Civic Intelligence

Educators Credit Union

990 • Fiscal year 2011 • EIN 74-1129327

Jan 01, 2011 to Dec 31, 2011 • Filed on Oct 01, 2012

Organization ProfileWWW.EDCU.COM

View Organization Page

501 W State Hwy 676712
Siviq Scores

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

Liabilities / Assets

20th percentile

0.86x

Higher debt load relative to assets than 20% of similar nonprofits.

2011 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2011

Liabilities / Revenue

Score unavailable

No value available

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

Source year 2011

Net Margin

Score unavailable

No value available

Net margin requires both revenue and expenses on this filing.

Source year 2011

Top Officer Pay

Score unavailable

No value available

This filing does not contain officer compensation rows.

Source year 2011

Asset Growth

Score unavailable

No value available

No earlier valid filing was available within the previous three public years.

Source year 2011

Revenue Growth

Score unavailable

No value available

No valid filing value is available for this score.

Balance Sheet
Liabilities / Assets20th percentile

Assets

$332,195,243

No earlier filing loaded for comparison.

Net Assets

$46,067,981

No earlier filing loaded for comparison.

Liabilities

$286,127,262

No earlier filing loaded for comparison.

Revenue And Expenses
Liabilities / RevenueScore unavailableNet MarginScore unavailable

Revenue

-

No earlier filing loaded for comparison.

Expenses

$9,363,863

No earlier filing loaded for comparison.

Net Income

-

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset GrowthScore unavailable

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

$600M$400M$200M$0Assets 2011: $332,195,243Liabilities 2011: $286,127,262Net Assets 2011: $46,067,9812011Assets 2012: $341,514,524Liabilities 2012: $293,203,350Net Assets 2012: $48,311,1742012Assets 2013: $353,634,496Liabilities 2013: $300,990,882Net Assets 2013: $52,643,6142013Assets 2014: $364,033,864Liabilities 2014: $307,705,530Net Assets 2014: $56,328,3342014Assets 2015: $383,386,027Liabilities 2015: $323,953,146Net Assets 2015: $59,432,8812015Assets 2016: $390,705,690Liabilities 2016: $328,935,166Net Assets 2016: $61,770,5242016Assets 2017: $401,271,928Liabilities 2017: $336,671,460Net Assets 2017: $64,600,4682017Assets 2018: $406,585,412Liabilities 2018: $337,820,959Net Assets 2018: $68,764,4532018Assets 2019: $415,310,486Liabilities 2019: $342,073,770Net Assets 2019: $73,236,7162019Assets 2020: $466,926,206Liabilities 2020: $390,402,955Net Assets 2020: $76,523,2512020Assets 2021: $523,380,753Liabilities 2021: $443,640,651Net Assets 2021: $79,740,1022021Assets 2022: $537,751,416Liabilities 2022: $451,966,895Net Assets 2022: $85,784,5212022Assets 2023: $547,594,494Liabilities 2023: $452,537,597Net Assets 2023: $95,056,8972023Assets 2024: $549,328,667Liabilities 2024: $444,324,975Net Assets 2024: $105,003,6922024

Highlighted filing

2011

Assets$332,195,243
Liabilities$286,127,262
Net Assets$46,067,981
Open 2011 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$30M$20M$10M$0Expenses 2011: $9,363,8632011Expenses 2012: $8,355,2492012Revenue 2013: $11,885,969Expenses 2013: $7,832,756Net Income 2013: $4,053,2132013Revenue 2014: $11,441,788Expenses 2014: $7,757,075Net Income 2014: $3,684,7132014Revenue 2015: $11,101,191Expenses 2015: $7,996,643Net Income 2015: $3,104,5482015Revenue 2016: $10,620,451Expenses 2016: $8,282,808Net Income 2016: $2,337,6432016Revenue 2017: $11,225,421Expenses 2017: $8,395,477Net Income 2017: $2,829,9442017Revenue 2018: $12,675,304Expenses 2018: $8,511,319Net Income 2018: $4,163,9852018Revenue 2019: $13,980,900Expenses 2019: $9,508,637Net Income 2019: $4,472,2632019Revenue 2020: $13,003,577Expenses 2020: $9,717,042Net Income 2020: $3,286,5352020Revenue 2021: $11,564,364Expenses 2021: $8,347,515Net Income 2021: $3,216,8492021Revenue 2022: $14,604,226Expenses 2022: $8,559,807Net Income 2022: $6,044,4192022Revenue 2023: $21,701,233Expenses 2023: $12,428,857Net Income 2023: $9,272,3762023Revenue 2024: $24,524,556Expenses 2024: $14,577,761Net Income 2024: $9,946,7952024

Highlighted filing

2011

Revenue-
Expenses$9,363,863
Net Income-
Open 2011 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2011 to Dec 31, 2011
Signed
Oct 1, 2012
Return Version
2011v1.2
Gross Receipts
$13,082,653
Mission and Program Overview

Mission

Educators credit union is committed to providing sound financial services, which are beneficial to the member owner. The credit union will accomplish this in a caring and professional manner.

Filing and Contact Details

Filer

EIN
74-1129327
Raw XML AppendixShowing 400 of 402 raw XML fields

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IRS990/Description0THE LARGEST CREDIT UNION IN CENTRAL TEXAS, EDUCATORS CREDIT UNION MEETS THE FINANCIAL NEEDS OF ITS MEMBERS BY PROVIDING A WIDE VARIETY OF SERVICES AT COMPETITIVE RATES IN EIGHT CONVENIENT LOCATIONS. THE CREDIT UNION SERVES MORE THAN 36,000 MEMBERS WHO LIVE, WORK, OR ATTEND SCHOOL IN THE TEXAS COUNTIES OF MCLENNAN, BOSQUE, FALLS, HILL, CORYELL, AND LAMPASSAS.
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IRS990ScheduleI/Form990ScheduleIPartIII/AmountOfCashGrant09000
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IRS990ScheduleI/Form990ScheduleIPartIII/TypeOfGrant0SEVERAL SCHOLARSHIPS ARE AWARDED EACH YEAR TO GRADUATING SENIORS WHO ARE CREDIT UNION MEMBERS OR THE DEPENDENT OF A CREDIT UNION MEMBER. SIX SCHOLARSHIPS OF $1,500 WERE AWARDED IN THE CURRENT YEAR.
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IRS990ScheduleJ/Form990ScheduleJPartIII/Explanation0IT IS CREDIT UNION POLICY TO PAY FOR THE TRAVEL EXPENSES OF THE SPOUSE OF A DIRECTOR OR EMPLOYEE WHILE THE DIRECTOR OR EMPLOYEE IS ON A BUSINESS TRIP.
IRS990ScheduleJ/Form990ScheduleJPartIII/Explanation1JOE HUTYRA - 457B PLAN - $6996 WILLIAM PALASOTA - 457B PLAN - $5056
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IRS990ScheduleO/GeneralExplanation/Explanation0THE CREDIT UNION'S CUSTOMERS ARE CONSIDERED MEMBERS OF THE ORGANIZATION.
IRS990ScheduleO/GeneralExplanation/Explanation1THE MEMBERS MEET ANNUALLY IN MARCH TO ELECT DIRECTORS TO THE OPEN POSTIONS ON THE BOARD. A SPECIAL NOMINATING COMMITTEE SELECTS THE CANDIDATES ON WHICH THE MEMBERSHIP VOTES. CURRENY BYLAWS DO NOT ALLOW FOR NOMINATIONS FROM THE FLOOR DURING THE ANNUAL MEETING, BUT ANY MEMBER OF LEGAL AGE DESIRING NOMINATION MAY DO SO BY PRESENTING A PETITION WITH 200 SIGNATURES OF PRIMARY ACCOUNT HOLDERS TO THE NOMINATING COMMITTEE BY THE SPECIFIED DATE IN THE JANUARY NEWSLETTER.
IRS990ScheduleO/GeneralExplanation/Explanation2ANY GOVERNANCE DECISIONS REQUIRING RATIFICATION BY THE MEMBERSHIP ARE PRESENTED AT THE ANNUAL MEETING AND ARE VOTED ON BY THE MEMBERSHIP PRESENT AT THAT TIME.
IRS990ScheduleO/GeneralExplanation/Explanation3THE FORM 990 IS NOT PROVIDED TO THE BOARD OF DIRECTORS PRIOR TO ITS FILING, BUT IS AVAILABLE FOR REVIEW UPON REQUEST.
IRS990ScheduleO/GeneralExplanation/Explanation4THE PROCESS FOR DETERMINING COMPENSATION OF THE ORGANIZATION'S CEO, CFO, AND OTHER KEY EMPLOYEES INCLUDES A REVIEW AND APPROVAL BY THE BOARD OF DIRECTORS DURING A REGULARLY SCHEDULED MEETING.
IRS990ScheduleO/GeneralExplanation/Explanation5THE ORGANIZATION POSTS ITS FINANCIAL STATEMENTS AT ALL BRANCHES. THE GOVERNING DOCUMENTS AND POLICIES ARE AVAILABLE UPON REQUEST.
IRS990ScheduleO/GeneralExplanation/Explanation6PRIOR PERIOD ADJUSTMENTS: 421.
IRS990ScheduleO/GeneralExplanation/Explanation7THE PROCESS HAS NOT CHANGED FROM THE PRIOR YEAR.
IRS990ScheduleO/GeneralExplanation/Identifier0CHANGES IN NET ASSETS OR FUND BALANCES:
IRS990ScheduleO/GeneralExplanation/Identifier1OVERSIGHT/SELECTION PROCESS
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IRS990/TotalLiabilitiesEOY0286127262
IRS990/TotalLiabNetAssetsFundBalances/BOY0303393049
IRS990/TotalLiabNetAssetsFundBalances/EOY0332195243
IRS990/TotalNbrEmployees091
IRS990/TotalNbrVolunteers07
IRS990/TotalNetAssetsFundBalances/BOY042366770
IRS990/TotalNetAssetsFundBalances/EOY046067981
IRS990/TotalOtherCompensation046619
IRS990/TotalProfFundrsngExpCY00
IRS990/TotalProfFundrsngExpPriorYear00
IRS990/TotalProgramServiceExpense09363863
IRS990/TotalProgramServiceRevenue01866401
IRS990/TotalReportableCompFrmRltdOrgs00
IRS990/TotalReportableCompFromOrg0473709
IRS990/TotalRevenueCurrentYear013064653
IRS990/TotalRevenue/ExclusionAmount00
IRS990/TotalRevenuePriorYear013198165
IRS990/TotalRevenue/RelatedOrExemptFunctionIncome013008445
IRS990/TotalRevenue/TotalRevenueColumn013064653
IRS990/TotalRevenue/UnrelatedBusinessRevenue056208
IRS990/TransactionRelatedEntity00
IRS990/Travel/Total0144290
IRS990/TypeOfOrganizationCorporation0X
IRS990/UnrelatedBusinessIncome01
IRS990/UponRequest0X
IRS990/WebSite0WWW.EDCU.COM
IRS990/WhistleblowerPolicy01
IRS990/YearFormation01938
ReturnHeader/BuildTS02016-02-24 21:20:13Z
ReturnHeader/Filer/EIN0741129327
ReturnHeader/Filer/Name/BusinessNameLine10EDUCATORS CREDIT UNION
ReturnHeader/Filer/NameControl0EDUC
ReturnHeader/Filer/Phone02547767900
ReturnHeader/Filer/USAddress/AddressLine10501 W STATE HWY 6
ReturnHeader/Filer/USAddress/City0WACO
ReturnHeader/Filer/USAddress/State0TX
ReturnHeader/Filer/USAddress/ZIPCode076712
ReturnHeader/Officer/AuthorizeThirdParty01
ReturnHeader/Officer/DateSigned02012-10-01
ReturnHeader/Officer/Name0WILLIAM PALASOTA
ReturnHeader/Officer/Phone02547767900
ReturnHeader/Officer/Title0CFO
ReturnHeader/PreparerFirm/EIN0741130599
ReturnHeader/PreparerFirm/PreparerFirmBusinessName/BusinessNameLine10PATTILLO BROWN & HILL LLP
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/AddressLine10PO BOX 20725
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/City0WACO
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/State0TX
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/ZIPCode0767020725
ReturnHeader/Preparer/Name0MIKE LUCAS CPA
ReturnHeader/Preparer/Phone02547724901
ReturnHeader/ReturnType0990
ReturnHeader/TaxPeriodBeginDate02011-01-01
ReturnHeader/TaxPeriodEndDate02011-12-31

Document Assets

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Filings

Displayed year

2011 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$332,195,243
Liabilities
$286,127,262
Net assets
$46,067,981
Revenue
-
Expenses
$9,363,863
Net income
-
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$549$444$105$24.5$14.6$9.95
2023Detailed filing. Detailed filing data is available for this year.$548$453$95.1$21.7$12.4$9.27
2022Detailed filing. Detailed filing data is available for this year.$538$452$85.8$14.6$8.56$6.04
2021Detailed filing. Detailed filing data is available for this year.$523$444$79.7$11.6$8.35$3.22
2020Detailed filing. Detailed filing data is available for this year.$467$390$76.5$13.0$9.72$3.29
2019Detailed filing. Detailed filing data is available for this year.$415$342$73.2$14.0$9.51$4.47
2018Detailed filing. Detailed filing data is available for this year.$407$338$68.8$12.7$8.51$4.16
2017Detailed filing. Detailed filing data is available for this year.$401$337$64.6$11.2$8.40$2.83
2016Detailed filing. Detailed filing data is available for this year.$391$329$61.8$10.6$8.28$2.34
2015Detailed filing. Detailed filing data is available for this year.$383$324$59.4$11.1$8.00$3.10
2014Detailed filing. Detailed filing data is available for this year.$364$308$56.3$11.4$7.76$3.68
2013Detailed filing. Detailed filing data is available for this year.$354$301$52.6$11.9$7.83$4.05
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$342$293$48.3$8.36
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$332$286$46.1$9.36