Liabilities / Assets
2nd percentile
Higher debt load relative to assets than 2% of similar nonprofits.
Siviq Scores
Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.
0.00x
Liabilities / Revenue
1st percentile
Higher debt load relative to revenue than 1% of similar nonprofits.
Net Margin
51st percentile
Higher net margin than 51% of similar nonprofits.
Top Officer Pay
45th percentile
Higher top officer pay than 45% of similar nonprofits.
Top officer pay equals 9.0% of source-year revenue.
Asset Growth
45th percentile
Faster asset growth than 45% of similar nonprofits.
Revenue Growth
82nd percentile
Faster revenue growth than 82% of similar nonprofits.
Balance Sheet
Assets
Up$13,082,884
Up $329,587 (+2.6%) from 2014
Net Assets
Up$13,062,039
Up $319,337 (+2.5%) from 2014
Liabilities
Up$20,845
Up $10,250 (+97%) from 2014
Revenue And Expenses
Revenue
Up$783,372
Up $52,357 (+7.2%) from 2014
Expenses
Up$729,809
Up $45,111 (+6.6%) from 2014
Net Income
Up$53,563
Up $7,246 (+16%) from 2014
Historical Trend
Jump To
Filing Snapshot
- Filing Period
- Jan 1, 2015 to Dec 31, 2015
- Signed
- Aug 17, 2016
- Return Version
- 2015v2.1
- Gross Receipts
- $783,372
Mission and Program Overview
Mission
NONE
To provide affordable financial services to our members.
Balance Sheet Detail
| Line | Beginning | End | Change |
|---|---|---|---|
| Assets | |||
| Other Notes and Loans Receivable, Net | $7,671,925 | $7,407,478 | ▼ $264,447 |
| Pd in Cap Srpls Land Bldg Eqp Fund | $5,973,947 | $6,133,086 | ▲ $159,139 |
| Cap Stk Tr Prin Current Funds | $5,022,365 | $5,068,537 | ▲ $46,172 |
| Investments Other Securities | $4,352,347 | $5,068,380 | ▲ $716,033 |
| Rtn Earn Endowment Incm Other Fnds | $1,746,390 | $1,860,416 | ▲ $114,026 |
| Land, Buildings, and Equipment, Net | $370,603 | $357,546 | ▼ $13,057 |
| Cash and Non-Interest-Bearing Accounts | $298,671 | $205,257 | ▼ $93,414 |
| Prepaid Expenses and Deferred Charges | $27,964 | $16,328 | ▼ $11,636 |
| Total Assets | $12,753,297 | $13,082,884 | ▲ $329,587 |
| Other Assets Total | $31,787 | $27,895 | ▼ $3,892 |
| Liabilities | |||
| Accounts Payable and Accrued Expenses | $10,595 | $20,845 | ▲ $10,250 |
| Total Liabilities | $10,595 | $20,845 | ▲ $10,250 |
| Net Assets / Fund Balance | |||
| Total Net Assets Fund Balance | $12,742,702 | $13,062,039 | ▲ $319,337 |
| Total Liabilities and Net Assets / Fund Balance | $12,753,297 | $13,082,884 | ▲ $329,587 |
Asset Categories
| Asset | Book Value | Depreciation | Basis |
|---|---|---|---|
| Buildings | $80,615 | $18,099 | - |
| Land | $224,623 | - | - |
| Equipment | $52,308 | $45,794 | - |
| Other Securities | $106,666 | - | - |
Compensation and Service Providers
Employees
| Name | Title | Full / Part Time | Base | Total |
|---|---|---|---|---|
| Marva Frazier | President/CEO | FT | $70,120 | $70,120 |
Board Members and Trustees
| Name | Title |
|---|---|
| George Balady | Chair |
| Mark Gilham | Vice Chairman |
| Charles Relyea | Director |
| Christine Kelly | Director |
| Donna Burzynski | Director |
| Richard Garcia | Director |
| Theresa Meyers | Sec/treas |
Revenue and Support
Revenue Composition
- Contributions and Grants
- $0
- Program Service Revenue
- $783,372
- Investment Income
- $0
- Other Revenue
- $0
- Change in Net Assets
- $53,563
Expenses and Functional Allocation
Major Expense Lines
| Line Item | Amount |
|---|---|
| Other Expenses | $389,076 |
| Salaries, Compensation, and Employee Benefits | $340,733 |
| Grants and Similar Amounts Paid | $0 |
| Professional Fundraising Fees | $0 |
| Total Fundraising Expense | $0 |
Functional Expense Allocation
| Line Item | Program | Management | Fundraising | Total |
|---|---|---|---|---|
| Other Salaries and Wages | $263,023 | - | - | $263,023 |
| All Other Expenses | $142,588 | - | - | $142,588 |
| Other Employee Benefits | $55,924 | - | - | $55,924 |
| Advertising | $30,387 | - | - | $30,387 |
| Other Expenses | $27,811 | - | - | $27,811 |
| Payroll Taxes | $21,786 | - | - | $21,786 |
| Total Functional Expenses | $729,809 | $0 | $0 | $729,809 |
Fundraising, Events, and Gaming
- Fundraising activities
- No
- Gaming activities
- No
- Professional fundraiser used
- No
Fundraising and Gaming Totals
| Line Item | Amount |
|---|---|
| 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
- 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, Section B, Line 11
“Reviewed at monthly board of directors meetings in conjunction with monthly board reports.”
Form 990, Part VI, Section B, Line 15
“The ceo salary is determined by the board of directors using tcul salary survey, cuna salary survey, job performance and merit.”
Form 990, Part VI, Section C, Line 19
“The financial statements are posted in the lobby.”
Filing and Contact Details
Filer
- Filer Name
- Linkage Credit Union
- EIN
- 74-0842652
- Phone
- 2547541168
- Address
- 4527 SPEIGHT, WACO, TX 76711
Signing Officer
- Name
- Marva Frazier President
- Title
- President
- Phone
- 2547561168
- Signed
- 2016-08-17
- Discuss with paid preparer
- Yes
Organization Details
- Principal Officer
- Marva Frazier
- Formed
- 1965
- Legal Domicile
- TX
- Voting Board Members
- 7
- Independent Board Members
- 1,898
- Employees
- 0
- Volunteers
- 0
Preparer
- Firm
- Pattillo Brown & Hill Llp
- Address
- P O BOX 20725, WACO, TX 76702-0725
- Preparer
- Mike Lucas CPA
- Phone
- 2547724901
Supplemental Narrative
Additional Explanations
Form 990, Part IX, Line 24E
“Office operating: program service expenses 24,119. Management and general expenses 0. Fundraising expenses 0. Total expenses 24,119. Office supplies: program service expenses 19,519. Management and general expenses 0. Fundraising expenses 0. Total expenses 19,519. Property taxes / personal property taxes: program service expenses 17,460. Management and general expenses 0. Fundraising expenses 0. Total expenses 17,460. Dividend expense shares: program service expenses 14,597. Management and general expenses 0. Fundraising expenses 0. Total expenses 14,597. Utilities: program service expenses 12,735. Management and general expenses 0. Fundraising expenses 0. Total expenses 12,735. Postage: program service expenses 10,918. Management and general expenses 0. Fundraising expenses 0. Total expenses 10,918. Ach and share draft: program service expenses 9,998. Management and general expenses 0. Fundraising expenses 0. Total expenses 9,998. Training and education: program service expenses 8,263. Management and general expenses 0. Fundraising expenses 0. Total expenses 8,263. Dues: program service expenses 7,884. Management and general expenses 0. Fundraising expenses 0. Total expenses 7,884. Annual meeting: program service expenses 7,310. Management and general expenses 0. Fundraising expenses 0. Total expenses 7,310. Insurance / office operation: program service expenses 6,906. Management and general expenses 0. Fundraising expenses 0. Total expenses 6,906. Promo and member education: program service expenses 6,819. Management and general expenses 0. Fundraising expenses 0. Total expenses 6,819. Website expense: program service expenses 6,060. Management and general expenses 0. Fundraising expenses 0. Total expenses 6,060. Loan loss provision: program service expenses -10,000. Management and general expenses 0. Fundraising expenses 0. Total expenses -10,000.”
FORM 990, PART XI, LINE 9:
“Change in capital 265,774.”
Raw XML Appendix357 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/ReportOtherAssetsInd | 0 | 0 |
| IRS990/ReportOtherLiabilitiesInd | 0 | 0 |
| IRS990/ReportProgramRelatedInvstInd | 0 | 0 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt | 0 | 1746390 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt | 0 | 1860416 |
| IRS990/ScheduleBRequiredInd | 0 | 0 |
| IRS990ScheduleD/BuildingsGrp/BookValueAmt | 0 | 80615 |
| IRS990ScheduleD/BuildingsGrp/DepreciationAmt | 0 | 18099 |
| IRS990ScheduleD/BuildingsGrp/InvestmentCostOrOtherBasisAmt | 0 | 98714 |
| IRS990ScheduleD/EquipmentGrp/BookValueAmt | 0 | 52308 |
| IRS990ScheduleD/EquipmentGrp/DepreciationAmt | 0 | 45794 |
| IRS990ScheduleD/EquipmentGrp/InvestmentCostOrOtherBasisAmt | 0 | 98102 |
| IRS990ScheduleD/LandGrp/BookValueAmt | 0 | 224623 |
| IRS990ScheduleD/LandGrp/InvestmentCostOrOtherBasisAmt | 0 | 224623 |
| IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt | 0 | 1807025 |
| IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt | 1 | 2426000 |
| IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt | 2 | 728689 |
| IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt | 3 | 106666 |
| IRS990ScheduleD/OtherSecuritiesGrp/Desc | 0 | FINANCIAL NORTHEASTERN |
| IRS990ScheduleD/OtherSecuritiesGrp/Desc | 1 | RBC DAIN RAUSCHER |
| IRS990ScheduleD/OtherSecuritiesGrp/Desc | 2 | CATALYST CORP CASH MANAGEMENT |
| IRS990ScheduleD/OtherSecuritiesGrp/Desc | 3 | NCUA SHARE INS CAPITAL |
| IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd | 0 | C |
| IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd | 1 | C |
| IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd | 2 | C |
| IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd | 3 | C |
| IRS990ScheduleD/TotalBookValueLandBuildingsAmt | 0 | 357546 |
| IRS990ScheduleD/TotalBookValueSecuritiesAmt | 0 | 5068380 |
| IRS990/ScheduleJRequiredInd | 0 | 0 |
| IRS990/ScheduleORequiredInd | 0 | 1 |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 0 | REVIEWED AT MONTHLY BOARD OF DIRECTORS MEETINGS IN CONJUNCTION WITH MONTHLY BOARD REPORTS. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 1 | THE CEO SALARY IS DETERMINED BY THE BOARD OF DIRECTORS USING TCUL SALARY SURVEY, CUNA SALARY SURVEY, JOB PERFORMANCE AND MERIT. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 2 | THE FINANCIAL STATEMENTS ARE POSTED IN THE LOBBY. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 3 | OFFICE OPERATING: PROGRAM SERVICE EXPENSES 24,119. MANAGEMENT AND GENERAL EXPENSES 0. FUNDRAISING EXPENSES 0. TOTAL EXPENSES 24,119. OFFICE SUPPLIES: PROGRAM SERVICE EXPENSES 19,519. MANAGEMENT AND GENERAL EXPENSES 0. FUNDRAISING EXPENSES 0. TOTAL EXPENSES 19,519. PROPERTY TAXES / PERSONAL PROPERTY TAXES: PROGRAM SERVICE EXPENSES 17,460. MANAGEMENT AND GENERAL EXPENSES 0. FUNDRAISING EXPENSES 0. TOTAL EXPENSES 17,460. DIVIDEND EXPENSE SHARES: PROGRAM SERVICE EXPENSES 14,597. MANAGEMENT AND GENERAL EXPENSES 0. FUNDRAISING EXPENSES 0. TOTAL EXPENSES 14,597. UTILITIES: PROGRAM SERVICE EXPENSES 12,735. MANAGEMENT AND GENERAL EXPENSES 0. FUNDRAISING EXPENSES 0. TOTAL EXPENSES 12,735. POSTAGE: PROGRAM SERVICE EXPENSES 10,918. MANAGEMENT AND GENERAL EXPENSES 0. FUNDRAISING EXPENSES 0. TOTAL EXPENSES 10,918. ACH AND SHARE DRAFT: PROGRAM SERVICE EXPENSES 9,998. MANAGEMENT AND GENERAL EXPENSES 0. FUNDRAISING EXPENSES 0. TOTAL EXPENSES 9,998. TRAINING AND EDUCATION: PROGRAM SERVICE EXPENSES 8,263. MANAGEMENT AND GENERAL EXPENSES 0. FUNDRAISING EXPENSES 0. TOTAL EXPENSES 8,263. DUES: PROGRAM SERVICE EXPENSES 7,884. MANAGEMENT AND GENERAL EXPENSES 0. FUNDRAISING EXPENSES 0. TOTAL EXPENSES 7,884. ANNUAL MEETING: PROGRAM SERVICE EXPENSES 7,310. MANAGEMENT AND GENERAL EXPENSES 0. FUNDRAISING EXPENSES 0. TOTAL EXPENSES 7,310. INSURANCE / OFFICE OPERATION: PROGRAM SERVICE EXPENSES 6,906. MANAGEMENT AND GENERAL EXPENSES 0. FUNDRAISING EXPENSES 0. TOTAL EXPENSES 6,906. PROMO AND MEMBER EDUCATION: PROGRAM SERVICE EXPENSES 6,819. MANAGEMENT AND GENERAL EXPENSES 0. FUNDRAISING EXPENSES 0. TOTAL EXPENSES 6,819. WEBSITE EXPENSE: PROGRAM SERVICE EXPENSES 6,060. MANAGEMENT AND GENERAL EXPENSES 0. FUNDRAISING EXPENSES 0. TOTAL EXPENSES 6,060. LOAN LOSS PROVISION: PROGRAM SERVICE EXPENSES -10,000. MANAGEMENT AND GENERAL EXPENSES 0. FUNDRAISING EXPENSES 0. TOTAL EXPENSES -10,000. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 4 | CHANGE IN CAPITAL 265,774. |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 0 | FORM 990, PART VI, SECTION B, LINE 11 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 1 | FORM 990, PART VI, SECTION B, LINE 15 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 2 | FORM 990, PART VI, SECTION C, LINE 19 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 3 | FORM 990, PART IX, LINE 24E |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 4 | FORM 990, PART XI, LINE 9: |
| IRS990/SchoolOperatingInd | 0 | 0 |
| IRS990/SignificantChangeInd | 0 | 0 |
| IRS990/SignificantNewProgramSrvcInd | 0 | 0 |
| IRS990/SubjectToProxyTaxInd | 0 | 0 |
| IRS990/TaxablePartyNotificationInd | 0 | 0 |
| IRS990/TaxExemptBondsInd | 0 | 0 |
| IRS990/TempOrPermanentEndowmentsInd | 0 | 0 |
| IRS990/TerminateOperationsInd | 0 | 0 |
| IRS990/TotalAssetsBOYAmt | 0 | 12753297 |
| IRS990/TotalAssetsEOYAmt | 0 | 13082884 |
| IRS990/TotalAssetsGrp/BOYAmt | 0 | 12753297 |
| IRS990/TotalAssetsGrp/EOYAmt | 0 | 13082884 |
| IRS990/TotalCompGreaterThan150KInd | 0 | 0 |
| IRS990/TotalEmployeeCnt | 0 | 0 |
| IRS990/TotalFunctionalExpensesGrp/FundraisingAmt | 0 | 0 |
| IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt | 0 | 0 |
| IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt | 0 | 729809 |
| IRS990/TotalFunctionalExpensesGrp/TotalAmt | 0 | 729809 |
| IRS990/TotalGrossUBIAmt | 0 | 0 |
| IRS990/TotalLiabilitiesBOYAmt | 0 | 10595 |
| IRS990/TotalLiabilitiesEOYAmt | 0 | 20845 |
| IRS990/TotalLiabilitiesGrp/BOYAmt | 0 | 10595 |
| IRS990/TotalLiabilitiesGrp/EOYAmt | 0 | 20845 |
| IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt | 0 | 12742702 |
| IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt | 0 | 13062039 |
| IRS990/TotalOtherCompensationAmt | 0 | 0 |
| IRS990/TotalProgramServiceExpensesAmt | 0 | 729809 |
| IRS990/TotalProgramServiceRevenueAmt | 0 | 783372 |
| IRS990/TotalReportableCompFromOrgAmt | 0 | 70120 |
| IRS990/TotalRevenueGrp/ExclusionAmt | 0 | 0 |
| IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 783372 |
| IRS990/TotalRevenueGrp/TotalRevenueColumnAmt | 0 | 783372 |
| IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt | 0 | 0 |
| IRS990/TotalVolunteersCnt | 0 | 0 |
| IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt | 0 | 12753297 |
| IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt | 0 | 13082884 |
| IRS990/TotReportableCompRltdOrgAmt | 0 | 0 |
| IRS990/TypeOfOrganizationOtherInd | 0 | X |
| IRS990/UnrelatedBusIncmOverLimitInd | 0 | 1 |
| IRS990/UponRequestInd | 0 | X |
| IRS990/USAddress/AddressLine1Txt | 0 | 4527 SPEIGHT |
| IRS990/USAddress/CityNm | 0 | WACO |
| IRS990/USAddress/StateAbbreviationCd | 0 | TX |
| IRS990/USAddress/ZIPCd | 0 | 76711 |
| IRS990/VotingMembersGoverningBodyCnt | 0 | 7 |
| IRS990/VotingMembersIndependentCnt | 0 | 1898 |
| IRS990/WebsiteAddressTxt | 0 | WWW.LINKAGECU.COM |
| IRS990/WhistleblowerPolicyInd | 0 | 0 |
| ReturnHeader/BuildTS | 0 | 2016-12-15 16:53:06Z |
| ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd | 0 | 1 |
| ReturnHeader/BusinessOfficerGrp/PersonNm | 0 | MARVA FRAZIER PRESIDENT |
| ReturnHeader/BusinessOfficerGrp/PersonTitleTxt | 0 | PRESIDENT |
| ReturnHeader/BusinessOfficerGrp/PhoneNum | 0 | 2547561168 |
| ReturnHeader/BusinessOfficerGrp/SignatureDt | 0 | 2016-08-17 |
| ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt | 0 | LINKAGE CREDIT UNION |
| ReturnHeader/Filer/BusinessNameControlTxt | 0 | LINK |
| ReturnHeader/Filer/EIN | 0 | 740842652 |
| ReturnHeader/Filer/PhoneNum | 0 | 2547541168 |
| ReturnHeader/Filer/USAddress/AddressLine1Txt | 0 | 4527 SPEIGHT |
| ReturnHeader/Filer/USAddress/CityNm | 0 | WACO |
| ReturnHeader/Filer/USAddress/StateAbbreviationCd | 0 | TX |
| ReturnHeader/Filer/USAddress/ZIPCd | 0 | 76711 |
| ReturnHeader/PreparerFirmGrp/PreparerFirmEIN | 0 | 741130599 |
| ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt | 0 | PATTILLO BROWN & HILL LLP |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt | 0 | P O BOX 20725 |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm | 0 | WACO |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd | 0 | TX |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd | 0 | 767020725 |
| ReturnHeader/PreparerPersonGrp/PhoneNum | 0 | 2547724901 |
| ReturnHeader/PreparerPersonGrp/PreparerPersonNm | 0 | MIKE LUCAS CPA |
| ReturnHeader/ReturnTs | 0 | 2016-09-01T09:58:29-05:00 |
| ReturnHeader/ReturnTypeCd | 0 | 990 |
| ReturnHeader/TaxPeriodBeginDt | 0 | 2015-01-01 |
| ReturnHeader/TaxPeriodEndDt | 0 | 2015-12-31 |
| ReturnHeader/TaxYr | 0 | 2015 |
Document Assets
No mirrored PDF or thumbnail assets are attached yet.
Filings
Displayed year
2015 • Form 990Detailed filing. Detailed filing data is available for this year.
- Assets
- $13,082,884
- Liabilities
- $20,845
- Net assets
- $13,062,039
- Revenue
- $783,372
- Expenses
- $729,809
- Net income
- $53,563