Fellowship Credit Union

990 • Fiscal year 2011 • EIN 74-1147936

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

Organization Profile WWW.FELLOWSHIPCU.ORG

8200 Windway78239-2435

Siviq Scores

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

0.79x

Higher debt load relative to assets than 19% of similar nonprofits.

2011 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2011

No value available

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

Source year 2011

No value available

Net margin requires both revenue and expenses on this filing.

Source year 2011

No value available

This filing does not contain officer compensation rows.

Source year 2011

2.2%

Faster asset growth than 46% of similar nonprofits.

2011 filings • 501(c)14 • $10M-$25M nonprofits • Annualized from 2010 to 2011

No value available

No valid filing value is available for this score.

Balance Sheet

Liabilities / Assets19th percentile

Assets

$20,123,069

Up $431,468 (+2.2%) from 2010

Net Assets

$4,216,245

Up $59,157 (+1.4%) from 2010

Liabilities

$15,906,824

Up $372,311 (+2.4%) from 2010

Revenue And Expenses

Liabilities / RevenueScore unavailable Net MarginScore unavailable

Revenue

No earlier filing loaded for comparison.

Expenses

Down

$743,852

Down $194,649 (-21%) from 2010

Net Income

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth46th percentile

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

Highlighted filing

2011

Assets$20,123,069

Liabilities$15,906,824

Net Assets$4,216,245

Open 2011 Filing

Operations Trend

Revenue GrowthScore unavailable

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

Highlighted filing

2011

Revenue-

Expenses$743,852

Net Income-

Open 2011 Filing

Jump To

Filing Snapshot

Filing Period: Jan 1, 2011 to Dec 31, 2011
Signed: Mar 31, 2012
Return Version: 2011v1.2
Gross Receipts: $803,008

Mission and Program Overview

Mission

Credit union is a voluntary, cooperative, non-profit savings institution, incorporated under the provisions of the texas credit union act for the purpose of encouraging thrift among its members, providing credit at a fair and reasonable rate of interest and providing an opportunity to improve their economic condition. The credit union offers products and services in three primary areas: share accounts, checking accounts, and loans.

Major Activities

Activity 2: Loans: fellowship credit union has provided loans to its members since its inception in 1941. The loan products include efficient underwriting and flexible offerings at very competitive rates for automobiles, recreational vehicles, boats and motorcycles. The credit union had 672 consumer loans as of december 31, 2012 and consumer life and disability insurance is available on any of these loan types. The credit union also offers real estate and home equity loans, of which there 40 as of december 31, 2011.
Activity 3: Checking accounts: fellowship credit union offers its members a variety of checking accounts, from free accounts to those with enhanced benefits, such as monthly dividends. Additionally, the credit union extends the reach of these accounts by offering free debit cards, as well as internet account access. The credit union had 630 member checking accounts as of december 31, 2011. In december 2011, the credit union began offering free online bill payment services as an additional enhancement for its checking account members.

Filing and Contact Details

Filer

EIN: 74-1147936

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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/MissionDescription	0	PAGE 1, PART 1, LINE 1 PAGE 2, PART III, LINE 1 FELLOWSHIP CREDIT UNION IS A VOLUNTARY, COOPERATIVE, NON-PROFIT SAVINGS INSTITUTION, INCORPORATED UNDER THE PROVISIONS OF THE TEXAS CREDIT UNION ACT FOR THE PURPOSE OF ENCOURAGING THRIFT AMONG ITS MEMBERS, PROVIDING CREDIT AT A FAIR AND REASONABLE RATE OF INTEREST AND PROVIDING AN OPPORTUNITY TO IMPROVE THEIR ECONOMIC CONDITION. THE CREDIT UNION OFFERS PRODUCTS AND SERVICES IN THREE PRIMARY AREAS: SHARE ACCOUNTS, CHECKING ACCOUNTS, AND LOANS.
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IRS990ScheduleO/GeneralExplanation/Explanation	0	FORM 990, PART VI, SECTION A, LINE 6 & 7A: FELLOWSHIP CREDIT UNION IS A STATE CHARTERED CREDIT UNION COMPRISED OF OWNER/MEMBERS. THE MEMBERS HOLD ANNUAL MEETINGS AT WHICH TIME THE MEMBERS PRESENT ELECT OPEN POSITIONS FOR BOARD OF DIRECTORS. FORM 990, PART VI, SECTION B, LINE 11A: A COPY OF FORM 990 IS PROVIDED TO EACH BOARD MEMBER FOR REVIEW. AFTER REVIEW AND DISCUSSION, THE FORM IS APPROVED FOR REMITTANCE TO THE IRS. FORM 990, PART VI, SECTION B, LINE 12C: THE CREDIT UNION MONITORS THE CONFLICT OF INTEREST POLICY TO DETERMINE ANY OUTSIDE ENTITY ACTIVITY AND THE NATURE OF SUCH INTEREST. FORM 990, PART VI, SECTION B, LINE 15A & 15B: BOARD OF DIRECTORS USE THE TEXAS CREDIT UNION'S ANNUAL COMPENSATION SURVEY TO EVALUATE COMPENSATION PRACTICES IN CREDIT UNIONS AND COMPARES DATA FOR ASSISTANCE IN DETERMINING THE PRESIDENT'S COMPENSATION. THE PRESIDENT IS EXCLUDED FROM ALL REVIEW, DISCUSSION, AND APPROVAL WITH RESPECT TO THE COMPENSATION ARRANGEMENT. FORM 990, PART VI, LINE 19: THE CREDIT UNION MAKES AVAILABLE AT ITS MAIN OFFICE ITS FINANCIAL STATEMENTS AND GOVERNANCE DOCUMENTS AVAILABLE TO THE PUBLIC UPON REQUEST.
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IRS990/School	0	false
IRS990/SignificantChange	0	false
IRS990/SignificantNewProgramServices	0	false
IRS990/StateLegalDomicile	0	TX
IRS990/SubjectToProxyTax	0	false
IRS990/TaxableDistributions	0	false
IRS990/TaxablePartyNotification	0	false
IRS990/TaxExemptBonds	0	false
IRS990/Terminated	0	false
IRS990/TermOrPermanentEndowments	0	false
IRS990/TheBooksAreInCareOf/AddressUS/AddressLine1	0	8200 WINDWAY
IRS990/TheBooksAreInCareOf/AddressUS/City	0	SAN ANTONIO
IRS990/TheBooksAreInCareOf/AddressUS/State	0	TX
IRS990/TheBooksAreInCareOf/AddressUS/ZIPCode	0	78239
IRS990/TheBooksAreInCareOf/NameBusiness/BusinessNameLine1	0	FELLOWSHIP CREDIT UNION
IRS990/TheBooksAreInCareOf/TelephoneNumber	0	2105994488
IRS990/TotalAssets/BOY	0	19691601
IRS990/TotalAssetsBOY	0	19691601
IRS990/TotalAssets/EOY	0	20123069
IRS990/TotalAssetsEOY	0	20123069
IRS990/TotalCompGT150K	0	false
IRS990/TotalExpensesCurrentYear	0	743852
IRS990/TotalExpensesPriorYear	0	938501
IRS990/TotalFunctionalExpenses/Total	0	743852
IRS990/TotalFundrsngExpCurrentYear	0	0
IRS990/TotalGrossUBI	0	5142
IRS990/TotalLiabilities/BOY	0	15534513
IRS990/TotalLiabilitiesBOY	0	15534513
IRS990/TotalLiabilities/EOY	0	15906824
IRS990/TotalLiabilitiesEOY	0	15906824
IRS990/TotalLiabNetAssetsFundBalances/BOY	0	19691601
IRS990/TotalLiabNetAssetsFundBalances/EOY	0	20123069
IRS990/TotalNbrEmployees	0	6
IRS990/TotalNbrVolunteers	0	7
IRS990/TotalNetAssetsFundBalances/BOY	0	4157088
IRS990/TotalNetAssetsFundBalances/EOY	0	4216245
IRS990/TotalOtherRevenue	0	5142
IRS990/TotalProfFundrsngExpCY	0	0
IRS990/TotalProgramServiceRevenue	0	666706
IRS990/TotalReportableCompFromOrg	0	86057
IRS990/TotalRevenueCurrentYear	0	803008
IRS990/TotalRevenue/ExclusionAmount	0	131160
IRS990/TotalRevenuePriorYear	0	911737
IRS990/TotalRevenue/RelatedOrExemptFunctionIncome	0	666706
IRS990/TotalRevenue/TotalRevenueColumn	0	803008
IRS990/TotalRevenue/UnrelatedBusinessRevenue	0	5142
IRS990/TransactionRelatedEntity	0	false
IRS990/TransfersToExemptNonChrtblOrg	0	false
IRS990/TypeOfOrganizationCorporation	0	X
IRS990/UnrelatedBusinessIncome	0	true
IRS990/UponRequest	0	X
IRS990/WebSite	0	www.fellowshipcu.org
IRS990/WhistleblowerPolicy	0	true
IRS990/WrittenPolicyOrProcedure	0	false
IRS990/YearFormation	0	1941
ReturnHeader/BuildTS	0	2016-02-24 21:20:13Z
ReturnHeader/Filer/EIN	0	741147936
ReturnHeader/Filer/Name/BusinessNameLine1	0	FELLOWSHIP CREDIT UNION
ReturnHeader/Filer/NameControl	0	FELL
ReturnHeader/Filer/Phone	0	2105994488
ReturnHeader/Filer/USAddress/AddressLine1	0	8200 WINDWAY
ReturnHeader/Filer/USAddress/City	0	SAN ANTONIO
ReturnHeader/Filer/USAddress/State	0	TX
ReturnHeader/Filer/USAddress/ZIPCode	0	782392435
ReturnHeader/Officer/AuthorizeThirdParty	0	true
ReturnHeader/Officer/DateSigned	0	2012-03-31
ReturnHeader/Officer/Name	0	PAM JONES

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

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

Open filing

Assets: $20,123,069
Liabilities: $15,906,824
Net assets: $4,216,245
Revenue: -
Expenses: $743,852
Net income: -

	Balance Sheet			Operations
Year	Assets	Liabilities	Net Assets	Revenue	Expenses	Net Income
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.	$17.8	$15.1	$2.68	$0.77	$2.71	$1.94
2017Facts available. Structured filing facts are available, but richer extracted sections are limited.	$20.0	$15.4	$4.61	$0.80	$0.77	$0.03
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.	$19.4	$14.8	$4.58	$0.79	$0.71	$0.08
2015Detailed filing. Detailed filing data is available for this year.	$19.4	$14.9	$4.50	$0.76	$0.72	$0.04
2014XML pending. An XML filing is linked for this year, but detailed extraction is still pending.	$19.6	$15.2	$4.46	$0.74	$0.68	$0.07
2013Detailed filing. Detailed filing data is available for this year.	$19.7	$15.3	$4.40	$0.76	$0.71	$0.05
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.	$19.5	$15.2	$4.34		$0.67
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.	$20.1	$15.9	$4.22		$0.74
2010XML pending. An XML filing is linked for this year, but detailed extraction is still pending.	$19.7	$15.5	$4.16		$0.94