Civic Intelligence

Fivepoint Credit Union

EIN 74-1109889 • 501(c)14 • Nederland, TX

View Organization Page

Profile

To improve the quality of life for our members and the community.

PO Box 1366Nederland, TX 77627-1366

www.fivepointcu.org

Siviq Scores

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

Liabilities / Assets

76th percentile

0.92x

Higher debt load relative to assets than 76% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Source year 2024

Liabilities / Revenue

26th percentile

13.16x

Higher debt load relative to revenue than 26% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Source year 2024

Net Margin

23rd percentile

4.1%

Higher net margin than 23% of similar nonprofits.

501(c)14 • $250M-$1B 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

67th percentile

4.9%

Faster asset growth than 67% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Annualized from 2023 to 2024

Revenue Growth

58th percentile

17%

Faster revenue growth than 58% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets76th percentile

Assets

Up

$987,167,081

Up $46,468,374 (+4.9%) from 2023

Liabilities

Up

$907,001,377

Up $42,340,094 (+4.9%) from 2023

Net Assets

Up

$80,165,704

Up $4,128,280 (+5.4%) from 2023

Operations
Liabilities / Revenue26th percentileNet Margin23rd percentile

Revenue

Up

$68,944,661

Up $10,106,286 (+17%) from 2023

Expenses

Up

$66,115,636

Up $9,583,965 (+17%) from 2023

Net Income

Up

$2,829,025

Up $522,321 (+23%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth67th percentile

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

$1.0B$500M$0Assets 2014: $475,487,418Liabilities 2014: $419,500,521Net Assets 2014: $55,986,8972014Assets 2015: $507,188,863Liabilities 2015: $447,501,947Net Assets 2015: $59,686,9162015Assets 2016: $544,211,928Liabilities 2016: $479,350,214Net Assets 2016: $64,861,7142016Assets 2017: $638,392,794Liabilities 2017: $571,540,789Net Assets 2017: $66,852,0052017Assets 2018: $600,855,416Liabilities 2018: $530,708,227Net Assets 2018: $70,147,1892018Assets 2019: $672,374,560Liabilities 2019: $597,333,842Net Assets 2019: $75,040,7182019Assets 2020: $772,281,463Liabilities 2020: $693,718,388Net Assets 2020: $78,563,0752020Assets 2021: $833,470,409Liabilities 2021: $751,155,135Net Assets 2021: $82,315,2742021Assets 2022: $874,862,124Liabilities 2022: $800,708,884Net Assets 2022: $74,153,2402022Assets 2023: $940,698,707Liabilities 2023: $864,661,283Net Assets 2023: $76,037,4242023Assets 2024: $987,167,081Liabilities 2024: $907,001,377Net Assets 2024: $80,165,7042024

Highlighted filing

2024

Assets$987,167,081
Liabilities$907,001,377
Net Assets$80,165,704
Open 2024 Filing

Operations Trend

Revenue Growth58th percentile

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

$80M$60M$40M$20M$0Revenue 2014: $33,804,866Expenses 2014: $29,033,889Net Income 2014: $4,770,9772014Revenue 2015: $36,130,754Expenses 2015: $31,662,713Net Income 2015: $4,468,0412015Revenue 2016: $39,274,110Expenses 2016: $34,536,631Net Income 2016: $4,737,4792016Revenue 2017: $38,551,666Expenses 2017: $36,967,526Net Income 2017: $1,584,1402017Revenue 2018: $41,733,318Expenses 2018: $37,994,725Net Income 2018: $3,738,5932018Revenue 2019: $43,663,158Expenses 2019: $40,133,358Net Income 2019: $3,529,8002019Revenue 2020: $43,125,842Expenses 2020: $40,913,732Net Income 2020: $2,212,1102020Revenue 2021: $45,891,302Expenses 2021: $40,066,004Net Income 2021: $5,825,2982021Revenue 2022: $49,433,751Expenses 2022: $44,488,509Net Income 2022: $4,945,2422022Revenue 2023: $58,838,375Expenses 2023: $56,531,671Net Income 2023: $2,306,7042023Revenue 2024: $68,944,661Expenses 2024: $66,115,636Net Income 2024: $2,829,0252024

Highlighted filing

2024

Revenue$68,944,661
Expenses$66,115,636
Net Income$2,829,025
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
$987,167,081
Liabilities
$907,001,377
Net assets
$80,165,704
Revenue
$68,944,661
Expenses
$66,115,636
Net income
$2,829,025
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$987$907$80.2$68.9$66.1$2.83
2023Detailed filing. Detailed filing data is available for this year.$941$865$76.0$58.8$56.5$2.31
2022Detailed filing. Detailed filing data is available for this year.$875$801$74.2$49.4$44.5$4.95
2021Detailed filing. Detailed filing data is available for this year.$833$751$82.3$45.9$40.1$5.83
2020Detailed filing. Detailed filing data is available for this year.$772$694$78.6$43.1$40.9$2.21
2019Detailed filing. Detailed filing data is available for this year.$672$597$75.0$43.7$40.1$3.53
2018Detailed filing. Detailed filing data is available for this year.$601$531$70.1$41.7$38.0$3.74
2017Detailed filing. Detailed filing data is available for this year.$638$572$66.9$38.6$37.0$1.58
2016Detailed filing. Detailed filing data is available for this year.$544$479$64.9$39.3$34.5$4.74
2015Detailed filing. Detailed filing data is available for this year.$507$448$59.7$36.1$31.7$4.47
2014Detailed filing. Detailed filing data is available for this year.$475$420$56.0$33.8$29.0$4.77
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Nov 12, 2025
Return Version
2024v5.2
Gross Receipts
$68,944,661
Mission and Program Overview

Mission

To improve the quality of life for our members and the community.

To provide financial services to our membership with various loan and deposit products.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$730,638,525$769,734,868▲ $39,096,343
Investments in Publicly Traded Securities$86,577,114$80,309,664▼ $6,267,450
Rtn Earn Endowment Incm Other Fnds$76,037,424$80,165,704▲ $4,128,280
Savings and Temporary Cash Investments$26,648,953$35,617,074▲ $8,968,121
Land, Buildings, and Equipment, Net$30,010,695$32,568,897▲ $2,558,202
Receivables From Officers Etc$16,553,729$16,943,669▲ $389,940
Cash and Non-Interest-Bearing Accounts$13,913,189$13,555,101▼ $358,088
Prepaid Expenses and Deferred Charges$1,180,287$2,935,505▲ $1,755,218
Accounts Receivable$2,240,642$2,366,774▲ $126,132
Intangible Assets$111,817$91,487▼ $20,330
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$940,698,707$987,167,081▲ $46,468,374
Other Assets Total$32,823,756$33,044,042▲ $220,286
Liabilities
Other Liabilities$821,490,233$890,236,166▲ $68,745,933
Mortgage Notes Payable Secured by Investment Property$30,000,000--
Accounts Payable and Accrued Expenses$13,171,050$16,765,211▲ $3,594,161
Total Liabilities$864,661,283$907,001,377▲ $42,340,094
Net Assets / Fund Balance
Total Net Assets Fund Balance$76,037,424$80,165,704▲ $4,128,280
Total Liabilities and Net Assets / Fund Balance$940,698,707$987,167,081▲ $46,468,374

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$25,794,587$11,480,715$37,275,302
Equipment$4,176,887$11,945,067$16,121,954
Leasehold Improvements$965,964$2,183,756$3,149,720
Land$1,631,459-$1,631,459
Compensation and Service Providers
Top Officer PayScore unavailable

Employees

NameTitleFull / Part TimeBaseOtherTotal
Erik ShawPresident/CEOFT$423,869$148,159$572,028
Kenneth MillerExecutive Vice PresidentFT$302,226$105,041$407,267
Kristen BellangerExecutive Vice PresidentFT$265,307$95,281$360,588
Jennifer WebbExecutive Vice PresidentFT$272,615$81,689$354,304
Amanda WhiteSVP of Human ResourcesFT$246,712$91,922$338,634
Matthew BorelFinancial AdvisorFT$274,172$50,483$324,655
Christie J LummusSenior VP LendingFT$197,513$75,420$272,933
Chasidy BohananSenior VP OperationsFT$200,033$71,784$271,817
Marla RuckerVP ItFT$162,867$60,974$223,841
Helen PuckettVP AccountingFT$155,839$58,243$214,082
Carrie StrongVP of Human ResourcesFT$156,357$34,728$191,085
Karen BlumVP MarketingFT$133,459$51,819$185,278
Aimee SlottVP Business LendingFT$130,491$54,030$184,521
Ethan WorthyVP Business LendingFT$141,125$40,466$181,591
Jeremy MartinkaAvp ItFT$112,156$59,907$172,063
Staci CroakAvp Branch OperationsFT$114,112$43,467$157,579
Toni BrownAvp LendingFT$138,815$5,958$144,773
Jared ByrdBusiness AnalyticsFT$133,139$10,096$143,235
Tammy EstrelloBranch ManagerFT$122,760$6,422$129,182

Board Members and Trustees

NameTitle
Glenn JohnsonChairperson
Joe DicksonFirst Vice Chairperson
John ComeauxSecond Vice Chairperson
Denny WinterBoard Member
Hilton Ferguson JrBoard Member
Jack ThorntonBoard Member
Karol RussellBoard Member
Louis AnselmoBoard Member
James SaxonSecretary Treasurer

Highest Paid Contractors

ContractorServicesLocationCompensation
Pscu IncorporatedDebit/credit Card Processor560 CARILLON PLWY, St Petersburg, FL 33716$2,010,762
Tfd ConsultingProfessional Services/consulting11 GRAND AVENUE, Washington, NJ 07882$1,640,870
AdrenalineGeneral Contractor - Construction195 NEW HAMPSHIRE AVE STE 115, Portsmouth, NH 03801$1,619,210
The Lee GroupMarketing Firm1555 DUSTIN CADE DR, New Braunfels, TX 78130$1,536,101
NcrAtm/itm Servicing864 SPRING ST NW, Atlanta, GA 30308$1,352,379
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$65,575,513
Investment Income
$3,265,688
Other Revenue
$103,460
Change in Net Assets
$2,829,025

Audited Revenue Reconciliation

Revenue per Audited Statements
$68,944,661
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Total Revenue per Audited Statements
$68,944,661
Total Revenue per Form 990
$68,944,661
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$43,803,883
Salaries, Compensation, and Employee Benefits$22,236,753
Grants and Similar Amounts Paid$75,000
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Interest---$18,639,151
Other Salaries and Wages---$12,397,334
Information Technology---$4,252,624
Current Officers, Directors, Trustees, and Key Employees---$4,082,624
Other Employee Benefits---$3,721,537
Depreciation Depletion---$2,236,969
Advertising---$2,025,810
Occupancy---$1,804,547
Office Expenses---$1,788,909
Other Expenses---$1,142,100
Payroll Taxes---$1,132,083
Pension Plan Contributions---$903,175
All Other Expenses---$882,509
Fees for Services Other---$509,303
Fees for Services Legal---$328,030
Travel---$226,764
Insurance---$208,102
Fees for Services Accounting---$126,067
Payments to Affiliates---$106,801
Grants to Domestic Orgs---$50,000
Grants to Domestic Individuals---$25,000
Conferences and Meetings---$7,395
Total Functional Expenses$0$0$0$66,115,636

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$66,115,636
Total Expenses per Audited Statements$66,115,636
Total Expenses per Form 990$66,115,636
Expenses Not Reported on Financial Statements$0
Expenses Not Reported on Form 990$0
International Activity

Grant and Assistance Recipients

RecipientLocationCategoryPurposeAmount
American Cancer SocietyNederland, TX501(c)(3)To Support Cancer Research, Early Detection Programs, and Patient Support Services$50,000
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
Receivables from Officers, Directors, Trustees, and Key Employees$16,553,729$16,943,669▲ $389,940
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Members Share Accounts$890,236,166
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
No
Audit committee
Yes
Backup withholding compliance
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
Yes
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 6

“Every client that has an account with our credit union is also a member.”

Form 990, Part VI, Section A, Line 7A

“Our board of directors are elected by a vote of the membership. Annually, if there is an open position, the nominating committee will put forth the candidates which our members can vote on during the annual meeting.”

Form 990, Part VI, Section A, Line 7B

“Members of the credit union have the right to approve the governing body's election and removal of members of the governing body, as well as other matters that are subject to the approval of members of the credit union as they occur.”

Form 990, Part VI, Section B, Line 11B

“Form 990 is prepared by a third-party cpa firm. A draft of the return is reviewed by the ceo, senior vice president of human resources and the vp accounting for accuracy prior to filing.”

Form 990, Part VI, Section B, Line 12C

“Compliance training is performed annually. Each employee / officer signs off they have reviewed and understand the policy.”

Form 990, Part VI, Section B, Line 15

“Fivepoint utilizes a third party to provide industry standard and regional specific salary ranges for all staff.”

Form 990, Part VI, Section C, Line 19

“The credit union's governing documents and conflict of interest policy are not made available to the public. The credit union's financial statements are made available to the public upon request.”

Filing and Contact Details

Filer

Filer Name
Fivepoint Credit Union
EIN
74-1109889
Phone
4097268300
Address
PO BOX 1366, NEDERLAND, TX 77627-1366

Signing Officer

Name
Erik Shaw
Title
CEO
Phone
4097268200
Signed
2025-11-12

Organization Details

Principal Officer
Erik Shaw
Formed
1935
Legal Domicile
TX
Voting Board Members
9
Independent Board Members
9
Employees
249
Volunteers
14

Preparer

Firm
Doeren Mayhew
Address
8785 SW 165TH AVENUE SUITE 303, MIAMI, FL 33193
Preparer
Aubrey Clegg
Phone
3052328272
Supplemental Narrative

Additional Explanations

Form 990, Part IX, Line 24E

“Debit/credit expenses 427,929. Training/development/education 240,047. Miscellaneous 214,533.”

FORM 990, PART XII, LINE 2C:

“A committee exists that assumes responsibility for the oversight of the audit of the annual financial statements and the selection of an independent accountant. The process has not changed from the prior year.”

Financial Statement Notes

PART X, LINE 2:

“The credit union is exempt from most federal, state and local income taxes under the provisions of the internal revenue code (irc) and state tax laws. However, irc section 511 imposes a tax on the unrelated business income derived by state-chartered credit unions. Generally, these taxes are insignificant to the credit union.”

Raw XML AppendixShowing 400 of 903 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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