Civic Intelligence

Fivepoint Credit Union

990 • Fiscal year 2018 • EIN 74-1109889

Jan 01, 2018 to Dec 31, 2018 • Filed on Nov 04, 2019

Organization ProfileWWW.FIVEPOINTCU.ORG

View Organization Page

3700 Skyline DrNederland, TX 77627-1366

(409) 726-8300

Siviq Scores

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

Liabilities / Assets

40th percentile

0.88x

Higher debt load relative to assets than 40% of similar nonprofits.

2018 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2018

Liabilities / Revenue

11th percentile

12.72x

Higher debt load relative to revenue than 11% of similar nonprofits.

2018 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2018

Net Margin

20th percentile

9.0%

Higher net margin than 20% of similar nonprofits.

2018 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2018

Top Officer Pay

66th percentile

$470,113

Higher top officer pay than 66% of similar nonprofits.

Top officer pay equals 1.1% of source-year revenue.

2018 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2018

Asset Growth

2nd percentile

-5.9%

Faster asset growth than 2% of similar nonprofits.

2018 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2017 to 2018

Revenue Growth

33rd percentile

8.3%

Faster revenue growth than 33% of similar nonprofits.

2018 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2017 to 2018

Balance Sheet
Liabilities / Assets40th percentile

Assets

Down

$600,855,416

Down $37,537,378 (-5.9%) from 2017

Net Assets

Up

$70,147,189

Up $3,295,184 (+4.9%) from 2017

Liabilities

Down

$530,708,227

Down $40,832,562 (-7.1%) from 2017

Revenue And Expenses
Liabilities / Revenue11th percentileNet Margin20th percentile

Revenue

Up

$41,733,318

Up $3,181,652 (+8.3%) from 2017

Expenses

Up

$37,994,725

Up $1,027,199 (+2.8%) from 2017

Net Income

Up

$3,738,593

Up $2,154,453 (+136%) from 2017

Historical Trend

Balance Sheet Trend

Asset Growth2nd percentile

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

$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

2018

Assets$600,855,416
Liabilities$530,708,227
Net Assets$70,147,189
Open 2018 Filing

Operations Trend

Revenue Growth33rd percentile

Revenue, expenses, and net income across loaded years, with this 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

2018

Revenue$41,733,318
Expenses$37,994,725
Net Income$3,738,593
Open 2018 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2018 to Dec 31, 2018
Signed
Nov 4, 2019
Return Version
2018v3.1
Gross Receipts
$41,745,393
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$432,120,339$470,250,589▲ $38,130,250
Rtn Earn Endowment Incm Other Fnds$66,852,005$70,147,189▲ $3,295,184
Investments in Publicly Traded Securities$24,598,627$38,772,292▲ $14,173,665
Land, Buildings, and Equipment, Net$26,898,656$27,154,182▲ $255,526
Savings and Temporary Cash Investments$118,072,531$24,584,711▼ $93,487,820
Cash and Non-Interest-Bearing Accounts$11,498,743$12,483,830▲ $985,087
Receivables From Officers Etc$7,719,309$7,759,003▲ $39,694
Prepaid Expenses and Deferred Charges$804,567$952,621▲ $148,054
Accounts Receivable$-2,391,384$62,836▲ $2,454,220
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$638,392,794$600,855,416▼ $37,537,378
Other Assets Total$19,071,406$18,835,352▼ $236,054
Liabilities
Other Liabilities$566,829,717$516,228,717▼ $50,601,000
Mortgage Notes Payable Secured by Investment Property-$10,000,000-
Accounts Payable and Accrued Expenses$4,711,072$4,479,510▼ $231,562
Total Liabilities$571,540,789$530,708,227▼ $40,832,562
Net Assets / Fund Balance
Total Net Assets Fund Balance$66,852,005$70,147,189▲ $3,295,184
Total Liabilities and Net Assets / Fund Balance$638,392,794$600,855,416▼ $37,537,378

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$19,615,144$7,590,712$27,205,856
Equipment$4,764,280$13,975,252$18,739,532
Leasehold Improvements$1,143,300$2,591,896$3,735,196
Land$1,631,458-$1,631,458
Compensation and Service Providers
Top Officer Pay66th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Erik ShawCEOFT$366,482$103,631$470,113
Kenneth MillerExecutive Vice PresidentFT$267,481$77,663$345,144
Matt BorelFinancial AdvisorFT$215,088$15,920$231,008
Kristen BellangerSVP, OperationsFT$173,613$53,883$227,496
Vicki KelleySVP, Human ResourcesFT$162,138$60,606$222,744
Jennifer WebbSVP, LendingFT$169,343$37,874$207,217
Marla RuckerVP ItFT$116,674$23,379$140,053
Cathy HagnerVP Store AdministrationFT$129,129$9,683$138,812
Glynda ManuelVP LendingFT$129,152$7,478$136,630
Debbie SpearVP OperationsFT$119,579$10,486$130,065
Aimee SlottVP Business LendingFT$117,873$7,721$125,594

Board Members and Trustees

NameTitle
Glenn JohnsonChairman
Joe DicksonFirst Vice Chairman
John ComeauxSecond Vice Chairman
Denny WinterBoard Member
Hilton Ferguson JrBoard Member
Jack ThorntonBoard Member
Jody BriggsBoard Member
Louis AnselmoBoard Member
James SaxonSecretary Treasurer

Highest Paid Contractors

ContractorServicesLocationCompensation
Pulse EftCard Processing1301 MCKINNEY STE 2500, Houston, TX 77010$1,204,426
Ncr CorporationDebit/atm Processor5601 LINDERO CANYON ROAD SUITE 100, Westlake Village, CA 91362$1,203,611
Construction Zone Of SetxContractors For Building Out Bridge CityPO BOX 192, Aubrey, TX 09974-0641$1,134,727
Ann Lee And Associates LtdMarketing Firm1555 DUSTIN CADE DR, New Braunfels, TX 53008-0979$806,449
Questmark Information MgmtStatement Processing Services9440 KIRBY, Houston, TX 78704$450,442
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$39,407,951
Investment Income
$2,253,209
Other Revenue
$72,158
Change in Net Assets
$3,738,593

Audited Revenue Reconciliation

Revenue per Audited Statements
$41,733,318
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Total Revenue per Audited Statements
$41,733,318
Total Revenue per Form 990
$41,733,318
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$22,592,604
Salaries, Compensation, and Employee Benefits$15,187,365
Grants and Similar Amounts Paid$214,756
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$9,675,842
Interest---$3,233,037
Depreciation Depletion---$2,617,219
Other Employee Benefits---$2,507,998
Information Technology---$2,150,004
Current Officers, Directors, Trustees, and Key Employees---$1,703,722
Advertising---$1,651,539
Office Expenses---$1,570,362
Occupancy---$1,296,343
All Other Expenses---$1,156,878
Payroll Taxes---$831,623
Other Expenses---$810,029
Fees for Services Other---$687,106
Pension Plan Contributions---$468,180
Fees for Services Legal---$294,804
Insurance---$273,530
Grants to Domestic Orgs---$203,246
Travel---$187,322
Payments to Affiliates---$109,266
Fees for Services Accounting---$15,224
Conferences and Meetings---$13,966
Grants to Domestic Individuals---$11,510
Total Functional Expenses$0$0$0$37,994,725

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$37,994,725
Total Expenses per Audited Statements$37,994,725
Total Expenses per Form 990$37,994,725
Expenses Not Reported on Financial Statements$0
Expenses Not Reported on Form 990$0
International Activity

Grant and Assistance Recipients

RecipientLocationCategoryPurposeAmount
American Cancer SocietyAustin, TX501(c)(3)Charitable Donation$188,246
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$7,719,309$7,759,003▲ $39,694
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Members Share Accounts$516,228,717
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 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 reviewed by erik shaw, ceo, kenneth miller, evp, and vicki kelley, svp of human resources for its accuracy.”

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

“Our compliance officer along with senior management review policies annually. We then require employees to sign they have read and understood the policies. Our internal audit department conducts audits and review to ensure compliance.”

Form 990, Part VI, Section B, Line 15

“Fivepoint utilizes a 3rd 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
3700 SKYLINE DR, NEDERLAND, TX 77627-1366

Signing Officer

Name
Kenneth Miller
Title
Executive Vice President
Phone
4097268200
Signed
2019-11-04
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Erik Shaw
Formed
1935
Legal Domicile
TX
Voting Board Members
11
Independent Board Members
11
Employees
251
Volunteers
14

Preparer

Firm
Doeren Mayhew
Address
305 WEST BIG BEAVER ROAD, TROY, MI 48084
Preparer
Robin D Hoag CPA
Phone
2482443000
Supplemental Narrative

Additional Explanations

Form 990, Part IX, Line 24E

“Debit/credit expenses 613,899. Training/development/education 389,075. Loss on repos/other 115,070. Miscellaneous 38,834.”

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, by statute (internal revenue code section 501(c)(14), from federal income tax.”

Raw XML AppendixShowing 400 of 692 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/Form990PartVIISectionAGrp/OtherCompensationAmt1723379
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt189683
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt197478
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt207721
IRS990/Form990PartVIISectionAGrp/PersonNm0GLENN JOHNSON
IRS990/Form990PartVIISectionAGrp/PersonNm1JAMES SAXON
IRS990/Form990PartVIISectionAGrp/PersonNm2JOE DICKSON
IRS990/Form990PartVIISectionAGrp/PersonNm3JOHN COMEAUX
IRS990/Form990PartVIISectionAGrp/PersonNm4LOUIS ANSELMO
IRS990/Form990PartVIISectionAGrp/PersonNm5JODY BRIGGS
IRS990/Form990PartVIISectionAGrp/PersonNm6HILTON FERGUSON JR
IRS990/Form990PartVIISectionAGrp/PersonNm7DENNY WINTER
IRS990/Form990PartVIISectionAGrp/PersonNm8JACK THORNTON
IRS990/Form990PartVIISectionAGrp/PersonNm9DENNY WINTER
IRS990/Form990PartVIISectionAGrp/PersonNm10ERIK SHAW
IRS990/Form990PartVIISectionAGrp/PersonNm11KENNETH MILLER
IRS990/Form990PartVIISectionAGrp/PersonNm12VICKI KELLEY
IRS990/Form990PartVIISectionAGrp/PersonNm13KRISTEN BELLANGER
IRS990/Form990PartVIISectionAGrp/PersonNm14JENNIFER WEBB
IRS990/Form990PartVIISectionAGrp/PersonNm15MATT BOREL
IRS990/Form990PartVIISectionAGrp/PersonNm16DEBBIE SPEAR
IRS990/Form990PartVIISectionAGrp/PersonNm17MARLA RUCKER
IRS990/Form990PartVIISectionAGrp/PersonNm18CATHY HAGNER
IRS990/Form990PartVIISectionAGrp/PersonNm19GLYNDA MANUEL
IRS990/Form990PartVIISectionAGrp/PersonNm20AIMEE SLOTT
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt90
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10435833
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt11316948
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt12197510
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt13205686
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt14195588
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt15215721
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt16119579
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt17116674
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt18129129
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt19129152
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20117873
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt90
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt100
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt110
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt120
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt130
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt140
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt150
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt160
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt170
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt180
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt190
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt200
IRS990/Form990PartVIISectionAGrp/TitleTxt0CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt1SECRETARY TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt2FIRST VICE CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt3SECOND VICE CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt4BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt5BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt6BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt7BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt8BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt9BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt10CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt11EXECUTIVE VICE PRESIDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt12SVP, HUMAN RESOURCES
IRS990/Form990PartVIISectionAGrp/TitleTxt13SVP, OPERATIONS
IRS990/Form990PartVIISectionAGrp/TitleTxt14SVP, LENDING
IRS990/Form990PartVIISectionAGrp/TitleTxt15FINANCIAL ADVISOR
IRS990/Form990PartVIISectionAGrp/TitleTxt16VP OPERATIONS
IRS990/Form990PartVIISectionAGrp/TitleTxt17VP IT
IRS990/Form990PartVIISectionAGrp/TitleTxt18VP STORE ADMINISTRATION
IRS990/Form990PartVIISectionAGrp/TitleTxt19VP LENDING
IRS990/Form990PartVIISectionAGrp/TitleTxt20VP BUSINESS LENDING
IRS990/Form990ProvidedToGvrnBodyInd00
IRS990/Form990TFiledInd01
IRS990/FormationYr01935
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedBasisGrp/ConsolidatedBasisFinclStmtInd0X
IRS990/FSAuditedInd01
IRS990/FundraisingActivitiesInd00
IRS990/GainOrLossGrp/OtherAmt048125
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt011
IRS990/GrantsToDomesticIndividualsGrp/TotalAmt011510
IRS990/GrantsToDomesticOrgsGrp/TotalAmt0203246
IRS990/GrantsToIndividualsInd01
IRS990/GrantsToOrganizationsInd01
IRS990/GrantToRelatedPersonInd00
IRS990/GrossAmountSalesAssetsGrp/OtherAmt060200
IRS990/GrossReceiptsAmt041745393
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd01
IRS990/IndependentAuditFinclStmtInd00
IRS990/IndependentVotingMemberCnt011
IRS990/IndivRcvdGreaterThan100KCnt012
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartIXInd0X
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartXIIInd0X
IRS990/InformationTechnologyGrp/TotalAmt02150004
IRS990/InsuranceGrp/TotalAmt0273530
IRS990/InterestGrp/TotalAmt03233037
IRS990/InvestmentIncomeGrp/ExclusionAmt02205084
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt02205084
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsPubTradedSecGrp/BOYAmt024598627
IRS990/InvestmentsPubTradedSecGrp/EOYAmt038772292
IRS990/IRPDocumentCnt011392
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt024157860
IRS990/LandBldgEquipBasisNetGrp/BOYAmt026898656
IRS990/LandBldgEquipBasisNetGrp/EOYAmt027154182
IRS990/LandBldgEquipCostOrOtherBssAmt051312042
IRS990/LegalDomicileStateCd0TX
IRS990/LessCostOthBasisSalesExpnssGrp/OtherAmt012075
IRS990/LoanOutstandingInd01
IRS990/LocalChaptersInd00
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0TO IMPROVE THE QUALITY OF LIFE FOR OUR MEMBERS AND THE COMMUNITY.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/MortgNotesPyblScrdInvstPropGrp/EOYAmt010000000
IRS990/NetAssetsOrFundBalancesBOYAmt066852005
IRS990/NetAssetsOrFundBalancesEOYAmt070147189
IRS990/NetGainOrLossInvestmentsGrp/RelatedOrExemptFuncIncomeAmt048125
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt048125
IRS990/NetUnrelatedBusTxblIncmAmt075257
IRS990/NetUnrlzdGainsLossesInvstAmt0-443409
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt01296343
IRS990/OfficeExpensesGrp/TotalAmt01570362
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt019071406
IRS990/OtherAssetsTotalGrp/EOYAmt018835352
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/TotalAmt02507998
IRS990/OtherExpensesGrp/Desc0ATM EXPENSE
IRS990/OtherExpensesGrp/Desc1PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/Desc2LOAN SERVICING
IRS990/OtherExpensesGrp/Desc3MAINTENANCE AND REPAIRS
IRS990/OtherExpensesGrp/TotalAmt02902947
IRS990/OtherExpensesGrp/TotalAmt12344328
IRS990/OtherExpensesGrp/TotalAmt21278700
IRS990/OtherExpensesGrp/TotalAmt3810029
IRS990/OtherLiabilitiesGrp/BOYAmt0566829717
IRS990/OtherLiabilitiesGrp/EOYAmt0516228717
IRS990/OtherRevenueMiscGrp/BusinessCd0900099
IRS990/OtherRevenueMiscGrp/BusinessCd1524298
IRS990/OtherRevenueMiscGrp/Desc0NON-MEMBER ATM FEES
IRS990/OtherRevenueMiscGrp/Desc1INSURANCE PRODUCTS
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt050358
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt121800
IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt050358
IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt121800
IRS990/OtherRevenueTotalAmt072158
IRS990/OtherSalariesAndWagesGrp/TotalAmt09675842
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt0432120339
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0470250589
IRS990/PartialLiquidationInd00
IRS990/PaymentsToAffiliatesGrp/TotalAmt0109266
IRS990/PayrollTaxesGrp/TotalAmt0831623
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt0468180
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0804567
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0952621
IRS990/PrincipalOfficerNm0ERIK SHAW
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/Desc0LOAN RECEIVABLE
IRS990/ProgramServiceRevenueGrp/Desc1FEES, CHARGES, OTHER
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt024639005
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt114768946
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt024639005
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt114768946
IRS990/ProgSrvcAccomActy2Grp/Desc0ATM SERVICES PROVIDED TO THE MEMBERSHIP REPRESENTED $2,718,615 OF TOTAL EXPENSES.
IRS990/ProgSrvcAccomActy3Grp/Desc0HOME BANKING SERVICES PROVIDED TO THE MEMBERSHIP REPRESENTED A COST OF APPROXIMATELY $1,066,000 DURING THE YEAR ENDED DECEMBER 31, 2018.
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt010000
IRS990/PYInvestmentIncomeAmt01382363
IRS990/PYOtherExpensesAmt022583682
IRS990/PYOtherRevenueAmt081194
IRS990/PYProgramServiceRevenueAmt037088109
IRS990/PYRevenuesLessExpensesAmt01584140
IRS990/PYSalariesCompEmpBnftPaidAmt014373844
IRS990/PYTotalExpensesAmt036967526
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt038551666
IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt07719309
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt07759003
IRS990/ReconcilationRevenueExpnssAmt03738593
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt066852005
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt070147189
IRS990/SavingsAndTempCashInvstGrp/BOYAmt0118072531
IRS990/SavingsAndTempCashInvstGrp/EOYAmt024584711
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt019615144
IRS990ScheduleD/BuildingsGrp/DepreciationAmt07590712
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt027205856
IRS990ScheduleD/EquipmentGrp/BookValueAmt04764280
IRS990ScheduleD/EquipmentGrp/DepreciationAmt013975252

Document Assets

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Filings

Displayed year

2018 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$600,855,416
Liabilities
$530,708,227
Net assets
$70,147,189
Revenue
$41,733,318
Expenses
$37,994,725
Net income
$3,738,593
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