Liabilities / Assets
1st percentile
Higher debt load relative to assets than 1% 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
42nd percentile
Higher net margin than 42% of similar nonprofits.
Top Officer Pay
41st percentile
Higher top officer pay than 41% of similar nonprofits.
Top officer pay equals 8.0% of source-year revenue.
Asset Growth
75th percentile
Faster asset growth than 75% of similar nonprofits.
Revenue Growth
55th percentile
Faster revenue growth than 55% of similar nonprofits.
Balance Sheet
Assets
Up$14,491,181
Up $621,724 (+4.5%) from 2016
Net Assets
Up$14,488,839
Up $648,676 (+4.7%) from 2016
Liabilities
Down$2,342
Down $26,952 (-92%) from 2016
Revenue And Expenses
Revenue
Up$860,614
Up $35,518 (+4.3%) from 2016
Expenses
Up$819,958
Up $13,004 (+1.6%) from 2016
Net Income
Up$40,656
Up $22,514 (+124%) from 2016
Historical Trend
Jump To
Filing Snapshot
- Filing Period
- Jan 1, 2017 to Dec 31, 2017
- Signed
- Oct 31, 2018
- Return Version
- 2017v2.3
- Gross Receipts
- $860,614
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 | $7,511,787 | $7,653,398 | ▲ $141,611 |
| Cap Stk Tr Prin Current Funds | $5,344,316 | $6,286,944 | ▲ $942,628 |
| Pd in Cap Srpls Land Bldg Eqp Fund | $6,617,288 | $6,282,680 | ▼ $334,608 |
| Investments Other Securities | $5,666,085 | $5,929,105 | ▲ $263,020 |
| Rtn Earn Endowment Incm Other Fnds | $1,878,559 | $1,919,215 | ▲ $40,656 |
| Cash and Non-Interest-Bearing Accounts | $285,338 | $513,523 | ▲ $228,185 |
| Land, Buildings, and Equipment, Net | $352,335 | $337,838 | ▼ $14,497 |
| Prepaid Expenses and Deferred Charges | $25,114 | $24,911 | ▼ $203 |
| Total Assets | $13,869,457 | $14,491,181 | ▲ $621,724 |
| Other Assets Total | $28,798 | $32,406 | ▲ $3,608 |
| Liabilities | |||
| Accounts Payable and Accrued Expenses | $29,294 | $2,342 | ▼ $26,952 |
| Total Liabilities | $29,294 | $2,342 | ▼ $26,952 |
| Net Assets / Fund Balance | |||
| Total Net Assets Fund Balance | $13,840,163 | $14,488,839 | ▲ $648,676 |
| Total Liabilities and Net Assets / Fund Balance | $13,869,457 | $14,491,181 | ▲ $621,724 |
Asset Categories
| Asset | Book Value | Depreciation | Basis |
|---|---|---|---|
| Buildings | $84,808 | $18,097 | - |
| Land | $224,623 | - | - |
| Equipment | $28,407 | $92,905 | - |
| Other Securities | $115,094 | - | - |
Compensation and Service Providers
Employees
| Name | Title | Full / Part Time | Other | Total |
|---|---|---|---|---|
| Marva Frazier | President/CEO | FT | $68,859 | $68,859 |
Board Members and Trustees
| Name | Title |
|---|---|
| Richard Garcia | Chair |
| Donna Burzynski | Vice Chairman |
| Christine Kelly | Director |
| George Balady | Director |
| Mark Gilham | Director |
| Tim Holtkamp | Director |
| Theresa Meyers | Sec/treas |
Revenue and Support
Revenue Composition
- Contributions and Grants
- $0
- Program Service Revenue
- $860,614
- Investment Income
- $0
- Other Revenue
- $0
- Change in Net Assets
- $40,656
Expenses and Functional Allocation
Major Expense Lines
| Line Item | Amount |
|---|---|
| Other Expenses | $470,530 |
| Salaries, Compensation, and Employee Benefits | $349,428 |
| 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 | $268,143 | - | - | $268,143 |
| All Other Expenses | $184,376 | - | - | $184,376 |
| Other Employee Benefits | $59,100 | - | - | $59,100 |
| Advertising | $30,639 | - | - | $30,639 |
| Other Expenses | $25,968 | - | - | $25,968 |
| Payroll Taxes | $22,185 | - | - | $22,185 |
| Total Functional Expenses | $819,958 | $0 | $0 | $819,958 |
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 11B
“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
- Mandy Holle President
- Title
- President
- Phone
- 2547561168
- Signed
- 2018-10-31
- Discuss with paid preparer
- Yes
Organization Details
- Principal Officer
- Mandy Holle
- Formed
- 1965
- Legal Domicile
- TX
- Voting Board Members
- 6
- Independent Board Members
- 2,001
- 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
“Loan loss provision: program service expenses 24,000. Management and general expenses 0. Fundraising expenses 0. Total expenses 24,000. Dividend expense shares: program service expenses 23,800. Management and general expenses 0. Fundraising expenses 0. Total expenses 23,800. Property taxes / personal property taxes: program service expenses 18,821. Management and general expenses 0. Fundraising expenses 0. Total expenses 18,821. Build and maint repairs: program service expenses 17,326. Management and general expenses 0. Fundraising expenses 0. Total expenses 17,326. Promo and member education: program service expenses 15,413. Management and general expenses 0. Fundraising expenses 0. Total expenses 15,413. Utilities: program service expenses 15,194. Management and general expenses 0. Fundraising expenses 0. Total expenses 15,194. Office supplies: program service expenses 14,705. Management and general expenses 0. Fundraising expenses 0. Total expenses 14,705. Ach and share draft: program service expenses 10,590. Management and general expenses 0. Fundraising expenses 0. Total expenses 10,590. Postage: program service expenses 10,221. Management and general expenses 0. Fundraising expenses 0. Total expenses 10,221. Annual meeting: program service expenses 10,069. Management and general expenses 0. Fundraising expenses 0. Total expenses 10,069. Dues: program service expenses 8,745. Management and general expenses 0. Fundraising expenses 0. Total expenses 8,745. Insurance / office operation: program service expenses 7,728. Management and general expenses 0. Fundraising expenses 0. Total expenses 7,728. Website expense: program service expenses 6,226. Management and general expenses 0. Fundraising expenses 0. Total expenses 6,226. Training and education: program service expenses 1,538. Management and general expenses 0. Fundraising expenses 0. Total expenses 1,538.”
FORM 990, PART XI, LINE 9:
“Change in capital 608,020.”
Raw XML Appendix365 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/ReportLandBuildingEquipmentInd | 0 | 1 |
| IRS990/ReportOtherAssetsInd | 0 | 0 |
| IRS990/ReportOtherLiabilitiesInd | 0 | 0 |
| IRS990/ReportProgramRelatedInvstInd | 0 | 0 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt | 0 | 1878559 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt | 0 | 1919215 |
| IRS990/ScheduleBRequiredInd | 0 | 0 |
| IRS990ScheduleD/BuildingsGrp/BookValueAmt | 0 | 84808 |
| IRS990ScheduleD/BuildingsGrp/DepreciationAmt | 0 | 18097 |
| IRS990ScheduleD/BuildingsGrp/InvestmentCostOrOtherBasisAmt | 0 | 102905 |
| IRS990ScheduleD/EquipmentGrp/BookValueAmt | 0 | 28407 |
| IRS990ScheduleD/EquipmentGrp/DepreciationAmt | 0 | 92905 |
| IRS990ScheduleD/EquipmentGrp/InvestmentCostOrOtherBasisAmt | 0 | 121312 |
| IRS990ScheduleD/LandGrp/BookValueAmt | 0 | 224623 |
| IRS990ScheduleD/LandGrp/InvestmentCostOrOtherBasisAmt | 0 | 224623 |
| IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt | 0 | 2793000 |
| IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt | 1 | 2672000 |
| IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt | 2 | 349011 |
| IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt | 3 | 115094 |
| 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 | 337838 |
| IRS990ScheduleD/TotalBookValueSecuritiesAmt | 0 | 5929105 |
| 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 | LOAN LOSS PROVISION: PROGRAM SERVICE EXPENSES 24,000. MANAGEMENT AND GENERAL EXPENSES 0. FUNDRAISING EXPENSES 0. TOTAL EXPENSES 24,000. DIVIDEND EXPENSE SHARES: PROGRAM SERVICE EXPENSES 23,800. MANAGEMENT AND GENERAL EXPENSES 0. FUNDRAISING EXPENSES 0. TOTAL EXPENSES 23,800. PROPERTY TAXES / PERSONAL PROPERTY TAXES: PROGRAM SERVICE EXPENSES 18,821. MANAGEMENT AND GENERAL EXPENSES 0. FUNDRAISING EXPENSES 0. TOTAL EXPENSES 18,821. BUILD AND MAINT REPAIRS: PROGRAM SERVICE EXPENSES 17,326. MANAGEMENT AND GENERAL EXPENSES 0. FUNDRAISING EXPENSES 0. TOTAL EXPENSES 17,326. PROMO AND MEMBER EDUCATION: PROGRAM SERVICE EXPENSES 15,413. MANAGEMENT AND GENERAL EXPENSES 0. FUNDRAISING EXPENSES 0. TOTAL EXPENSES 15,413. UTILITIES: PROGRAM SERVICE EXPENSES 15,194. MANAGEMENT AND GENERAL EXPENSES 0. FUNDRAISING EXPENSES 0. TOTAL EXPENSES 15,194. OFFICE SUPPLIES: PROGRAM SERVICE EXPENSES 14,705. MANAGEMENT AND GENERAL EXPENSES 0. FUNDRAISING EXPENSES 0. TOTAL EXPENSES 14,705. ACH AND SHARE DRAFT: PROGRAM SERVICE EXPENSES 10,590. MANAGEMENT AND GENERAL EXPENSES 0. FUNDRAISING EXPENSES 0. TOTAL EXPENSES 10,590. POSTAGE: PROGRAM SERVICE EXPENSES 10,221. MANAGEMENT AND GENERAL EXPENSES 0. FUNDRAISING EXPENSES 0. TOTAL EXPENSES 10,221. ANNUAL MEETING: PROGRAM SERVICE EXPENSES 10,069. MANAGEMENT AND GENERAL EXPENSES 0. FUNDRAISING EXPENSES 0. TOTAL EXPENSES 10,069. DUES: PROGRAM SERVICE EXPENSES 8,745. MANAGEMENT AND GENERAL EXPENSES 0. FUNDRAISING EXPENSES 0. TOTAL EXPENSES 8,745. INSURANCE / OFFICE OPERATION: PROGRAM SERVICE EXPENSES 7,728. MANAGEMENT AND GENERAL EXPENSES 0. FUNDRAISING EXPENSES 0. TOTAL EXPENSES 7,728. WEBSITE EXPENSE: PROGRAM SERVICE EXPENSES 6,226. MANAGEMENT AND GENERAL EXPENSES 0. FUNDRAISING EXPENSES 0. TOTAL EXPENSES 6,226. TRAINING AND EDUCATION: PROGRAM SERVICE EXPENSES 1,538. MANAGEMENT AND GENERAL EXPENSES 0. FUNDRAISING EXPENSES 0. TOTAL EXPENSES 1,538. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 4 | CHANGE IN CAPITAL 608,020. |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 0 | FORM 990, PART VI, SECTION B, LINE 11B |
| 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 | 13869457 |
| IRS990/TotalAssetsEOYAmt | 0 | 14491181 |
| IRS990/TotalAssetsGrp/BOYAmt | 0 | 13869457 |
| IRS990/TotalAssetsGrp/EOYAmt | 0 | 14491181 |
| IRS990/TotalCompGreaterThan150KInd | 0 | 0 |
| IRS990/TotalEmployeeCnt | 0 | 0 |
| IRS990/TotalFunctionalExpensesGrp/FundraisingAmt | 0 | 0 |
| IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt | 0 | 0 |
| IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt | 0 | 819958 |
| IRS990/TotalFunctionalExpensesGrp/TotalAmt | 0 | 819958 |
| IRS990/TotalGrossUBIAmt | 0 | 0 |
| IRS990/TotalLiabilitiesBOYAmt | 0 | 29294 |
| IRS990/TotalLiabilitiesEOYAmt | 0 | 2342 |
| IRS990/TotalLiabilitiesGrp/BOYAmt | 0 | 29294 |
| IRS990/TotalLiabilitiesGrp/EOYAmt | 0 | 2342 |
| IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt | 0 | 13840163 |
| IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt | 0 | 14488839 |
| IRS990/TotalOtherCompensationAmt | 0 | 0 |
| IRS990/TotalProgramServiceExpensesAmt | 0 | 819958 |
| IRS990/TotalProgramServiceRevenueAmt | 0 | 860614 |
| IRS990/TotalReportableCompFromOrgAmt | 0 | 0 |
| IRS990/TotalRevenueGrp/ExclusionAmt | 0 | 0 |
| IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 860614 |
| IRS990/TotalRevenueGrp/TotalRevenueColumnAmt | 0 | 860614 |
| IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt | 0 | 0 |
| IRS990/TotalVolunteersCnt | 0 | 0 |
| IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt | 0 | 13869457 |
| IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt | 0 | 14491181 |
| IRS990/TotReportableCompRltdOrgAmt | 0 | 68859 |
| 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 | 6 |
| IRS990/VotingMembersIndependentCnt | 0 | 2001 |
| IRS990/WebsiteAddressTxt | 0 | WWW.LINKAGECU.COM |
| IRS990/WhistleblowerPolicyInd | 0 | 0 |
| ReturnHeader/BuildTS | 0 | 2019-02-21 02:37:17Z |
| ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd | 0 | 1 |
| ReturnHeader/BusinessOfficerGrp/PersonNm | 0 | MANDY HOLLE PRESIDENT |
| ReturnHeader/BusinessOfficerGrp/PersonTitleTxt | 0 | PRESIDENT |
| ReturnHeader/BusinessOfficerGrp/PhoneNum | 0 | 2547561168 |
| ReturnHeader/BusinessOfficerGrp/SignatureDt | 0 | 2018-10-31 |
| 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/FilingSecurityInformation/AtSubmissionCreationDeviceId | 0 | 62807F9224A651F441EE1DF144502AE49AE0AF0B |
| ReturnHeader/FilingSecurityInformation/AtSubmissionFilingDeviceId | 0 | D3083D7FD2C27457B073262B8061B1D2CFD96F67 |
| ReturnHeader/FilingSecurityInformation/FilingLicenseTypeCd | 0 | P |
| ReturnHeader/FilingSecurityInformation/IPAddress/IPv4AddressTxt | 0 | 24.155.125.28 |
| ReturnHeader/FilingSecurityInformation/IPDt | 0 | 2018-10-31 |
| ReturnHeader/FilingSecurityInformation/IPTimezoneCd | 0 | CD |
| ReturnHeader/FilingSecurityInformation/IPTm | 0 | 10:27:36 |
| 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 | 2018-11-05T15:16:32-06:00 |
| ReturnHeader/ReturnTypeCd | 0 | 990 |
| ReturnHeader/TaxPeriodBeginDt | 0 | 2017-01-01 |
| ReturnHeader/TaxPeriodEndDt | 0 | 2017-12-31 |
| ReturnHeader/TaxYr | 0 | 2017 |
Document Assets
No mirrored PDF or thumbnail assets are attached yet.
Filings
Displayed year
2017 • Form 990Detailed filing. Detailed filing data is available for this year.
- Assets
- $14,491,181
- Liabilities
- $2,342
- Net assets
- $14,488,839
- Revenue
- $860,614
- Expenses
- $819,958
- Net income
- $40,656