment, Net$63,851,226$66,301,172▲ $2,449,946
Cap Stk Tr Prin Current Funds$15,580,572$15,580,572→ $0
Prepaid Expenses and Deferred Charges$3,989,271$4,212,822▲ $223,551
Savings and Temporary Cash Investments$1,208,676$1,223,563▲ $14,887
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Total Assets$2,650,858,008$2,819,381,992▲ $168,523,984
Other Assets Total$75,531,237$79,097,461▲ $3,566,224
Liabilities
Accounts Payable and Accrued Expenses$2,394,829,914$2,533,444,966▲ $138,615,052
Escrow Account Liability$1,697,552$449,570▼ $1,247,982
Total Liabilities$2,396,527,466$2,533,894,536▲ $137,367,070
Net Assets / Fund Balance
Total Net Assets Fund Balance$254,330,542$285,487,456▲ $31,156,914
Total Liabilities and Net Assets / Fund Balance$2,650,858,008$2,819,381,992▲ $168,523,984

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$14,230,859$38,952,426$53,183,285
Buildings$33,303,826$19,709,439$53,013,265
Leasehold Improvements$12,079,737$5,303,867$17,383,604
Land$6,686,750-$6,686,750
Compensation and Service Providers

Employees

NameTitleFull / Part TimeBaseOtherTotal
Crystal D LongPresident/CEOFT$671,405$400,003$1,071,408
Roy ThompkinsSr. VP - Chief Commercial Services OfficerFT$340,366$99,675$440,041
Roy ThompkinsSr. VP - Chief Commercial Services O-$306,693$133,348$440,041
Cecilia a DavilaSr. VP - Chief OperationsFT$242,551$140,080$382,631
Hazel KennedySr. VP - Chief Lending OfficerFT$237,238$135,256$372,494
Teresa MontoyaSr. VP - Chief Marketing OFT$227,375$131,518$358,893
Fernando OrtegaSr. VP - Chief Information OfficerFT$230,633$113,183$343,816
Darlene PalmoreSr. VP - Chief ComplianceFT$245,594$60,637$306,231
David SolisSr. VP - Chief Financial OfficerFT$228,677$53,706$282,383
Leticia RamosVP - MortgageFT$163,527$41,010$204,537
Joe UnderwoodVP - Human ResourcesFT$160,200$36,376$196,576
Daniel VasquezVP - Career and Talent DevelopmentFT$140,380$31,689$172,069
Raymond StallingsEmployeeFT$135,619$27,904$163,523
Judith MonteleoneEmployeeFT$128,499$31,692$160,191
Sandra LujanEmployeeFT$109,926$48,837$158,763
Jacque ValdezEmployeeFT$131,070$24,840$155,910
Jenny TurnerEmployeeFT$138,134$8,574$146,708
Mike SarabiaVP - Internal AuditFT$126,991$17,328$144,319
David RasconSr. VP - Chief Financial OfficerFT$118,777$16,979$135,756
Ricardo SotoDirector-$425-$425
Gregory J WattersDirectorPT$400-$400
Guadalupe GinerDirector-$375-$375
Grace VaughnDirector-$300-$300
John RunklesDirector-$300-$300
Jose I QuinonezDirector-$300-$300
Teresa QuezadaDirector-$300-$300

Highest Paid Contractors

ContractorServicesLocationCompensation
Dbsi IncorporatedFacilities Construction And Reconstructi6950 W MORELOS PL STE 1, Chandler, AZ 85226$4,942,491
Fidelity Information ServiceMember Statement ProcessingPO BOX 4535, Carol Stream, IL 60197$2,775,678
Shi International CorpComputer Software, Hardware And It290 DAVIDSON AVE, Somerset, NJ 08873$2,766,560
Sigma Technology Solutions INCIt Services607 E SONTERRA BLVD, San Antonio, TX 78258$2,336,327
Miracle Delivery ServiceArmored Car And Courier515 S KANSAS ST, El Paso, TX 79901$1,179,006
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$196,487,731
Investment Income
$5,284,174
Other Revenue
$0
Change in Net Assets
$32,871,969

Audited Revenue Reconciliation

Revenue per Audited Statements
$201,771,905
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Total Revenue per Audited Statements
$201,771,905
Total Revenue per Form 990
$201,771,905
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$118,919,314
Salaries, Compensation, and Employee Benefits$49,980,622
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$34,714,915
Interest---$23,156,403
Depreciation Depletion---$9,839,055
Office Expenses---$7,274,536
Other Employee Benefits---$4,933,473
Advertising---$4,759,511
Occupancy---$4,576,461
Current Officers, Directors, Trustees, and Key Employees---$4,436,907
Information Technology---$4,206,612
Pension Plan Contributions---$3,139,474
Payroll Taxes---$2,755,853
Other Expenses---$1,434,988
Travel---$533,578
Fees for Services Legal---$357,642
Conferences and Meetings---$185,698
Fees for Services Accounting---$125,364
Total Functional Expenses$0$0$0$168,899,936

Audited Expense Reconciliation

Line ItemAmount
Total Expenses per Audited Statements$170,614,991
Expenses per Audited Statements$168,899,936
Total Expenses per Form 990$168,899,936
Expenses Not Reported on Form 990$1,715,055
Expenses Not Reported on Financial Statements$0
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
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
Yes
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 6

The organization is a state chartered community credit union. Membership is established through the opening of share accounts at the institution. Members vote at an annual meeting to elect representatives to the board of directors of the institution.

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

The organization is a state charterd community credit union. Membership is established through the opening of share accounts at the institution. Members vote at an annual meeting to elect representativs to the board of directors of the institution.

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

As discussed in 7a, members hold elections at an annual meeting to elect members to the board of directors for those board members whose terms are ending.

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

The ceo and cfo review form 990 prior to filing. Upon completion of their review the return is filed with the internal revenue service. The organization informs the board of directors that form 990 is available to them upon their request.

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

Any officer, director, advisory director or committee member of the credit union or its disregarded entity must disclose any conflict of interest prior to deliberation or determination of any loan, investment or any other matter affecting that individual and the individual can not participate, directly or indirectly, in such deliberation or determination.

Form 990, Part VI, Section B, Line 15

The institution and its disregarded entity uses hrn, an independent compensation consultant, to supply comparative market data. Other reputable sources such as cuna, d. Hilton and credit union executive society are also used. A report is prepared for board of directors review. The board will set the salary, bonus and benefits for the ceo.

Form 990, Part VI, Section C, Line 19

Gecu does not make its governing documents or conflict of interest policy available to the public. Financial statements are posted in the lobby of each branch office each month and are available to the public upon request from any officer or manager.

Filing and Contact Details

Filer

Filer Name
Gecu
EIN
74-0650998
Phone
9157789221
Address
1225 AIRWAY, EL PASO, TX 79925

Signing Officer

Name
Crystal Long
Title
President and CEO
Phone
9157789221
Signed
2019-05-15
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Crystal Long
Formed
1932
Legal Domicile
TX
Voting Board Members
7
Independent Board Members
7
Employees
1,021
Volunteers
0

Preparer

Firm
Pate & Appleby Llp
Address
1011 MONTANA AVENUE, EL PASO, TX 79902
Preparer
Richard De Santos
Phone
9155328000
Supplemental Narrative

Additional Explanations

FORM 990, PART XI, LINE 9:

Unrealized holding loss on post retirement obligations -19,078.

Form 990, Part XII, Line 2C

No changes have been made with regards to the audit oversight or selection process during the current tax year.

Financial Statement Notes

PART IV, LINE 1B:

The credit union services mortgage loans and holds funds in escrow for taxes and insurance payments on behalf of the borrowers.

PART X, LINE 2:

The audit report does not disclose any uncertain tax positions under fin 48.

PART XII, LINE 2D - OTHER ADJUSTMENTS:

Net unrealized losses on investments 1,695,977. Net unrealized losses on postretirement obligations 19,078.

Raw XML AppendixShowing 400 of 871 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.

Path#Value
IRS990/AccountantCompileOrReviewInd00
IRS990/AccountsPayableAccrExpnssGrp/BOYAmt02394829914
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt02533444966
IRS990/ActivitiesConductedPrtshpInd00
IRS990/ActivityOrMissionDesc0COOPERATIVE PROVIDER OF CREDIT UNION FINANCIAL SERVICES
IRS990/AdvertisingGrp/TotalAmt04759511
IRS990/AnnualDisclosureCoveredPrsnInd01
IRS990/AuditCommitteeInd01
IRS990/BackupWthldComplianceInd01
IRS990/BooksInCareOfDetail/PersonNm0DAVID SOLIS
IRS990/BooksInCareOfDetail/PhoneNum09157748260
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt01225 AIRWAY
IRS990/BooksInCareOfDetail/USAddress/CityNm0EL PASO
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0TX
IRS990/BooksInCareOfDetail/USAddress/ZIPCd079925
IRS990/BusinessRlnWithFamMemInd00
IRS990/BusinessRlnWithOfficerEntInd00
IRS990/BusinessRlnWithOrgMemInd00
IRS990/CapStkTrPrinCurrentFundsGrp/BOYAmt015580572
IRS990/CapStkTrPrinCurrentFundsGrp/EOYAmt015580572
IRS990/CashNonInterestBearingGrp/BOYAmt086729885
IRS990/CashNonInterestBearingGrp/EOYAmt0119237444
IRS990/ChangeToOrgDocumentsInd00
IRS990/CntrctRcvdGreaterThan100KCnt05
IRS990/CollectionsOfArtInd00
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt04436907
IRS990/CompensationFromOtherSrcsInd00
IRS990/CompensationProcessCEOInd01
IRS990/CompensationProcessOtherInd01
IRS990/ConferencesMeetingsGrp/TotalAmt0185698
IRS990/ConflictOfInterestPolicyInd01
IRS990/ConservationEasementsInd00
IRS990/ConsolidatedAuditFinclStmtInd01
IRS990/ContractorCompensationGrp/CompensationAmt04942491
IRS990/ContractorCompensationGrp/CompensationAmt12775678
IRS990/ContractorCompensationGrp/CompensationAmt22766560
IRS990/ContractorCompensationGrp/CompensationAmt32336327
IRS990/ContractorCompensationGrp/CompensationAmt41179006
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt06950 W MORELOS PL STE 1
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt1PO BOX 4535
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt2290 DAVIDSON AVE
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt3607 E SONTERRA BLVD
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt4515 S KANSAS ST
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm0CHANDLER
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm1CAROL STREAM
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm2SOMERSET
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm3SAN ANTONIO
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm4EL PASO
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd0AZ
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd1IL
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd2NJ
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd3TX
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd4TX
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd085226
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd160197
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd208873
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd378258
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd479901
IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt0DBSI INCORPORATED
IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt1FIDELITY INFORMATION SERVICE
IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt2SHI INTERNATIONAL CORP
IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt3SIGMA TECHNOLOGY SOLUTIONS INC
IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt4MIRACLE DELIVERY SERVICE
IRS990/ContractorCompensationGrp/ServicesDesc0FACILITIES CONSTRUCTION AND RECONSTRUCTI
IRS990/ContractorCompensationGrp/ServicesDesc1MEMBER STATEMENT PROCESSING
IRS990/ContractorCompensationGrp/ServicesDesc2COMPUTER SOFTWARE, HARDWARE AND IT
IRS990/ContractorCompensationGrp/ServicesDesc3IT SERVICES
IRS990/ContractorCompensationGrp/ServicesDesc4ARMORED CAR AND COURIER
IRS990/CreditCounselingInd01
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt05284174
IRS990/CYOtherExpensesAmt0118919314
IRS990/CYOtherRevenueAmt00
IRS990/CYProgramServiceRevenueAmt0196487731
IRS990/CYRevenuesLessExpensesAmt032871969
IRS990/CYSalariesCompEmpBnftPaidAmt049980622
IRS990/CYTotalExpensesAmt0168899936
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt0201771905
IRS990/DecisionsSubjectToApprovaInd01
IRS990/DeductibleArtContributionInd00
IRS990/DeductibleNonCashContriInd00
IRS990/DelegationOfMgmtDutiesInd00
IRS990/DepreciationDepletionGrp/TotalAmt09839055
IRS990/Desc0GECU IS A MEMBER-OWNED, COOPERATIVE, NON-PROFIT FINANCIAL SERVICES PROVIDER INCORPORATED UNDER THE PROVISIONS OF THE TEXAS CREDIT UNION ACT TO ENCOURAGE THRIFT AMONG MEMBERS, PROVIDE CREDIT AT A FAIR AND REASONABLE RATE OF INTEREST AND CREATE OPPORTUNITIES TO IMPROVE ITS MEMBERS' ECONOMIC CONDITION. GECU OFFERS PERSONAL, AUTO, BUSINESS AND HOME LOANS TO ITS MEMBERS. AT DECEMBER 31, 2018, TOTAL NUMBER OF OUTSTANDING LOANS WAS 221,099 WITH AN OUTSTANDING BALANCE OF $2,473,787,007. GECU ALSO PROVIDES VARIOUS DEPOSIT ACCOUNT OPTIONS INCLUDING CHECKING, SAVINGS, CERTIFICATES OF DEPOSIT, INDIVIDUAL RETIREMENT ACCOUNTS AND MONEY MARKET ACCOUNTS. AT DECEMBER 31, 2018, TOTAL DEPOSIT ACCOUNTS WERE 597,980 AND OUTSTANDING DEPOSITS WERE $2,278,544,227.
IRS990/DescribedInSection501c3Ind00
IRS990/DisregardedEntityInd01
IRS990/DocumentRetentionPolicyInd01
IRS990/DonorAdvisedFundInd00
IRS990/ElectionOfBoardMembersInd01
IRS990/EmployeeCnt01021
IRS990/EmploymentTaxReturnsFiledInd01
IRS990/EscrowAccountLiabilityGrp/BOYAmt01697552
IRS990/EscrowAccountLiabilityGrp/EOYAmt0449570
IRS990/FamilyOrBusinessRlnInd00
IRS990/FederalGrantAuditRequiredInd00
IRS990/FeesForServicesAccountingGrp/TotalAmt0125364
IRS990/FeesForServicesLegalGrp/TotalAmt0357642
IRS990/ForeignActivitiesInd00
IRS990/ForeignFinancialAccountInd00
IRS990/ForeignOfficeInd00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt05.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt13.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt23.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt33.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt43.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt53.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt63.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt740.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt840.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt940.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1040.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1140.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1240.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1340.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1440.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1540.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1640.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1740.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1840.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1940.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt2040.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt2140.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt2240.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt2340.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt2440.00
IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd0X
IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd1X
IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd2X
IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd3X
IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd4X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd1X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd2X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd3X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd4X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd5X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd6X
IRS990/Form990PartVIISectionAGrp/OfficerInd0X
IRS990/Form990PartVIISectionAGrp/OfficerInd1X
IRS990/Form990PartVIISectionAGrp/OfficerInd2X
IRS990/Form990PartVIISectionAGrp/OfficerInd3X
IRS990/Form990PartVIISectionAGrp/OfficerInd4X
IRS990/Form990PartVIISectionAGrp/OfficerInd5X
IRS990/Form990PartVIISectionAGrp/OfficerInd6X
IRS990/Form990PartVIISectionAGrp/OfficerInd7X
IRS990/Form990PartVIISectionAGrp/OfficerInd8X
IRS990/Form990PartVIISectionAGrp/OfficerInd9X
IRS990/Form990PartVIISectionAGrp/OfficerInd10X
IRS990/Form990PartVIISectionAGrp/OfficerInd11X
IRS990/Form990PartVIISectionAGrp/OfficerInd12X
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt00
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt10
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt20
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt30
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt40
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt50
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt60
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt7272172
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt8107178
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt9105319
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1025615
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt11102619
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1299675
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1389623
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1416979
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1522333
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1625702
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1722760
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1817328
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1918194
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt2017310
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt219784
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt2218618
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt238574
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt2419191
IRS990/Form990PartVIISectionAGrp/PersonNm0GREGORY J WATTERS
IRS990/Form990PartVIISectionAGrp/PersonNm1JOSE I QUINONEZ
IRS990/Form990PartVIISectionAGrp/PersonNm2GUADALUPE GINER
IRS990/Form990PartVIISectionAGrp/PersonNm3RICARDO SOTO
IRS990/Form990PartVIISectionAGrp/PersonNm4TERESA QUEZADA
IRS990/Form990PartVIISectionAGrp/PersonNm5GRACE VAUGHN
IRS990/Form990PartVIISectionAGrp/PersonNm6JOHN RUNKLES
IRS990/Form990PartVIISectionAGrp/PersonNm7CRYSTAL D LONG
IRS990/Form990PartVIISectionAGrp/PersonNm8TERESA MONTOYA
IRS990/Form990PartVIISectionAGrp/PersonNm9CECILIA A DAVILA
IRS990/Form990PartVIISectionAGrp/PersonNm10DARLENE PALMORE
IRS990/Form990PartVIISectionAGrp/PersonNm11HAZEL KENNEDY
IRS990/Form990PartVIISectionAGrp/PersonNm12ROY THOMPKINS
IRS990/Form990PartVIISectionAGrp/PersonNm13FERNANDO ORTEGA
IRS990/Form990PartVIISectionAGrp/PersonNm14DAVID RASCON
IRS990/Form990PartVIISectionAGrp/PersonNm15JOE UNDERWOOD
IRS990/Form990PartVIISectionAGrp/PersonNm16DAVID SOLIS
IRS990/Form990PartVIISectionAGrp/PersonNm17LETICIA RAMOS
IRS990/Form990PartVIISectionAGrp/PersonNm18MIKE SARABIA
IRS990/Form990PartVIISectionAGrp/PersonNm19DANIEL VASQUEZ
IRS990/Form990PartVIISectionAGrp/PersonNm20RAYMOND STALLINGS
IRS990/Form990PartVIISectionAGrp/PersonNm21SANDRA LUJAN
IRS990/Form990PartVIISectionAGrp/PersonNm22JACQUE VALDEZ
IRS990/Form990PartVIISectionAGrp/PersonNm23JENNY TURNER
IRS990/Form990PartVIISectionAGrp/PersonNm24JUDITH MONTELEONE
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt0400
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt1300
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt2375
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt3425
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt4300
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt5300
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt6300
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt7799236
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt8251715
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt9277312
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10280616
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt11269875
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt12340366
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt13254193
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt14118777
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt15174243
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt16256681
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt17181777
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt18126991
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt19153875
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20146213
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt21148979
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt22137292
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt23138134
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt24141000
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt90
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt100
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt110
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt120
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt130
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt140
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt150
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt160
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt170
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt180
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt190
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt200
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt210
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt220
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt230
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt240
IRS990/Form990PartVIISectionAGrp/TitleTxt0DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt1DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt2DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt3DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt4DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt5DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt7PRESIDENT/CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt8SR. VP - CHIEF MARKETING O
IRS990/Form990PartVIISectionAGrp/TitleTxt9SR. VP - CHIEF OPERATIONS
IRS990/Form990PartVIISectionAGrp/TitleTxt10SR. VP - CHIEF COMPLIANCE
IRS990/Form990PartVIISectionAGrp/TitleTxt11SR. VP - CHIEF LENDING OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt12SR. VP - CHIEF COMMERCIAL SERVICES OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt13SR. VP - CHIEF INFORMATION OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt14SR. VP - CHIEF FINANCIAL OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt15VP - HUMAN RESOURCES
IRS990/Form990PartVIISectionAGrp/TitleTxt16SR. VP - CHIEF FINANCIAL OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt17VP - MORTGAGE
IRS990/Form990PartVIISectionAGrp/TitleTxt18VP - INTERNAL AUDIT
IRS990/Form990PartVIISectionAGrp/TitleTxt19VP - CAREER AND TALENT DEVELOPMENT
IRS990/Form990PartVIISectionAGrp/TitleTxt20EMPLOYEE
IRS990/Form990PartVIISectionAGrp/TitleTxt21EMPLOYEE
IRS990/Form990PartVIISectionAGrp/TitleTxt22EMPLOYEE
IRS990/Form990PartVIISectionAGrp/TitleTxt23EMPLOYEE
IRS990/Form990PartVIISectionAGrp/TitleTxt24EMPLOYEE
IRS990/Form990ProvidedToGvrnBodyInd00
IRS990/Form990TFiledInd01
IRS990/FormationYr01932
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedBasisGrp/SeparateBasisFinclStmtInd0X
IRS990/FSAuditedInd01
IRS990/FundraisingActivitiesInd00
IRS990/GainOrLossGrp/OtherAmt01163820
IRS990/GainOrLossGrp/SecuritiesAmt0-14470
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt07
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossAmountSalesAssetsGrp/OtherAmt010681430
IRS990/GrossAmountSalesAssetsGrp/SecuritiesAmt02912340
IRS990/GrossReceiptsAmt0214216325
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd00
IRS990/IndependentAuditFinclStmtInd00
IRS990/IndependentVotingMemberCnt07
IRS990/IndivRcvdGreaterThan100KCnt035
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartXIIInd0X
IRS990/InfoInScheduleOPartXIInd0X
IRS990/InformationTechnologyGrp/TotalAmt04206612
IRS990/InterestGrp/TotalAmt023156403
IRS990/InvestmentIncomeGrp/ExclusionAmt04134824
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt04134824
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt082335145
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt075522523
IRS990/IRPDocumentCnt0262597
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt063965732
IRS990/LandBldgEquipBasisNetGrp/BOYAmt063851226
IRS990/LandBldgEquipBasisNetGrp/EOYAmt066301172
IRS990/LandBldgEquipCostOrOtherBssAmt0130266904
IRS990/LegalDomicileStateCd0TX
IRS990/LessCostOthBasisSalesExpnssGrp/OtherAmt09517610
IRS990/LessCostOthBasisSalesExpnssGrp/SecuritiesAmt02926810
IRS990/LoanOutstandingInd00
IRS990/LocalChaptersInd01
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0PROVIDE OUR MEMBERS AND OUR COMMUNITY WITH CONVENIENT, SUPERIOR FINANCIAL PRODUCTS AND SERVICES THAT PAVE THE WAY FOR FINANCIAL FREEDOM.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/NetAssetsOrFundBalancesBOYAmt0254330542
IRS990/NetAssetsOrFundBalancesEOYAmt0285487456
IRS990/NetGainOrLossInvestmentsGrp/RelatedOrExemptFuncIncomeAmt01149350
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt01149350
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NetUnrlzdGainsLossesInvstAmt0-1695977
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt04576461
IRS990/OfficeExpensesGrp/TotalAmt07274536
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt075531237
IRS990/OtherAssetsTotalGrp/EOYAmt079097461
IRS990/OtherChangesInNetAssetsAmt0-19078
IRS990/OtherEmployeeBenefitsGrp/TotalAmt04933473
IRS990/OtherExpensesGrp/Desc0OFFICE OPERATIONS
IRS990/OtherExpensesGrp/Desc1PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/Desc2OTHER OPERATING EXPENSE
IRS990/OtherExpensesGrp/Desc3EDUCATION AND PROMOTION
IRS990/OtherExpensesGrp/TotalAmt029224539
IRS990/OtherExpensesGrp/TotalAmt127326179
IRS990/OtherExpensesGrp/TotalAmt25918748
IRS990/OtherExpensesGrp/TotalAmt31434988
IRS990/OtherSalariesAndWagesGrp/TotalAmt034714915
IRS990/OtherWebsiteInd0X
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt02337212568
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt02473787007
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt02755853
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt03139474
IRS990/PoliciesReferenceChaptersInd01
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt03989271
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt04212822
IRS990/PrincipalOfficerNm0CRYSTAL LONG
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/BusinessCd2522100
IRS990/ProgramServiceRevenueGrp/BusinessCd3524298
IRS990/ProgramServiceRevenueGrp/Desc0INTEREST ON LOANS
IRS990/ProgramServiceRevenueGrp/Desc1SERVICE CHARGES AND FEES
IRS990/ProgramServiceRevenueGrp/Desc2OTHER, NET
IRS990/ProgramServiceRevenueGrp/Desc3INSURANCE PRODUCTS
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt0135266389
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt145915241
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt29780089
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt35038258
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt0135266389
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt146334073
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt29849011
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt35038258
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt0418832
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt168922
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt04940514
IRS990/PYOtherExpensesAmt0113038816
IRS990/PYOtherRevenueAmt00
IRS990/PYProgramServiceRevenueAmt0174511257
IRS990/PYRevenuesLessExpensesAmt019484721
IRS990/PYSalariesCompEmpBnftPaidAmt046928234
IRS990/PYTotalExpensesAmt0159967050

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Peer Organizations

Similar nonprofits based on the same Siviq industry and scale cohort. 2018 filings • 501(c)14 • $1B+ nonprofits