Civic Intelligence

Texell Credit Union

990 • Fiscal year 2012 • EIN 74-1109882

Jan 01, 2012 to Dec 31, 2012 • Filed on Aug 14, 2013

Organization ProfileWWW.TEXELL.ORG

View Organization Page

PO Box 98376503
Siviq Scores

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

Liabilities / Assets

54th percentile

0.90x

Higher debt load relative to assets than 54% of similar nonprofits.

2012 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2012

Liabilities / Revenue

Score unavailable

No value available

Liabilities-to-revenue requires both liabilities and revenue on this filing.

Source year 2012

Net Margin

Score unavailable

No value available

Net margin requires both revenue and expenses on this filing.

Source year 2012

Top Officer Pay

Score unavailable

No value available

This filing does not contain officer compensation rows.

Source year 2012

Asset Growth

99th percentile

22%

Faster asset growth than 99% of similar nonprofits.

2012 filings • 501(c)14 • $100M-$250M nonprofits • Annualized from 2011 to 2012

Revenue Growth

Score unavailable

No value available

No valid filing value is available for this score.

Balance Sheet
Liabilities / Assets54th percentile

Assets

Up

$206,198,297

Up $36,643,717 (+22%) from 2011

Net Assets

Down

$20,858,318

Down $146,834,290 (-88%) from 2011

Liabilities

Up

$185,339,979

Up $183,478,007 (+9854%) from 2011

Revenue And Expenses
Liabilities / RevenueScore unavailableNet MarginScore unavailable

Revenue

-

No earlier filing loaded for comparison.

Expenses

Up

$12,372,275

Up $1,303,454 (+12%) from 2011

Net Income

-

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth99th percentile

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

$800M$600M$400M$200M$0Assets 2011: $169,554,580Liabilities 2011: $1,861,972Net Assets 2011: $167,692,6082011Assets 2012: $206,198,297Liabilities 2012: $185,339,979Net Assets 2012: $20,858,3182012Assets 2013: $225,882,933Liabilities 2013: $201,460,768Net Assets 2013: $24,422,1652013Assets 2014: $240,244,990Liabilities 2014: $211,735,607Net Assets 2014: $28,509,3832014Assets 2015: $276,234,370Liabilities 2015: $244,457,409Net Assets 2015: $31,776,9612015Assets 2016: $310,328,613Liabilities 2016: $276,103,303Net Assets 2016: $34,225,3102016Assets 2017: $331,713,825Liabilities 2017: $295,853,098Net Assets 2017: $35,860,7272017Assets 2018: $355,023,199Liabilities 2018: $315,246,280Net Assets 2018: $39,776,9192018Assets 2019: $406,684,593Liabilities 2019: $362,652,773Net Assets 2019: $44,031,8202019Assets 2020: $471,610,622Liabilities 2020: $423,243,513Net Assets 2020: $48,367,1092020Assets 2021: $562,565,721Liabilities 2021: $507,148,846Net Assets 2021: $55,416,8752021Assets 2022: $628,710,729Liabilities 2022: $565,541,261Net Assets 2022: $63,169,4682022Assets 2023: $690,228,948Liabilities 2023: $624,442,003Net Assets 2023: $65,786,9452023Assets 2024: $751,933,225Liabilities 2024: $681,296,097Net Assets 2024: $70,637,1282024

Highlighted filing

2012

Assets$206,198,297
Liabilities$185,339,979
Net Assets$20,858,318
Open 2012 Filing

Operations Trend

Revenue GrowthScore unavailable

Revenue, expenses, and net income across loaded years, with this filing highlighted.

$80M$60M$40M$20M$0Expenses 2011: $11,068,8212011Expenses 2012: $12,372,2752012Revenue 2013: $17,114,569Expenses 2013: $13,466,086Net Income 2013: $3,648,4832013Revenue 2014: $18,419,659Expenses 2014: $14,358,334Net Income 2014: $4,061,3252014Revenue 2015: $19,430,371Expenses 2015: $16,145,893Net Income 2015: $3,284,4782015Revenue 2016: $21,082,621Expenses 2016: $18,623,926Net Income 2016: $2,458,6952016Revenue 2017: $23,855,124Expenses 2017: $22,210,434Net Income 2017: $1,644,6902017Revenue 2018: $26,531,057Expenses 2018: $22,604,269Net Income 2018: $3,926,7882018Revenue 2019: $30,045,999Expenses 2019: $25,807,980Net Income 2019: $4,238,0192019Revenue 2020: $30,180,870Expenses 2020: $25,851,228Net Income 2020: $4,329,6422020Revenue 2021: $32,645,542Expenses 2021: $25,578,034Net Income 2021: $7,067,5082021Revenue 2022: $40,918,617Expenses 2022: $33,136,008Net Income 2022: $7,782,6092022Revenue 2023: $51,325,244Expenses 2023: $46,832,206Net Income 2023: $4,493,0382023Revenue 2024: $60,245,528Expenses 2024: $55,405,368Net Income 2024: $4,840,1602024

Highlighted filing

2012

Revenue-
Expenses$12,372,275
Net Income-
Open 2012 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2012 to Dec 31, 2012
Signed
Aug 14, 2013
Return Version
2012v2.2
Gross Receipts
$16,299,427
Mission and Program Overview

Mission

Cooperative, member-owned, not-for-profit provider of finanical services to our members

Filing and Contact Details

Filer

EIN
74-1109882
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IRS990ScheduleD/Form990ScheduleDPartXIII/Explanation0THE CREDIT UNION IS EXEMPT FROM MOST FEDERAL, STATE, AND LOCAL TAXES UNDER THE PROVISIONS OF THE INTERNAL REVENUE CODE AND STATE LAWS. THE INCOME TAXES TOPIC OF THE FASB ASC CLARIFIES ACCOUNTING FOR UNCERTAINTY IN INCOME TAXES REPORTED IN THE FINANCIAL STATEMENTS. THE INTERPRETATION PROVIDES CRITERIA FOR ASSESSMENT OF INDIVIDUAL TAX POSITIONS AND A PROCESS FOR RECOGNITION AND MEASUREMENT OF UNCERTAIN TAX POSITIONS. TAX POSITIONS ARE EVALUATED ON WHETHER THEY MEET THE MORE LIKELY THAN NOT STANDARD FOR SUSTAINABILITY UPON EXAMINATION BY TAX AUTHORITIES. THE CREDIT UNION IS A STATE-CHARTERED CREDIT UNION AS DEFINED IN THE INTERNAL REVENUE CODE IRC SECTION 50414. AS SUCH, THE CREDIT UNION IS EXEMPT FROM FEDERAL TAXATION OF INCOME DERIVED FROM THE PERFORMANCE OF ACTIVITIES DIRECTLY RELATED TO ITS EXEMPT PURPOSES. HOWEVER, IRC SECTION 511 IMPOSES A TAX ON UNRELATED BUSINESS INCOME UBI DERIVED BY STATE-CHARTERED CREDIT UNIONS. BEGINNING IN MARCH 2008, THE INTERNAL REVENUE SERVICE IRS RELEASED TECHNNICAL ADVICE MEMORANDUMS TAMs TO SPECIFIC STATE-CHARTERED CREDIT UNIONS SPECIFYING THE REVENUE SOURCES SUBJECT TO UNRELATED BUSINESS INCOME TAX UBIT. UBI MAY ALSO BE SUBJECT TO TAX IN CERTAIN STATES. MANAGEMENT HAS ASSESSED THE CREDIT UNIONS ACTIVITIES AND ANY POTENTIAL FEDERAL OR STATE INCOME TAX LIABILITY AND DETERMINED THAT THE CREDIT UNION HAS NO UNCERTAIN TAX POSITIONS THAT QUALIFY FOR EITHER RECOGNITON OR DISCLOSURE IN THE FINANCIAL STATEMENTS. ADDITIONALLY, NO INTEREST AND PENALTIES HAVE BEEN RECORDED IN THE ACCOMPANYING FINANCIAL STATEMENTS RELATED TO UNCERTAIN TAX POSITIONS. CURRENTLY, THE 2010, 2009, AND 2008 FEDERAL INCOME TAX RETURNS ARE OPEN FOR EXAMINATION BY THE IRS. THE FILING YEARS OPEN FOR EXAMINATION BY THE STATE, IF APPLICABLE, MAY BE EQUAL TO, GREATER THAN OR LESS THAN THE YEARS OPEN FOR EXAMINATION BY THE IRS.
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IRS990ScheduleD/OtherLiabilities/Amount665883861
IRS990ScheduleD/OtherLiabilities/Description0Federal income taxes
IRS990ScheduleD/OtherLiabilities/Description1REGULAR AND CHECKING SHARES
IRS990ScheduleD/OtherLiabilities/Description2MONEY MARKET
IRS990ScheduleD/OtherLiabilities/Description3OD SHARES
IRS990ScheduleD/OtherLiabilities/Description4IRA SHARES
IRS990ScheduleD/OtherLiabilities/Description5IRA CERTIFICATES
IRS990ScheduleD/OtherLiabilities/Description6ORGANIZATION SHARES
IRS990ScheduleD/OtherLiabilities/Description7CERTIFICATES
IRS990ScheduleD/OtherSecurities/Description0Financial derivatives and other financial products
IRS990ScheduleD/OtherSecurities/Description1Closely-held equity interests
IRS990ScheduleD/RevenueSubtotal016299427
IRS990ScheduleD/TotalExpensesPerForm990012372275
IRS990ScheduleD/TotalOfAmounts0182326947
IRS990ScheduleD/TotalOfBookValueLandBuildings06876549
IRS990ScheduleD/TotalRevenuePerForm990016299427
IRS990ScheduleD/TotExpensesEtcAuditedFinclStmt012372275
IRS990ScheduleD/TotRevenueEtcAuditedFinclStmt016299427
IRS990ScheduleJ/EquityBasedCompArrangement0false
IRS990ScheduleJ/Form990ScheduleJPartII/BaseCompensationFilingOrg0204641
IRS990ScheduleJ/Form990ScheduleJPartII/BaseCompensationFilingOrg1108835
IRS990ScheduleJ/Form990ScheduleJPartII/BonusFilingOrg055597
IRS990ScheduleJ/Form990ScheduleJPartII/BonusFilingOrg133074
IRS990ScheduleJ/Form990ScheduleJPartII/DeferredCompFilingOrg08398
IRS990ScheduleJ/Form990ScheduleJPartII/DeferredCompFilingOrg15982
IRS990ScheduleJ/Form990ScheduleJPartII/NamePerson0HALE TONY
IRS990ScheduleJ/Form990ScheduleJPartII/NamePerson1MERRIMAN AMY
IRS990ScheduleJ/Form990ScheduleJPartII/NontaxableBenefitsFilingOrg07918
IRS990ScheduleJ/Form990ScheduleJPartII/NontaxableBenefitsFilingOrg18928
IRS990ScheduleJ/Form990ScheduleJPartII/Title0CEO
IRS990ScheduleJ/Form990ScheduleJPartII/Title1COO
IRS990ScheduleJ/Form990ScheduleJPartII/TotalCompensationFilingOrg0276554
IRS990ScheduleJ/Form990ScheduleJPartII/TotalCompensationFilingOrg1156819
IRS990/ScheduleJRequired0true
IRS990ScheduleJ/SeverancePayment0false
IRS990ScheduleJ/SupplementalNonqualRetirePlan0false
IRS990ScheduleO/GeneralExplanation/Explanation0Form 990 Part III Line 2 REMOTE DEPOSIT APPLICATION WAS ADDED DURING 2012.
IRS990ScheduleO/GeneralExplanation/Explanation1Form 990 Part VI Section A Line 6 THE ORGANIZATION HAS MEMBERS.
IRS990ScheduleO/GeneralExplanation/Explanation2Form 990 Part VI Section A Line 7A THE CREDIT UNION MEMBERSHIP MAY PARTICIPATE IN THE ELECTION OF OFFICIALS.
IRS990ScheduleO/GeneralExplanation/Explanation3Form 990 Part VI Section B Line 15AB THE REVIEW OF THE CEOS COMPENSATION IS A FUNCTION OF THE BOARD OF DIRECTORS. ANNUALLY, THE BOARD REVIEWS THE PERFORMANCE OF THE CEO AND USES AN EXECUTIVE COMPENSATION SURVEY AS A GUIDE FOR SETTING CEO COMPENSATION RELATIVE TO JOB PERFORMANCE. THE ORGANIZATION USES A THIRD PARTY TO EVALUATE AND SET APPROPRIATE PAY RANGES FOR ALL OTHER POSITIONS BASED ON REGIONAL MARKET DATA. THE BOARD APPROVES THE ENTIRE PAYROLL BUDGET.
IRS990ScheduleO/GeneralExplanation/Explanation4Form 990 Part VI Section C Line 19 DOCUMENTS ARE AVAILABLE UPON REQUEST. THE CREDIT UNIONS FINANCIAL STATEMENTS ARE AVAILABLE FOR PUBLIC VIEWING ON THE NCUA WEBSITE, VIA THE QUARTERLY 5300 FILING.
IRS990ScheduleO/GeneralExplanation/Explanation5Form 990 Part VI Section B Line 11 THE FILING IS PREPARED BY THE CPA FIRM AND REVIEWED BY THE CFO PRIOR TO FILING. SUBSEQUENT TO FILING, IT IS PROVIDED THE BOARD OF DIRECTORS.
IRS990/ScheduleORequired0true
IRS990/School0false
IRS990/SignificantChange0false
IRS990/SignificantNewProgramServices0true
IRS990/StateLegalDomicile0TX
IRS990/TaxablePartyNotification0false
IRS990/TaxExemptBonds0false
IRS990/Terminated0false
IRS990/TermOrPermanentEndowments0false
IRS990/TheBooksAreInCareOf/AddressUS/AddressLine10PO BOX 983
IRS990/TheBooksAreInCareOf/AddressUS/City0TEMPLE
IRS990/TheBooksAreInCareOf/AddressUS/State0TX
IRS990/TheBooksAreInCareOf/AddressUS/ZIPCode076503
IRS990/TheBooksAreInCareOf/NamePerson0GEORGE FERRETTI
IRS990/TheBooksAreInCareOf/TelephoneNumber02547745110
IRS990/TotalAssets/BOY0169554580
IRS990/TotalAssetsBOY0169554580

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Filings

Displayed year

2012 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$206,198,297
Liabilities
$185,339,979
Net assets
$20,858,318
Revenue
-
Expenses
$12,372,275
Net income
-
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$752$681$70.6$60.2$55.4$4.84
2023Summary only. Only limited summary data is available for this year.$690$624$65.8$51.3$46.8$4.49
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$629$566$63.2$40.9$33.1$7.78
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$563$507$55.4$32.6$25.6$7.07
2020Facts available. Structured filing facts are available, but richer extracted sections are limited.$472$423$48.4$30.2$25.9$4.33
2019Summary only. Only limited summary data is available for this year.$407$363$44.0$30.0$25.8$4.24
2018Facts available. Structured filing facts are available, but richer extracted sections are limited.$355$315$39.8$26.5$22.6$3.93
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$332$296$35.9$23.9$22.2$1.64
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$310$276$34.2$21.1$18.6$2.46
2015Detailed filing. Detailed filing data is available for this year.$276$244$31.8$19.4$16.1$3.28
2014Detailed filing. Detailed filing data is available for this year.$240$212$28.5$18.4$14.4$4.06
2013Detailed filing. Detailed filing data is available for this year.$226$201$24.4$17.1$13.5$3.65
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$206$185$20.9$12.4
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$170$1.86$168$11.1