Civic Intelligence

Centex Citizens Credit Union

990 • Fiscal year 2010 • EIN 74-1271704

Jan 01, 2010 to Dec 31, 2010 • Filed on Nov 08, 2011

PO Box 125276667
Siviq Scores

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

Liabilities / Assets

14th percentile

0.82x

Higher debt load relative to assets than 14% of similar nonprofits.

2010 filings • 501(c)14 • $50M-$100M 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.

Assets

$57,572,955

No earlier filing loaded for comparison.

Net Assets

$10,247,449

No earlier filing loaded for comparison.

Liabilities

$47,325,506

No earlier filing loaded for comparison.

Revenue

-

No earlier filing loaded for comparison.

Expenses

$2,688,214

No earlier filing loaded for comparison.

Net Income

-

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

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

$150M$100M$50M$0Assets 2010: $57,572,955Liabilities 2010: $47,325,506Net Assets 2010: $10,247,4492010Assets 2011: $55,505,860Liabilities 2011: $45,053,056Net Assets 2011: $10,452,8042011Assets 2012: $55,917,363Liabilities 2012: $45,075,799Net Assets 2012: $10,841,5642012Assets 2013: $56,410,155Liabilities 2013: $44,935,452Net Assets 2013: $11,474,7032013Assets 2014: $59,928,421Liabilities 2014: $47,872,352Net Assets 2014: $12,056,0692014Assets 2015: $62,483,793Liabilities 2015: $49,933,333Net Assets 2015: $12,550,4602015Assets 2016: $62,741,397Liabilities 2016: $49,830,514Net Assets 2016: $12,910,8832016Assets 2017: $66,075,780Liabilities 2017: $53,181,693Net Assets 2017: $12,894,0872017Assets 2018: $70,085,580Liabilities 2018: $56,787,789Net Assets 2018: $13,297,7912018Assets 2019: $79,501,349Liabilities 2019: $66,027,072Net Assets 2019: $13,474,2772019Assets 2020: $89,737,689Liabilities 2020: $76,208,151Net Assets 2020: $13,529,5382020Assets 2021: $98,117,484Liabilities 2021: $83,915,558Net Assets 2021: $14,201,9262021Assets 2022: $94,824,828Liabilities 2022: $79,623,393Net Assets 2022: $15,201,4352022Assets 2023: $101,609,589Liabilities 2023: $85,345,147Net Assets 2023: $16,264,4422023Assets 2024: $103,531,787Liabilities 2024: $85,819,623Net Assets 2024: $17,712,1642024

Highlighted filing

2010

Assets$57,572,955
Liabilities$47,325,506
Net Assets$10,247,449

Operations Trend

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

$8.0M$6.0M$4.0M$2.0M$0-$2.0MExpenses 2010: $2,688,2142010Expenses 2011: $2,718,7432011Expenses 2012: $2,525,2832012Revenue 2013: $3,097,041Expenses 2013: $2,473,609Net Income 2013: $623,4322013Revenue 2014: $3,163,212Expenses 2014: $2,514,427Net Income 2014: $648,7852014Revenue 2015: $3,171,590Expenses 2015: $2,742,023Net Income 2015: $429,5672015Revenue 2016: $3,274,520Expenses 2016: $2,818,993Net Income 2016: $455,5272016Revenue 2017: $3,908,873Expenses 2017: $3,704,880Net Income 2017: $203,9932017Revenue 2018: $4,451,138Expenses 2018: $3,985,387Net Income 2018: $465,7512018Revenue 2019: $4,724,161Expenses 2019: $4,323,883Net Income 2019: $400,2782019Revenue 2020: $4,365,839Expenses 2020: $4,409,833Net Income 2020: -$43,9942020Revenue 2021: $4,682,506Expenses 2021: $4,182,335Net Income 2021: $500,1712021Revenue 2022: $5,598,323Expenses 2022: $4,655,309Net Income 2022: $943,0142022Revenue 2023: $6,719,023Expenses 2023: $5,551,085Net Income 2023: $1,167,9382023Revenue 2024: $7,835,472Expenses 2024: $6,556,223Net Income 2024: $1,279,2492024

Highlighted filing

2010

Revenue-
Expenses$2,688,214
Net Income-
Jump To
Filing Snapshot
Filing Period
Jan 1, 2010 to Dec 31, 2010
Signed
Nov 8, 2011
Return Version
2010v3.4
Gross Receipts
$2,780,088
Mission and Program Overview

Mission

Cooperative provider of credit union financial services.

Major Activities

Activity 2
Checking accounts: centex citizens credit union provides checking accounts for consumers with various features, most of which offer monthly paid dividends. Our members have access to their accounts through two locations, free debit cards, free atm cards and free internet online banking. We also offer a bill pay feature with unlimited transactions for free.
Activity 3
Consumer loans: centex citizens credit union has provided consumer signature loans from the beginning. The consumer loan product line now includes efficient underwriting with flexible offerings for vehicles, recreational vehicles, water crafts, motorcycles, home furnishings, home lawn equipment and share and certificate backed loans. Both life and disability insurance is available on any of these loans.
Filing and Contact Details

Filer

EIN
74-1271704
Raw XML Appendix381 raw XML fields

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IRS990ScheduleO/GeneralExplanation/Explanation0WE ARE A MEMBER OWNED CREDIT UNION.
IRS990ScheduleO/GeneralExplanation/Explanation1BOARD MEMBERS ARE ELECTED FOR STAGGERED 3 YEAR TERMS. THOSE UP FOR ELECTION ARE ELECTED AT THE ANNUAL MEMBERSHIP MEETING.
IRS990ScheduleO/GeneralExplanation/Explanation2A COPY OF THE FORM 990 IS PROVIDED TO EACH MEMBER OF CENTEX CITIZENS CREDIT UNION'S GOVERNING BODY FOR REVIEW. QUESTIONS AND COMMENTS ARE THEN SUBMITTED TO THE PRESIDENT WHO PREPARED THE FORM 990. WHEN THE BOARD OF DIRECTORS ARE SATISFIED THE REPORT HAS BEEN COMPLETED ACCURATELY AND CORRECTLY, THEY GIVE FINAL APPROVAL FOR IT TO BE SUBMITTED.
IRS990ScheduleO/GeneralExplanation/Explanation3ALL DIRECTORS, OFFICERS AND KEY EMPLOYEES ARE REQUIRED TO FILE AN ANNUAL CONFLICT OF INTEREST DISCLOSURE STATEMENT.
IRS990ScheduleO/GeneralExplanation/Explanation4THE BOARD OF DIRECTORS USES THE CUNA SALARY SURVEY TO DETERMINE TOP MANAGEMENT SALARIES. THE PRESIDENT USES CUNA SALARY SURVEY TO DETERMINE REMAINING EMPLOYEES' SALARIES.
IRS990ScheduleO/GeneralExplanation/Explanation5CENTEX CITIZENS CREDIT UNION MAKES IT GOVERNING DOCUMENTS, CONFLICT OF INTEREST POLICY AND FINANCIAL STATEMENTS AVAILABLE TO THE PUBLIC UPON REQUEST.
IRS990ScheduleO/GeneralExplanation/Explanation6UNREALIZED GAIN/LOSS ON FUND BALANCES -35,876. TOTAL TO FORM 990, PART XI, LINE 5: -35,876.
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IRS990ScheduleO/GeneralExplanation/Identifier3CHANGES IN NET ASSETS OR FUND BALANCES:
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IRS990/TransactionRelatedEntity00
IRS990/TypeOfOrganizationCorporation0X
IRS990/UnrelatedBusinessIncome01
IRS990/UponRequest0X
IRS990/WebSite0WWW.MYOWNCU.COM
IRS990/WhistleblowerPolicy01
IRS990/YearFormation01954
ReturnHeader/BuildTS02016-02-24 21:20:13Z
ReturnHeader/Filer/EIN0741271704
ReturnHeader/Filer/Name/BusinessNameLine10CENTEX CITIZENS CREDIT UNION
ReturnHeader/Filer/NameControl0CENT
ReturnHeader/Filer/Phone02545629296
ReturnHeader/Filer/USAddress/AddressLine10PO BOX 1252
ReturnHeader/Filer/USAddress/City0MEXIA
ReturnHeader/Filer/USAddress/State0TX
ReturnHeader/Filer/USAddress/ZIPCode076667
ReturnHeader/Officer/AuthorizeThirdParty01
ReturnHeader/Officer/DateSigned02011-11-08
ReturnHeader/Officer/Name0JANIS MASSEY
ReturnHeader/Officer/Phone02545629296
ReturnHeader/Officer/Title0PRESIDENT
ReturnHeader/PreparerFirm/PreparerFirmBusinessName/BusinessNameLine10CLIFTON GUNDERSON LLP
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/AddressLine103003 N CENTRAL AVE STE 500
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/City0PHOENIX
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/State0AZ
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/ZIPCode085012
ReturnHeader/Preparer/Name0K FINCHER
ReturnHeader/Preparer/Phone06022662248
ReturnHeader/ReturnType0990
ReturnHeader/TaxPeriodBeginDate02010-01-01
ReturnHeader/TaxPeriodEndDate02010-12-31
ReturnHeader/TaxYear02010
ReturnHeader/Timestamp02011-11-10T11:14:57-06:00

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$104$85.8$17.7$7.84$6.56$1.28
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$102$85.3$16.3$6.72$5.55$1.17
2022Detailed filing. Detailed filing data is available for this year.$94.8$79.6$15.2$5.60$4.66$0.94
2021Detailed filing. Detailed filing data is available for this year.$98.1$83.9$14.2$4.68$4.18$0.50
2020Detailed filing. Detailed filing data is available for this year.$89.7$76.2$13.5$4.37$4.41$0.04
2019Detailed filing. Detailed filing data is available for this year.$79.5$66.0$13.5$4.72$4.32$0.40
2018Detailed filing. Detailed filing data is available for this year.$70.1$56.8$13.3$4.45$3.99$0.47
2017Detailed filing. Detailed filing data is available for this year.$66.1$53.2$12.9$3.91$3.70$0.20
2016Detailed filing. Detailed filing data is available for this year.$62.7$49.8$12.9$3.27$2.82$0.46
2015Detailed filing. Detailed filing data is available for this year.$62.5$49.9$12.6$3.17$2.74$0.43
2014Detailed filing. Detailed filing data is available for this year.$59.9$47.9$12.1$3.16$2.51$0.65
2013Detailed filing. Detailed filing data is available for this year.$56.4$44.9$11.5$3.10$2.47$0.62
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$55.9$45.1$10.8$2.53
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$55.5$45.1$10.5$2.72
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$57.6$47.3$10.2$2.69