Civic Intelligence

Priority Trust Credit Union

990 • Fiscal year 2022 • EIN 74-0695230

Jan 01, 2022 to Dec 31, 2022 • Filed on Sep 03, 2024

Organization ProfileN/A

View Organization Page

9998 Almeda Genoa RdHouston, TX 77075

(713) 970-6273

Siviq Scores

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

Liabilities / Assets

5th percentile

0.04x

Higher debt load relative to assets than 5% of similar nonprofits.

2022 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2022

Liabilities / Revenue

5th percentile

0.53x

Higher debt load relative to revenue than 5% of similar nonprofits.

2022 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2022

Net Margin

5th percentile

3.1%

Higher net margin than 5% of similar nonprofits.

2022 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2022

Top Officer Pay

48th percentile

$211,615

Higher top officer pay than 48% of similar nonprofits.

Top officer pay equals 1.4% of source-year revenue.

2022 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2022

Asset Growth

100th percentile

48%

Faster asset growth than 100% of similar nonprofits.

2022 filings • 501(c)14 • $100M-$250M nonprofits • Annualized from 2021 to 2022

Revenue Growth

99th percentile

62%

Faster revenue growth than 99% of similar nonprofits.

2022 filings • 501(c)14 • $100M-$250M nonprofits • Annualized from 2021 to 2022

Balance Sheet
Liabilities / Assets5th percentile

Assets

Up

$196,739,060

Up $63,961,884 (+48%) from 2021

Net Assets

Up

$188,692,138

Up $171,080,550 (+971%) from 2021

Liabilities

Down

$8,046,922

Down $107,118,666 (-93%) from 2021

Revenue And Expenses
Liabilities / Revenue5th percentileNet Margin5th percentile

Revenue

Up

$15,178,327

Up $5,821,683 (+62%) from 2021

Expenses

Up

$14,702,092

Up $5,892,539 (+67%) from 2021

Net Income

Down

$476,235

Down $70,856 (-13%) from 2021

Historical Trend

Balance Sheet Trend

Asset Growth100th percentile

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

$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

2022

Assets$196,739,060
Liabilities$8,046,922
Net Assets$188,692,138
Open 2022 Filing

Operations Trend

Revenue Growth99th percentile

Revenue, expenses, and net income across loaded years, with this 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

2022

Revenue$15,178,327
Expenses$14,702,092
Net Income$476,235
Open 2022 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2022 to Dec 31, 2022
Signed
Sep 3, 2024
Return Version
2022v5.0
Gross Receipts
$15,178,327
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$12,258,664$169,997,677▲ $157,739,013
Other Notes and Loans Receivable, Net$101,703,137$142,041,136▲ $40,337,999
Investments Other Securities$3,406,351$23,606,312▲ $20,199,961
Pd in Cap Srpls Land Bldg Eqp Fund$5,352,924$18,694,461▲ $13,341,537
Prepaid Expenses and Deferred Charges$8,086,470$9,700,555▲ $1,614,085
Land, Buildings, and Equipment, Net$8,281,109$7,909,595▼ $371,514
Cash and Non-Interest-Bearing Accounts$1,992,875$4,860,364▲ $2,867,489
Accounts Receivable$1,497,526$1,457,984▼ $39,542
Loans From Officers Directors$0--
Total Assets$132,777,176$196,739,060▲ $63,961,884
Other Assets Total$7,809,708$7,163,114▼ $646,594
Liabilities
Other Liabilities$114,871,038$7,955,193▼ $106,915,845
Accounts Payable and Accrued Expenses$294,550$91,729▼ $202,821
Grants Payable$0--
Mortgage Notes Payable Secured by Investment Property$0--
Unsecured Notes Loans Payable$0--
Deferred Revenue$0--
Tax Exempt Bond Liabilities$0--
Total Liabilities$115,165,588$8,046,922▼ $107,118,666
Net Assets / Fund Balance
Total Net Assets Fund Balance$17,611,588$188,692,138▲ $171,080,550
Total Liabilities and Net Assets / Fund Balance$132,777,176$196,739,060▲ $63,961,884

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$4,429,200$81,444-
Other Land Buildings$295,659$524,396-
Land$2,313,247--
Equipment$530,592$449,958-
Leasehold Improvements$340,897$94,666-
Other Assets Org$587,100--
Other Securities$13,020,972--
Compensation and Service Providers
Top Officer Pay48th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Malcolm Rene--$211,615$9,600$221,215
Malcolm ReneCEOFT$211,615-$211,615
Daniel CaldwellCFOFT$124,024-$124,024
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
Gina GoosbyDirector-$6,000-$6,000
John GlennDirector-$6,000-$6,000
Margaret GlassTreasurer-$6,000-$6,000
Mary WatsonParlimentarian-$6,000-$6,000
Roderick NewmanSecretary-$6,000-$6,000
Vic AyresDirector-$6,000-$6,000
Wendell GreanleafChairman-$6,000-$6,000
Gayle ReedDirector-$5,500-$5,500
Revenue and Support

Revenue Composition

Contributions and Grants
$1,230,322
Program Service Revenue
$13,339,308
Investment Income
$608,697
Other Revenue
$0
All Other Contributions
$1,230,322
Change in Net Assets
$476,235
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$9,501,035
Salaries, Compensation, and Employee Benefits$5,201,057
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$0$3,527,039$0$3,527,039
All Other Expenses$1,285,729$20,976$0$1,306,705
Office Expenses$1,160,719$0$0$1,160,719
Other Employee Benefits$0$927,221$0$927,221
Occupancy$890,762$0$0$890,762
Other Expenses$746,641$0$0$746,641
Information Technology$607,801$0$0$607,801
Depreciation Depletion$0$557,618$0$557,618
Current Officers, Directors, Trustees, and Key Employees$0$413,139$0$413,139
Advertising$353,121$0$0$353,121
Interest$320,126$0$0$320,126
Payroll Taxes$0$314,820$0$314,820
Travel$0$110,944$0$110,944
Fees for Services Accounting$0$100,950$0$100,950
Insurance$0$95,392$0$95,392
Conferences and Meetings$45,465$28,498$0$73,963
Pension Plan Contributions$0$18,838$0$18,838
Fees for Services Management$0$12,179$0$12,179
Total Functional Expenses$8,574,478$6,127,614$0$14,702,092
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
Loans from Officers, Directors, Trustees, and Key Employees$0--
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Catalyst LOC$4,700,371
Other liabilities$2,180,026
Accrued expenses$1,060,984
Share draft accounts$12,893
IRA withholdings$919
Regular shares$0
Other shares and deposits$0
Kasasa Savers$0
Negative shares$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
Plus4 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
2024-09-03
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Malcolm Renee
Formed
1929
Legal Domicile
TX
Voting Board Members
11
Independent Board Members
11
Employees
103
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 AVP 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 individual's immediate supervisor. Salary ranges are validated annually by a third party based on the organization's 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 747 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/AccountantCompileOrReviewInd0false
IRS990/AccountsPayableAccrExpnssGrp/BOYAmt0294550
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt091729
IRS990/AccountsReceivableGrp/BOYAmt01497526
IRS990/AccountsReceivableGrp/EOYAmt01457984
IRS990/ActivitiesConductedPrtshpInd0false
IRS990/ActivityOrMissionDesc0To provide banking and loan services to members in order to invest in people and improve lives.
IRS990/AdvertisingGrp/FundraisingAmt00
IRS990/AdvertisingGrp/ManagementAndGeneralAmt00
IRS990/AdvertisingGrp/ProgramServicesAmt0353121
IRS990/AdvertisingGrp/TotalAmt0353121
IRS990/AllOtherContributionsAmt01230322
IRS990/AllOtherExpensesGrp/FundraisingAmt00
IRS990/AllOtherExpensesGrp/ManagementAndGeneralAmt020976
IRS990/AllOtherExpensesGrp/ProgramServicesAmt01285729
IRS990/AllOtherExpensesGrp/TotalAmt01306705
IRS990/AnnualDisclosureCoveredPrsnInd0true
IRS990/AuditCommitteeInd0true
IRS990/BackupWthldComplianceInd0false
IRS990/BooksInCareOfDetail/PersonNm0Malcolm Renee
IRS990/BooksInCareOfDetail/PhoneNum07139706200
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt09998 Almeda Genoa
IRS990/BooksInCareOfDetail/USAddress/CityNm0Houston
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0TX
IRS990/BooksInCareOfDetail/USAddress/ZIPCd077075
IRS990/BusinessRlnWith35CtrlEntInd0false
IRS990/BusinessRlnWithFamMemInd0false
IRS990/BusinessRlnWithOrgMemInd0false
IRS990/CashNonInterestBearingGrp/BOYAmt01992875
IRS990/CashNonInterestBearingGrp/EOYAmt04860364
IRS990/ChangeToOrgDocumentsInd0false
IRS990/CollectionsOfArtInd0false
IRS990/CompCurrentOfcrDirectorsGrp/FundraisingAmt00
IRS990/CompCurrentOfcrDirectorsGrp/ManagementAndGeneralAmt0413139
IRS990/CompCurrentOfcrDirectorsGrp/ProgramServicesAmt00
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt0413139
IRS990/CompensationFromOtherSrcsInd0false
IRS990/CompensationProcessCEOInd0true
IRS990/CompensationProcessOtherInd0true
IRS990/ConferencesMeetingsGrp/FundraisingAmt00
IRS990/ConferencesMeetingsGrp/ManagementAndGeneralAmt028498
IRS990/ConferencesMeetingsGrp/ProgramServicesAmt045465
IRS990/ConferencesMeetingsGrp/TotalAmt073963
IRS990/ConflictOfInterestPolicyInd0true
IRS990/ConservationEasementsInd0false
IRS990/ConsolidatedAuditFinclStmtInd0true
IRS990/CreditCounselingInd0false
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt01230322
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt0608697
IRS990/CYOtherExpensesAmt09501035
IRS990/CYOtherRevenueAmt00
IRS990/CYProgramServiceRevenueAmt013339308
IRS990/CYRevenuesLessExpensesAmt0476235
IRS990/CYSalariesCompEmpBnftPaidAmt05201057
IRS990/CYTotalExpensesAmt014702092
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt015178327
IRS990/DecisionsSubjectToApprovaInd0false
IRS990/DeductibleArtContributionInd0false
IRS990/DeductibleNonCashContriInd0false
IRS990/DeferredRevenueGrp/BOYAmt00
IRS990/DelegationOfMgmtDutiesInd0false
IRS990/DepreciationDepletionGrp/FundraisingAmt00
IRS990/DepreciationDepletionGrp/ManagementAndGeneralAmt0557618
IRS990/DepreciationDepletionGrp/ProgramServicesAmt00
IRS990/DepreciationDepletionGrp/TotalAmt0557618
IRS990/Desc0Share Accounts: Share accounts are offered to members and pay monthly dividends. Access if offered through branch locations, internet, ATM's, and telephone. Special accounts designed for children and adolescents encourage development of consistent savings habit.
IRS990/DescribedInSection501c3Ind0false
IRS990/DisregardedEntityInd0false
IRS990/DocumentRetentionPolicyInd0true
IRS990/DonorAdvisedFundInd0false
IRS990/DonorRstrOrQuasiEndowmentsInd0false
IRS990/ElectionOfBoardMembersInd0false
IRS990/EmployeeCnt0103
IRS990/EmploymentTaxReturnsFiledInd0true
IRS990/ExpenseAmt0308597
IRS990/FamilyOrBusinessRlnInd0false
IRS990/FederalGrantAuditRequiredInd0false
IRS990/FeesForServicesAccountingGrp/FundraisingAmt00
IRS990/FeesForServicesAccountingGrp/ManagementAndGeneralAmt0100950
IRS990/FeesForServicesAccountingGrp/ProgramServicesAmt00
IRS990/FeesForServicesAccountingGrp/TotalAmt0100950
IRS990/FeesForServicesManagementGrp/FundraisingAmt00
IRS990/FeesForServicesManagementGrp/ManagementAndGeneralAmt012179
IRS990/FeesForServicesManagementGrp/ProgramServicesAmt00
IRS990/FeesForServicesManagementGrp/TotalAmt012179
IRS990/ForeignActivitiesInd0false
IRS990/ForeignFinancialAccountInd0false
IRS990/ForeignOfficeInd0false
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt040.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt140.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt21.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt31.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt41.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt51.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt61.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt71.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt81.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt91.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt101.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt111.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt121.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt131.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt141.00
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd1X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd2X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd3X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd4X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd5X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd6X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd7X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd8X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd9X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd10X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd11X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd12X
IRS990/Form990PartVIISectionAGrp/KeyEmployeeInd0X
IRS990/Form990PartVIISectionAGrp/KeyEmployeeInd1X
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt00
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt10
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt20
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt30
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt40
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt50
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt60
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt70
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt80
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt90
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt100
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt110
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt120
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt130
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt140
IRS990/Form990PartVIISectionAGrp/PersonNm0Malcolm Rene
IRS990/Form990PartVIISectionAGrp/PersonNm1Daniel Caldwell
IRS990/Form990PartVIISectionAGrp/PersonNm2Wendell Greanleaf
IRS990/Form990PartVIISectionAGrp/PersonNm3Ed Martindale
IRS990/Form990PartVIISectionAGrp/PersonNm4Roderick Newman
IRS990/Form990PartVIISectionAGrp/PersonNm5Margaret Glass
IRS990/Form990PartVIISectionAGrp/PersonNm6Mary Watson
IRS990/Form990PartVIISectionAGrp/PersonNm7Charles Charleston
IRS990/Form990PartVIISectionAGrp/PersonNm8John Glenn
IRS990/Form990PartVIISectionAGrp/PersonNm9Edward Johnson
IRS990/Form990PartVIISectionAGrp/PersonNm10Gayle Reed
IRS990/Form990PartVIISectionAGrp/PersonNm11Chuck Richard
IRS990/Form990PartVIISectionAGrp/PersonNm12Debra Pruitt
IRS990/Form990PartVIISectionAGrp/PersonNm13Gina Goosby
IRS990/Form990PartVIISectionAGrp/PersonNm14Vic Ayres
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt0211615
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt1124024
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt26000
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt36000
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt46000
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt56000
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt66000
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt76000
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt86000
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt96000
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt105500
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt116000
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt126000
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt136000
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt146000
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/TitleTxt0CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt1CFO
IRS990/Form990PartVIISectionAGrp/TitleTxt2Chairman
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
IRS990/Form990PartVIISectionAGrp/TitleTxt14Director
IRS990/Form990ProvidedToGvrnBodyInd0true
IRS990/FormationYr01929
IRS990/FormerOfcrEmployeesListedInd0false
IRS990/FSAuditedInd0true
IRS990/FundraisingActivitiesInd0false
IRS990/GamingActivitiesInd0false
IRS990/GoverningBodyVotingMembersCnt011
IRS990/GrantsPayableGrp/BOYAmt00
IRS990/GrantsToIndividualsInd0false
IRS990/GrantsToOrganizationsInd0false
IRS990/GrantToRelatedPersonInd0false
IRS990/GrossReceiptsAmt015178327
IRS990/GroupReturnForAffiliatesInd0false
IRS990/IncludeFIN48FootnoteInd0false
IRS990/IndependentAuditFinclStmtInd0false
IRS990/IndependentVotingMemberCnt011
IRS990/IndivRcvdGreaterThan100KCnt02
IRS990/IndoorTanningServicesInd0false
IRS990/InfoInScheduleOPartIIIInd0X
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InformationTechnologyGrp/FundraisingAmt00
IRS990/InformationTechnologyGrp/ManagementAndGeneralAmt00
IRS990/InformationTechnologyGrp/ProgramServicesAmt0607801
IRS990/InformationTechnologyGrp/TotalAmt0607801
IRS990/InsuranceGrp/FundraisingAmt00
IRS990/InsuranceGrp/ManagementAndGeneralAmt095392
IRS990/InsuranceGrp/ProgramServicesAmt00
IRS990/InsuranceGrp/TotalAmt095392
IRS990/InterestGrp/FundraisingAmt00
IRS990/InterestGrp/ManagementAndGeneralAmt00
IRS990/InterestGrp/ProgramServicesAmt0320126
IRS990/InterestGrp/TotalAmt0320126
IRS990/InvestmentIncomeGrp/ExclusionAmt00
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt0608697
IRS990/InvestmentIncomeGrp/UnrelatedBusinessRevenueAmt00
IRS990/InvestmentInJointVentureInd0false
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt03406351
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt023606312
IRS990/IRPDocumentCnt00
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt01150464
IRS990/LandBldgEquipBasisNetGrp/BOYAmt08281109
IRS990/LandBldgEquipBasisNetGrp/EOYAmt07909595
IRS990/LandBldgEquipCostOrOtherBssAmt09060059
IRS990/LegalDomicileStateCd0TX
IRS990/LoanOutstandingInd0true
IRS990/LoansFromOfficersDirectorsGrp/BOYAmt00
IRS990/LocalChaptersInd0false
IRS990/MaterialDiversionOrMisuseInd0false
IRS990/MembersOrStockholdersInd0false
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd0true
IRS990/MinutesOfGoverningBodyInd0true
IRS990/MissionDesc0To provide banking and loan services to members in order to invest in people and improve lives.
IRS990/MoreThan5000KToIndividualsInd0false
IRS990/MoreThan5000KToOrgInd0false
IRS990/MortgNotesPyblScrdInvstPropGrp/BOYAmt00
IRS990/NetAssetsOrFundBalancesBOYAmt017611588
IRS990/NetAssetsOrFundBalancesEOYAmt0188692138
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NondeductibleContributionsInd0false
IRS990/OccupancyGrp/FundraisingAmt00
IRS990/OccupancyGrp/ManagementAndGeneralAmt00
IRS990/OccupancyGrp/ProgramServicesAmt0890762
IRS990/OccupancyGrp/TotalAmt0890762
IRS990/OfficeExpensesGrp/FundraisingAmt00
IRS990/OfficeExpensesGrp/ManagementAndGeneralAmt00
IRS990/OfficeExpensesGrp/ProgramServicesAmt01160719
IRS990/OfficeExpensesGrp/TotalAmt01160719
IRS990/OfficerMailingAddressInd0false
IRS990/OperateHospitalInd0false
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt07809708
IRS990/OtherAssetsTotalGrp/EOYAmt07163114
IRS990/OtherEmployeeBenefitsGrp/FundraisingAmt00
IRS990/OtherEmployeeBenefitsGrp/ManagementAndGeneralAmt0927221
IRS990/OtherEmployeeBenefitsGrp/ProgramServicesAmt00
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0927221
IRS990/OtherExpensesGrp/Desc0Loan Servicing
IRS990/OtherExpensesGrp/Desc1Provision for loan losses
IRS990/OtherExpensesGrp/Desc2Debit Card Operations
IRS990/OtherExpensesGrp/Desc3Other operating expenses
IRS990/OtherExpensesGrp/FundraisingAmt00
IRS990/OtherExpensesGrp/FundraisingAmt10
IRS990/OtherExpensesGrp/FundraisingAmt20
IRS990/OtherExpensesGrp/FundraisingAmt30
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt00
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt10
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt20
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt30
IRS990/OtherExpensesGrp/ProgramServicesAmt0865743
IRS990/OtherExpensesGrp/ProgramServicesAmt11846477
IRS990/OtherExpensesGrp/ProgramServicesAmt2451894
IRS990/OtherExpensesGrp/ProgramServicesAmt3746641
IRS990/OtherExpensesGrp/TotalAmt0865743
IRS990/OtherExpensesGrp/TotalAmt11846477
IRS990/OtherExpensesGrp/TotalAmt2451894
IRS990/OtherExpensesGrp/TotalAmt3746641
IRS990/OtherLiabilitiesGrp/BOYAmt0114871038
IRS990/OtherLiabilitiesGrp/EOYAmt07955193
IRS990/OtherSalariesAndWagesGrp/FundraisingAmt00
IRS990/OtherSalariesAndWagesGrp/ManagementAndGeneralAmt03527039
IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt00
IRS990/OtherSalariesAndWagesGrp/TotalAmt03527039
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt0101703137
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0142041136
IRS990/PartialLiquidationInd0false
IRS990/PayrollTaxesGrp/FundraisingAmt00
IRS990/PayrollTaxesGrp/ManagementAndGeneralAmt0314820
IRS990/PayrollTaxesGrp/ProgramServicesAmt00
IRS990/PayrollTaxesGrp/TotalAmt0314820
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt05352924
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt018694461
IRS990/PensionPlanContributionsGrp/FundraisingAmt00
IRS990/PensionPlanContributionsGrp/ManagementAndGeneralAmt018838
IRS990/PensionPlanContributionsGrp/ProgramServicesAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt018838
IRS990/PoliticalCampaignActyInd0false
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt08086470
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt09700555
IRS990/PrincipalOfficerNm0Malcolm Renee
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/BusinessCd0522291
IRS990/ProgramServiceRevenueGrp/BusinessCd1900099
IRS990/ProgramServiceRevenueGrp/Desc0Interest on loans to members
IRS990/ProgramServiceRevenueGrp/Desc1Non-interest income
IRS990/ProgramServiceRevenueGrp/ExclusionAmt00
IRS990/ProgramServiceRevenueGrp/ExclusionAmt10
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt08046661
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt15292647
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt10
IRS990/ProgSrvcAccomActy2Grp/Desc0Checking Accounts: Checking accounts are offered to members and generally pay monthly dividends. Access if offered through branch locations, internet, ATM's, and telephone. Free debit cards are offered and on-line and mobile banking features are provided.
IRS990/ProgSrvcAccomActy2Grp/ExpenseAmt0605149
IRS990/ProgSrvcAccomActy2Grp/RevenueAmt0754115
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.
IRS990/ProgSrvcAccomActy3Grp/ExpenseAmt07660732
IRS990/ProgSrvcAccomActy3Grp/GrantAmt0485312
IRS990/ProgSrvcAccomActy3Grp/RevenueAmt07803620
IRS990/ProgSrvcAccomActyOtherGrp/Desc0Other services offered to members are mortgage loans, money orders, cashiers checks and wire transfers.
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYInvestmentIncomeAmt0112769
IRS990/PYOtherExpensesAmt05755475
IRS990/PYProgramServiceRevenueAmt09243875
IRS990/PYRevenuesLessExpensesAmt0547091
IRS990/PYSalariesCompEmpBnftPaidAmt03054078
IRS990/PYTotalExpensesAmt08809553
IRS990/PYTotalRevenueAmt09356644
IRS990/ReconcilationRevenueExpnssAmt0476235
IRS990/RegularMonitoringEnfrcInd0true
IRS990/RelatedEntityInd0true
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0true
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0true
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RevenueAmt0250631
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt012258664
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt0169997677
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/BuildingsGrp/BookValueAmt04429200
IRS990ScheduleD/BuildingsGrp/DepreciationAmt081444
IRS990ScheduleD/BuildingsGrp/InvestmentCostOrOtherBasisAmt04510644
IRS990ScheduleD/EquipmentGrp/BookValueAmt0530592
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0449958
IRS990ScheduleD/EquipmentGrp/InvestmentCostOrOtherBasisAmt0980550
IRS990ScheduleD/LandGrp/BookValueAmt02313247
IRS990ScheduleD/LandGrp/InvestmentCostOrOtherBasisAmt02313247
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt0340897
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt094666
IRS990ScheduleD/LeaseholdImprovementsGrp/InvestmentCostOrOtherBasisAmt0435563
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt06576014
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt1587100
IRS990ScheduleD/OtherAssetsOrgGrp/Desc0NCUSIF and Other Assets
IRS990ScheduleD/OtherAssetsOrgGrp/Desc1Other receivacles
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt0295659
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt0524396
IRS990ScheduleD/OtherLandBuildingsGrp/InvestmentCostOrOtherBasisAmt0820055
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt012893
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt10
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt20
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt30
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt40
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt54700371
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt6919
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt71060984
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt82180026
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0Share draft 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
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt09695000
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt1291997
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt2598343
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt313020972
IRS990ScheduleD/OtherSecuritiesGrp/Desc0Investment in banks & cu's

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2022 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$196,739,060
Liabilities
$8,046,922
Net assets
$188,692,138
Revenue
$15,178,327
Expenses
$14,702,092
Net income
$476,235
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