Civic Intelligence

Ee South Texas Credit Union

990 • Fiscal year 2015 • EIN 74-1190066

Jan 01, 2015 to Dec 31, 2015 • Filed on Jan 22, 2016

Organization Profile
3649 Leopard St Rm/Ste 300Corpus Christi, TX 78408

(361) 888-4610

Siviq Scores

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

Liabilities / Assets

35th percentile

0.83x

Higher debt load relative to assets than 35% of similar nonprofits.

2015 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2015

Liabilities / Revenue

99th percentile

69.57x

Higher debt load relative to revenue than 99% of similar nonprofits.

2015 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2015

Net Margin

19th percentile

-5.1%

Higher net margin than 19% of similar nonprofits.

2015 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2015

Top Officer Pay

18th percentile

$0

Higher top officer pay than 18% of similar nonprofits.

Top officer pay equals 0.0% of source-year revenue.

2015 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2015

Asset Growth

13th percentile

-4.2%

Faster asset growth than 13% of similar nonprofits.

2015 filings • 501(c)14 • $5M-$10M nonprofits • Annualized from 2014 to 2015

Revenue Growth

4th percentile

-15%

Faster revenue growth than 4% of similar nonprofits.

2015 filings • 501(c)14 • $5M-$10M nonprofits • Annualized from 2014 to 2015

Balance Sheet
Liabilities / Assets35th percentile

Assets

Down

$7,421,629

Down $327,961 (-4.2%) from 2014

Net Assets

Down

$1,264,600

Down $4,523 (-0.4%) from 2014

Liabilities

Down

$6,157,029

Down $323,438 (-5.0%) from 2014

Revenue And Expenses
Liabilities / Revenue99th percentileNet Margin19th percentile

Revenue

Down

$88,498

Down $15,665 (-15%) from 2014

Expenses

Down

$93,021

Down $11,142 (-11%) from 2014

Net Income

Down

-$4,523

Down $4,523 from 2014

Historical Trend

Balance Sheet Trend

Asset Growth13th percentile

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

$10M$5.0M$0Assets 2010: $9,405,572Liabilities 2010: $8,131,780Net Assets 2010: $1,273,7922010Assets 2011: $8,834,043Liabilities 2011: $7,561,107Net Assets 2011: $1,272,9362011Assets 2012: $8,597,260Liabilities 2012: $7,332,158Net Assets 2012: $1,265,1022012Assets 2013: $8,317,650Liabilities 2013: $7,048,527Net Assets 2013: $1,269,1232013Assets 2014: $7,749,590Liabilities 2014: $6,480,467Net Assets 2014: $1,269,1232014Assets 2015: $7,421,629Liabilities 2015: $6,157,029Net Assets 2015: $1,264,6002015Assets 2016: $7,283,161Liabilities 2016: $6,037,179Net Assets 2016: $1,245,9822016Assets 2017: $6,589,916Liabilities 2017: $5,363,281Net Assets 2017: $1,226,6352017Assets 2018: $0Liabilities 2018: $0Net Assets 2018: $02018

Highlighted filing

2015

Assets$7,421,629
Liabilities$6,157,029
Net Assets$1,264,600
Open 2015 Filing

Operations Trend

Revenue Growth4th percentile

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

$300K$200K$100K$0-$100KExpenses 2010: $255,6342010Revenue 2011: $168,933Expenses 2011: $169,789Net Income 2011: -$8562011Expenses 2012: $147,4362012Revenue 2013: $122,846Expenses 2013: $118,825Net Income 2013: $4,0212013Revenue 2014: $104,163Expenses 2014: $104,163Net Income 2014: $02014Revenue 2015: $88,498Expenses 2015: $93,021Net Income 2015: -$4,5232015Revenue 2016: $85,872Expenses 2016: $104,490Net Income 2016: -$18,6182016Revenue 2017: $83,161Expenses 2017: $102,508Net Income 2017: -$19,3472017Revenue 2018: $71,057Expenses 2018: $105,412Net Income 2018: -$34,3552018

Highlighted filing

2015

Revenue$88,498
Expenses$93,021
Net Income-$4,523
Open 2015 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2015 to Dec 31, 2015
Signed
Jan 22, 2016
Return Version
2015v2.1
Gross Receipts
$88,498
Mission and Program Overview

Mission

Ee south texas credit union is a non-profit savings institution, incorporated under the provisions of the texas credit union act, for the purpose of encouraging thrift among their members, and for providing credit at a fair and reasonable rate.

Balance Sheet Detail
LineBeginningEndChange
Assets
Investments Program Related$5,974,764$5,566,173▼ $408,591
Rtn Earn Endowment Incm Other Fnds$1,269,123$1,264,600▼ $4,523
Cash and Non-Interest-Bearing Accounts$644,951$953,485▲ $308,534
Other Notes and Loans Receivable, Net$928,674$830,268▼ $98,406
Savings and Temporary Cash Investments$197,417$68,119▼ $129,298
Prepaid Expenses and Deferred Charges$3,784$3,584▼ $200
Total Assets$7,749,590$7,421,629▼ $327,961
Liabilities
Other Liabilities$6,470,310$6,146,528▼ $323,782
Accounts Payable and Accrued Expenses$10,157$10,501▲ $344
Total Liabilities$6,480,467$6,157,029▼ $323,438
Net Assets / Fund Balance
Total Net Assets Fund Balance$1,269,123$1,264,600▼ $4,523
Total Liabilities and Net Assets / Fund Balance$7,749,590$7,421,629▼ $327,961

Asset Categories

AssetBook ValueDepreciationBasis
Investment Program Related Org$54,173--
Compensation and Service Providers
Top Officer Pay18th percentile

Board Members and Trustees

NameTitle
Charles RoeBoard Chairp
Bill ReavesVice Chairpe
Grady JacksonDirector
Joyce MooreDirector
Lois SnowDirector
Ann ThompsonSecretary
Shirley FowlerTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$39,143
Investment Income
$49,355
Other Revenue
$0
Change in Net Assets
$-4,523
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$55,275
Other Expenses$25,091
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$51,261
Benefits to Members---$12,655
Occupancy---$10,131
Office Expenses---$7,750
Fees for Services Other---$4,750
Insurance---$4,641
Payroll Taxes---$4,014
Conferences and Meetings---$800
Other Expenses---$-6,974
Total Functional Expenses$0$0$0$93,021
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
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Shares/deposits$6,146,528
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
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
No
Other officer compensation reviewed
Yes
Conflict-of-interest policy
No
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Page 6, Part VI, Line 6

“Ee south texas is a state chartered credit union comprised of owner/members. The members hold annual meetings at which time the members present elect open positions to the board of directors.”

Form 990, Page 6, Part VI, Line 7A

“Members have annual meetings at which time they elect directors to fill the open positions on the board.”

Form 990, Page 6, Part VI, Line 11B

“A copy of form 990 is provided to each board member for review. After detailed review and discussion, the form is approved for remittance to the irs.”

Form 990, Page 6, Part VI, Line 15B

“Board of directors reviews the compensation paid to their key employees on an annual basis and compares compensation levels against industry standards, cu size, and services. All deliberations are formally recorded in appropriate official minutes.”

Form 990, Page 6, Part VI, Line 19

“Credit union posts its financial statements in the lobby for all members to review. The governing documents and tax returns are available in the credit union office for review upon request.”

Filing and Contact Details

Filer

Filer Name
Ee South Texas Credit Union
EIN
74-1190066
Phone
3618884610
Address
3649 LEOPARD ST RM/STE 300, CORPUS CHRISTI, TX 78408

Signing Officer

Name
Debbie Linton
Title
Manager
Phone
3618884610
Signed
2016-01-22
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Debbie Linton
Formed
1952
Legal Domicile
TX
Voting Board Members
7
Independent Board Members
7
Employees
2

Preparer

Firm
Lema & Associates
Address
610 E MARKET ST STE 2906, SAN ANTONIO, TX 78205-2680
Preparer
Angel R Lema CPA
Phone
2102124822
Supplemental Narrative

Additional Explanations

FORM 990 - ORGANIZATION'S MISSION

“Ee south texas credit union is a non-profit savings institution, incorporated under the provisions of the texas credit union act, for the purpose of encouraging thrift among their members, and for providing credit at a fair and reasonable rate.”

Form 990, Page 2, Part III, Line 4D

“NOT APPLICABLE”

Form 990, Page 5, Part V, Line 3B

“Credit union did not file form 990-t due to having no income which was unrelated to their exempt organization status.”

Raw XML Appendix306 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/PersonNm1BILL REAVES
IRS990/Form990PartVIISectionAGrp/PersonNm2SHIRLEY FOWLER
IRS990/Form990PartVIISectionAGrp/PersonNm3ANN THOMPSON
IRS990/Form990PartVIISectionAGrp/PersonNm4LOIS SNOW
IRS990/Form990PartVIISectionAGrp/PersonNm5JOYCE MOORE
IRS990/Form990PartVIISectionAGrp/PersonNm6GRADY JACKSON
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IRS990/Form990PartVIISectionAGrp/TitleTxt0BOARD CHAIRP
IRS990/Form990PartVIISectionAGrp/TitleTxt1VICE CHAIRPE
IRS990/Form990PartVIISectionAGrp/TitleTxt2TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt3SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt4DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt5DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR
IRS990/Form990ProvidedToGvrnBodyInd0true
IRS990/FormationYr01952
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IRS990/FSAuditedInd0false
IRS990/FundraisingActivitiesInd0false
IRS990/GamingActivitiesInd0false
IRS990/GoverningBodyVotingMembersCnt07
IRS990/GrantsToIndividualsInd0false
IRS990/GrantsToOrganizationsInd0false
IRS990/GrantToRelatedPersonInd0false
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IRS990/IRPDocumentW2GCnt00
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IRS990/LoanOutstandingInd0false
IRS990/LocalChaptersInd0false
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IRS990/MembersOrStockholdersInd0true
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd0true
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IRS990/MissionDesc0EE SOUTH TEXAS CREDIT UNION IS A NON-PROFIT SAVINGS INSTITUTION, INCORPORATED UNDER THE PROVISIONS OF THE TEXAS CREDIT UNION ACT, FOR THE PURPOSE OF ENCOURAGING THRIFT AMONG THEIR MEMBERS, AND FOR PROVIDING CREDIT AT A FAIR AND REASONABLE RATE.
IRS990/MoreThan5000KToIndividualsInd0false
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IRS990/NetAssetsOrFundBalancesEOYAmt01264600
IRS990/NoListedPersonsCompensatedInd0X
IRS990/NondeductibleContributionsInd0false
IRS990/OccupancyGrp/TotalAmt010131
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IRS990/OperateHospitalInd0false
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherExpensesGrp/Desc0STATE OPERATING FEE
IRS990/OtherExpensesGrp/Desc1C/B
IRS990/OtherExpensesGrp/Desc2PROVISION FOR LOAN LOSS
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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0EE SOUTH TEXAS CREDIT UNION IS A NON-PROFIT SAVINGS INSTITUTION, INCORPORATED UNDER THE PROVISIONS OF THE TEXAS CREDIT UNION ACT, FOR THE PURPOSE OF ENCOURAGING THRIFT AMONG THEIR MEMBERS, AND FOR PROVIDING CREDIT AT A FAIR AND REASONABLE RATE.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1NOT APPLICABLE
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2CREDIT UNION DID NOT FILE FORM 990-T DUE TO HAVING NO INCOME WHICH WAS UNRELATED TO THEIR EXEMPT ORGANIZATION STATUS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3EE SOUTH TEXAS IS A STATE CHARTERED CREDIT UNION COMPRISED OF OWNER/MEMBERS. THE MEMBERS HOLD ANNUAL MEETINGS AT WHICH TIME THE MEMBERS PRESENT ELECT OPEN POSITIONS TO THE BOARD OF DIRECTORS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4MEMBERS HAVE ANNUAL MEETINGS AT WHICH TIME THEY ELECT DIRECTORS TO FILL THE OPEN POSITIONS ON THE BOARD.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5A COPY OF FORM 990 IS PROVIDED TO EACH BOARD MEMBER FOR REVIEW. AFTER DETAILED REVIEW AND DISCUSSION, THE FORM IS APPROVED FOR REMITTANCE TO THE IRS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6BOARD OF DIRECTORS REVIEWS THE COMPENSATION PAID TO THEIR KEY EMPLOYEES ON AN ANNUAL BASIS AND COMPARES COMPENSATION LEVELS AGAINST INDUSTRY STANDARDS, CU SIZE, AND SERVICES. ALL DELIBERATIONS ARE FORMALLY RECORDED IN APPROPRIATE OFFICIAL MINUTES.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7CREDIT UNION POSTS ITS FINANCIAL STATEMENTS IN THE LOBBY FOR ALL MEMBERS TO REVIEW. THE GOVERNING DOCUMENTS AND TAX RETURNS ARE AVAILABLE IN THE CREDIT UNION OFFICE FOR REVIEW UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990 - ORGANIZATION'S MISSION
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PAGE 2, PART III, LINE 4D
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PAGE 5, PART V, LINE 3B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PAGE 6, PART VI, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PAGE 6, PART VI, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PAGE 6, PART VI, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PAGE 6, PART VI, LINE 15B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7FORM 990, PAGE 6, PART VI, LINE 19
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IRS990/TotalEmployeeCnt02
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IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt093021
IRS990/TotalGrossUBIAmt00
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IRS990/TotalProgramServiceRevenueAmt039143
IRS990/TotalRevenueGrp/ExclusionAmt049355
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt039143
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt088498
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IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt07421629
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IRS990/USAddress/CityNm0CORPPUS CHRISTI
IRS990/USAddress/StateAbbreviationCd0TX
IRS990/USAddress/ZIPCd078469
IRS990/VotingMembersGoverningBodyCnt07
IRS990/VotingMembersIndependentCnt07
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02016-08-17 19:52:53Z
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ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0MANAGER
ReturnHeader/BusinessOfficerGrp/PhoneNum03618884610
ReturnHeader/BusinessOfficerGrp/SignatureDt02016-01-22
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0EE SOUTH TEXAS CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0EESO
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ReturnHeader/Filer/PhoneNum03618884610
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ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt0610 E MARKET ST STE 2906
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0SAN ANTONIO
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0TX
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd0782052680
ReturnHeader/PreparerPersonGrp/PhoneNum02102124822
ReturnHeader/PreparerPersonGrp/PreparationDt02016-01-21
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0ANGEL R LEMA CPA
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ReturnHeader/ReturnTs02016-01-21T14:51:06-06:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02015-01-01
ReturnHeader/TaxPeriodEndDt02015-12-31
ReturnHeader/TaxYr02015

Document Assets

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Filings

Displayed year

2015 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$7,421,629
Liabilities
$6,157,029
Net assets
$1,264,600
Revenue
$88,498
Expenses
$93,021
Net income
-$4,523
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2018Detailed filing. Detailed filing data is available for this year.$0.00$0.00$0.00$0.07$0.11$0.03
2017Detailed filing. Detailed filing data is available for this year.$6.59$5.36$1.23$0.08$0.10$0.02
2016Detailed filing. Detailed filing data is available for this year.$7.28$6.04$1.25$0.09$0.10$0.02
2015Detailed filing. Detailed filing data is available for this year.$7.42$6.16$1.26$0.09$0.09$0.00
2014Detailed filing. Detailed filing data is available for this year.$7.75$6.48$1.27$0.10$0.10$0.00
2013Detailed filing. Detailed filing data is available for this year.$8.32$7.05$1.27$0.12$0.12$0.00
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$8.60$7.33$1.27$0.15
2011Summary only. Only limited summary data is available for this year.$8.83$7.56$1.27$0.17$0.17$0.00
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$9.41$8.13$1.27$0.26