Liabilities / Assets
51st percentile
Higher debt load relative to assets than 51% of similar nonprofits.
Siviq Scores
Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.
0.88x
Liabilities / Revenue
100th percentile
Higher debt load relative to revenue than 100% of similar nonprofits.
Net Margin
3rd percentile
Higher net margin than 3% of similar nonprofits.
Top Officer Pay
88th percentile
Higher top officer pay than 88% of similar nonprofits.
Top officer pay equals 16.5% of source-year revenue.
Asset Growth
1st percentile
Faster asset growth than 1% of similar nonprofits.
Revenue Growth
11th percentile
Faster revenue growth than 11% of similar nonprofits.
Balance Sheet
Assets
Down$43,200,508
Down $6,513,404 (-13%) from 2014
Net Assets
Down$5,097,466
Down $145,194 (-2.8%) from 2014
Liabilities
Down$38,103,042
Down $6,368,210 (-14%) from 2014
Revenue And Expenses
Revenue
Down$885,072
Down $56,524 (-6.0%) from 2014
Expenses
Down$1,030,266
Down $73,214 (-6.6%) from 2014
Net Income
Up-$145,194
Up $16,690 (+10%) from 2014
Historical Trend
Jump To
Filing Snapshot
- Filing Period
- Jan 1, 2015 to Dec 31, 2015
- Signed
- May 16, 2016
- Return Version
- 2015v2.1
- Gross Receipts
- $885,072
Mission and Program Overview
Mission
The mission of CTECU is to offer members exceptional service, competitive interest rates, and sound financial management. This mission is accomplished by aggressive loan promotions, maximizing return on investments, and responsive member services and education.
The mission of CTECU is to offer members exceptional service, competitive interest rates, and sound financial management. This is accomplished by aggressive loan promotions, maximizing return on investments, and responsive member service and education.
Balance Sheet Detail
| Line | Beginning | End | Change |
|---|---|---|---|
| Assets | |||
| Investments Other Securities | $40,138,734 | $33,553,444 | ▼ $6,585,290 |
| Other Notes and Loans Receivable, Net | $8,477,758 | $8,181,613 | ▼ $296,145 |
| Rtn Earn Endowment Incm Other Fnds | $5,242,660 | $5,097,466 | ▼ $145,194 |
| Savings and Temporary Cash Investments | $293,426 | $238,381 | ▼ $55,045 |
| Prepaid Expenses and Deferred Charges | $151,351 | $140,402 | ▼ $10,949 |
| Cash and Non-Interest-Bearing Accounts | $48,336 | $25,156 | ▼ $23,180 |
| Land, Buildings, and Equipment, Net | $47,505 | $23,176 | ▼ $24,329 |
| Accounts Receivable | $7,789 | $2,155 | ▼ $5,634 |
| Pledges and Grants Receivable | $0 | $0 | → $0 |
| Receivable From Disqualified Prsn | $0 | $0 | → $0 |
| Receivables From Officers Etc | $0 | $0 | → $0 |
| Investments in Publicly Traded Securities | $0 | $0 | → $0 |
| Pd in Cap Srpls Land Bldg Eqp Fund | $0 | $0 | → $0 |
| Cap Stk Tr Prin Current Funds | $0 | $0 | → $0 |
| Inventories for Sale or Use | $0 | $0 | → $0 |
| Loans From Officers Directors | $0 | $0 | → $0 |
| Total Assets | $49,713,912 | $43,200,508 | ▼ $6,513,404 |
| Other Assets Total | $549,013 | $1,036,181 | ▲ $487,168 |
| Liabilities | |||
| Other Liabilities | $44,327,976 | $38,058,159 | ▼ $6,269,817 |
| Accounts Payable and Accrued Expenses | $143,276 | $44,883 | ▼ $98,393 |
| Grants Payable | $0 | $0 | → $0 |
| Mortgage Notes Payable Secured by Investment Property | $0 | $0 | → $0 |
| Unsecured Notes Loans Payable | $0 | $0 | → $0 |
| Deferred Revenue | $0 | $0 | → $0 |
| Escrow Account Liability | $0 | $0 | → $0 |
| Tax Exempt Bond Liabilities | $0 | $0 | → $0 |
| Total Liabilities | $44,471,252 | $38,103,042 | ▼ $6,368,210 |
| Net Assets / Fund Balance | |||
| Total Net Assets Fund Balance | $5,242,660 | $5,097,466 | ▼ $145,194 |
| Total Liabilities and Net Assets / Fund Balance | $49,713,912 | $43,200,508 | ▼ $6,513,404 |
Asset Categories
| Asset | Book Value | Depreciation | Basis |
|---|---|---|---|
| Leasehold Improvements | $16,455 | $79,257 | $95,712 |
| Equipment | $6,721 | $80,236 | $86,957 |
| Buildings | $0 | $0 | $0 |
| Other Land Buildings | $0 | $0 | $0 |
| Land | $0 | - | $0 |
| Other Securities | $652,444 | - | - |
| Closely Held Equity Interests | $0 | - | - |
| Financial Derivatives | $0 | - | - |
Compensation and Service Providers
Employees
| Name | Title | Full / Part Time | Base | Other | Total |
|---|---|---|---|---|---|
| Jocelyn Kapalski | President/CEO | FT | $128,600 | $17,178 | $145,778 |
Board Members and Trustees
| Name | Title |
|---|---|
| Michael Beard | Chairman of Board |
| Mike Jung | Vice Chairman of Board |
| Gary Cohen | Director |
| Glenn Ewan | Director |
| William Alvarez | Director |
| John Hanten | Directors |
| Johnny Van Etta | Secretary of Board |
| Kane Prestwood | Treasurer of Board |
Revenue and Support
Revenue Composition
- Contributions and Grants
- $0
- Program Service Revenue
- $308,693
- Investment Income
- $575,410
- Other Revenue
- $969
- Change in Net Assets
- $-145,194
Expenses and Functional Allocation
Major Expense Lines
| Line Item | Amount |
|---|---|
| Salaries, Compensation, and Employee Benefits | $551,874 |
| Other Expenses | $372,523 |
| Grants and Similar Amounts Paid | $0 |
| Professional Fundraising Fees | $0 |
| Total Fundraising Expense | $0 |
Functional Expense Allocation
| Line Item | Program | Management | Fundraising | Total |
|---|---|---|---|---|
| Other Salaries and Wages | - | - | - | $282,329 |
| Current Officers, Directors, Trustees, and Key Employees | - | - | - | $138,970 |
| Occupancy | - | - | - | $120,550 |
| Benefits to Members | - | - | - | $105,869 |
| Other Employee Benefits | - | - | - | $76,315 |
| Information Technology | - | - | - | $68,753 |
| Office Expenses | - | - | - | $67,559 |
| Payroll Taxes | - | - | - | $31,421 |
| Pension Plan Contributions | - | - | - | $22,839 |
| Fees for Services Accounting | - | - | - | $14,863 |
| Fees for Service Investment Mgmnt Fees | - | - | - | $10,309 |
| Other Expenses | - | - | - | $10,140 |
| Advertising | - | - | - | $6,542 |
| Fees for Services Other | - | - | - | $6,334 |
| Depreciation Depletion | - | - | - | $4,973 |
| Conferences and Meetings | - | - | - | $3,976 |
| Fees for Services Legal | - | - | - | $1,066 |
| Total Functional Expenses | $0 | $0 | $0 | $1,030,266 |
Fundraising, Events, and Gaming
- Fundraising activities
- No
- Gaming activities
- No
- Professional fundraiser used
- No
Fundraising and Gaming Totals
| Line Item | Amount |
|---|---|
| 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 Item | Beginning | End | Change |
|---|---|---|---|
| Loans from Officers, Directors, Trustees, and Key Employees | $0 | $0 | → $0 |
| Receivables from Disqualified Persons | $0 | $0 | → $0 |
| Receivables from Officers, Directors, Trustees, and Key Employees | $0 | $0 | → $0 |
Debt and Bond Financing
Other Reported Liabilities
| Liability | Amount |
|---|---|
| Member Shares and Deposits | $38,058,159 |
Governance and Compliance
Governance Checklist
- Compiled or reviewed by an accountant
- No
- Annual disclosure for covered persons
- 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
- No
- Key decisions subject to board approval
- Yes
- Management duties delegated
- No
Governance Explanations
Form 990, Part VI, Section A, Line 6
“The Credit Union's members have rights to elect the members of the Governing Body. The Credit Union's members also receive a share of the Organization's Profits in the form of Cash Dividends.”
Form 990, Part VI, Section A, Line 7A
“Members of the Credit Union have the right to elect one or more members of the Organization's Governing Body whether periodically or as vacancies arise or otherwise.”
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 the President prior to filing with the IRS. A copy of Form 990 is provided to the Board of Directors after the return is filed with the IRS.”
Form 990, Part VI, Section B, Line 12C
“A review of Conflicts of Interest is performed by External Auditors and an Internal Review is completed by Management Staff.”
Form 990, Part VI, Section B, Line 15
“The CTECU Board requires the President/CEO to provide Salary Surveys from the Cornerstone Credit Union League on comparable CEO salaries across Texas and different Asset Size Credit Unions. The Chairman of the Board meets with the Executive Committee of the Board (made up of the Chairman, Vice-Chairman, Treasurer and Secretary). The Chairman then sends a recommendation from the Executive Committee to the rest of the Board of Directors.”
Form 990, Part VI, Section C, Line 19
“CTECU posts their Annual Meeting Report packet that includes the Annual Financial Statements on its website: www.ctecu.org. CTECU does not make its Governing Documents or Conflict of Interest Policy available to the General Public. The Financial Data is also available on www.ncua.gov on a quarterly basis via the Form 5300 Call Reports.”
Filing and Contact Details
Filer
- Filer Name
- C T E C U
- EIN
- 74-1199174
- Phone
- 7132956404
- Address
- 4800 Fournace Place BOB E133D, Bellaire, TX 77401
Signing Officer
- Name
- Jocelyn Jackie Kapalski
- Title
- President
- Phone
- 7132956404
- Signed
- 2016-05-16
Organization Details
- Principal Officer
- Jocelyn Kapalski
- Formed
- 1952
- Legal Domicile
- TX
- Voting Board Members
- 9
- Independent Board Members
- 8
- Employees
- 8
- Volunteers
- 17
Supplemental Narrative
Financial Statement Notes
Schedule D, Part X, Line 2
“Member Shares and Deposits”
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| IRS990/Desc | 0 | CTECU provides Home Mortgage loans for the key purchase that most American families make, their home. The Home Mortgages and Refinanced Home loans are at low-competitive market interest rates. CTECU provides low-cost 5-year Home Equity loans. Home Mortgage loans and Home Equity loans for 2015 resulted in 38 loans and $4,458,900 outstanding balances as of 12/31/2015. |
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| IRS990/LegalDomicileStateCd | 0 | TX |
| IRS990/LoanOutstandingInd | 0 | 0 |
| IRS990/LoansFromOfficersDirectorsGrp/BOYAmt | 0 | 0 |
| IRS990/LoansFromOfficersDirectorsGrp/EOYAmt | 0 | 0 |
| IRS990/LocalChaptersInd | 0 | 1 |
| IRS990/MaterialDiversionOrMisuseInd | 0 | 0 |
| IRS990/MembersOrStockholdersInd | 0 | 1 |
| IRS990/MethodOfAccountingAccrualInd | 0 | X |
| IRS990/MinutesOfCommitteesInd | 0 | 1 |
| IRS990/MinutesOfGoverningBodyInd | 0 | 1 |
| IRS990/MiscellaneousRevenueGrp/ExclusionAmt | 0 | 0 |
| IRS990/MiscellaneousRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 0 |
| IRS990/MiscellaneousRevenueGrp/TotalRevenueColumnAmt | 0 | 0 |
| IRS990/MiscellaneousRevenueGrp/UnrelatedBusinessRevenueAmt | 0 | 0 |
| IRS990/MissionDesc | 0 | The mission of CTECU is to offer members exceptional service, competitive interest rates, and sound financial management. This mission is accomplished by aggressive loan promotions, maximizing return on investments, and responsive member services and education. |
| IRS990/MoreThan5000KToIndividualsInd | 0 | 0 |
| IRS990/MoreThan5000KToOrgInd | 0 | 0 |
| IRS990/MortgNotesPyblScrdInvstPropGrp/BOYAmt | 0 | 0 |
| IRS990/MortgNotesPyblScrdInvstPropGrp/EOYAmt | 0 | 0 |
| IRS990/NetAssetsOrFundBalancesBOYAmt | 0 | 5242660 |
| IRS990/NetAssetsOrFundBalancesEOYAmt | 0 | 5097466 |
| IRS990/NetUnrelatedBusTxblIncmAmt | 0 | 0 |
| IRS990/NetUnrlzdGainsLossesInvstAmt | 0 | 0 |
| IRS990/NondeductibleContributionsInd | 0 | 0 |
| IRS990/OccupancyGrp/TotalAmt | 0 | 120550 |
| IRS990/OfficeExpensesGrp/TotalAmt | 0 | 67559 |
| IRS990/OfficerMailingAddressInd | 0 | 0 |
| IRS990/OperateHospitalInd | 0 | 0 |
| IRS990/Organization501cInd | 0 | X |
| IRS990/OrgDoesNotFollowSFAS117Ind | 0 | X |
| IRS990/OtherAssetsTotalGrp/BOYAmt | 0 | 549013 |
| IRS990/OtherAssetsTotalGrp/EOYAmt | 0 | 1036181 |
| IRS990/OtherChangesInNetAssetsAmt | 0 | 0 |
| IRS990/OtherEmployeeBenefitsGrp/TotalAmt | 0 | 76315 |
| IRS990/OtherExpensesGrp/Desc | 0 | Loan Servicing |
| IRS990/OtherExpensesGrp/Desc | 1 | Member Services |
| IRS990/OtherExpensesGrp/Desc | 2 | Association Dues-League |
| IRS990/OtherExpensesGrp/Desc | 3 | Operating Fees |
| IRS990/OtherExpensesGrp/TotalAmt | 0 | 28120 |
| IRS990/OtherExpensesGrp/TotalAmt | 1 | 16340 |
| IRS990/OtherExpensesGrp/TotalAmt | 2 | 12998 |
| IRS990/OtherExpensesGrp/TotalAmt | 3 | 10140 |
| IRS990/OtherLiabilitiesGrp/BOYAmt | 0 | 44327976 |
| IRS990/OtherLiabilitiesGrp/EOYAmt | 0 | 38058159 |
| IRS990/OtherRevenueMiscGrp/BusinessCd | 0 | 522130 |
| IRS990/OtherRevenueMiscGrp/BusinessCd | 1 | 525990 |
| IRS990/OtherRevenueMiscGrp/BusinessCd | 2 | 522130 |
| IRS990/OtherRevenueMiscGrp/Desc | 0 | Provision for Loan Losses |
| IRS990/OtherRevenueMiscGrp/Desc | 1 | Net Loss on Sale of CDs |
| IRS990/OtherRevenueMiscGrp/Desc | 2 | Net Gain on sale of Furniture and Fixtures and Equipment |
| IRS990/OtherRevenueMiscGrp/ExclusionAmt | 0 | 0 |
| IRS990/OtherRevenueMiscGrp/ExclusionAmt | 1 | -240 |
| IRS990/OtherRevenueMiscGrp/ExclusionAmt | 2 | 0 |
| IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt | 0 | 709 |
| IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt | 1 | 0 |
| IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt | 2 | 500 |
| IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt | 0 | 709 |
| IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt | 1 | -240 |
| IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt | 2 | 500 |
| IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt | 0 | 0 |
| IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt | 1 | 0 |
| IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt | 2 | 0 |
| IRS990/OtherRevenueTotalAmt | 0 | 969 |
| IRS990/OtherSalariesAndWagesGrp/TotalAmt | 0 | 282329 |
| IRS990/OthNotesLoansReceivableNetGrp/BOYAmt | 0 | 8477758 |
| IRS990/OthNotesLoansReceivableNetGrp/EOYAmt | 0 | 8181613 |
| IRS990/PartialLiquidationInd | 0 | 0 |
| IRS990/PaymentsToAffiliatesGrp/TotalAmt | 0 | 0 |
| IRS990/PayrollTaxesGrp/TotalAmt | 0 | 31421 |
| IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt | 0 | 0 |
| IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt | 0 | 0 |
| IRS990/PensionPlanContributionsGrp/TotalAmt | 0 | 22839 |
| IRS990/PledgesAndGrantsReceivableGrp/BOYAmt | 0 | 0 |
| IRS990/PledgesAndGrantsReceivableGrp/EOYAmt | 0 | 0 |
| IRS990/PoliciesReferenceChaptersInd | 0 | 1 |
| IRS990/PoliticalCampaignActyInd | 0 | 0 |
| IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt | 0 | 151351 |
| IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt | 0 | 140402 |
| IRS990/PrincipalOfficerNm | 0 | Jocelyn Kapalski |
| IRS990/PriorPeriodAdjustmentsAmt | 0 | 0 |
| IRS990/ProfessionalFundraisingInd | 0 | 0 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 0 | 522130 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 1 | 522130 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 2 | 522130 |
| IRS990/ProgramServiceRevenueGrp/Desc | 0 | Interest on Loans |
| IRS990/ProgramServiceRevenueGrp/Desc | 1 | Fees and Charges |
| IRS990/ProgramServiceRevenueGrp/Desc | 2 | Miscellaneous Income |
| IRS990/ProgramServiceRevenueGrp/ExclusionAmt | 0 | 0 |
| IRS990/ProgramServiceRevenueGrp/ExclusionAmt | 1 | 0 |
| IRS990/ProgramServiceRevenueGrp/ExclusionAmt | 2 | 0 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 295378 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 1 | 11065 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 2 | 2250 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 0 | 295378 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 1 | 11065 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 2 | 2250 |
| IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt | 0 | 0 |
| IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt | 1 | 0 |
| IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt | 2 | 0 |
| IRS990/ProgSrvcAccomActy2Grp/Desc | 0 | CTECU provides low-rate vehicle loans for members. CTECU also provides low-cost Student loans and Credit Card loans to assist with prudent financial behavior and planning. CTECU provides low-rate Consumer loans for Recreational Vehicles as well as for Boats, Boat motors, and Boat trailers and Motorcycles. CTECU provides Share-secured loans to assist those members who have NO credit history and need to establish credit. Financial counseling and Debt Consolidation loans are provided to assist members with financial difficulties and need guidance with their finances. Vehicle loans for 2015 resulted in 184 loans and $3,122,544 outstanding balances as of 12/31/2015. |
| IRS990/ProgSrvcAccomActy2Grp/ExpenseAmt | 0 | 28120 |
| IRS990/ProgSrvcAccomActy2Grp/RevenueAmt | 0 | 106067 |
| IRS990/ProgSrvcAccomActy3Grp/Desc | 0 | CTECU provides competitive rates on deposit accounts, promoting thrift among its membership of over 2000 members and promoting prudent financial behavior and planning. CTECU provides Savings accounts, Money Market accounts, IRA accounts, and Share draft-checking accounts as well as Certificates of Deposit (CDs). Dividends are paid monthly. Members have access to their accounts via the Shared Branching Network or Telephone access via Audio Response Unit on a 24/7 access as well as Internet access via MIA and Account Access Worldwide via ATMs and Debit cards. Competitive Rates on Deposit Accounts for 2015 resulted in 2,779 accounts and $3,122544 outstanding balances as of 12/31/2015. |
| IRS990/ProgSrvcAccomActy3Grp/ExpenseAmt | 0 | 122209 |
| IRS990/ProhibitedTaxShelterTransInd | 0 | 0 |
| IRS990/PYBenefitsPaidToMembersAmt | 0 | 156577 |
| IRS990/PYContributionsGrantsAmt | 0 | 0 |
| IRS990/PYGrantsAndSimilarPaidAmt | 0 | 0 |
| IRS990/PYInvestmentIncomeAmt | 0 | 663972 |
| IRS990/PymtTravelEntrtnmntPubOfclGrp/TotalAmt | 0 | 0 |
| IRS990/PYOtherExpensesAmt | 0 | 405948 |
| IRS990/PYOtherRevenueAmt | 0 | -41780 |
| IRS990/PYProgramServiceRevenueAmt | 0 | 319404 |
| IRS990/PYRevenuesLessExpensesAmt | 0 | -161884 |
| IRS990/PYSalariesCompEmpBnftPaidAmt | 0 | 540955 |
| IRS990/PYTotalExpensesAmt | 0 | 1103480 |
| IRS990/PYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/PYTotalRevenueAmt | 0 | 941596 |
| IRS990/RcvblFromDisqualifiedPrsnGrp/BOYAmt | 0 | 0 |
| IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt | 0 | 0 |
| IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt | 0 | 0 |
| IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt | 0 | 0 |
| IRS990/ReconcilationRevenueExpnssAmt | 0 | -145194 |
| IRS990/RegularMonitoringEnfrcInd | 0 | 1 |
| IRS990/RelatedEntityInd | 0 | 0 |
| IRS990/RelatedOrganizationCtrlEntInd | 0 | 0 |
| IRS990/RentalIncomeOrLossGrp/PersonalAmt | 0 | 0 |
| IRS990/RentalIncomeOrLossGrp/RealAmt | 0 | 0 |
| IRS990/ReportInvestmentsOtherSecInd | 0 | 1 |
| IRS990/ReportLandBuildingEquipmentInd | 0 | 1 |
| IRS990/ReportOtherAssetsInd | 0 | 0 |
| IRS990/ReportOtherLiabilitiesInd | 0 | 1 |
| IRS990/ReportProgramRelatedInvstInd | 0 | 0 |
| IRS990/RevenueAmt | 0 | 166410 |
| IRS990/RoyaltiesGrp/TotalAmt | 0 | 0 |
| IRS990/RoyaltiesRevenueGrp/ExclusionAmt | 0 | 0 |
| IRS990/RoyaltiesRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 0 |
| IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt | 0 | 0 |
| IRS990/RoyaltiesRevenueGrp/UnrelatedBusinessRevenueAmt | 0 | 0 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt | 0 | 5242660 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt | 0 | 5097466 |
| IRS990/SavingsAndTempCashInvstGrp/BOYAmt | 0 | 293426 |
| IRS990/SavingsAndTempCashInvstGrp/EOYAmt | 0 | 238381 |
| IRS990/ScheduleBRequiredInd | 0 | 0 |
| IRS990ScheduleD/BuildingsGrp/BookValueAmt | 0 | 0 |
| IRS990ScheduleD/BuildingsGrp/DepreciationAmt | 0 | 0 |
| IRS990ScheduleD/BuildingsGrp/InvestmentCostOrOtherBasisAmt | 0 | 0 |
| IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt | 0 | 0 |
| IRS990ScheduleD/CloselyHeldEquityInterestsGrp/BookValueAmt | 0 | 0 |
| IRS990ScheduleD/EquipmentGrp/BookValueAmt | 0 | 6721 |
| IRS990ScheduleD/EquipmentGrp/DepreciationAmt | 0 | 80236 |
| IRS990ScheduleD/EquipmentGrp/InvestmentCostOrOtherBasisAmt | 0 | 0 |
| IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt | 0 | 86957 |
| IRS990ScheduleD/FinancialDerivativesGrp/BookValueAmt | 0 | 0 |
| IRS990ScheduleD/FootnoteTextInd | 0 | X |
| IRS990ScheduleD/LandGrp/BookValueAmt | 0 | 0 |
| IRS990ScheduleD/LandGrp/InvestmentCostOrOtherBasisAmt | 0 | 0 |
| IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt | 0 | 0 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt | 0 | 16455 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt | 0 | 79257 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/InvestmentCostOrOtherBasisAmt | 0 | 0 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt | 0 | 95712 |
| IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt | 0 | 0 |
| IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt | 0 | 0 |
| IRS990ScheduleD/OtherLandBuildingsGrp/InvestmentCostOrOtherBasisAmt | 0 | 0 |
| IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt | 0 | 0 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 0 | 38058159 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 0 | Member Shares and Deposits |
| IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt | 0 | 31955000 |
| IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt | 1 | 946000 |
| IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt | 2 | 652444 |
| IRS990ScheduleD/OtherSecuritiesGrp/Desc | 0 | Deposits in Commercial Banks |
| IRS990ScheduleD/OtherSecuritiesGrp/Desc | 1 | Deposits in Other Credit Unions |
| IRS990ScheduleD/OtherSecuritiesGrp/Desc | 2 | Deposits in Corporate Federal Credit Unions |
| IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd | 0 | C |
| IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd | 1 | C |
| IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd | 2 | C |
| IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt | 0 | Member Shares and Deposits |
| IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc | 0 | Schedule D, Part X, Line 2 |
| IRS990ScheduleD/TotalBookValueLandBuildingsAmt | 0 | 23176 |
| IRS990ScheduleD/TotalBookValueSecuritiesAmt | 0 | 33553444 |
| IRS990ScheduleD/TotalLiabilityAmt | 0 | 38058159 |
| IRS990/ScheduleJRequiredInd | 0 | 0 |
| IRS990/ScheduleORequiredInd | 0 | 1 |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 0 | The Credit Union's members have rights to elect the members of the Governing Body. The Credit Union's members also receive a share of the Organization's Profits in the form of Cash Dividends. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 1 | Members of the Credit Union have the right to elect one or more members of the Organization's Governing Body whether periodically or as vacancies arise or otherwise. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 2 | 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. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 3 | Form 990 is reviewed by the President prior to filing with the IRS. A copy of Form 990 is provided to the Board of Directors after the return is filed with the IRS. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 4 | A review of Conflicts of Interest is performed by External Auditors and an Internal Review is completed by Management Staff. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 5 | The CTECU Board requires the President/CEO to provide Salary Surveys from the Cornerstone Credit Union League on comparable CEO salaries across Texas and different Asset Size Credit Unions. The Chairman of the Board meets with the Executive Committee of the Board (made up of the Chairman, Vice-Chairman, Treasurer and Secretary). The Chairman then sends a recommendation from the Executive Committee to the rest of the Board of Directors. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 6 | CTECU posts their Annual Meeting Report packet that includes the Annual Financial Statements on its website: www.ctecu.org. CTECU does not make its Governing Documents or Conflict of Interest Policy available to the General Public. The Financial Data is also available on www.ncua.gov on a quarterly basis via the Form 5300 Call Reports. |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 0 | Form 990, Part VI, Section A, Line 6 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 1 | Form 990, Part VI, Section A, Line 7a |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 2 | Form 990, Part VI, Section A, Line 7b |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 3 | Form 990, Part VI, Section B, Line 11b |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 4 | Form 990, Part VI, Section B, Line 12c |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 5 | Form 990, Part VI, Section B, Line 15 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 6 | Form 990, Part VI, Section C, Line 19 |
| IRS990/SchoolOperatingInd | 0 | 0 |
Document Assets
No mirrored PDF or thumbnail assets are attached yet.
Filings
Displayed year
2015 • Form 990Detailed filing. Detailed filing data is available for this year.
- Assets
- $43,200,508
- Liabilities
- $38,103,042
- Net assets
- $5,097,466
- Revenue
- $885,072
- Expenses
- $1,030,266
- Net income
- -$145,194
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