Civic Intelligence

Fivepoint Credit Union

990 • Fiscal year 2019 • EIN 74-1109889

Jan 01, 2019 to Dec 31, 2019 • Filed on Nov 16, 2020

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

49th percentile

0.89x

Higher debt load relative to assets than 49% of similar nonprofits.

2019 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2019

Liabilities / Revenue

21st percentile

13.68x

Higher debt load relative to revenue than 21% of similar nonprofits.

2019 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2019

Net Margin

19th percentile

8.1%

Higher net margin than 19% of similar nonprofits.

2019 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2019

Top Officer Pay

84th percentile

$749,006

Higher top officer pay than 84% of similar nonprofits.

Top officer pay equals 1.7% of source-year revenue.

2019 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2019

Asset Growth

88th percentile

12%

Faster asset growth than 88% of similar nonprofits.

2019 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2018 to 2019

Revenue Growth

18th percentile

4.6%

Faster revenue growth than 18% of similar nonprofits.

2019 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2018 to 2019

Balance Sheet
Liabilities / Assets49th percentile

Assets

Up

$672,374,560

Up $71,519,144 (+12%) from 2018

Net Assets

Up

$75,040,718

Up $4,893,529 (+7.0%) from 2018

Liabilities

Up

$597,333,842

Up $66,625,615 (+13%) from 2018

Revenue And Expenses
Liabilities / Revenue21st percentileNet Margin19th percentile

Revenue

Up

$43,663,158

Up $1,929,840 (+4.6%) from 2018

Expenses

Up

$40,133,358

Up $2,138,633 (+5.6%) from 2018

Net Income

Down

$3,529,800

Down $208,793 (-5.6%) from 2018

Historical Trend

Balance Sheet Trend

Asset Growth88th 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

2019

Assets$672,374,560
Liabilities$597,333,842
Net Assets$75,040,718
Open 2019 Filing

Operations Trend

Revenue Growth18th 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

2019

Revenue$43,663,158
Expenses$40,133,358
Net Income$3,529,800
Open 2019 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2019 to Dec 31, 2019
Signed
Nov 16, 2020
Return Version
2019v5.1
Gross Receipts
$43,664,158
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$470,250,589$496,093,031▲ $25,842,442
Savings and Temporary Cash Investments$24,584,711$75,346,931▲ $50,762,220
Rtn Earn Endowment Incm Other Fnds$70,147,189$75,040,718▲ $4,893,529
Investments in Publicly Traded Securities$38,772,292$33,881,108▼ $4,891,184
Land, Buildings, and Equipment, Net$27,154,182$26,038,778▼ $1,115,404
Cash and Non-Interest-Bearing Accounts$12,483,830$12,705,931▲ $222,101
Receivables From Officers Etc$7,759,003$7,647,922▼ $111,081
Prepaid Expenses and Deferred Charges$952,621$1,023,291▲ $70,670
Intangible Assets-$193,139-
Accounts Receivable$62,836$185,303▲ $122,467
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$600,855,416$672,374,560▲ $71,519,144
Other Assets Total$18,835,352$19,259,126▲ $423,774
Liabilities
Other Liabilities$516,228,717$592,736,446▲ $76,507,729
Mortgage Notes Payable Secured by Investment Property$10,000,000--
Accounts Payable and Accrued Expenses$4,479,510$4,597,396▲ $117,886
Total Liabilities$530,708,227$597,333,842▲ $66,625,615
Net Assets / Fund Balance
Total Net Assets Fund Balance$70,147,189$75,040,718▲ $4,893,529
Total Liabilities and Net Assets / Fund Balance$600,855,416$672,374,560▲ $71,519,144

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$19,103,079$8,277,902$27,380,981
Equipment$4,322,005$13,001,268$17,323,273
Leasehold Improvements$955,018$1,096,809$2,051,827
Land$1,658,676-$1,658,676
Compensation and Service Providers
Top Officer Pay84th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Erik ShawCEOFT$362,356$386,650$749,006
Kenneth MillerExecutive Vice PresidentFT$264,808$94,305$359,113
Matt BorelFinancial AdvisorFT$238,457$22,936$261,393
Kristen BellangerSVP, OperationsFT$185,713$63,508$249,221
Jennifer WebbSVP, LendingFT$190,779$55,240$246,019
Vicki KelleySVP, Human ResourcesFT$159,758$61,950$221,708
Cathy HagnerVP Store AdministrationFT$122,647$38,317$160,964
Marla RuckerVP ItFT$101,682$53,223$154,905
Debbie SpearVP OperationsFT$138,991$9,088$148,079
Aimee SlottVP Business LendingFT$135,421$7,915$143,336
Amanda WhiteVP of Human ResourcesFT$127,281$9,256$136,537

Board Members and Trustees

NameTitle
Glenn JohnsonChairman
Joe DicksonFirst Vice Chairman
John ComeauxSecond Vice Chairman
Denny WinterBoard Member
Hilton Ferguson JrBoard Member
Jody BriggsBoard Member
Karol RussellBoard Member
Louis AnselmoBoard Member
James SaxonSecretary Treasurer
Allen SedtalSupervisory Committee
Troy RobinsonSupervisory Committee

Highest Paid Contractors

ContractorServicesLocationCompensation
Pulse EftCard Processing1301 MCKINNEY STE 600, Houston, TX 77010$1,236,722
Ncr CorporationOnline Banking Services5601 LINDERO CANYON ROAD SUITE 100, Westlake Village, CA 91362$1,233,687
Ann Lee And Associates LtdMarketing Firm1555 DUSTIN CADE DR, New Braunfels, TX 78130$1,100,018
Questmark Information MgmtStatement Processing Services9440 KIRBY, Houston, TX 77054$488,685
Allison Nathan Getz PccProperty TaxesPO BOX 2112, Beaumont, TX 77704$421,678
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$41,433,237
Investment Income
$2,179,092
Other Revenue
$50,829
Change in Net Assets
$3,529,800
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$24,033,290
Salaries, Compensation, and Employee Benefits$15,752,521
Grants and Similar Amounts Paid$347,547
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$9,976,466
Interest---$4,740,294
Depreciation Depletion---$2,350,431
Information Technology---$2,233,150
Other Employee Benefits---$2,218,714
Current Officers, Directors, Trustees, and Key Employees---$2,086,460
Office Expenses---$1,650,174
Occupancy---$1,289,230
Advertising---$1,253,206
All Other Expenses---$997,615
Other Expenses---$897,533
Payroll Taxes---$894,865
Fees for Services Other---$651,228
Pension Plan Contributions---$576,016
Fees for Services Legal---$376,198
Grants to Domestic Orgs---$335,022
Insurance---$276,169
Travel---$192,865
Payments to Affiliates---$111,330
Fees for Services Accounting---$27,898
Grants to Domestic Individuals---$12,525
Conferences and Meetings---$10,201
Total Functional Expenses$0$0$0$40,133,358
International Activity

Grant and Assistance Recipients

RecipientLocationCategoryPurposeAmount
American Cancer SocietyAustin, TX501(c)(3)Charitable Donation$203,070
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$7,759,003$7,647,922▼ $111,081
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Members Share Accounts$592,736,446
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 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
2020-11-16
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
206
Volunteers
12

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 11G

“Other professional services 651,228.”

Form 990, Part IX, Line 24E

“Debit/credit expenses 436,436. Training/development/education 330,527. Merger expenses 119,044. Loss on repos/other 83,028. Miscellaneous 28,580.”

FORM 990, PART XI, LINE 9:

“Equity acquired in merger 263,864.”

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 729 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/OtherCompensationAmt207915
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt219256
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/PersonNm8KAROL RUSSELL
IRS990/Form990PartVIISectionAGrp/PersonNm9TROY ROBINSON
IRS990/Form990PartVIISectionAGrp/PersonNm10ERIK SHAW
IRS990/Form990PartVIISectionAGrp/PersonNm11ALLEN SEDTAL
IRS990/Form990PartVIISectionAGrp/PersonNm12KENNETH MILLER
IRS990/Form990PartVIISectionAGrp/PersonNm13VICKI KELLEY
IRS990/Form990PartVIISectionAGrp/PersonNm14KRISTEN BELLANGER
IRS990/Form990PartVIISectionAGrp/PersonNm15JENNIFER WEBB
IRS990/Form990PartVIISectionAGrp/PersonNm16MATT BOREL
IRS990/Form990PartVIISectionAGrp/PersonNm17DEBBIE SPEAR
IRS990/Form990PartVIISectionAGrp/PersonNm18MARLA RUCKER
IRS990/Form990PartVIISectionAGrp/PersonNm19CATHY HAGNER
IRS990/Form990PartVIISectionAGrp/PersonNm20AIMEE SLOTT
IRS990/Form990PartVIISectionAGrp/PersonNm21AMANDA WHITE
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/ReportableCompFromOrgAmt10710071
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt110
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt12334869
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt13200339
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt14232281
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt15236347
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt16238998
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt17138991
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt18130899
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt19152829
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20135421
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt21127281
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/ReportableCompFromRltdOrgAmt210
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/TitleTxt9SUPERVISORY COMMITTEE
IRS990/Form990PartVIISectionAGrp/TitleTxt10CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt11SUPERVISORY COMMITTEE
IRS990/Form990PartVIISectionAGrp/TitleTxt12EXECUTIVE VICE PRESIDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt13SVP, HUMAN RESOURCES
IRS990/Form990PartVIISectionAGrp/TitleTxt14SVP, OPERATIONS
IRS990/Form990PartVIISectionAGrp/TitleTxt15SVP, LENDING
IRS990/Form990PartVIISectionAGrp/TitleTxt16FINANCIAL ADVISOR
IRS990/Form990PartVIISectionAGrp/TitleTxt17VP OPERATIONS
IRS990/Form990PartVIISectionAGrp/TitleTxt18VP IT
IRS990/Form990PartVIISectionAGrp/TitleTxt19VP STORE ADMINISTRATION
IRS990/Form990PartVIISectionAGrp/TitleTxt20VP BUSINESS LENDING
IRS990/Form990PartVIISectionAGrp/TitleTxt21VP OF HUMAN RESOURCES
IRS990/Form990ProvidedToGvrnBodyInd00
IRS990/Form990TFiledInd01
IRS990/FormationYr01935
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedBasisGrp/ConsolidatedBasisFinclStmtInd0X
IRS990/FSAuditedInd01
IRS990/FundraisingActivitiesInd00
IRS990/GainOrLossGrp/OtherAmt06200
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt011
IRS990/GrantsToDomesticIndividualsGrp/TotalAmt012525
IRS990/GrantsToDomesticOrgsGrp/TotalAmt0335022
IRS990/GrantsToIndividualsInd01
IRS990/GrantsToOrganizationsInd01
IRS990/GrantToRelatedPersonInd00
IRS990/GrossAmountSalesAssetsGrp/OtherAmt07200
IRS990/GrossReceiptsAmt043664158
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd01
IRS990/IndependentAuditFinclStmtInd00
IRS990/IndependentVotingMemberCnt011
IRS990/IndivRcvdGreaterThan100KCnt014
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartIXInd0X
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartXIIInd0X
IRS990/InfoInScheduleOPartXIInd0X
IRS990/InformationTechnologyGrp/TotalAmt02233150
IRS990/InsuranceGrp/TotalAmt0276169
IRS990/IntangibleAssetsGrp/EOYAmt0193139
IRS990/InterestGrp/TotalAmt04740294
IRS990/InvestmentIncomeGrp/ExclusionAmt02172892
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt02172892
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsPubTradedSecGrp/BOYAmt038772292
IRS990/InvestmentsPubTradedSecGrp/EOYAmt033881108
IRS990/IRPDocumentCnt012302
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt022375979
IRS990/LandBldgEquipBasisNetGrp/BOYAmt027154182
IRS990/LandBldgEquipBasisNetGrp/EOYAmt026038778
IRS990/LandBldgEquipCostOrOtherBssAmt048414757
IRS990/LegalDomicileStateCd0TX
IRS990/LessCostOthBasisSalesExpnssGrp/OtherAmt01000
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/BOYAmt010000000
IRS990/NetAssetsOrFundBalancesBOYAmt070147189
IRS990/NetAssetsOrFundBalancesEOYAmt075040718
IRS990/NetGainOrLossInvestmentsGrp/RelatedOrExemptFuncIncomeAmt06200
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt06200
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NetUnrlzdGainsLossesInvstAmt01099865
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt01289230
IRS990/OfficeExpensesGrp/TotalAmt01650174
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt018835352
IRS990/OtherAssetsTotalGrp/EOYAmt019259126
IRS990/OtherChangesInNetAssetsAmt0263864
IRS990/OtherEmployeeBenefitsGrp/TotalAmt02218714
IRS990/OtherExpensesGrp/Desc0ATM EXPENSE
IRS990/OtherExpensesGrp/Desc1PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/Desc2LOAN SERVICING
IRS990/OtherExpensesGrp/Desc3MAINTENANCE AND REPAIRS
IRS990/OtherExpensesGrp/TotalAmt02937234
IRS990/OtherExpensesGrp/TotalAmt12645847
IRS990/OtherExpensesGrp/TotalAmt21392687
IRS990/OtherExpensesGrp/TotalAmt3897533
IRS990/OtherLiabilitiesGrp/BOYAmt0516228717
IRS990/OtherLiabilitiesGrp/EOYAmt0592736446
IRS990/OtherRevenueMiscGrp/BusinessCd0900099
IRS990/OtherRevenueMiscGrp/BusinessCd1524298
IRS990/OtherRevenueMiscGrp/Desc0NON-MEMBER ATM FEES
IRS990/OtherRevenueMiscGrp/Desc1INSURANCE PRODUCTS
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt046907
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt13922
IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt046907
IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt13922
IRS990/OtherRevenueTotalAmt050829
IRS990/OtherSalariesAndWagesGrp/TotalAmt09976466
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt0470250589
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0496093031
IRS990/PartialLiquidationInd00
IRS990/PaymentsToAffiliatesGrp/TotalAmt0111330
IRS990/PayrollTaxesGrp/TotalAmt0894865
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt0576016
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0952621
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt01023291
IRS990/PrincipalOfficerNm0ERIK SHAW
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/Desc0LOAN RECEIVABLE
IRS990/ProgramServiceRevenueGrp/Desc1FEES, CHARGES, OTHER
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt026395657
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt115037580
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt026395657
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt115037580
IRS990/ProgSrvcAccomActy2Grp/Desc0ATM SERVICES PROVIDED TO THE MEMBERSHIP REPRESENTED $2,836,167 OF TOTAL EXPENSES.
IRS990/ProgSrvcAccomActy3Grp/Desc0HOME BANKING SERVICES PROVIDED TO THE MEMBERSHIP REPRESENTED A COST OF APPROXIMATELY $987,200 DURING THE YEAR ENDED DECEMBER 31, 2019.
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt0214756
IRS990/PYInvestmentIncomeAmt02253209
IRS990/PYOtherExpensesAmt022592604
IRS990/PYOtherRevenueAmt072158
IRS990/PYProgramServiceRevenueAmt039407951
IRS990/PYRevenuesLessExpensesAmt03738593
IRS990/PYSalariesCompEmpBnftPaidAmt015187365
IRS990/PYTotalExpensesAmt037994725
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt041733318
IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt07759003
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt07647922
IRS990/ReconcilationRevenueExpnssAmt03529800
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01

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Filings

Displayed year

2019 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$672,374,560
Liabilities
$597,333,842
Net assets
$75,040,718
Revenue
$43,663,158
Expenses
$40,133,358
Net income
$3,529,800
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