Civic Intelligence

Plus4 Credit Union

EIN 74-0695230 • 501(c)14 • Houston, TX

View Organization Page

Profile

To provide banking and loan services to members in order to invest in people and improve lives.

9998 Almeda Genoa RdHouston, TX 77075

n/A

Siviq Scores

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

Liabilities / Assets

3rd percentile

0.03x

Higher debt load relative to assets than 3% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Source year 2024

Liabilities / Revenue

4th percentile

0.35x

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

501(c)14 • $100M-$250M nonprofits • Source year 2024

Net Margin

26th percentile

5.8%

Higher net margin than 26% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Source year 2024

Top Officer Pay

Score unavailable

No value available

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

Asset Growth

54th percentile

2.4%

Faster asset growth than 54% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Annualized from 2023 to 2024

Revenue Growth

60th percentile

17%

Faster revenue growth than 60% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets3rd percentile

Assets

Up

$194,130,565

Up $4,590,719 (+2.4%) from 2023

Liabilities

Down

$5,595,829

Down $76,111 (-1.3%) from 2023

Net Assets

Up

$188,534,736

Up $4,666,830 (+2.5%) from 2023

Operations
Liabilities / Revenue4th percentileNet Margin26th percentile

Revenue

Up

$16,135,767

Up $2,359,174 (+17%) from 2023

Expenses

Up

$15,195,506

Up $1,815,296 (+14%) from 2023

Net Income

Up

$940,261

Up $543,878 (+137%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth54th percentile

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

$200M$150M$100M$50M$0Assets 2010: $90,902,357Liabilities 2010: $83,435,214Net Assets 2010: $7,467,1432010Assets 2011: $89,691,534Liabilities 2011: $81,929,624Net Assets 2011: $7,761,9102011Assets 2012: $90,429,739Liabilities 2012: $83,222,370Net Assets 2012: $7,207,3692012Assets 2013: $95,465,058Liabilities 2013: $87,490,192Net Assets 2013: $7,974,8662013Assets 2014: $106,769,286Liabilities 2014: $97,330,518Net Assets 2014: $9,438,7682014Assets 2015: $108,781,056Liabilities 2015: $100,738,178Net Assets 2015: $8,042,8782015Assets 2016: $116,487,923Liabilities 2016: $109,054,087Net Assets 2016: $7,433,8362016Assets 2017: $121,426,436Liabilities 2017: $113,192,745Net Assets 2017: $8,233,6912017Assets 2019: $123,024,703Liabilities 2019: $114,277,120Net Assets 2019: $8,747,5832019Assets 2020: $125,027,756Liabilities 2020: $117,864,531Net Assets 2020: $7,163,2252020Assets 2021: $132,777,176Liabilities 2021: $115,165,588Net Assets 2021: $17,611,5882021Assets 2022: $196,739,060Liabilities 2022: $8,046,922Net Assets 2022: $188,692,1382022Assets 2023: $189,539,846Liabilities 2023: $5,671,940Net Assets 2023: $183,867,9062023Assets 2024: $194,130,565Liabilities 2024: $5,595,829Net Assets 2024: $188,534,7362024

Highlighted filing

2024

Assets$194,130,565
Liabilities$5,595,829
Net Assets$188,534,736
Open 2024 Filing

Operations Trend

Revenue Growth60th percentile

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

$20M$15M$10M$5.0M$0-$5.0MExpenses 2010: $8,079,3522010Expenses 2011: $7,927,2122011Expenses 2012: $7,692,4572012Revenue 2013: $8,140,097Expenses 2013: $7,369,021Net Income 2013: $771,0762013Revenue 2014: $8,107,012Expenses 2014: $7,065,122Net Income 2014: $1,041,8902014Revenue 2015: $7,831,957Expenses 2015: $7,681,143Net Income 2015: $150,8142015Revenue 2016: $8,195,258Expenses 2016: $8,062,229Net Income 2016: $133,0292016Revenue 2017: $8,380,479Expenses 2017: $8,311,628Net Income 2017: $68,8512017Revenue 2019: $9,709,604Expenses 2019: $8,983,194Net Income 2019: $726,4102019Revenue 2020: $8,968,787Expenses 2020: $9,264,302Net Income 2020: -$295,5152020Revenue 2021: $9,356,644Expenses 2021: $8,809,553Net Income 2021: $547,0912021Revenue 2022: $15,178,327Expenses 2022: $14,702,092Net Income 2022: $476,2352022Revenue 2023: $13,776,593Expenses 2023: $13,380,210Net Income 2023: $396,3832023Revenue 2024: $16,135,767Expenses 2024: $15,195,506Net Income 2024: $940,2612024

Highlighted filing

2024

Revenue$16,135,767
Expenses$15,195,506
Net Income$940,261
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$194,130,565
Liabilities
$5,595,829
Net assets
$188,534,736
Revenue
$16,135,767
Expenses
$15,195,506
Net income
$940,261
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$194$5.60$189$16.1$15.2$0.94
2023Detailed filing. Detailed filing data is available for this year.$190$5.67$184$13.8$13.4$0.40
2022Detailed filing. Detailed filing data is available for this year.$197$8.05$189$15.2$14.7$0.48
2021Detailed filing. Detailed filing data is available for this year.$133$115$17.6$9.36$8.81$0.55
2020Summary only. Only limited summary data is available for this year.$125$118$7.16$8.97$9.26$0.30
2019Detailed filing. Detailed filing data is available for this year.$123$114$8.75$9.71$8.98$0.73
2017Detailed filing. Detailed filing data is available for this year.$121$113$8.23$8.38$8.31$0.07
2016Summary only. Only limited summary data is available for this year.$116$109$7.43$8.20$8.06$0.13
2015Detailed filing. Detailed filing data is available for this year.$109$101$8.04$7.83$7.68$0.15
2014Detailed filing. Detailed filing data is available for this year.$107$97.3$9.44$8.11$7.07$1.04
2013Detailed filing. Detailed filing data is available for this year.$95.5$87.5$7.97$8.14$7.37$0.77
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$90.4$83.2$7.21$7.69
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$89.7$81.9$7.76$7.93
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$90.9$83.4$7.47$8.08
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
May 15, 2025
Return Version
2024v5.2
Gross Receipts
$16,135,767
Mission and Program Overview

Mission

To provide banking and loan services to members in order to invest in people and improve lives.

Balance Sheet Detail
LineBeginningEndChange
Assets
Rtn Earn Endowment Incm Other Fnds$165,159,278$167,308,729▲ $2,149,451
Other Notes and Loans Receivable, Net$135,271,921$140,354,742▲ $5,082,821
Pd in Cap Srpls Land Bldg Eqp Fund$18,708,628$21,226,007▲ $2,517,379
Investments Other Securities$24,187,298$20,821,304▼ $3,365,994
Prepaid Expenses and Deferred Charges$10,027,570$13,052,240▲ $3,024,670
Land, Buildings, and Equipment, Net$7,600,783$7,224,840▼ $375,943
Cash and Non-Interest-Bearing Accounts$3,634,220$3,514,769▼ $119,451
Accounts Receivable$1,371,725$856,767▼ $514,958
Receivables From Officers Etc-$452,203-
Total Assets$189,539,846$194,130,565▲ $4,590,719
Other Assets Total$7,446,329$7,853,700▲ $407,371
Liabilities
Other Liabilities$5,568,933$5,514,146▼ $54,787
Accounts Payable and Accrued Expenses$103,007$81,683▼ $21,324
Total Liabilities$5,671,940$5,595,829▼ $76,111
Net Assets / Fund Balance
Total Net Assets Fund Balance$183,867,906$188,534,736▲ $4,666,830
Total Liabilities and Net Assets / Fund Balance$189,539,846$194,130,565▲ $4,590,719

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$4,150,968$2,618,238-
Other Land Buildings$293,782$1,582,003-
Land$2,313,247--
Equipment$222,708$1,958,177-
Leasehold Improvements$244,135$484,147-
Other Assets Org$694,193--
Other Securities$6,768,886--
Compensation and Service Providers
Top Officer PayScore unavailable

Employees

NameTitleFull / Part TimeBaseOtherTotal
Malcolm Rene--$220,000$10,800$230,800
Malcolm ReneCEOFT$220,000-$220,000
Daniel CaldwellCFOFT$140,605-$140,605
Charles CharlestonSecretary-$6,000-$6,000
Chuck RichardDirector-$6,000-$6,000
Debra PruittDirector-$6,000-$6,000
Ed MartindaleVice-Chair-$6,000-$6,000
Edward JohnsonDirector-$6,000-$6,000
Gayle ReedDirector-$6,000-$6,000
Gina GoosbyDirector-$6,000-$6,000
John GlennDirector-$6,000-$6,000
Margaret GlassTreasurer-$6,000-$6,000
Mary WatsonParlimentarian-$6,000-$6,000
Vic AyresDirector-$6,000-$6,000
Wendell GreanleafChairman-$6,000-$6,000
Roderick NewmanSecretary-$5,000-$5,000
Revenue and Support

Revenue Composition

Contributions and Grants
$711,000
Program Service Revenue
$12,960,053
Investment Income
$2,464,714
Other Revenue
$0
All Other Contributions
$711,000
Change in Net Assets
$940,261
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$9,443,073
Salaries, Compensation, and Employee Benefits$5,752,433
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$0$3,875,138$0$3,875,138
Office Expenses$1,536,152$0$0$1,536,152
Interest$1,320,025$0$0$1,320,025
All Other Expenses$1,027,910$50,487$0$1,078,397
Occupancy$1,007,997$0$0$1,007,997
Other Expenses$889,688$0$0$889,688
Pension Plan Contributions$0$607,776$0$607,776
Other Employee Benefits$0$551,315$0$551,315
Current Officers, Directors, Trustees, and Key Employees$0$440,355$0$440,355
Depreciation Depletion$0$395,346$0$395,346
Information Technology$351,337$0$0$351,337
Payroll Taxes$0$277,849$0$277,849
Advertising$274,970$0$0$274,970
Insurance$0$138,435$0$138,435
Travel$0$73,259$0$73,259
Fees for Services Accounting$0$57,000$0$57,000
Conferences and Meetings$29,792$19,047$0$48,839
Fees for Services Legal$0$9,516$0$9,516
Total Functional Expenses$8,699,983$6,495,523$0$15,195,506
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

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Officers, Directors, Trustees, and Key Employees-$452,203-
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Other liabilities$3,512,400
Catalyst LOC$1,292,253
Accrued expenses$646,846
Share draft dividends accounts$62,647
Regular shares$0
Other shares and deposits$0
Kasasa Savers$0
Negative shares$0
IRA withholdings$0
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
Yes
Backup withholding compliance
No
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
Priority Trust Credit Union
EIN
74-0695230
Phone
7139706273
Address
9998 Almeda Genoa Rd, Houston, TX 77075

Signing Officer

Name
Malcolm Renee
Title
President and CEO
Phone
7139706273
Signed
2025-05-15
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Malcolm Renee
Formed
1929
Legal Domicile
TX
Voting Board Members
13
Independent Board Members
13
Employees
92
Volunteers
0

Preparer

Firm
Donald R Bond CPA
Address
PO Box 300671, HOUSTON, TX 77230
Preparer
Donald R Bond
Phone
7136519300
Supplemental Narrative

Additional Explanations

Pt VI, Line 11B

“The 990 tax return is prepared by outside CPA, reviewed by EVP/CFO of Accounting, President and CEO.”

Pt VI, Line 12C

“Monitored by Board, management and internal audit.”

Pt VI, Line 15A

“Formal appraisal and performance evaluations are conducted annually for President and CEO. Senior level officers are evaluated by individuals immediate supervisor. Salary ranges are validated annually by a third party based on the organizations size and product complexity.”

Pt VI, Line 15B

“See 15a above.”

Form 990, Part III, Line 4D

“Other services offered to members are mortgage loans,”

Raw XML AppendixShowing 400 of 753 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/Form990PartVIISectionAGrp/TitleTxt3Vice-Chair
IRS990/Form990PartVIISectionAGrp/TitleTxt4Secretary
IRS990/Form990PartVIISectionAGrp/TitleTxt5Treasurer
IRS990/Form990PartVIISectionAGrp/TitleTxt6Parlimentarian
IRS990/Form990PartVIISectionAGrp/TitleTxt7Secretary
IRS990/Form990PartVIISectionAGrp/TitleTxt8Director
IRS990/Form990PartVIISectionAGrp/TitleTxt9Director
IRS990/Form990PartVIISectionAGrp/TitleTxt10Director
IRS990/Form990PartVIISectionAGrp/TitleTxt11Director
IRS990/Form990PartVIISectionAGrp/TitleTxt12Director
IRS990/Form990PartVIISectionAGrp/TitleTxt13Director
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IRS990/OtherExpensesGrp/Desc1Provision for loan losses
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IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt013052240
IRS990/PrincipalOfficerNm0Malcolm Renee
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IRS990/ProgSrvcAccomActy2Grp/Desc0Checking Accounts: Checking accounts are offered to members and generally pay monthly dividends. Access if offered through branch locations, internet, ATMs, and telephone. Free debit cards are offered and on-line and mobile banking features are provided.
IRS990/ProgSrvcAccomActy2Grp/ExpenseAmt02060152
IRS990/ProgSrvcAccomActy2Grp/RevenueAmt02098253
IRS990/ProgSrvcAccomActy3Grp/Desc0Consumer Loans: Consumer loans are offered to members for autos, recreational vehicles, home equity, credit card, and personal loans. Consumer life and disability insurance are available on any of these products.
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IRS990/ProgSrvcAccomActy3Grp/GrantAmt01134686
IRS990/ProgSrvcAccomActy3Grp/RevenueAmt08725648
IRS990/ProgSrvcAccomActyOtherGrp/Desc0Other services offered to members are mortgage loans, money orders, cashiers checks and wire transfers.
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IRS990ScheduleD/LandGrp/InvestmentCostOrOtherBasisAmt02313247
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IRS990ScheduleD/OtherAssetsOrgGrp/Desc0NCUSIF and Other Assets
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IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0Share draft dividends accounts
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1Regular shares
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc2Other shares and deposits
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc3Kasasa Savers
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc4Negative shares
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc5Catalyst LOC
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc6IRA withholdings
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc7Accrued expenses
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc8Other liabilities
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IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt1255497
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt2596921
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt36768886
IRS990ScheduleD/OtherSecuritiesGrp/Desc0Investment in banks & cus
IRS990ScheduleD/OtherSecuritiesGrp/Desc1Member capital share

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