Liabilities / Assets
12th percentile
Higher debt load relative to assets than 12% of similar nonprofits.
EIN 74-1199174 • 501(c)14 • Houston, TX
Profile
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.
Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.
Liabilities / Assets
12th percentile
Higher debt load relative to assets than 12% of similar nonprofits.
Liabilities / Revenue
100th percentile
Higher debt load relative to revenue than 100% of similar nonprofits.
Net Margin
2nd percentile
Higher net margin than 2% of similar nonprofits.
Top Officer Pay
Score unavailable
No filing with officer rows is available for this organization yet.
Asset Growth
9th percentile
Faster asset growth than 9% of similar nonprofits.
Revenue Growth
1st percentile
Faster revenue growth than 1% of similar nonprofits.
Assets
Down$25,500,038
Down $2,190,787 (-7.9%) from 2021
Liabilities
Down$20,676,740
Down $1,906,404 (-8.4%) from 2021
Net Assets
Down$4,823,298
Down $284,383 (-5.6%) from 2021
Revenue
Down$452,540
Down $198,371 (-30%) from 2021
Expenses
Up$736,923
Up $55,897 (+8.2%) from 2021
Net Income
Down-$284,383
Down $254,268 (-844%) from 2021
Most recent year
2022 • Form 990Detailed filing. Detailed filing data is available for this year.
The mission of cte credit union 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 service 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.
| Line | Beginning | End | Change |
|---|---|---|---|
| Assets | |||
| Investments Other Securities | $20,486,562 | $18,498,207 | ▼ $1,988,355 |
| Other Notes and Loans Receivable, Net | $5,518,077 | $5,245,950 | ▼ $272,127 |
| Rtn Earn Endowment Incm Other Fnds | $5,107,681 | $4,823,298 | ▼ $284,383 |
| Savings and Temporary Cash Investments | $146,085 | $219,691 | ▲ $73,606 |
| Prepaid Expenses and Deferred Charges | $69,761 | $43,036 | ▼ $26,725 |
| Accounts Receivable | $24,325 | $17,221 | ▼ $7,104 |
| Cash and Non-Interest-Bearing Accounts | $28,681 | $16,747 | ▼ $11,934 |
| Land, Buildings, and Equipment, Net | $85 | $85 | → $0 |
| Pledges and Grants Receivable | $0 | $0 | → $0 |
| Receivable From Disqualified Prsn | $0 | $0 | → $0 |
| Receivables From Officers Etc | $0 | $0 | → $0 |
| Investments Program Related | $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 |
| Intangible Assets | $0 | $0 | → $0 |
| Inventories for Sale or Use | $0 | $0 | → $0 |
| Loans From Officers Directors | $0 | $0 | → $0 |
| Total Assets | $27,690,825 | $25,500,038 | ▼ $2,190,787 |
| Other Assets Total | $1,417,249 | $1,459,101 | ▲ $41,852 |
| Liabilities | |||
| Other Liabilities | $22,555,122 | $20,617,102 | ▼ $1,938,020 |
| Accounts Payable and Accrued Expenses | $28,022 | $59,638 | ▲ $31,616 |
| 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 | $22,583,144 | $20,676,740 | ▼ $1,906,404 |
| Net Assets / Fund Balance | |||
| Total Net Assets Fund Balance | $5,107,681 | $4,823,298 | ▼ $284,383 |
| Total Liabilities and Net Assets / Fund Balance | $27,690,825 | $25,500,038 | ▼ $2,190,787 |
| Asset | Book Value | Depreciation | Basis |
|---|---|---|---|
| Equipment | $85 | $49,638 | $49,723 |
| Buildings | $0 | $0 | $0 |
| Other Land Buildings | $0 | $0 | $0 |
| Land | $0 | - | $0 |
| Leasehold Improvements | $0 | $0 | $0 |
| Other Assets Org | $-22,037 | - | - |
| Other Securities | $1,498,000 | - | - |
| Closely Held Equity Interests | $0 | - | - |
| Financial Derivatives | $0 | - | - |
| Name | Title | Full / Part Time | Base | Other | Total |
|---|---|---|---|---|---|
| Jocelyn Kapalski | President/CEO | FT | $151,630 | $23,027 | $174,657 |
| Name | Title |
|---|---|
| Michael Beard | Chairman of Board |
| John Hanten | Vice-Chairman |
| Mike Jung | Vice-Chairman |
| Melissa Hinch | Board Secretary |
| Janice Rogers | Director |
| Wanda Stephanow | Director |
| Gary Cohen | Treasurer of Board |
| Line Item | Amount |
|---|---|
| Salaries, Compensation, and Employee Benefits | $347,196 |
| Other Expenses | $330,324 |
| Grants and Similar Amounts Paid | $0 |
| Professional Fundraising Fees | $0 |
| Total Fundraising Expense | $0 |
| Line Item | Program | Management | Fundraising | Total |
|---|---|---|---|---|
| Current Officers, Directors, Trustees, and Key Employees | - | - | - | $166,197 |
| Other Salaries and Wages | - | - | - | $113,412 |
| Information Technology | - | - | - | $110,884 |
| Office Expenses | - | - | - | $59,889 |
| Benefits to Members | - | - | - | $59,403 |
| Occupancy | - | - | - | $38,255 |
| Other Employee Benefits | - | - | - | $32,140 |
| Fees for Service Investment Mgmnt Fees | - | - | - | $21,646 |
| Payroll Taxes | - | - | - | $20,375 |
| Pension Plan Contributions | - | - | - | $15,072 |
| Fees for Services Accounting | - | - | - | $9,592 |
| Other Expenses | - | - | - | $5,804 |
| Advertising | - | - | - | $1,890 |
| Conferences and Meetings | - | - | - | $418 |
| Interest | - | - | - | $6 |
| Total Functional Expenses | $0 | $0 | $0 | $736,923 |
| Line Item | Amount |
|---|---|
| Professional Fundraising Fees | $0 |
| 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 |
| Liability | Amount |
|---|---|
| Members Shares and Deposits | $20,617,102 |
“The credit union members have the right to elect the members of the Governing Body. the credit union members also receive a share of the Organizations Profits in the form of Cash Dividends.”
“Members of the credit union have the right to elect one or more members of the Organizations Governing Body, whether periodically or as vacancies arise, or otherwise.”
“Members of the credit union have the right to approve the Governing Body's election or removal of members of the Governing Body as well as other matters that are subject to the approval of Members of credit union as they occur.”
“Form 990 is reviewed by the President/CEO 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.”
“A review of the Conflicts of Interest is performed by the external auditor and an internal review is performed by Management staff.”
“The CTECU Board requires the President/CEO to provide Salary Survey from Cornerstone League on comparable CEO salaries across Texas, Arkansas, and Oklahoma and different asset size credit unions. The Chairman of the Board meets with the Executive Committee of the Board (made up of Chairman, Vice-Chairman, Treasurer, and Secretary). The Chairman then sends a recommendation from the Executive Committee to the rest of the Board of Directors.”
“CTECU posts their Annual Meeting Packet that includes the Annual Financial Statements on its website: www.ctecu.org. CTECU does not make its Governing Documents of Conflict of Interest Policy available to the General Public. The Financial Data is also available on American Share Insurance website: https://www.americanshare.com/cu-financial. CTECU is privately insured by American Share Insurance in Ohio as voted by our membership in 2015, effective 12.31.2015.”
This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.
| Path | # | Value |
|---|---|---|
| IRS990/AccountantCompileOrReviewInd | 0 | 1 |
| IRS990/AccountsPayableAccrExpnssGrp/BOYAmt | 0 | 28022 |
| IRS990/AccountsPayableAccrExpnssGrp/EOYAmt | 0 | 59638 |
| IRS990/AccountsReceivableGrp/BOYAmt | 0 | 24325 |
| IRS990/AccountsReceivableGrp/EOYAmt | 0 | 17221 |
| IRS990/AcctCompileOrReviewBasisGrp/ConsolAndSepBasisFinclStmtInd | 0 | X |
| IRS990/ActivitiesConductedPrtshpInd | 0 | 0 |
| IRS990/ActivityOrMissionDesc | 0 | 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. |
| IRS990/AdvertisingGrp/TotalAmt | 0 | 1890 |
| IRS990/AnnualDisclosureCoveredPrsnInd | 0 | 1 |
| IRS990/AuditCommitteeInd | 0 | 1 |
| IRS990/BackupWthldComplianceInd | 0 | 1 |
| IRS990/BenefitsToMembersGrp/TotalAmt | 0 | 59403 |
| IRS990/BooksInCareOfDetail/PersonNm | 0 | Jocelyn Jackie Kapalski |
| IRS990/BooksInCareOfDetail/PhoneNum | 0 | 7134320038 |
| IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt | 0 | 3100 Wilcrest Suite 141 |
| IRS990/BooksInCareOfDetail/USAddress/CityNm | 0 | Houston |
| IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd | 0 | TX |
| IRS990/BooksInCareOfDetail/USAddress/ZIPCd | 0 | 77042 |
| IRS990/BusinessRlnWith35CtrlEntInd | 0 | 0 |
| IRS990/BusinessRlnWithFamMemInd | 0 | 0 |
| IRS990/BusinessRlnWithOrgMemInd | 0 | 0 |
| IRS990/CapStkTrPrinCurrentFundsGrp/BOYAmt | 0 | 0 |
| IRS990/CapStkTrPrinCurrentFundsGrp/EOYAmt | 0 | 0 |
| IRS990/CashNonInterestBearingGrp/BOYAmt | 0 | 28681 |
| IRS990/CashNonInterestBearingGrp/EOYAmt | 0 | 16747 |
| IRS990/ChangeToOrgDocumentsInd | 0 | 0 |
| IRS990/CntrctRcvdGreaterThan100KCnt | 0 | 0 |
| IRS990/CollectionsOfArtInd | 0 | 0 |
| IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt | 0 | 166197 |
| IRS990/CompDisqualPersonsGrp/TotalAmt | 0 | 0 |
| IRS990/CompensationFromOtherSrcsInd | 0 | 0 |
| IRS990/CompensationProcessCEOInd | 0 | 1 |
| IRS990/CompensationProcessOtherInd | 0 | 1 |
| IRS990/ConferencesMeetingsGrp/TotalAmt | 0 | 418 |
| IRS990/ConflictOfInterestPolicyInd | 0 | 1 |
| IRS990/ConservationEasementsInd | 0 | 0 |
| IRS990/ConsolidatedAuditFinclStmtInd | 0 | 0 |
| IRS990/CreditCounselingInd | 0 | 0 |
| IRS990/CYBenefitsPaidToMembersAmt | 0 | 59403 |
| IRS990/CYContributionsGrantsAmt | 0 | 0 |
| IRS990/CYGrantsAndSimilarPaidAmt | 0 | 0 |
| IRS990/CYInvestmentIncomeAmt | 0 | 180032 |
| IRS990/CYOtherExpensesAmt | 0 | 330324 |
| IRS990/CYOtherRevenueAmt | 0 | 46514 |
| IRS990/CYProgramServiceRevenueAmt | 0 | 225994 |
| IRS990/CYRevenuesLessExpensesAmt | 0 | -284383 |
| IRS990/CYSalariesCompEmpBnftPaidAmt | 0 | 347196 |
| IRS990/CYTotalExpensesAmt | 0 | 736923 |
| IRS990/CYTotalFundraisingExpenseAmt | 0 | 0 |
| IRS990/CYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/CYTotalRevenueAmt | 0 | 452540 |
| IRS990/DecisionsSubjectToApprovaInd | 0 | 1 |
| IRS990/DeductibleArtContributionInd | 0 | 0 |
| IRS990/DeductibleNonCashContriInd | 0 | 0 |
| IRS990/DeferredRevenueGrp/BOYAmt | 0 | 0 |
| IRS990/DeferredRevenueGrp/EOYAmt | 0 | 0 |
| IRS990/DelegationOfMgmtDutiesInd | 0 | 0 |
| IRS990/DepreciationDepletionGrp/TotalAmt | 0 | 0 |
| 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 2022 resulted in 4 loans totaling $610,236. |
| IRS990/DescribedInSection501c3Ind | 0 | 0 |
| IRS990/DisregardedEntityInd | 0 | 0 |
| IRS990/DocumentRetentionPolicyInd | 0 | 1 |
| IRS990/DonatedServicesAndUseFcltsAmt | 0 | 0 |
| IRS990/DonorAdvisedFundInd | 0 | 0 |
| IRS990/DonorRstrOrQuasiEndowmentsInd | 0 | 0 |
| IRS990/ElectionOfBoardMembersInd | 0 | 1 |
| IRS990/EmployeeCnt | 0 | 3 |
| IRS990/EmploymentTaxReturnsFiledInd | 0 | 1 |
| IRS990/EscrowAccountLiabilityGrp/BOYAmt | 0 | 0 |
| IRS990/EscrowAccountLiabilityGrp/EOYAmt | 0 | 0 |
| IRS990/FamilyOrBusinessRlnInd | 0 | 0 |
| IRS990/FederalGrantAuditRequiredInd | 0 | 0 |
| IRS990/FeesForServicesAccountingGrp/TotalAmt | 0 | 9592 |
| IRS990/FeesForServicesLegalGrp/TotalAmt | 0 | 0 |
| IRS990/FeesForServicesLobbyingGrp/TotalAmt | 0 | 0 |
| IRS990/FeesForServicesManagementGrp/TotalAmt | 0 | 0 |
| IRS990/FeesForServicesOtherGrp/TotalAmt | 0 | 0 |
| IRS990/FeesForServicesProfFundraising/TotalAmt | 0 | 0 |
| IRS990/FeesForSrvcInvstMgmntFeesGrp/TotalAmt | 0 | 21646 |
| IRS990/ForeignActivitiesInd | 0 | 0 |
| IRS990/ForeignFinancialAccountInd | 0 | 0 |
| IRS990/ForeignGrantsGrp/TotalAmt | 0 | 0 |
| IRS990/ForeignOfficeInd | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 6 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 7 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 0 | 45 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 1 | 2.0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 2 | 2 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 3 | 2 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 4 | 2 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 5 | 2 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 6 | 2 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 7 | 0 |
| IRS990/Form990PartVIISectionAGrp/FormerOfcrDirectorTrusteeInd | 0 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 0 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 1 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 2 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 3 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 4 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 5 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 6 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 0 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 1 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 2 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 3 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 4 | X |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 0 | 23027 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 6 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 7 | 0 |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 0 | Jocelyn Kapalski |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 1 | Michael Beard |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 2 | John Hanten |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 3 | Gary Cohen |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 4 | Melissa Hinch |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 5 | Janice Rogers |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 6 | Wanda Stephanow |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 7 | Mike Jung |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 0 | 151630 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 6 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 7 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 6 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 7 | 0 |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 0 | President/CEO |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 1 | Chairman of Board |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 2 | Vice-Chairman |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 3 | Treasurer of Board |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 4 | Board Secretary |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 5 | Director |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 6 | Director |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 7 | Vice-Chairman |
| IRS990/Form990ProvidedToGvrnBodyInd | 0 | 0 |
| IRS990/FormationYr | 0 | 1952 |
| IRS990/FormerOfcrEmployeesListedInd | 0 | 1 |
| IRS990/FSAuditedBasisGrp/ConsolAndSepBasisFinclStmtInd | 0 | X |
| IRS990/FSAuditedInd | 0 | 1 |
| IRS990/FundraisingActivitiesInd | 0 | 0 |
| IRS990/GainOrLossGrp/OtherAmt | 0 | 0 |
| IRS990/GainOrLossGrp/SecuritiesAmt | 0 | 0 |
| IRS990/GamingActivitiesInd | 0 | 0 |
| IRS990/GoverningBodyVotingMembersCnt | 0 | 7 |
| IRS990/GrantsPayableGrp/BOYAmt | 0 | 0 |
| IRS990/GrantsPayableGrp/EOYAmt | 0 | 0 |
| IRS990/GrantsToDomesticIndividualsGrp/TotalAmt | 0 | 0 |
| IRS990/GrantsToDomesticOrgsGrp/TotalAmt | 0 | 0 |
| IRS990/GrantsToIndividualsInd | 0 | 0 |
| IRS990/GrantsToOrganizationsInd | 0 | 0 |
| IRS990/GrantToRelatedPersonInd | 0 | 0 |
| IRS990/GrossReceiptsAmt | 0 | 452540 |
| IRS990/GroupReturnForAffiliatesInd | 0 | 0 |
| IRS990/IncludeFIN48FootnoteInd | 0 | 0 |
| IRS990/IncmFromInvestBondProceedsGrp/ExclusionAmt | 0 | 0 |
| IRS990/IncmFromInvestBondProceedsGrp/RelatedOrExemptFuncIncomeAmt | 0 | 0 |
| IRS990/IncmFromInvestBondProceedsGrp/TotalRevenueColumnAmt | 0 | 0 |
| IRS990/IncmFromInvestBondProceedsGrp/UnrelatedBusinessRevenueAmt | 0 | 0 |
| IRS990/IndependentAuditFinclStmtInd | 0 | 0 |
| IRS990/IndependentVotingMemberCnt | 0 | 6 |
| IRS990/IndivRcvdGreaterThan100KCnt | 0 | 1 |
| IRS990/IndoorTanningServicesInd | 0 | 0 |
| IRS990/InfoInScheduleOPartVIInd | 0 | X |
| IRS990/InformationTechnologyGrp/TotalAmt | 0 | 110884 |
| IRS990/InsuranceGrp/TotalAmt | 0 | 0 |
| IRS990/IntangibleAssetsGrp/BOYAmt | 0 | 0 |
| IRS990/IntangibleAssetsGrp/EOYAmt | 0 | 0 |
| IRS990/InterestGrp/TotalAmt | 0 | 6 |
| IRS990/InventoriesForSaleOrUseGrp/BOYAmt | 0 | 0 |
| IRS990/InventoriesForSaleOrUseGrp/EOYAmt | 0 | 0 |
| IRS990/InvestmentExpenseAmt | 0 | 0 |
| IRS990/InvestmentIncomeGrp/ExclusionAmt | 0 | 180032 |
| IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt | 0 | 0 |
| IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt | 0 | 180032 |
| IRS990/InvestmentIncomeGrp/UnrelatedBusinessRevenueAmt | 0 | 0 |
| IRS990/InvestmentInJointVentureInd | 0 | 0 |
| IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt | 0 | 20486562 |
| IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt | 0 | 18498207 |
| IRS990/InvestmentsProgramRelatedGrp/BOYAmt | 0 | 0 |
| IRS990/InvestmentsProgramRelatedGrp/EOYAmt | 0 | 0 |
| IRS990/InvestmentsPubTradedSecGrp/BOYAmt | 0 | 0 |
| IRS990/InvestmentsPubTradedSecGrp/EOYAmt | 0 | 0 |
| IRS990/IRPDocumentCnt | 0 | 426 |
| IRS990/IRPDocumentW2GCnt | 0 | 0 |
| IRS990/LandBldgEquipAccumDeprecAmt | 0 | 49638 |
| IRS990/LandBldgEquipBasisNetGrp/BOYAmt | 0 | 85 |
| IRS990/LandBldgEquipBasisNetGrp/EOYAmt | 0 | 85 |
| IRS990/LandBldgEquipCostOrOtherBssAmt | 0 | 49723 |
| IRS990/LegalDomicileStateCd | 0 | TX |
| IRS990/LoanOutstandingInd | 0 | 0 |
| IRS990/LoansFromOfficersDirectorsGrp/BOYAmt | 0 | 0 |
| IRS990/LoansFromOfficersDirectorsGrp/EOYAmt | 0 | 0 |
| IRS990/LocalChaptersInd | 0 | 0 |
| 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 | 5107681 |
| IRS990/NetAssetsOrFundBalancesEOYAmt | 0 | 4823298 |
| IRS990/NetUnrelatedBusTxblIncmAmt | 0 | 0 |
| IRS990/NetUnrlzdGainsLossesInvstAmt | 0 | 0 |
| IRS990/NondeductibleContributionsInd | 0 | 0 |
| IRS990/OccupancyGrp/TotalAmt | 0 | 38255 |
| IRS990/OfficeExpensesGrp/TotalAmt | 0 | 59889 |
| IRS990/OfficerMailingAddressInd | 0 | 0 |
| IRS990/OperateHospitalInd | 0 | 0 |
| IRS990/Organization501cInd | 0 | X |
| IRS990/OrgDoesNotFollowFASB117Ind | 0 | X |
| IRS990/OtherAssetsTotalGrp/BOYAmt | 0 | 1417249 |
| IRS990/OtherAssetsTotalGrp/EOYAmt | 0 | 1459101 |
| IRS990/OtherChangesInNetAssetsAmt | 0 | 0 |
| IRS990/OtherEmployeeBenefitsGrp/TotalAmt | 0 | 32140 |
| IRS990/OtherExpensesGrp/Desc | 0 | Loan Services |
| IRS990/OtherExpensesGrp/Desc | 1 | Member Services |
| IRS990/OtherExpensesGrp/Desc | 2 | Association Dues |
| IRS990/OtherExpensesGrp/Desc | 3 | Operating Fees |
| IRS990/OtherExpensesGrp/TotalAmt | 0 | 38014 |
| IRS990/OtherExpensesGrp/TotalAmt | 1 | 34848 |
| IRS990/OtherExpensesGrp/TotalAmt | 2 | 9078 |
| IRS990/OtherExpensesGrp/TotalAmt | 3 | 5804 |
| IRS990/OtherLiabilitiesGrp/BOYAmt | 0 | 22555122 |
| IRS990/OtherLiabilitiesGrp/EOYAmt | 0 | 20617102 |
| IRS990/OtherRevenueMiscGrp/BusinessCd | 0 | 522130 |
| IRS990/OtherRevenueMiscGrp/BusinessCd | 1 | 522130 |
| IRS990/OtherRevenueMiscGrp/Desc | 0 | COLI Insurance |
| IRS990/OtherRevenueMiscGrp/Desc | 1 | Dividends on NCUA Stabilization Fund on Corp CU |
| IRS990/OtherRevenueMiscGrp/ExclusionAmt | 0 | 0 |
| IRS990/OtherRevenueMiscGrp/ExclusionAmt | 1 | 0 |
| IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt | 0 | 32214 |
| IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt | 1 | 14300 |
| IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt | 0 | 32214 |
| IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt | 1 | 14300 |
| IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt | 0 | 0 |
| IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt | 1 | 0 |
| IRS990/OtherRevenueTotalAmt | 0 | 46514 |
| IRS990/OtherSalariesAndWagesGrp/TotalAmt | 0 | 113412 |
| IRS990/OthNotesLoansReceivableNetGrp/BOYAmt | 0 | 5518077 |
| IRS990/OthNotesLoansReceivableNetGrp/EOYAmt | 0 | 5245950 |
| IRS990/PartialLiquidationInd | 0 | 0 |
| IRS990/PaymentsToAffiliatesGrp/TotalAmt | 0 | 0 |
| IRS990/PayrollTaxesGrp/TotalAmt | 0 | 20375 |
| IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt | 0 | 0 |
| IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt | 0 | 0 |
| IRS990/PensionPlanContributionsGrp/TotalAmt | 0 | 15072 |
| IRS990/PledgesAndGrantsReceivableGrp/BOYAmt | 0 | 0 |
| IRS990/PledgesAndGrantsReceivableGrp/EOYAmt | 0 | 0 |
| IRS990/PoliticalCampaignActyInd | 0 | 0 |
| IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt | 0 | 69761 |
| IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt | 0 | 43036 |
| IRS990/PrincipalOfficerNm | 0 | Jocelyn Jackie 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 |
| IRS990/ProgramServiceRevenueGrp/ExclusionAmt | 0 | 0 |
| IRS990/ProgramServiceRevenueGrp/ExclusionAmt | 1 | 0 |
| IRS990/ProgramServiceRevenueGrp/ExclusionAmt | 2 | 0 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 196369 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 1 | 10229 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 2 | 19396 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 0 | 196369 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 1 | 10229 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 2 | 19396 |
| 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 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 2022 resulted in 34 loans and $1,519,052. |
| IRS990/ProgSrvcAccomActy2Grp/ExpenseAmt | 0 | 38014 |
| IRS990/ProgSrvcAccomActy2Grp/RevenueAmt | 0 | 95338 |
| IRS990/ProgSrvcAccomActy3Grp/Desc | 0 | CTECU provides competitive rates on deposit accounts, promoting thrift among its membership of over 1400 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 2022 resulted in 1,971 accounts and totaling $20,617,012 in outstanding balances as of 12/31/2022. |
| IRS990/ProgSrvcAccomActy3Grp/ExpenseAmt | 0 | 34848 |
| IRS990/ProhibitedTaxShelterTransInd | 0 | 0 |
| IRS990/PYBenefitsPaidToMembersAmt | 0 | 59766 |
| IRS990/PYContributionsGrantsAmt | 0 | 0 |
| IRS990/PYGrantsAndSimilarPaidAmt | 0 | 0 |
| IRS990/PYInvestmentIncomeAmt | 0 | 150215 |
| IRS990/PymtTravelEntrtnmntPubOfclGrp/TotalAmt | 0 | 0 |
| IRS990/PYOtherExpensesAmt | 0 | 283863 |
| IRS990/PYOtherRevenueAmt | 0 | 251299 |
| IRS990/PYProgramServiceRevenueAmt | 0 | 249397 |
| IRS990/PYRevenuesLessExpensesAmt | 0 | -30115 |
| IRS990/PYSalariesCompEmpBnftPaidAmt | 0 | 337397 |
| IRS990/PYTotalExpensesAmt | 0 | 681026 |
| IRS990/PYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/PYTotalRevenueAmt | 0 | 650911 |
| IRS990/RcvblFromDisqualifiedPrsnGrp/BOYAmt | 0 | 0 |
| IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt | 0 | 0 |
| IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt | 0 | 0 |
| IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt | 0 | 0 |
| IRS990/ReconcilationRevenueExpnssAmt | 0 | -284383 |
| 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 | 1 |
| IRS990/ReportOtherLiabilitiesInd | 0 | 1 |
| IRS990/ReportProgramRelatedInvstInd | 0 | 0 |
| IRS990/RevenueAmt | 0 | 82712 |
| 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 | 5107681 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt | 0 | 4823298 |
| IRS990/SavingsAndTempCashInvstGrp/BOYAmt | 0 | 146085 |
| IRS990/SavingsAndTempCashInvstGrp/EOYAmt | 0 | 219691 |
| 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 | 85 |
| IRS990ScheduleD/EquipmentGrp/DepreciationAmt | 0 | 49638 |
| IRS990ScheduleD/EquipmentGrp/InvestmentCostOrOtherBasisAmt | 0 | 0 |
| IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt | 0 | 49723 |
| IRS990ScheduleD/FederalIncomeTaxLiabilityAmt | 0 | 0 |
| IRS990ScheduleD/FinancialDerivativesGrp/BookValueAmt | 0 | 0 |
| IRS990ScheduleD/LandGrp/BookValueAmt | 0 | 0 |
| IRS990ScheduleD/LandGrp/InvestmentCostOrOtherBasisAmt | 0 | 0 |
| IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt | 0 | 0 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt | 0 | 0 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt | 0 | 0 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/InvestmentCostOrOtherBasisAmt | 0 | 0 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt | 0 | 0 |
| IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt | 0 | 1000000 |
| IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt | 1 | 293217 |
| IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt | 2 | 156592 |
| IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt | 3 | 18327 |
| IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt | 4 | 7776 |
| IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt | 5 | 5226 |
| IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt | 6 | -22037 |
| IRS990ScheduleD/OtherAssetsOrgGrp/Desc | 0 | COLI Insurance |
| IRS990ScheduleD/OtherAssetsOrgGrp/Desc | 1 | American Share Insurance |
| IRS990ScheduleD/OtherAssetsOrgGrp/Desc | 2 | COLI - Cash Surrender Value |
| IRS990ScheduleD/OtherAssetsOrgGrp/Desc | 3 | Accrued Interest on Investments |
| IRS990ScheduleD/OtherAssetsOrgGrp/Desc | 4 | Accrued Interest on Loans |
| IRS990ScheduleD/OtherAssetsOrgGrp/Desc | 5 | Accrued Interest on Real Estate Loans |
| IRS990ScheduleD/OtherAssetsOrgGrp/Desc | 6 | Allowance for Loan Losses |
| IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt | 0 | 0 |
| IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt | 0 | 0 |
| IRS990ScheduleD/OtherLandBuildingsGrp/InvestmentCostOrOtherBasisAmt | 0 | 0 |
| IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt | 0 | 0 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 0 | 20617102 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 0 | Members Shares and Deposits |
| IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt | 0 | 15748000 |
| IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt | 1 | 1252207 |
| IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt | 2 | 1498000 |
| IRS990ScheduleD/OtherSecuritiesGrp/Desc | 0 | Deposits in Commercial Banks |
| IRS990ScheduleD/OtherSecuritiesGrp/Desc | 1 | Deposits in Corporate Federal Credit Unions |
| IRS990ScheduleD/OtherSecuritiesGrp/Desc | 2 | Deposits in other Credit Unions |
| IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd | 0 | C |
| IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd | 1 | C |
| IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd | 2 | C |
| IRS990ScheduleD/TotalBookValueLandBuildingsAmt | 0 | 85 |
| IRS990ScheduleD/TotalBookValueOtherAssetsAmt | 0 | 1459101 |
| IRS990ScheduleD/TotalBookValueSecuritiesAmt | 0 | 18498207 |
| IRS990ScheduleD/TotalLiabilityAmt | 0 | 20617102 |
| IRS990ScheduleJ/BoardOrCommitteeApprovalInd | 0 | X |
| IRS990ScheduleJ/CompensationCommitteeInd | 0 | X |
| IRS990ScheduleJ/CompensationSurveyInd | 0 | X |
| IRS990ScheduleJ/EquityBasedCompArrngmInd | 0 | 0 |
| IRS990/ScheduleJRequiredInd | 0 | 1 |
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