Civic Intelligence

Navy Army Community Credit Union

990 • Fiscal year 2016 • EIN 74-1237070

Jan 01, 2016 to Dec 31, 2016 • Filed on Nov 13, 2017

2730 Rodd Field RoadCorpus Christi, TX 78414

(361) 986-4500

Siviq Scores

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

Liabilities / Assets

54th percentile

0.90x

Higher debt load relative to assets than 54% of similar nonprofits.

2016 filings • 501(c)14 • $1B+ nonprofits • Source year 2016

Liabilities / Revenue

17th percentile

16.36x

Higher debt load relative to revenue than 17% of similar nonprofits.

2016 filings • 501(c)14 • $1B+ nonprofits • Source year 2016

Net Margin

56th percentile

20%

Higher net margin than 56% of similar nonprofits.

2016 filings • 501(c)14 • $1B+ nonprofits • Source year 2016

Top Officer Pay

14th percentile

$504,837

Higher top officer pay than 14% of similar nonprofits.

Top officer pay equals 0.4% of source-year revenue.

2016 filings • 501(c)14 • $1B+ nonprofits • Source year 2016

Asset Growth

21st percentile

5.8%

Faster asset growth than 21% of similar nonprofits.

2016 filings • 501(c)14 • $1B+ nonprofits • Annualized from 2015 to 2016

Revenue Growth

12th percentile

3.9%

Faster revenue growth than 12% of similar nonprofits.

2016 filings • 501(c)14 • $1B+ nonprofits • Annualized from 2015 to 2016

Assets

Up

$2,498,149,588

Up $136,784,380 (+5.8%) from 2015

Net Assets

Up

$257,078,187

Up $25,280,673 (+11%) from 2015

Liabilities

Up

$2,241,071,401

Up $111,503,707 (+5.2%) from 2015

Revenue

Up

$136,976,852

Up $5,179,358 (+3.9%) from 2015

Expenses

Up

$109,853,563

Up $5,326,840 (+5.1%) from 2015

Net Income

Down

$27,123,289

Down $147,482 (-0.5%) from 2015

Historical Trend

Balance Sheet Trend

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

$6.0B$4.0B$2.0B$0Assets 2011: $1,326,759,805Liabilities 2011: $1,201,300,965Net Assets 2011: $125,458,8402011Assets 2012: $1,675,627,885Liabilities 2012: $1,520,453,169Net Assets 2012: $155,174,7172012Assets 2013: $2,004,665,638Liabilities 2013: $1,818,888,587Net Assets 2013: $185,777,0512013Assets 2014: $2,247,270,292Liabilities 2014: $2,038,230,814Net Assets 2014: $209,039,4782014Assets 2015: $2,361,365,208Liabilities 2015: $2,129,567,694Net Assets 2015: $231,797,5142015Assets 2016: $2,498,149,588Liabilities 2016: $2,241,071,401Net Assets 2016: $257,078,1872016Assets 2017: $2,700,862,976Liabilities 2017: $2,421,583,431Net Assets 2017: $279,279,5452017Assets 2018: $2,970,687,295Liabilities 2018: $2,666,599,437Net Assets 2018: $304,087,8582018Assets 2019: $3,263,904,258Liabilities 2019: $2,926,197,272Net Assets 2019: $337,706,9862019Assets 2020: $3,664,310,843Liabilities 2020: $3,299,722,836Net Assets 2020: $364,588,0072020Assets 2021: $4,042,196,028Liabilities 2021: $3,611,905,350Net Assets 2021: $430,290,6782021Assets 2022: $4,104,675,190Liabilities 2022: $3,589,789,208Net Assets 2022: $514,885,9822022Assets 2023: $4,302,657,272Liabilities 2023: $3,739,655,182Net Assets 2023: $563,002,0902023Assets 2024: $4,502,405,665Liabilities 2024: $3,905,751,055Net Assets 2024: $596,654,6102024

Highlighted filing

2016

Assets$2,498,149,588
Liabilities$2,241,071,401
Net Assets$257,078,187

Operations Trend

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

$400M$300M$200M$100M$0Revenue 2011: $83,501,564Expenses 2011: $57,916,449Net Income 2011: $25,585,1152011Revenue 2012: $102,913,831Expenses 2012: $70,080,972Net Income 2012: $32,832,8592012Revenue 2013: $119,621,009Expenses 2013: $88,822,356Net Income 2013: $30,798,6532013Revenue 2014: $127,864,714Expenses 2014: $105,898,719Net Income 2014: $21,965,9952014Revenue 2015: $131,797,494Expenses 2015: $104,526,723Net Income 2015: $27,270,7712015Revenue 2016: $136,976,852Expenses 2016: $109,853,563Net Income 2016: $27,123,2892016Revenue 2017: $146,964,565Expenses 2017: $121,488,868Net Income 2017: $25,475,6972017Revenue 2018: $164,993,255Expenses 2018: $135,394,835Net Income 2018: $29,598,4202018Revenue 2019: $192,613,593Expenses 2019: $155,981,446Net Income 2019: $36,632,1472019Revenue 2020: $210,861,484Expenses 2020: $174,773,021Net Income 2020: $36,088,4632020Revenue 2021: $216,741,381Expenses 2021: $154,198,303Net Income 2021: $62,543,0782021Revenue 2022: $245,877,072Expenses 2022: $173,019,197Net Income 2022: $72,857,8752022Revenue 2023: $295,398,561Expenses 2023: $241,636,768Net Income 2023: $53,761,7932023Revenue 2024: $332,348,986Expenses 2024: $305,532,884Net Income 2024: $26,816,1022024

Highlighted filing

2016

Revenue$136,976,852
Expenses$109,853,563
Net Income$27,123,289
Jump To
Filing Snapshot
Filing Period
Jan 1, 2016 to Dec 31, 2016
Signed
Nov 13, 2017
Return Version
2016v3.0
Gross Receipts
$140,156,704
Mission and Program Overview

Mission

To meet the financial needs and goals of our members. Provide savings, share draft and share certificate accounts and auto, consumer and commercial loans.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$1,876,096,634$2,120,764,472▲ $244,667,838
Rtn Earn Endowment Incm Other Fnds$231,797,514$257,078,187▲ $25,280,673
Cash and Non-Interest-Bearing Accounts$245,478,271$190,958,171▼ $54,520,100
Investments in Publicly Traded Securities$101,217,019$50,972,633▼ $50,244,386
Land, Buildings, and Equipment, Net$41,911,268$40,222,092▼ $1,689,176
Prepaid Expenses and Deferred Charges$8,366,992$5,077,984▼ $3,289,008
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$2,361,365,208$2,498,149,588▲ $136,784,380
Other Assets Total$88,295,024$90,154,236▲ $1,859,212
Liabilities
Other Liabilities$2,106,610,020$2,229,751,297▲ $123,141,277
Accounts Payable and Accrued Expenses$22,957,674$11,320,104▼ $11,637,570
Total Liabilities$2,129,567,694$2,241,071,401▲ $111,503,707
Net Assets / Fund Balance
Total Net Assets Fund Balance$231,797,514$257,078,187▲ $25,280,673
Total Liabilities and Net Assets / Fund Balance$2,361,365,208$2,498,149,588▲ $136,784,380

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$28,711,977$10,619,759$39,331,736
Equipment$2,947,137$14,617,496$17,564,633
Other Land Buildings$1,577,787$11,276,662$12,854,449
Land$6,985,187-$6,985,187
Leasehold Improvements$4$1,002,719$1,002,723
Compensation and Service Providers

Employees

NameTitleFull / Part TimeBaseOtherTotal
SARAH O'BRIENPresident/CEOFT$369,941$142,771$512,712
Dana SiskCheif Operations OfficerFT$316,894$49,740$366,634
Gerry MorrowChief Lending OfficerFT$252,125$99,192$351,317
Shannon SrpChief Technology OfficerFT$261,431$64,941$326,372
Roman EscobarSVP of Mortgage LendingFT$162,875$43,392$206,267
Daniel DibbleSVP of Member Business ServicesFT$168,906$22,799$191,705
Carrie RiceChief Financial OfficerFT$142,477$43,999$186,476
Robert ObergChief Risk OfficerFT$172,337$13,466$185,803
Gary LankfordSVP Indirect LendingFT$148,738$30,495$179,233
Virginia WhithamVP Human ResourcesFT$142,849$28,800$171,649
Cynthia RamosSr. VP of Rgv OperationsFT$127,738$36,233$163,971
Ashley SmithVP MarketingFT$131,068$31,768$162,836
Clare FowlerVP Remote OperationsFT$132,837$24,692$157,529
Mark EstesVP Credit Admin.FT$135,991$17,267$153,258
Eloy SalazarChair-$24,000-$24,000
Bryan StoneSecretary-$20,700-$20,700
Pedro Rivera JrChair-$20,400-$20,400
John JacksonSecretary-$18,000-$18,000
Sylvia MartinezVice Chair-$16,200-$16,200
Don RymerDirector-$15,600-$15,600
Vick GonzalesDirector-$10,800-$10,800
Linda AndersonDirector-$3,700-$3,700
Gerald VillarrealDirector-$3,200-$3,200

Board Members and Trustees

NameTitle
John ChapmanDirector
Thelma MandelDirector
Theresa GonzalesDirector
Bob WestrupTreasurer

Highest Paid Contractors

ContractorServicesLocationCompensation
FiservProcessingPO BOX 99924, Grapevine, TX 76099$3,378,196
Morehead DottsAdvertising2767 SANTE FE STREET, Corpus Christi, TX 78404$1,320,829
Dgf ElectonicCash Replenishment5995 MAYFAIR RD, Canton, OH 44720$965,301
BeecroftConstructionPO BOX 2643, Corpus Christi, TX 78403$948,600
Settlement OneAccountingPO BOX 740310, Los Angeles, CA 90074$740,505
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$134,212,277
Investment Income
$1,315,749
Other Revenue
$1,448,826
Change in Net Assets
$27,123,289
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$52,452,170
Salaries, Compensation, and Employee Benefits$28,331,529
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Benefits to Members---$29,069,864
Other Expenses---$23,763,547
Other Salaries and Wages---$19,212,128
Office Expenses---$13,754,708
Depreciation Depletion---$4,870,789
Other Employee Benefits---$3,007,717
Advertising---$2,933,956
Current Officers, Directors, Trustees, and Key Employees---$2,576,340
Occupancy---$2,449,606
Fees for Services Other---$2,294,069
Pension Plan Contributions---$2,000,691
Payroll Taxes---$1,534,653
Information Technology---$1,282,402
Insurance---$422,942
Conferences and Meetings---$363,430
Travel---$118,794
Fees for Services Legal---$105,936
Fees for Services Accounting---$91,991
Total Functional Expenses$0$0$0$109,853,563
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
Share Accounts (checking/savings/cds)$2,229,751,297
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
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

The 990 form is reviewed in detail by the controller, chief financial officer and the chief operations officer before it is signed and submitted to the irs.

Form 990, Part VI, Section B, Line 12C

Credit union employees, directors, officers and their spouses are required to file an annual disclosure statement listing any financial institutions, trade associations or related business they are associated with as a director, officer or employee with a material ownership interest of $5,000 or more. The disclosure statements are reviewed by the president and board and any conflicts of interest are resolved at that time.

Form 990, Part VI, Section B, Line 15

All staff compensation is measured against industry standards by the human resources department and approved by the president. The board of directors review compensation for the president's position.

Form 990, Part VI, Section C, Line 19

Navy army community credit union's website has a link to the marketing department where members can request documents. All documents are available upon request for the same period of disclosure as set forth in section 6104(d). Also, a copy of the financial statements are posted at each branch site and are available to the public on ncua's website.

Filing and Contact Details

Filer

Filer Name
Navy Army Community Credit Union
EIN
74-1237070
Phone
3619864500
Address
2730 RODD FIELD ROAD, CORPUS CHRISTI, TX 78414

Signing Officer

Name
Carrie B Rice
Title
CFO
Phone
3619864500
Signed
2017-11-13
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Gerry Morrow
Formed
1955
Legal Domicile
TX
Voting Board Members
9
Independent Board Members
9
Employees
543
Volunteers
11

Preparer

Firm
Rsm US Llp
Address
801 NICOLLET MALL SUITE 1100, MINNEAPOLIS, MN 55402
Preparer
Gerald B Kissell
Phone
6123324300
Supplemental Narrative

Additional Explanations

FORM 990, PART XI, LINE 9:

Other comprehensive income-pension plan -1,842,616.

Raw XML AppendixShowing 400 of 778 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.

Path#Value
IRS990/AccountantCompileOrReviewInd00
IRS990/AccountsPayableAccrExpnssGrp/BOYAmt022957674
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt011320104
IRS990/ActivitiesConductedPrtshpInd00
IRS990/ActivityOrMissionDesc0TO MEET THE FINANCIAL NEEDS AND GOALS OF OUR MEMBERS. PROVIDE SAVINGS, SHARE DRAFT AND SHARE CERTIFICATE ACCOUNTS AND AUTO, CONSUMER AND COMMERCIAL LOANS.
IRS990/AdvertisingGrp/TotalAmt02933956
IRS990/AnnualDisclosureCoveredPrsnInd01
IRS990/AuditCommitteeInd01
IRS990/BackupWthldComplianceInd01
IRS990/BenefitsToMembersGrp/TotalAmt029069864
IRS990/BooksInCareOfDetail/BusinessName/BusinessNameLine1Txt0CARRIE RICE
IRS990/BooksInCareOfDetail/PhoneNum03619864500
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt02730 RODD FIELD ROAD
IRS990/BooksInCareOfDetail/USAddress/CityNm0CORPUS CHRISTI
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0TX
IRS990/BooksInCareOfDetail/USAddress/ZIPCd078414
IRS990/BusinessRlnWithFamMemInd00
IRS990/BusinessRlnWithOfficerEntInd00
IRS990/BusinessRlnWithOrgMemInd00
IRS990/CapStkTrPrinCurrentFundsGrp/BOYAmt00
IRS990/CapStkTrPrinCurrentFundsGrp/EOYAmt00
IRS990/CashNonInterestBearingGrp/BOYAmt0245478271
IRS990/CashNonInterestBearingGrp/EOYAmt0190958171
IRS990/ChangeToOrgDocumentsInd00
IRS990/CntrctRcvdGreaterThan100KCnt025
IRS990/CollectionsOfArtInd00
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt02576340
IRS990/CompensationFromOtherSrcsInd00
IRS990/CompensationProcessCEOInd01
IRS990/CompensationProcessOtherInd01
IRS990/ConferencesMeetingsGrp/TotalAmt0363430
IRS990/ConflictOfInterestPolicyInd01
IRS990/ConservationEasementsInd00
IRS990/ConsolidatedAuditFinclStmtInd00
IRS990/ContractorCompensationGrp/CompensationAmt03378196
IRS990/ContractorCompensationGrp/CompensationAmt11320829
IRS990/ContractorCompensationGrp/CompensationAmt2965301
IRS990/ContractorCompensationGrp/CompensationAmt3948600
IRS990/ContractorCompensationGrp/CompensationAmt4740505
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt0PO BOX 99924
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt12767 SANTE FE STREET
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt25995 MAYFAIR RD
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt3PO BOX 2643
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt4PO BOX 740310
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm0GRAPEVINE
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm1CORPUS CHRISTI
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm2CANTON
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm3CORPUS CHRISTI
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm4LOS ANGELES
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd0TX
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd1TX
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd2OH
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd3TX
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd4CA
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd076099
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd178404
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd244720
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd378403
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd490074
IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt0FISERV
IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt1MOREHEAD DOTTS
IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt2DGF ELECTONIC
IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt3BEECROFT
IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt4SETTLEMENT ONE
IRS990/ContractorCompensationGrp/ServicesDesc0PROCESSING
IRS990/ContractorCompensationGrp/ServicesDesc1ADVERTISING
IRS990/ContractorCompensationGrp/ServicesDesc2CASH REPLENISHMENT
IRS990/ContractorCompensationGrp/ServicesDesc3CONSTRUCTION
IRS990/ContractorCompensationGrp/ServicesDesc4ACCOUNTING
IRS990/CreditCounselingInd00
IRS990/CYBenefitsPaidToMembersAmt029069864
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt01315749
IRS990/CYOtherExpensesAmt052452170
IRS990/CYOtherRevenueAmt01448826
IRS990/CYProgramServiceRevenueAmt0134212277
IRS990/CYRevenuesLessExpensesAmt027123289
IRS990/CYSalariesCompEmpBnftPaidAmt028331529
IRS990/CYTotalExpensesAmt0109853563
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt0136976852
IRS990/DecisionsSubjectToApprovaInd01
IRS990/DeductibleArtContributionInd00
IRS990/DeductibleNonCashContriInd00
IRS990/DelegationOfMgmtDutiesInd00
IRS990/DepreciationDepletionGrp/TotalAmt04870789
IRS990/Desc0NAVY ARMY COMMUNITY CREDIT UNION IS A COOPERATIVE, MEMBER-OWNED, NON-PROFIT PROVIDER OF FINANCIAL SERVICES TO MEMBERS. WE PROVIDE AUTO, HOME AND BUSINESS LOANS TO THE COMMUNITY. AS OF DECEMBER 31, 2016 THE TOTAL NUMBER OF LOANS ISSUED WAS 92,782 AND THE TOTAL OUTSTANDING BALANCE OF LOANS ISSUED WAS $2,142,764,254.
IRS990/DescribedInSection501c3Ind00
IRS990/DisregardedEntityInd00
IRS990/DocumentRetentionPolicyInd01
IRS990/DonorAdvisedFundInd00
IRS990/ElectionOfBoardMembersInd01
IRS990/EmployeeCnt0543
IRS990/EmploymentTaxReturnsFiledInd01
IRS990/FamilyOrBusinessRlnInd00
IRS990/FederalGrantAuditRequiredInd00
IRS990/FeesForServicesAccountingGrp/TotalAmt091991
IRS990/FeesForServicesLegalGrp/TotalAmt0105936
IRS990/FeesForServicesOtherGrp/TotalAmt02294069
IRS990/ForeignActivitiesInd00
IRS990/ForeignFinancialAccountInd00
IRS990/ForeignOfficeInd00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt03.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt13.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt23.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt33.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt43.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt53.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt63.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt73.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt83.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt93.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt103.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt113.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt123.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1340.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1440.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1540.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1640.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1740.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1840.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1940.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt2040.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt2140.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt2240.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt2340.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt2440.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt2540.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt2640.00
IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd0X
IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd1X
IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd2X
IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd3X
IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd4X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd1X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd2X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd3X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd4X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd5X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd6X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd7X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd8X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd9X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd10X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd11X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd12X
IRS990/Form990PartVIISectionAGrp/KeyEmployeeInd0X
IRS990/Form990PartVIISectionAGrp/KeyEmployeeInd1X
IRS990/Form990PartVIISectionAGrp/KeyEmployeeInd2X
IRS990/Form990PartVIISectionAGrp/KeyEmployeeInd3X
IRS990/Form990PartVIISectionAGrp/KeyEmployeeInd4X
IRS990/Form990PartVIISectionAGrp/KeyEmployeeInd5X
IRS990/Form990PartVIISectionAGrp/KeyEmployeeInd6X
IRS990/Form990PartVIISectionAGrp/OfficerInd0X
IRS990/Form990PartVIISectionAGrp/OfficerInd1X
IRS990/Form990PartVIISectionAGrp/OfficerInd2X
IRS990/Form990PartVIISectionAGrp/OfficerInd3X
IRS990/Form990PartVIISectionAGrp/OfficerInd4X
IRS990/Form990PartVIISectionAGrp/OfficerInd5X
IRS990/Form990PartVIISectionAGrp/OfficerInd6X
IRS990/Form990PartVIISectionAGrp/OfficerInd7X
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt00
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt10
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt20
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt30
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt40
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt50
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt60
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt70
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt80
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt90
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt100
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt110
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt120
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1384062
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1419485
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1523024
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1614988
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1724905
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt188713
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt196351
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt2011804
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt2113123
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt2213436
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt239632
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt2412347
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt2513950
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt2616979
IRS990/Form990PartVIISectionAGrp/PersonNm0PEDRO RIVERA JR
IRS990/Form990PartVIISectionAGrp/PersonNm1ELOY SALAZAR
IRS990/Form990PartVIISectionAGrp/PersonNm2SYLVIA MARTINEZ
IRS990/Form990PartVIISectionAGrp/PersonNm3BOB WESTRUP
IRS990/Form990PartVIISectionAGrp/PersonNm4BRYAN STONE
IRS990/Form990PartVIISectionAGrp/PersonNm5JOHN JACKSON
IRS990/Form990PartVIISectionAGrp/PersonNm6VICK GONZALES
IRS990/Form990PartVIISectionAGrp/PersonNm7DON RYMER
IRS990/Form990PartVIISectionAGrp/PersonNm8JOHN CHAPMAN
IRS990/Form990PartVIISectionAGrp/PersonNm9THERESA GONZALES
IRS990/Form990PartVIISectionAGrp/PersonNm10THELMA MANDEL
IRS990/Form990PartVIISectionAGrp/PersonNm11LINDA ANDERSON
IRS990/Form990PartVIISectionAGrp/PersonNm12GERALD VILLARREAL
IRS990/Form990PartVIISectionAGrp/PersonNm13SARAH O'BRIEN
IRS990/Form990PartVIISectionAGrp/PersonNm14CARRIE RICE
IRS990/Form990PartVIISectionAGrp/PersonNm15GERRY MORROW
IRS990/Form990PartVIISectionAGrp/PersonNm16DANA SISK
IRS990/Form990PartVIISectionAGrp/PersonNm17SHANNON SRP
IRS990/Form990PartVIISectionAGrp/PersonNm18ROBERT OBERG
IRS990/Form990PartVIISectionAGrp/PersonNm19DANIEL DIBBLE
IRS990/Form990PartVIISectionAGrp/PersonNm20ROMAN ESCOBAR
IRS990/Form990PartVIISectionAGrp/PersonNm21GARY LANKFORD
IRS990/Form990PartVIISectionAGrp/PersonNm22VIRGINIA WHITHAM
IRS990/Form990PartVIISectionAGrp/PersonNm23MARK ESTES
IRS990/Form990PartVIISectionAGrp/PersonNm24CLARE FOWLER
IRS990/Form990PartVIISectionAGrp/PersonNm25ASHLEY SMITH
IRS990/Form990PartVIISectionAGrp/PersonNm26CYNTHIA RAMOS
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt020400
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt124000
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt216200
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt420700
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt518000
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt610800
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt715600
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt90
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt100
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt113700
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt123200
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt13420775
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt14157851
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt15321019
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt16348974
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt17289239
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt18172930
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt19184140
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20188003
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt21165460
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt22156018
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt23142673
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt24143067
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt25146317
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt26140264
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt90
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt100
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt110
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt120
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt130
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt140
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt150
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt160
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt170
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt180
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt190
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt200
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt210
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt220
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt230
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt240
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt250
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt260
IRS990/Form990PartVIISectionAGrp/TitleTxt0CHAIR
IRS990/Form990PartVIISectionAGrp/TitleTxt1CHAIR
IRS990/Form990PartVIISectionAGrp/TitleTxt2VICE CHAIR
IRS990/Form990PartVIISectionAGrp/TitleTxt3TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt4SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt5SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt7DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt8DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt9DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt10DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt11DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt12DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt13PRESIDENT/CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt14CHIEF FINANCIAL OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt15CHIEF LENDING OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt16CHEIF OPERATIONS OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt17CHIEF TECHNOLOGY OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt18CHIEF RISK OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt19SVP OF MEMBER BUSINESS SERVICES
IRS990/Form990PartVIISectionAGrp/TitleTxt20SVP OF MORTGAGE LENDING
IRS990/Form990PartVIISectionAGrp/TitleTxt21SVP INDIRECT LENDING
IRS990/Form990PartVIISectionAGrp/TitleTxt22VP HUMAN RESOURCES
IRS990/Form990PartVIISectionAGrp/TitleTxt23VP CREDIT ADMIN.
IRS990/Form990PartVIISectionAGrp/TitleTxt24VP REMOTE OPERATIONS
IRS990/Form990PartVIISectionAGrp/TitleTxt25VP MARKETING
IRS990/Form990PartVIISectionAGrp/TitleTxt26SR. VP OF RGV OPERATIONS
IRS990/Form990ProvidedToGvrnBodyInd00
IRS990/Form990TFiledInd01
IRS990/FormationYr01955
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedBasisGrp/SeparateBasisFinclStmtInd0X
IRS990/FSAuditedInd01
IRS990/FundraisingActivitiesInd00
IRS990/GainOrLossGrp/OtherAmt0-252809
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt09
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossAmountSalesAssetsGrp/OtherAmt02919179
IRS990/GrossReceiptsAmt0140156704
IRS990/GrossRentsGrp/RealAmt051000
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd00
IRS990/IndependentAuditFinclStmtInd00
IRS990/IndependentVotingMemberCnt09
IRS990/IndivRcvdGreaterThan100KCnt023
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartXIInd0X
IRS990/InformationTechnologyGrp/TotalAmt01282402
IRS990/InsuranceGrp/TotalAmt0422942
IRS990/InvestmentIncomeGrp/ExclusionAmt01568558
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt01568558
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsPubTradedSecGrp/BOYAmt0101217019
IRS990/InvestmentsPubTradedSecGrp/EOYAmt050972633
IRS990/IRPDocumentCnt049245
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt037516636
IRS990/LandBldgEquipBasisNetGrp/BOYAmt041911268
IRS990/LandBldgEquipBasisNetGrp/EOYAmt040222092
IRS990/LandBldgEquipCostOrOtherBssAmt077738728
IRS990/LegalDomicileStateCd0TX
IRS990/LessCostOthBasisSalesExpnssGrp/OtherAmt03171988
IRS990/LessRentalExpensesGrp/RealAmt07864
IRS990/LoanOutstandingInd00
IRS990/LocalChaptersInd01
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0TO MEET THE FINANCIAL NEEDS AND GOALS OF OUR MEMBERS. PROVIDE SAVINGS, SHARE DRAFT AND SHARE CERTIFICATE ACCOUNTS AND AUTO, CONSUMER AND COMMERCIAL LOANS.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/NetAssetsOrFundBalancesBOYAmt0231797514
IRS990/NetAssetsOrFundBalancesEOYAmt0257078187
IRS990/NetGainOrLossInvestmentsGrp/ExclusionAmt0-252809
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt0-252809
IRS990/NetRentalIncomeOrLossGrp/ExclusionAmt043136
IRS990/NetRentalIncomeOrLossGrp/TotalRevenueColumnAmt043136
IRS990/NetUnrelatedBusTxblIncmAmt0-226772
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt02449606
IRS990/OfficeExpensesGrp/TotalAmt013754708
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt088295024
IRS990/OtherAssetsTotalGrp/EOYAmt090154236
IRS990/OtherChangesInNetAssetsAmt0-1842616
IRS990/OtherEmployeeBenefitsGrp/TotalAmt03007717
IRS990/OtherExpensesGrp/Desc0LOAN LOSS PROVISION
IRS990/OtherExpensesGrp/TotalAmt023763547
IRS990/OtherLiabilitiesGrp/BOYAmt02106610020
IRS990/OtherLiabilitiesGrp/EOYAmt02229751297
IRS990/OtherRevenueMiscGrp/BusinessCd0522100
IRS990/OtherRevenueMiscGrp/Desc0NON-OPERATING INCOME
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt01405690
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt01405690
IRS990/OtherRevenueTotalAmt01405690
IRS990/OtherSalariesAndWagesGrp/TotalAmt019212128
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt01876096634
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt02120764472
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt01534653
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt02000691
IRS990/PoliciesReferenceChaptersInd01
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt08366992
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt05077984
IRS990/PrincipalOfficerNm0GERRY MORROW
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/BusinessCd2522100
IRS990/ProgramServiceRevenueGrp/Desc0INTEREST ON LOANS
IRS990/ProgramServiceRevenueGrp/Desc1FEE INCOME
IRS990/ProgramServiceRevenueGrp/Desc2INSURANCE & OTHER OPERATING INCOM
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt098867022
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt121844207
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt212924978
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt098867022

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$4,502$3,906$597$332$306$26.8
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$4,303$3,740$563$295$242$53.8
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$4,105$3,590$515$246$173$72.9
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$4,042$3,612$430$217$154$62.5
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$3,664$3,300$365$211$175$36.1
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$3,264$2,926$338$193$156$36.6
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$2,971$2,667$304$165$135$29.6
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$2,701$2,422$279$147$121$25.5
2016Detailed filing. Detailed filing data is available for this year.$2,498$2,241$257$137$110$27.1
2015XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$2,361$2,130$232$132$105$27.3
2014Detailed filing. Detailed filing data is available for this year.$2,247$2,038$209$128$106$22.0
2013Detailed filing. Detailed filing data is available for this year.$2,005$1,819$186$120$88.8$30.8
2012Summary only. Only limited summary data is available for this year.$1,676$1,520$155$103$70.1$32.8
2011Summary only. Only limited summary data is available for this year.$1,327$1,201$125$83.5$57.9$25.6
Peer Organizations

Similar nonprofits based on the same Siviq industry and scale cohort. 2016 filings • 501(c)14 • $1B+ nonprofits