Civic Intelligence

Cte Credit Union

990 • Fiscal year 2010 • EIN 74-1199174

Jan 01, 2010 to Dec 31, 2010 • Filed on May 11, 2011

Organization ProfileWWW.CTECU.ORG

View Organization Page

4800 Fournace Btf-8 No 11677402
Siviq Scores

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

Liabilities / Assets

58th percentile

0.89x

Higher debt load relative to assets than 58% of similar nonprofits.

2010 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2010

Liabilities / Revenue

Score unavailable

No value available

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

Source year 2010

Net Margin

Score unavailable

No value available

Net margin requires both revenue and expenses on this filing.

Source year 2010

Top Officer Pay

Score unavailable

No value available

This filing does not contain officer compensation rows.

Source year 2010

Asset Growth

Score unavailable

No value available

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

Source year 2010

Revenue Growth

Score unavailable

No value available

No valid filing value is available for this score.

Balance Sheet
Liabilities / Assets58th percentile

Assets

$45,825,695

No earlier filing loaded for comparison.

Net Assets

$5,012,630

No earlier filing loaded for comparison.

Liabilities

$40,813,065

No earlier filing loaded for comparison.

Revenue And Expenses
Liabilities / RevenueScore unavailableNet MarginScore unavailable

Revenue

-

No earlier filing loaded for comparison.

Expenses

$1,865,229

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.

$60M$40M$20M$0Assets 2010: $45,825,695Liabilities 2010: $40,813,065Net Assets 2010: $5,012,6302010Assets 2011: $50,449,021Liabilities 2011: $45,347,101Net Assets 2011: $5,101,9202011Assets 2012: $56,943,376Liabilities 2012: $51,663,273Net Assets 2012: $5,280,1032012Assets 2013: $55,066,260Liabilities 2013: $49,661,716Net Assets 2013: $5,404,5442013Assets 2014: $49,713,912Liabilities 2014: $44,471,252Net Assets 2014: $5,242,6602014Assets 2015: $43,200,508Liabilities 2015: $38,103,042Net Assets 2015: $5,097,4662015Assets 2016: $37,909,667Liabilities 2016: $32,821,949Net Assets 2016: $5,087,7182016Assets 2017: $33,721,363Liabilities 2017: $28,638,599Net Assets 2017: $5,082,7642017Assets 2018: $28,217,862Liabilities 2018: $23,134,900Net Assets 2018: $5,082,9622018Assets 2019: $26,402,411Liabilities 2019: $21,324,312Net Assets 2019: $5,078,0992019Assets 2020: $27,020,250Liabilities 2020: $21,882,454Net Assets 2020: $5,137,7962020Assets 2021: $27,690,825Liabilities 2021: $22,583,144Net Assets 2021: $5,107,6812021Assets 2022: $25,500,038Liabilities 2022: $20,676,740Net Assets 2022: $4,823,2982022

Highlighted filing

2010

Assets$45,825,695
Liabilities$40,813,065
Net Assets$5,012,630
Open 2010 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$2.0M$1.0M$0-$1.0MExpenses 2010: $1,865,2292010Expenses 2011: $1,620,4192011Expenses 2012: $1,523,2712012Revenue 2013: $1,453,991Expenses 2013: $1,329,550Net Income 2013: $124,4412013Revenue 2014: $941,596Expenses 2014: $1,103,480Net Income 2014: -$161,8842014Revenue 2015: $885,072Expenses 2015: $1,030,266Net Income 2015: -$145,1942015Revenue 2016: $838,672Expenses 2016: $848,420Net Income 2016: -$9,7482016Revenue 2017: $792,562Expenses 2017: $797,516Net Income 2017: -$4,9542017Revenue 2018: $748,524Expenses 2018: $748,326Net Income 2018: $1982018Revenue 2019: $721,993Expenses 2019: $726,856Net Income 2019: -$4,8632019Revenue 2020: $733,651Expenses 2020: $673,954Net Income 2020: $59,6972020Revenue 2021: $650,911Expenses 2021: $681,026Net Income 2021: -$30,1152021Revenue 2022: $452,540Expenses 2022: $736,923Net Income 2022: -$284,3832022

Highlighted filing

2010

Revenue-
Expenses$1,865,229
Net Income-
Open 2010 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2010 to Dec 31, 2010
Signed
May 11, 2011
Return Version
2010v3.2
Gross Receipts
$1,765,332
Mission and Program Overview

Mission

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.

Major Activities

Activity 2
Ctecu provides low-rate vehicle loans for members. Ctecu also provides free-no cost semi-annual car buying seminars to educate our membership and promote prudent financial behavior and planning. All at no cost to membership and potential members-employees of chevron corporation. Ctecu provides low-cost consumer loans for recreational vehicles as well as boats, boat motors & trailers and motorcycles. Ctecu also provides share secured loans to assist membership in establishing credit history if they have no credit history. Financial counseling is provided for those members that may have financial difficulties and need guidance with their finances. Debt consolidation loans and other unsecured signature loans are also available.
Activity 3
Ctecu offers competitive interest rate returns, promoting thrift amoung our membership of over 2,100 members, thus promotiing prudent financial behavior and planning. Ctecu provided above market rates for shares (savings) accounts, ira accounts, and share draft (checking) accounts as well as above market cd-certificate of deposits. Dividends are paid monthly. Keeping our operating cost down and paying above market returns on our members deposits. Members have access to their accounts via the shared branching network or telephone access via aru-audio response unit on a 24/7 basis, as well as internet access via mia-member's internet access on a 24/7 basis, and access to atm's worldwide via atm or debit cards.
Filing and Contact Details

Filer

EIN
74-1199174
Raw XML Appendix394 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/Activity2/Description0CTECU PROVIDES LOW-RATE VEHICLE LOANS FOR MEMBERS. CTECU ALSO PROVIDES FREE-NO COST SEMI-ANNUAL CAR BUYING SEMINARS TO EDUCATE OUR MEMBERSHIP AND PROMOTE PRUDENT FINANCIAL BEHAVIOR AND PLANNING. ALL AT NO COST TO MEMBERSHIP AND POTENTIAL MEMBERS-EMPLOYEES OF CHEVRON CORPORATION. CTECU PROVIDES LOW-COST CONSUMER LOANS FOR RECREATIONAL VEHICLES AS WELL AS BOATS, BOAT MOTORS & TRAILERS AND MOTORCYCLES. CTECU ALSO PROVIDES SHARE SECURED LOANS TO ASSIST MEMBERSHIP IN ESTABLISHING CREDIT HISTORY IF THEY HAVE NO CREDIT HISTORY. FINANCIAL COUNSELING IS PROVIDED FOR THOSE MEMBERS THAT MAY HAVE FINANCIAL DIFFICULTIES AND NEED GUIDANCE WITH THEIR FINANCES. DEBT CONSOLIDATION LOANS AND OTHER UNSECURED SIGNATURE LOANS ARE ALSO AVAILABLE.
IRS990/Activity3/Description0CTECU OFFERS COMPETITIVE INTEREST RATE RETURNS, PROMOTING THRIFT AMOUNG OUR MEMBERSHIP OF OVER 2,100 MEMBERS, THUS PROMOTIING PRUDENT FINANCIAL BEHAVIOR AND PLANNING. CTECU PROVIDED ABOVE MARKET RATES FOR SHARES (SAVINGS) ACCOUNTS, IRA ACCOUNTS, AND SHARE DRAFT (CHECKING) ACCOUNTS AS WELL AS ABOVE MARKET CD-CERTIFICATE OF DEPOSITS. DIVIDENDS ARE PAID MONTHLY. KEEPING OUR OPERATING COST DOWN AND PAYING ABOVE MARKET RETURNS ON OUR MEMBERS DEPOSITS. MEMBERS HAVE ACCESS TO THEIR ACCOUNTS VIA THE SHARED BRANCHING NETWORK OR TELEPHONE ACCESS VIA ARU-AUDIO RESPONSE UNIT ON A 24/7 BASIS, AS WELL AS INTERNET ACCESS VIA MIA-MEMBER'S INTERNET ACCESS ON A 24/7 BASIS, AND ACCESS TO ATM'S WORLDWIDE VIA ATM OR DEBIT CARDS.
IRS990/ActivityOrMissionDescription0THE 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 AND PROMPT MEMBER SERVICE. CTE CREDIT UNION IS DEDICATED TO PROVIDING EDUCATION TO MEMBERSHIP AND PROMOTING PRUDENT FINANCIAL BEHAVIOR AND PLANNING.
IRS990/ActivityOther/Description0CTECU PROVIDES NO FEE MASTERCARD CREDIT CARDS, MINIMAL FEE VISA DEBIT CARDS, AND ATM CARDS. MEMBERS HAVE ACCESS TO THEIR ACCOUNTS VIA THE SHARED BRANCHING NETWORK OR TELEPHONE ACCESS VIA ARU (AUDIO RESPONSE UNIT), AS WELL AS INTERNET ACCESS VIA MIA (MEMBER'S INTERNET ACCESS) ON A 24/7 BASIS. MEMBERS ALSO HAVE ACCESS TO ATMS WORLDWIDE VIA ATM OR DEBIT CARDS.
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IRS990/MissionDescription0CTE CREDIT UNION (CTECU) IS A COOPERATIVE, MEMBER-OWNED, NON-PROFIT PROVIDER OF FINANCIAL SERVICES TO IT'S MEMBERS. CTECU IS A FEDERALLY INSURED CREDIT UNION VIA THE NATIONAL CREDIT UNION ADMINISTRATION'S SHARE INSURANCE FUND (NCUSIF). CTECU IS A STATE CHARTERED CREDIT UNION REGULATED BY THE STATE OF TEXAS CREDIT UNION DEPARTMENT AS WELL AS THE NATIONAL CREDIT UNION ADMINISTRATION (NCUA). CTECU OFFERS PRODUCTS AND SERVICES IN SIX PRIMARY AREAS: SHARE ACCOUNTS, TERM SHARE CERTIFICATES OF DEPOSIT, IRA - INDIVIDUAL RETIREMENT ACCOUNTS, SHARE DRAFT (CHECKING) ACCOUNTS, CONSUMER LOANS, AND REAL ESTATE LOANS.
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IRS990ScheduleD/Form990ScheduleDPartXIV/Explanation0THE CREDIT UNION HOLDS FUNDS IN ESCORW IN ORDER TO PAY TAXES AND INSURANCE ON BEHALF OF ITS MORTGAGE LOAN MEMBERS.
IRS990ScheduleD/Form990ScheduleDPartXIV/Explanation1A FIN48 ANALYSIS WAS NOT COMPLETED FOR THE TAX YEAR ENDED 12/31/2010.
IRS990ScheduleD/Form990ScheduleDPartXIV/Identifier0DESCRIPTION OF UNCERTAIN TAX POSITIONS UNDER FIN 48:
IRS990ScheduleD/Form990ScheduleDPartXIV/ReturnReference0PART IV, LINE 2B:
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IRS990ScheduleD/OtherSecurities/Description1DEPOSITS IN OTHER CREDIT UNIONS
IRS990ScheduleD/OtherSecurities/Description2DEPOSITS IN CORP FEDERAL CREDIT UNIONS
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IRS990ScheduleO/GeneralExplanation/Explanation0THE 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/GeneralExplanation/Explanation1MEMBERS 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/GeneralExplanation/Explanation2MEMBERS 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/GeneralExplanation/Explanation3FORM 990 IS REVIEWED BY THE PRESIDENT PRIOR TO FILING WITH THE IRS. A COPY OF FORM 990 IS ALSO PROVIDED TO THE BOARD OF DIRECTORS.
IRS990ScheduleO/GeneralExplanation/Explanation4A REVIEW FOR CONFLICTS OF INTEREST IS PREFORMED BY EXTERNAL AUDITORS AND AN INTERNAL REVIEW IS COMPLETED BY MANAGEMENT STAFF.
IRS990ScheduleO/GeneralExplanation/Explanation5THE CHAIRMAN OF THE BOARD SEEKS COMPARABLE DATA FROM TCUL SALARY SURVEY AND PROVIDES RECOMMENDATIONS TO THE REMAINDER OF THE BOARD. THE PRESIDENT/MANAGER PREPARES EMPLOYEE REVIEWS FOR THE BOARD'S REVIEW ON THE ASSISTANT MANAGER AND BRANCH MANAGERS ALONG WITH COMPARABLE DATA FROM TCUL SALARY SURVEY AND RECOMMENDATIONS.
IRS990ScheduleO/GeneralExplanation/Explanation6GOVERNING DOCUMENTS, POLICIES, AND FINANCIAL STATEMENTS ARE AVAILALBE UPON WRITTEN REQUEST AND ARE POSTED ON THE CREDIT UNION'S WEB SITE.
IRS990ScheduleO/GeneralExplanation/Identifier0FORM 990, PART VI, SECTION A, LINE 6
IRS990ScheduleO/GeneralExplanation/Identifier1FORM 990, PART VI, SECTION A, LINE 7A
IRS990ScheduleO/GeneralExplanation/Identifier2FORM 990, PART VI, SECTION A, LINE 7B
IRS990ScheduleO/GeneralExplanation/Identifier3FORM 990, PART VI, SECTION B, LINE 11
IRS990ScheduleO/GeneralExplanation/ReturnReference0FORM 990, PART VI, SECTION B, LINE 12C
IRS990ScheduleO/GeneralExplanation/ReturnReference1FORM 990, PART VI, SECTION B, LINE 15
IRS990ScheduleO/GeneralExplanation/ReturnReference2FORM 990, PART VI, SECTION C, LINE 19
IRS990/ScheduleORequired01
IRS990/School00
IRS990/SignificantChange00
IRS990/SignificantNewProgramServices00
IRS990/StateLegalDomicile0TX
IRS990/TaxablePartyNotification00
IRS990/TaxExemptBonds00
IRS990/Terminated00
IRS990/TermOrPermanentEndowments00
IRS990/TheBooksAreInCareOf/AddressUS/AddressLine104800 FOURNACE BTF-8 NO 116
IRS990/TheBooksAreInCareOf/AddressUS/City0BELLAIRE
IRS990/TheBooksAreInCareOf/AddressUS/State0TX
IRS990/TheBooksAreInCareOf/AddressUS/ZIPCode077402
IRS990/TheBooksAreInCareOf/NameBusiness/BusinessNameLine10THE ORGANIZATION
IRS990/TheBooksAreInCareOf/TelephoneNumber07134326224
IRS990/TotalAssets/BOY043179974
IRS990/TotalAssetsBOY043179974
IRS990/TotalAssets/EOY045825695
IRS990/TotalAssetsEOY045825695
IRS990/TotalCompGT150K00
IRS990/TotalExpensesCurrentYear01865229
IRS990/TotalExpensesPriorYear02047838
IRS990/TotalFunctionalExpenses/Total01865229
IRS990/TotalFundrsngExpCurrentYear00
IRS990/TotalGrossUBI00
IRS990/TotalLiabilities/BOY038067447
IRS990/TotalLiabilitiesBOY038067447
IRS990/TotalLiabilities/EOY040813065
IRS990/TotalLiabilitiesEOY040813065
IRS990/TotalLiabNetAssetsFundBalances/BOY043179974
IRS990/TotalLiabNetAssetsFundBalances/EOY045825695
IRS990/TotalNbrEmployees012
IRS990/TotalNbrVolunteers019
IRS990/TotalNetAssetsFundBalances/BOY05112527
IRS990/TotalNetAssetsFundBalances/EOY05012630
IRS990/TotalOtherCompensation014112
IRS990/TotalProfFundrsngExpCY00
IRS990/TotalProfFundrsngExpPriorYear00
IRS990/TotalProgramServiceRevenue0410525
IRS990/TotalReportableCompFrmRltdOrgs00
IRS990/TotalReportableCompFromOrg0108988
IRS990/TotalRevenueCurrentYear01765332
IRS990/TotalRevenue/ExclusionAmount01354807
IRS990/TotalRevenuePriorYear02020138
IRS990/TotalRevenue/RelatedOrExemptFunctionIncome0410525
IRS990/TotalRevenue/TotalRevenueColumn01765332
IRS990/TotalRevenue/UnrelatedBusinessRevenue00
IRS990/TransactionRelatedEntity00
IRS990/Travel/Total010214
IRS990/TypeOfOrganizationCorporation0X
IRS990/UnrelatedBusinessIncome00
IRS990/UponRequest0X
IRS990/WebSite0WWW.CTECU.ORG
IRS990/WhistleblowerPolicy01
IRS990/YearFormation01952
ReturnHeader/BuildTS02016-02-24 21:20:13Z
ReturnHeader/Filer/EIN0741199174
ReturnHeader/Filer/Name/BusinessNameLine10CTE CREDIT UNION
ReturnHeader/Filer/NameControl0CTEC
ReturnHeader/Filer/Phone07134326224
ReturnHeader/Filer/USAddress/AddressLine104800 FOURNACE BTF-8 NO 116
ReturnHeader/Filer/USAddress/City0BELLAIRE
ReturnHeader/Filer/USAddress/State0TX
ReturnHeader/Filer/USAddress/ZIPCode077402
ReturnHeader/Officer/AuthorizeThirdParty01
ReturnHeader/Officer/DateSigned02011-05-11
ReturnHeader/Officer/Name0JOCELYN KAPALSKI
ReturnHeader/Officer/Phone07134326224
ReturnHeader/Officer/Title0PRESIDENT/MANAGER
ReturnHeader/PreparerFirm/PreparerFirmBusinessName/BusinessNameLine10RSM MCGLADREY INC
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/AddressLine10801 NICOLLET MALL SUITE 1100
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/City0MINNEAPOLIS
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/State0MN
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/ZIPCode055402
ReturnHeader/Preparer/Name0COLLIN F BUZZELL
ReturnHeader/Preparer/Phone06125738750
ReturnHeader/ReturnType0990
ReturnHeader/TaxPeriodBeginDate02010-01-01
ReturnHeader/TaxPeriodEndDate02010-12-31
ReturnHeader/TaxYear02010
ReturnHeader/Timestamp02011-05-11T13:48:05-05:00

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2010 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$45,825,695
Liabilities
$40,813,065
Net assets
$5,012,630
Revenue
-
Expenses
$1,865,229
Net income
-
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2022Detailed filing. Detailed filing data is available for this year.$25.5$20.7$4.82$0.45$0.74$0.28
2021Detailed filing. Detailed filing data is available for this year.$27.7$22.6$5.11$0.65$0.68$0.03
2020Detailed filing. Detailed filing data is available for this year.$27.0$21.9$5.14$0.73$0.67$0.06
2019Detailed filing. Detailed filing data is available for this year.$26.4$21.3$5.08$0.72$0.73$0.00
2018Detailed filing. Detailed filing data is available for this year.$28.2$23.1$5.08$0.75$0.75$0.00
2017Detailed filing. Detailed filing data is available for this year.$33.7$28.6$5.08$0.79$0.80$0.00
2016Detailed filing. Detailed filing data is available for this year.$37.9$32.8$5.09$0.84$0.85$0.01
2015Detailed filing. Detailed filing data is available for this year.$43.2$38.1$5.10$0.89$1.03$0.15
2014Detailed filing. Detailed filing data is available for this year.$49.7$44.5$5.24$0.94$1.10$0.16
2013Detailed filing. Detailed filing data is available for this year.$55.1$49.7$5.40$1.45$1.33$0.12
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$56.9$51.7$5.28$1.52
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$50.4$45.3$5.10$1.62
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$45.8$40.8$5.01$1.87