Civic Intelligence

Linkage Credit Union

EIN 74-0842652 • 501(c)14 • Waco, TX

View Organization Page

Profile

NONE

4527 SpeightWaco, TX 76711

www.linkagecu.com

Siviq Scores

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

Liabilities / Assets

1st percentile

0.00x

Higher debt load relative to assets than 1% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Source year 2024

Liabilities / Revenue

4th percentile

0.01x

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

501(c)14 • $10M-$25M nonprofits • Source year 2024

Net Margin

49th percentile

6.7%

Higher net margin than 49% of similar nonprofits.

501(c)14 • $10M-$25M 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

23rd percentile

-4.6%

Faster asset growth than 23% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Annualized from 2023 to 2024

Revenue Growth

56th percentile

10%

Faster revenue growth than 56% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets1st percentile

Assets

Down

$17,519,843

Down $836,844 (-4.6%) from 2023

Liabilities

Down

$11,221

Down $2,385 (-18%) from 2023

Net Assets

Down

$17,508,622

Down $834,459 (-4.5%) from 2023

Operations
Liabilities / Revenue4th percentileNet Margin49th percentile

Revenue

Up

$1,319,162

Up $122,822 (+10%) from 2023

Expenses

Up

$1,230,717

Up $125,583 (+11%) from 2023

Net Income

Down

$88,445

Down $2,761 (-3.0%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth23rd percentile

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

$20M$15M$10M$5.0M$0Assets 2010: $11,262,137Liabilities 2010: $9,967Net Assets 2010: $11,252,1702010Assets 2011: $11,820,328Liabilities 2011: $34,704Net Assets 2011: $11,785,6242011Assets 2012: $11,779,803Liabilities 2012: $12,398Net Assets 2012: $11,767,4052012Assets 2013: $12,466,499Liabilities 2013: $7,853Net Assets 2013: $12,458,6462013Assets 2014: $12,753,297Liabilities 2014: $10,595Net Assets 2014: $12,742,7022014Assets 2015: $13,082,884Liabilities 2015: $20,845Net Assets 2015: $13,062,0392015Assets 2016: $13,869,457Liabilities 2016: $29,294Net Assets 2016: $13,840,1632016Assets 2017: $14,491,181Liabilities 2017: $2,342Net Assets 2017: $14,488,8392017Assets 2018: $14,848,716Liabilities 2018: $11,325Net Assets 2018: $14,837,3912018Assets 2019: $14,906,575Liabilities 2019: $8,597Net Assets 2019: $14,897,9782019Assets 2020: $16,178,300Liabilities 2020: $12,427Net Assets 2020: $16,165,8732020Assets 2021: $17,593,811Liabilities 2021: $6,639Net Assets 2021: $17,587,1722021Assets 2022: $19,035,731Liabilities 2022: $14,166Net Assets 2022: $19,021,5652022Assets 2023: $18,356,687Liabilities 2023: $13,606Net Assets 2023: $18,343,0812023Assets 2024: $17,519,843Liabilities 2024: $11,221Net Assets 2024: $17,508,6222024

Highlighted filing

2024

Assets$17,519,843
Liabilities$11,221
Net Assets$17,508,622
Open 2024 Filing

Operations Trend

Revenue Growth56th percentile

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

$1.5M$1.0M$500K$0Expenses 2010: $865,9752010Expenses 2011: $754,2882011Expenses 2012: $714,0242012Revenue 2013: $691,008Expenses 2013: $660,989Net Income 2013: $30,0192013Revenue 2014: $731,015Expenses 2014: $684,698Net Income 2014: $46,3172014Revenue 2015: $783,372Expenses 2015: $729,809Net Income 2015: $53,5632015Revenue 2016: $825,096Expenses 2016: $806,954Net Income 2016: $18,1422016Revenue 2017: $860,614Expenses 2017: $819,958Net Income 2017: $40,6562017Revenue 2018: $958,173Expenses 2018: $843,109Net Income 2018: $115,0642018Revenue 2019: $1,053,082Expenses 2019: $876,940Net Income 2019: $176,1422019Revenue 2020: $1,048,304Expenses 2020: $864,702Net Income 2020: $183,6022020Revenue 2021: $1,084,222Expenses 2021: $877,544Net Income 2021: $206,6782021Revenue 2022: $1,105,764Expenses 2022: $927,618Net Income 2022: $178,1462022Revenue 2023: $1,196,340Expenses 2023: $1,105,134Net Income 2023: $91,2062023Revenue 2024: $1,319,162Expenses 2024: $1,230,717Net Income 2024: $88,4452024

Highlighted filing

2024

Revenue$1,319,162
Expenses$1,230,717
Net Income$88,445
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$17,519,843
Liabilities
$11,221
Net assets
$17,508,622
Revenue
$1,319,162
Expenses
$1,230,717
Net income
$88,445
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$17.5$0.01$17.5$1.32$1.23$0.09
2023Detailed filing. Detailed filing data is available for this year.$18.4$0.01$18.3$1.20$1.11$0.09
2022Detailed filing. Detailed filing data is available for this year.$19.0$0.01$19.0$1.11$0.93$0.18
2021Detailed filing. Detailed filing data is available for this year.$17.6$0.01$17.6$1.08$0.88$0.21
2020Detailed filing. Detailed filing data is available for this year.$16.2$0.01$16.2$1.05$0.86$0.18
2019Detailed filing. Detailed filing data is available for this year.$14.9$0.01$14.9$1.05$0.88$0.18
2018Detailed filing. Detailed filing data is available for this year.$14.8$0.01$14.8$0.96$0.84$0.12
2017Detailed filing. Detailed filing data is available for this year.$14.5$0.00$14.5$0.86$0.82$0.04
2016Detailed filing. Detailed filing data is available for this year.$13.9$0.03$13.8$0.83$0.81$0.02
2015Detailed filing. Detailed filing data is available for this year.$13.1$0.02$13.1$0.78$0.73$0.05
2014Detailed filing. Detailed filing data is available for this year.$12.8$0.01$12.7$0.73$0.68$0.05
2013Detailed filing. Detailed filing data is available for this year.$12.5$0.01$12.5$0.69$0.66$0.03
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$11.8$0.01$11.8$0.71
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$11.8$0.03$11.8$0.75
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$11.3$0.01$11.3$0.87
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Aug 18, 2025
Return Version
2024v5.2
Gross Receipts
$1,319,162
Mission and Program Overview

Mission

NONE

To provide affordable financial services to our members.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$11,113,180$10,340,855▼ $772,325
Cap Stk Tr Prin Current Funds$8,495,389$8,260,679▼ $234,710
Pd in Cap Srpls Land Bldg Eqp Fund$6,977,637$6,306,956▼ $670,681
Investments Other Securities$5,505,045$4,268,896▼ $1,236,149
Rtn Earn Endowment Incm Other Fnds$2,870,055$2,940,987▲ $70,932
Cash and Non-Interest-Bearing Accounts$662,485$1,881,736▲ $1,219,251
Land, Buildings, and Equipment, Net$1,011,505$963,705▼ $47,800
Prepaid Expenses and Deferred Charges$15,816$15,196▼ $620
Total Assets$18,356,687$17,519,843▼ $836,844
Other Assets Total$48,656$49,455▲ $799
Liabilities
Accounts Payable and Accrued Expenses$13,606$11,221▼ $2,385
Total Liabilities$13,606$11,221▼ $2,385
Net Assets / Fund Balance
Total Net Assets Fund Balance$18,343,081$17,508,622▼ $834,459
Total Liabilities and Net Assets / Fund Balance$18,356,687$17,519,843▼ $836,844

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$739,082$376,642$1,115,724
Land$224,623-$224,623
Other Securities$146,840--
Compensation and Service Providers
Top Officer PayScore unavailable

Employees

NameTitleFull / Part TimeBaseOtherTotal
Mandy Holle JohnsonPresident/CEOFT$101,479$4,696$106,175

Board Members and Trustees

NameTitle
Christine KellyChairman
Richard GarciaChairman
Shane SmithVice Chairman
George BaladyDirector
Larry TaylorDirector
Mark GilhamDirector
Paul LasaterDirector
Theresa HillSecretary/treasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$1,319,162
Investment Income
$0
Other Revenue
$0
Change in Net Assets
$88,445
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$800,877
Salaries, Compensation, and Employee Benefits$429,840
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$339,954--$339,954
Interest$127,029--$127,029
Occupancy$99,523--$99,523
Other Employee Benefits$62,754--$62,754
All Other Expenses$58,237--$58,237
Office Expenses$50,618--$50,618
Other Expenses$40,564--$40,564
Payroll Taxes$27,132--$27,132
Advertising$23,685--$23,685
Insurance$13,543--$13,543
Conferences and Meetings$6,590--$6,590
Information Technology$6,000--$6,000
Total Functional Expenses$1,230,717$0$0$1,230,717
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
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
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 Johnson
Title
President
Phone
2547541168
Signed
2025-08-18
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Mandy Holle Johnson
Formed
1965
Legal Domicile
TX
Voting Board Members
7
Independent Board Members
2,091
Employees
5
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 XI, LINE 9:

“Change in capital -922,904.”

Raw XML Appendix376 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
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IRS990/AdvertisingGrp/TotalAmt023685
IRS990/AllOtherExpensesGrp/ProgramServicesAmt058237
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IRS990/BooksInCareOfDetail/PhoneNum02547541168
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IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt80
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IRS990/Form990PartVIISectionAGrp/PersonNm2MARK GILHAM
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IRS990/Form990PartVIISectionAGrp/TitleTxt6CHAIRMAN
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IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/BusinessCd2522100
IRS990/ProgramServiceRevenueGrp/BusinessCd3522100
IRS990/ProgramServiceRevenueGrp/Desc0INTEREST ON LOANS
IRS990/ProgramServiceRevenueGrp/Desc1FEE INCOME
IRS990/ProgramServiceRevenueGrp/Desc2INVESTMENT INCOME
IRS990/ProgramServiceRevenueGrp/Desc3CREDIT CARD INCOME
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt0790437
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt1318128
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt2153200
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt357397
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt0790437
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1318128
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt2153200
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt357397
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt00
IRS990/PYOtherExpensesAmt0684646
IRS990/PYOtherRevenueAmt00
IRS990/PYProgramServiceRevenueAmt01196340
IRS990/PYRevenuesLessExpensesAmt091206
IRS990/PYSalariesCompEmpBnftPaidAmt0420488
IRS990/PYTotalExpensesAmt01105134
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt01196340
IRS990/QuidProQuoContributionsInd00
IRS990/RcvFndsToPayPrsnlBnftCntrctInd00
IRS990/ReconcilationRevenueExpnssAmt088445
IRS990/RegularMonitoringEnfrcInd00
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd01
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd00
IRS990/ReportProgramRelatedInvstInd00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt02870055
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt02940987
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt0739082
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0376642
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt01115724
IRS990ScheduleD/LandGrp/BookValueAmt0224623
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0224623
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt03476000
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt1225000
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt2421056
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt3146840
IRS990ScheduleD/OtherSecuritiesGrp/Desc0FINANCIAL NORTHEASTERB
IRS990ScheduleD/OtherSecuritiesGrp/Desc1RBC DAIN RAUSCHER
IRS990ScheduleD/OtherSecuritiesGrp/Desc2CATALYST CORP CASH MGTM
IRS990ScheduleD/OtherSecuritiesGrp/Desc3NCUA SHARE INS CAPITAL
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd0C
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd1C
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd2C
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd3C
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0963705
IRS990ScheduleD/TotalBookValueSecuritiesAmt04268896
IRS990/ScheduleJRequiredInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0REVIEWED AT MONTHLY BOARD OF DIRECTORS MEETINGS IN CONJUNCTION WITH MONTHLY BOARD REPORTS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE CEO SALARY IS DETERMINED BY THE BOARD OF DIRECTORS USING TCUL SALARY SURVEY, CUNA SALARY SURVEY, JOB PERFORMANCE AND MERIT.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2THE FINANCIAL STATEMENTS ARE POSTED IN THE LOBBY.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3CHANGE IN CAPITAL -922,904.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PART VI, SECTION B, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PART VI, SECTION B, LINE 15
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PART VI, SECTION C, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PART XI, LINE 9:
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/SubjectToExcsTaxNetInvstIncInd00
IRS990/SubjectToProxyTaxInd00
IRS990/SubjToTaxRmnrtnExPrchtPymtInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt018356687
IRS990/TotalAssetsEOYAmt017519843
IRS990/TotalAssetsGrp/BOYAmt018356687
IRS990/TotalAssetsGrp/EOYAmt017519843
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalEmployeeCnt05
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt01230717
IRS990/TotalFunctionalExpensesGrp/TotalAmt01230717
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt013606
IRS990/TotalLiabilitiesEOYAmt011221
IRS990/TotalLiabilitiesGrp/BOYAmt013606
IRS990/TotalLiabilitiesGrp/EOYAmt011221
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt018343081
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt017508622
IRS990/TotalOtherCompensationAmt04696
IRS990/TotalProgramServiceExpensesAmt01230717
IRS990/TotalProgramServiceRevenueAmt01319162
IRS990/TotalReportableCompFromOrgAmt0101479
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt01319162
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt01319162
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt00
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt018356687
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt017519843
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TypeOfOrganizationOtherInd0X
IRS990/UnrelatedBusIncmOverLimitInd01
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt04527 SPEIGHT
IRS990/USAddress/CityNm0WACO
IRS990/USAddress/StateAbbreviationCd0TX
IRS990/USAddress/ZIPCd076711
IRS990/VotingMembersGoverningBodyCnt07
IRS990/VotingMembersIndependentCnt02091
IRS990/WebsiteAddressTxt0WWW.LINKAGECU.COM
IRS990/WhistleblowerPolicyInd00
ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0MANDY HOLLE JOHNSON
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT
ReturnHeader/BusinessOfficerGrp/PhoneNum02547541168
ReturnHeader/BusinessOfficerGrp/SignatureDt02025-08-18
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0LINKAGE CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0LINK
ReturnHeader/Filer/EIN0740842652
ReturnHeader/Filer/PhoneNum02547541168
ReturnHeader/Filer/USAddress/AddressLine1Txt04527 SPEIGHT
ReturnHeader/Filer/USAddress/CityNm0WACO
ReturnHeader/Filer/USAddress/StateAbbreviationCd0TX
ReturnHeader/Filer/USAddress/ZIPCd076711
ReturnHeader/IRSResponsiblePrtyInfoCurrInd01
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0741130599
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0PATTILLO BROWN & HILL LLP
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt0P O BOX 20725
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0WACO
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0TX
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd0767020725
ReturnHeader/PreparerPersonGrp/PhoneNum02547724901
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0MIKE LUCAS CPA
ReturnHeader/ReturnTs02025-08-22T15:54:44-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02024-01-01
ReturnHeader/TaxPeriodEndDt02024-12-31
ReturnHeader/TaxYr02024

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