Civic Intelligence

Edinburg Teachers Credit Union

EIN 74-1279052 • 501(c)14 • Edinburg, TX

View Organization Page

Profile

Financial institution: provide basic financial services to members in the form of checking, savings and certificate accounts, iras, loans (signature and vehicle). Also provide convenience services such as on-line banking, telephone banking, money orders and travelers checks.

900 W University DriveEdinburg, TX 78539

www.etcu.coop

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

29th percentile

0.85x

Higher debt load relative to assets than 29% of similar nonprofits.

501(c)14 • $50M-$100M nonprofits • Source year 2024

Liabilities / Revenue

93rd percentile

22.65x

Higher debt load relative to revenue than 93% of similar nonprofits.

501(c)14 • $50M-$100M nonprofits • Source year 2024

Net Margin

53rd percentile

13%

Higher net margin than 53% of similar nonprofits.

501(c)14 • $50M-$100M nonprofits • Source year 2024

Top Officer Pay

74th percentile

$197,360

Higher top officer pay than 74% of similar nonprofits.

Top officer pay equals 5.8% of source-year revenue.

501(c)14 • $50M-$100M nonprofits • Source year 2024

Asset Growth

22nd percentile

-2.0%

Faster asset growth than 22% of similar nonprofits.

501(c)14 • $50M-$100M nonprofits • Annualized from 2023 to 2024

Revenue Growth

15th percentile

-0.1%

Faster revenue growth than 15% of similar nonprofits.

501(c)14 • $50M-$100M nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets29th percentile

Assets

Down

$90,206,871

Down $1,879,566 (-2.0%) from 2023

Liabilities

Down

$76,909,419

Down $3,052,992 (-3.8%) from 2023

Net Assets

Up

$13,297,452

Up $1,173,426 (+9.7%) from 2023

Operations
Liabilities / Revenue93rd percentileNet Margin53rd percentile

Revenue

Down

$3,395,007

Down $2,253 (-0.1%) from 2023

Expenses

Up

$2,968,203

Up $19,633 (+0.7%) from 2023

Net Income

Down

$426,804

Down $21,886 (-4.9%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth22nd percentile

Grouped bars show assets, liabilities, and net assets across loaded filings.

$150M$100M$50M$0Assets 2010: $70,275,638Liabilities 2010: $53,890,940Net Assets 2010: $16,384,6982010Assets 2011: $72,482,597Liabilities 2011: $54,731,238Net Assets 2011: $17,751,3592011Assets 2012: $76,491,791Liabilities 2012: $57,564,138Net Assets 2012: $18,927,6532012Assets 2013: $78,335,255Liabilities 2013: $58,766,071Net Assets 2013: $19,569,1842013Assets 2014: $81,602,164Liabilities 2014: $61,550,384Net Assets 2014: $20,051,7802014Assets 2015: $86,757,568Liabilities 2015: $66,073,940Net Assets 2015: $20,683,6282015Assets 2016: $89,048,547Liabilities 2016: $67,875,205Net Assets 2016: $21,173,3422016Assets 2017: $92,035,863Liabilities 2017: $70,333,739Net Assets 2017: $21,702,1242017Assets 2018: $94,867,540Liabilities 2018: $72,491,104Net Assets 2018: $22,376,4362018Assets 2019: $97,357,781Liabilities 2019: $74,206,261Net Assets 2019: $23,151,5202019Assets 2020: $106,218,445Liabilities 2020: $82,374,203Net Assets 2020: $23,844,2422020Assets 2021: $103,589,464Liabilities 2021: $83,763,592Net Assets 2021: $19,825,8722021Assets 2022: $96,360,161Liabilities 2022: $84,298,778Net Assets 2022: $12,061,3832022Assets 2023: $92,086,437Liabilities 2023: $79,962,411Net Assets 2023: $12,124,0262023Assets 2024: $90,206,871Liabilities 2024: $76,909,419Net Assets 2024: $13,297,4522024

Highlighted filing

2024

Assets$90,206,871
Liabilities$76,909,419
Net Assets$13,297,452
Open 2024 Filing

Operations Trend

Revenue Growth15th percentile

Revenue, expenses, and net income by year, with the latest filing highlighted.

$6.0M$4.0M$2.0M$0-$2.0M-$4.0MExpenses 2010: $2,735,7582010Expenses 2011: $2,671,1452011Expenses 2012: $2,660,9302012Revenue 2013: $3,042,047Expenses 2013: $2,398,923Net Income 2013: $643,1242013Revenue 2014: $3,182,952Expenses 2014: $2,703,409Net Income 2014: $479,5432014Revenue 2015: $3,049,588Expenses 2015: $2,418,730Net Income 2015: $630,8582015Revenue 2016: $3,179,799Expenses 2016: $2,690,086Net Income 2016: $489,7132016Revenue 2017: $3,178,090Expenses 2017: $2,649,308Net Income 2017: $528,7822017Revenue 2018: $3,359,762Expenses 2018: $2,685,450Net Income 2018: $674,3122018Revenue 2019: $3,616,683Expenses 2019: $2,841,599Net Income 2019: $775,0842019Revenue 2020: $3,381,659Expenses 2020: $2,688,937Net Income 2020: $692,7222020Revenue 2021: $1,675,871Expenses 2021: $4,246,009Net Income 2021: -$2,570,1382021Revenue 2022: $3,580,886Expenses 2022: $3,164,922Net Income 2022: $415,9642022Revenue 2023: $3,397,260Expenses 2023: $2,948,570Net Income 2023: $448,6902023Revenue 2024: $3,395,007Expenses 2024: $2,968,203Net Income 2024: $426,8042024

Highlighted filing

2024

Revenue$3,395,007
Expenses$2,968,203
Net Income$426,804
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$90,206,871
Liabilities
$76,909,419
Net assets
$13,297,452
Revenue
$3,395,007
Expenses
$2,968,203
Net income
$426,804
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$90.2$76.9$13.3$3.40$2.97$0.43
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$92.1$80.0$12.1$3.40$2.95$0.45
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$96.4$84.3$12.1$3.58$3.16$0.42
2021Facts available. Structured filing facts are available, but richer extracted sections are limited.$104$83.8$19.8$1.68$4.25$2.57
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$106$82.4$23.8$3.38$2.69$0.69
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$97.4$74.2$23.2$3.62$2.84$0.78
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$94.9$72.5$22.4$3.36$2.69$0.67
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$92.0$70.3$21.7$3.18$2.65$0.53
2016Facts available. Structured filing facts are available, but richer extracted sections are limited.$89.0$67.9$21.2$3.18$2.69$0.49
2015Detailed filing. Detailed filing data is available for this year.$86.8$66.1$20.7$3.05$2.42$0.63
2014Detailed filing. Detailed filing data is available for this year.$81.6$61.6$20.1$3.18$2.70$0.48
2013Detailed filing. Detailed filing data is available for this year.$78.3$58.8$19.6$3.04$2.40$0.64
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$76.5$57.6$18.9$2.66
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$72.5$54.7$17.8$2.67
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$70.3$53.9$16.4$2.74
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
May 29, 2025
Return Version
2024v5.0
Gross Receipts
$4,464,153
Mission and Program Overview

Mission

Financial institution: provide basic financial services to members in the form of checking, savings and certificate accounts, iras, loans (signature and vehicle). Also provide convenience services such as on-line banking, telephone banking, money orders and travelers checks.

Financial institution provides basic financial services to members in the form of checking, savings and certificate accounts, iras, and loans (signature and vehicle). The credit union also provides convenience services such as online banking, telephone banking, money orders and traveler's checks.

Balance Sheet Detail
LineBeginningEndChange
Assets
Investments Other Securities$57,342,251$50,231,449▼ $7,110,802
Other Notes and Loans Receivable, Net$21,073,156$21,958,297▲ $885,141
Savings and Temporary Cash Investments$9,641,412$13,767,220▲ $4,125,808
Rtn Earn Endowment Incm Other Fnds$12,124,026$13,297,452▲ $1,173,426
Cash and Non-Interest-Bearing Accounts$738,731$1,041,694▲ $302,963
Land, Buildings, and Equipment, Net$1,514,041$419,568▼ $1,094,473
Prepaid Expenses and Deferred Charges$343,950$294,047▼ $49,903
Accounts Receivable$-6,070$-2,734▲ $3,336
Total Assets$92,086,437$90,206,871▼ $1,879,566
Other Assets Total$1,438,966$2,497,330▲ $1,058,364
Liabilities
Other Liabilities$78,304,924$75,940,130▼ $2,364,794
Accounts Payable and Accrued Expenses$1,657,487$969,289▼ $688,198
Total Liabilities$79,962,411$76,909,419▼ $3,052,992
Net Assets / Fund Balance
Total Net Assets Fund Balance$12,124,026$13,297,452▲ $1,173,426
Total Liabilities and Net Assets / Fund Balance$92,086,437$90,206,871▼ $1,879,566

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$65,421$945,310$1,010,731
Buildings$147,770$564,019$711,789
Land$206,377-$206,377
Other Securities$153,728--
Compensation and Service Providers
Top Officer Pay74th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Mary CarpenterCEOFT$197,360$197,360
Laura VazquezCFOFT$99,870$99,870

Board Members and Trustees

NameTitle
Robert TamezChairperson
Ofelia AbregoVice Chairpe
Francis RochaBoard Member
Maria E OvalleSecretary
Julie GarzaTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$1,821,797
Investment Income
$1,573,210
Other Revenue
$0
Change in Net Assets
$426,804
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$1,484,200
Other Expenses$1,484,003
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$898,110
Interest---$380,024
Current Officers, Directors, Trustees, and Key Employees---$297,230
Fees for Services Other---$231,353
Office Expenses---$216,101
Information Technology---$195,464
Pension Plan Contributions---$125,243
Payroll Taxes---$105,069
Occupancy---$69,987
Other Employee Benefits---$58,548
Fees for Services Legal---$49,769
Depreciation Depletion---$46,691
Advertising---$35,565
Fees for Services Accounting---$24,850
Other Expenses---$19,710
Conferences and Meetings---$3,395
Total Functional Expenses$0$0$0$2,968,203
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
Member Share Accounts$75,940,130
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Business relationship with 35% controlled entity
No
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
No
Other officer compensation reviewed
No
Conflict-of-interest policy
No
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Page 6, Part VI, Line 6

“The credit union has members.”

Form 990, Page 6, Part VI, Line 11B

“The 990 is reveiwed by the board of directors, the ceo and cfo.”

Form 990, Page 6, Part VI, Line 19

“No documents available to the public”

Filing and Contact Details

Filer

Filer Name
Edinburg Teachers Credit Union
EIN
74-1279052
Phone
9562593511
Address
900 W UNIVERSITY DRIVE, EDINBURG, TX 78539

Signing Officer

Name
Mary Carpenter
Title
CEO
Phone
9562593511
Signed
2025-05-29
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Mary Carpenter
Formed
1955
Legal Domicile
TX
Voting Board Members
5
Independent Board Members
5
Employees
23
Volunteers
5

Preparer

Firm
Waverly Business Services
Address
180 A COMMERCE PARK DR, WESTERVILLE, OH 43082
Preparer
Erin Alderson Ea
Phone
6148906620
Supplemental Narrative

Additional Explanations

FORM 990 - ORGANIZATION'S MISSION

“Financial institution provides basic financial services to members in the form of checking, savings and certificate accounts, iras, and loans (signature and vehicle). The credit union also provides convenience services such as online banking, telephone banking, money orders and traveler's checks.”

Raw XML Appendix341 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/AccountantCompileOrReviewInd0false
IRS990/AccountsPayableAccrExpnssGrp/BOYAmt01657487
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt0969289
IRS990/AccountsReceivableGrp/BOYAmt0-6070
IRS990/AccountsReceivableGrp/EOYAmt0-2734
IRS990/ActivitiesConductedPrtshpInd0false
IRS990/ActivityOrMissionDesc0FINANCIAL INSTITUTION PROVIDES BASIC FINANCIAL SERVICES TO MEMBERS IN THE FORM OF CHECKING, SAVINGS AND CERTIFICATE ACCOUNTS, IRAS, AND LOANS (SIGNATURE AND VEHICLE). THE CREDIT UNION ALSO PROVIDES CONVENIENCE SERVICES SUCH AS ONLINE BANKING, TELEPHONE BANKING, MONEY ORDERS AND TRAVELER'S CHECKS.
IRS990/AdvertisingGrp/TotalAmt035565
IRS990/BooksInCareOfDetail/PersonNm0MARY CARPENTER
IRS990/BooksInCareOfDetail/PhoneNum09562593511
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt0900 W UNIVERSITY DRIVE
IRS990/BooksInCareOfDetail/USAddress/CityNm0EDINBURG
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0TX
IRS990/BooksInCareOfDetail/USAddress/ZIPCd078539
IRS990/BusinessRlnWith35CtrlEntInd0false
IRS990/BusinessRlnWithFamMemInd0false
IRS990/BusinessRlnWithOrgMemInd0false
IRS990/CashNonInterestBearingGrp/BOYAmt0738731
IRS990/CashNonInterestBearingGrp/EOYAmt01041694
IRS990/ChangeToOrgDocumentsInd0false
IRS990/CollectionsOfArtInd0false
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt0297230
IRS990/CompensationFromOtherSrcsInd0false
IRS990/CompensationProcessCEOInd0false
IRS990/CompensationProcessOtherInd0false
IRS990/ConferencesMeetingsGrp/TotalAmt03395
IRS990/ConflictOfInterestPolicyInd0false
IRS990/ConservationEasementsInd0false
IRS990/ConsolidatedAuditFinclStmtInd0false
IRS990/CreditCounselingInd0false
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt01573210
IRS990/CYOtherExpensesAmt01484003
IRS990/CYOtherRevenueAmt00
IRS990/CYProgramServiceRevenueAmt01821797
IRS990/CYRevenuesLessExpensesAmt0426804
IRS990/CYSalariesCompEmpBnftPaidAmt01484200
IRS990/CYTotalExpensesAmt02968203
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt03395007
IRS990/DecisionsSubjectToApprovaInd0false
IRS990/DeductibleArtContributionInd0false
IRS990/DeductibleNonCashContriInd0false
IRS990/DelegationOfMgmtDutiesInd0false
IRS990/DepreciationDepletionGrp/TotalAmt046691
IRS990/Desc0ETCU MEMBERS ARE AFFORDED A LOW 25 MINIMUM DEPOSIT FOR MEMBERSHIP. MEMBER SAVINGS ACCOUNTS PAY QUARTERLY DIVIDENDS AT COMPETITIVE RATES WITH NO MONTHLY SERVICE FEES. SPECIAL SAVINGS ACCOUNTS ARE AVAILED AT NO EXTRA COSTS FOR MEMBERS WISHING TO SEPARATE SAVINGS FOR THEIR OWN INDIVIDUALLY EAR-MARKED PURPOSES. ETCU OFFERS LOW TO NO-COST CHECKING ACCOUNTS WITH FREE DEBIT CARD SERVICE. CHECKING ACCOUNTS PAY MONTHLY DIVIDENDS. COMPETITIVE RATE CERTIFICATE ACCOUNTS AND INDIVIDUAL RETIREMENT ACCOUNTS (IRAS) ARE OFFERED. 24-HOURS A DAY 7-DAYS A WEEK ACCESS TO ACCOUNTS IS AVAILABLE VIA AUTOMATED TELLER MACHINES, ONLINE BANKING AND AUTOMATED TELEPHONE LINES.
IRS990/DescribedInSection501c3Ind0false
IRS990/DisregardedEntityInd0false
IRS990/DocumentRetentionPolicyInd0true
IRS990/DonorAdvisedFundInd0false
IRS990/DonorRstrOrQuasiEndowmentsInd0false
IRS990/ElectionOfBoardMembersInd0false
IRS990/EmployeeCnt023
IRS990/EmploymentTaxReturnsFiledInd0true
IRS990/FamilyOrBusinessRlnInd0false
IRS990/FeesForServicesAccountingGrp/TotalAmt024850
IRS990/FeesForServicesLegalGrp/TotalAmt049769
IRS990/FeesForServicesOtherGrp/TotalAmt0231353
IRS990/ForeignActivitiesInd0false
IRS990/ForeignFinancialAccountInd0false
IRS990/ForeignOfficeInd0false
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt040.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt140.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt21.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt31.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt41.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt51.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt61.00
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd1X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd2X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd3X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd4X
IRS990/Form990PartVIISectionAGrp/OfficerInd0X
IRS990/Form990PartVIISectionAGrp/OfficerInd1X
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt00
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt10
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt20
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt30
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt40
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt50
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt60
IRS990/Form990PartVIISectionAGrp/PersonNm0MARY CARPENTER
IRS990/Form990PartVIISectionAGrp/PersonNm1LAURA VAZQUEZ
IRS990/Form990PartVIISectionAGrp/PersonNm2OFELIA ABREGO
IRS990/Form990PartVIISectionAGrp/PersonNm3JULIE GARZA
IRS990/Form990PartVIISectionAGrp/PersonNm4MARIA E OVALLE
IRS990/Form990PartVIISectionAGrp/PersonNm5FRANCIS ROCHA
IRS990/Form990PartVIISectionAGrp/PersonNm6ROBERT TAMEZ
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt0197360
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt199870
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt60
IRS990/Form990PartVIISectionAGrp/TitleTxt0CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt1CFO
IRS990/Form990PartVIISectionAGrp/TitleTxt2VICE CHAIRPE
IRS990/Form990PartVIISectionAGrp/TitleTxt3TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt4SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt5BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt6CHAIRPERSON
IRS990/Form990ProvidedToGvrnBodyInd0true
IRS990/FormationYr01955
IRS990/FormerOfcrEmployeesListedInd0false
IRS990/FSAuditedInd0false
IRS990/FundraisingActivitiesInd0false
IRS990/GainOrLossGrp/OtherAmt0-138637
IRS990/GamingActivitiesInd0false
IRS990/GoverningBodyVotingMembersCnt05
IRS990/GrantsToIndividualsInd0false
IRS990/GrantsToOrganizationsInd0false
IRS990/GrantToRelatedPersonInd0false
IRS990/GrossAmountSalesAssetsGrp/OtherAmt0930509
IRS990/GrossReceiptsAmt04464153
IRS990/GroupReturnForAffiliatesInd0false
IRS990/IncludeFIN48FootnoteInd0false
IRS990/IndependentAuditFinclStmtInd0false
IRS990/IndependentVotingMemberCnt05
IRS990/IndivRcvdGreaterThan100KCnt01
IRS990/IndoorTanningServicesInd0false
IRS990/InfoInScheduleOPartIIIInd0X
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InformationTechnologyGrp/TotalAmt0195464
IRS990/InterestGrp/TotalAmt0380024
IRS990/InvestmentIncomeGrp/ExclusionAmt01711847
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt01711847
IRS990/InvestmentInJointVentureInd0false
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt057342251
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt050231449
IRS990/IRPDocumentCnt02300
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt01509329
IRS990/LandBldgEquipBasisNetGrp/BOYAmt01514041
IRS990/LandBldgEquipBasisNetGrp/EOYAmt0419568
IRS990/LandBldgEquipCostOrOtherBssAmt01928897
IRS990/LegalDomicileStateCd0TX
IRS990/LessCostOthBasisSalesExpnssGrp/OtherAmt01069146
IRS990/LoanOutstandingInd0false
IRS990/LocalChaptersInd0false
IRS990/MaterialDiversionOrMisuseInd0false
IRS990/MembersOrStockholdersInd0true
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd0true
IRS990/MinutesOfGoverningBodyInd0true
IRS990/MissionDesc0FINANCIAL INSTITUTION PROVIDES BASIC FINANCIAL SERVICES TO MEMBERS IN THE FORM OF CHECKING, SAVINGS AND CERTIFICATE ACCOUNTS, IRAS, AND LOANS (SIGNATURE AND VEHICLE). THE CREDIT UNION ALSO PROVIDES CONVENIENCE SERVICES SUCH AS ONLINE BANKING, TELEPHONE BANKING, MONEY ORDERS AND TRAVELER'S CHECKS.
IRS990/MoreThan5000KToIndividualsInd0false
IRS990/MoreThan5000KToOrgInd0false
IRS990/NetAssetsOrFundBalancesBOYAmt012124026
IRS990/NetAssetsOrFundBalancesEOYAmt013297452
IRS990/NetGainOrLossInvestmentsGrp/ExclusionAmt0-138637
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt0-138637
IRS990/NetUnrlzdGainsLossesInvstAmt0746080
IRS990/NondeductibleContributionsInd0false
IRS990/OccupancyGrp/TotalAmt069987
IRS990/OfficeExpensesGrp/TotalAmt0216101
IRS990/OfficerMailingAddressInd0false
IRS990/OperateHospitalInd0false
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt01438966
IRS990/OtherAssetsTotalGrp/EOYAmt02497330
IRS990/OtherEmployeeBenefitsGrp/TotalAmt058548
IRS990/OtherExpensesGrp/Desc0OTHER OPERATING EXPENSES
IRS990/OtherExpensesGrp/Desc1LOAN SERVICING
IRS990/OtherExpensesGrp/Desc2PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/Desc3ASSOCIATION DUES
IRS990/OtherExpensesGrp/TotalAmt0164142
IRS990/OtherExpensesGrp/TotalAmt125214
IRS990/OtherExpensesGrp/TotalAmt221738
IRS990/OtherExpensesGrp/TotalAmt319710
IRS990/OtherLiabilitiesGrp/BOYAmt078304924
IRS990/OtherLiabilitiesGrp/EOYAmt075940130
IRS990/OtherOrganizationDsc0COOPERATIVE
IRS990/OtherSalariesAndWagesGrp/TotalAmt0898110
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt021073156
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt021958297
IRS990/PartialLiquidationInd0false
IRS990/PayrollTaxesGrp/TotalAmt0105069
IRS990/PensionPlanContributionsGrp/TotalAmt0125243
IRS990/PoliticalCampaignActyInd0false
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0343950
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0294047
IRS990/PrincipalOfficerNm0MARY CARPENTER
IRS990/PriorPeriodAdjustmentsAmt0542
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/BusinessCd2522100
IRS990/ProgramServiceRevenueGrp/Desc0INTEREST ON LOANS
IRS990/ProgramServiceRevenueGrp/Desc1MEMBER FEES
IRS990/ProgramServiceRevenueGrp/Desc2OTHER OPERATING INCOME
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt01359084
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt1280188
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt2182525
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt01359084
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1280188
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt2182525
IRS990/ProgSrvcAccomActy2Grp/Desc0ETCU OFFERS A VARIETY OF LOW RATE LOANS TO MEMBERS. SOUND UNDERWRITING HAS LEAD TO A SOLID, WELL COLLATERALIZED LOAN PORTFOLIO. VEHICLE, SIGNATURE AND CREDIT CARD LOANS ARE AVAILABLE TO MEMBERS. CREDIT, LIFE AND DISABILITY INSURANCE IS ALSO AVAILABLE.
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYInvestmentIncomeAmt01872862
IRS990/PYOtherExpensesAmt01665061
IRS990/PYProgramServiceRevenueAmt01524398
IRS990/PYRevenuesLessExpensesAmt0448690
IRS990/PYSalariesCompEmpBnftPaidAmt01283509
IRS990/PYTotalExpensesAmt02948570
IRS990/PYTotalRevenueAmt03397260
IRS990/ReconcilationRevenueExpnssAmt0426804
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0true
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt012124026
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt013297452
IRS990/SavingsAndTempCashInvstGrp/BOYAmt09641412
IRS990/SavingsAndTempCashInvstGrp/EOYAmt013767220
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/BuildingsGrp/BookValueAmt0147770
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0564019
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt0711789
IRS990ScheduleD/EquipmentGrp/BookValueAmt065421
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0945310
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt01010731
IRS990ScheduleD/LandGrp/BookValueAmt0206377
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0206377
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt075940130
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER SHARE ACCOUNTS
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt050077721
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt1153728
IRS990ScheduleD/OtherSecuritiesGrp/Desc0HELD TO MATURITY SECURITIES
IRS990ScheduleD/OtherSecuritiesGrp/Desc1PERPETUAL CONTRI CAPITAL AT CORP CU
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd0C
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd1C
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0419568
IRS990ScheduleD/TotalBookValueSecuritiesAmt050231449
IRS990ScheduleD/TotalLiabilityAmt075940130
IRS990ScheduleJ/EquityBasedCompArrngmInd0false
IRS990/ScheduleJRequiredInd0true
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0197360
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0MARY CARPENTER
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0CEO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt0197360
IRS990ScheduleJ/SeverancePaymentInd0false
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd0false
IRS990/ScheduleORequiredInd0false
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0FINANCIAL INSTITUTION PROVIDES BASIC FINANCIAL SERVICES TO MEMBERS IN THE FORM OF CHECKING, SAVINGS AND CERTIFICATE ACCOUNTS, IRAS, AND LOANS (SIGNATURE AND VEHICLE). THE CREDIT UNION ALSO PROVIDES CONVENIENCE SERVICES SUCH AS ONLINE BANKING, TELEPHONE BANKING, MONEY ORDERS AND TRAVELER'S CHECKS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE CREDIT UNION HAS MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2THE 990 IS REVEIWED BY THE BOARD OF DIRECTORS, THE CEO AND CFO.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3NO DOCUMENTS AVAILABLE TO THE PUBLIC
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990 - ORGANIZATION'S MISSION
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PAGE 6, PART VI, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PAGE 6, PART VI, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PAGE 6, PART VI, LINE 19
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/SubjectToExcsTaxNetInvstIncInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/SubjToTaxRmnrtnExPrchtPymtInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt092086437
IRS990/TotalAssetsEOYAmt090206871
IRS990/TotalAssetsGrp/BOYAmt092086437
IRS990/TotalAssetsGrp/EOYAmt090206871
IRS990/TotalCompGreaterThan150KInd0true
IRS990/TotalEmployeeCnt023
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt02968203
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt079962411
IRS990/TotalLiabilitiesEOYAmt076909419
IRS990/TotalLiabilitiesGrp/BOYAmt079962411
IRS990/TotalLiabilitiesGrp/EOYAmt076909419
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt012124026
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt013297452
IRS990/TotalProgramServiceRevenueAmt01821797
IRS990/TotalReportableCompFromOrgAmt0297230
IRS990/TotalRevenueGrp/ExclusionAmt01573210
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt01821797
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt03395007
IRS990/TotalVolunteersCnt05
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt092086437
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt090206871
IRS990/TypeOfOrganizationOtherInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt0900 W UNIVERSITY DRIVE
IRS990/USAddress/CityNm0EDINBURG
IRS990/USAddress/StateAbbreviationCd0TX
IRS990/USAddress/ZIPCd078539
IRS990/VotingMembersGoverningBodyCnt05
IRS990/VotingMembersIndependentCnt05
IRS990/WebsiteAddressTxt0WWW.ETCU.COOP
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0MARY CARPENTER
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0CEO
ReturnHeader/BusinessOfficerGrp/PhoneNum09562593511
ReturnHeader/BusinessOfficerGrp/SignatureDt02025-05-29
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0EDINBURG TEACHERS CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0EDIN
ReturnHeader/Filer/EIN0741279052
ReturnHeader/Filer/PhoneNum09562593511
ReturnHeader/Filer/USAddress/AddressLine1Txt0900 W UNIVERSITY DRIVE
ReturnHeader/Filer/USAddress/CityNm0EDINBURG
ReturnHeader/Filer/USAddress/StateAbbreviationCd0TX
ReturnHeader/Filer/USAddress/ZIPCd078539
ReturnHeader/IRSResponsiblePrtyInfoCurrInd0true
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0994503147
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0WAVERLY BUSINESS SERVICES
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt0180 A COMMERCE PARK DR
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0WESTERVILLE
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0OH
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd043082
ReturnHeader/PreparerPersonGrp/PhoneNum06148906620
ReturnHeader/PreparerPersonGrp/PreparationDt02025-06-03
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0ERIN ALDERSON EA
ReturnHeader/ReturnTs02025-06-27T09:08:44-04:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02024-01-01
ReturnHeader/TaxPeriodEndDt02024-12-31
ReturnHeader/TaxYr02024

Document Assets

No mirrored PDF or thumbnail assets are attached yet.