Civic Intelligence

Houston Highway Credit Union

EIN 74-1280652 • 501(c)14 • Houston, TX

View Organization Page

Profile

The credit union is a financial cooperative that has consumer financial products such as savings, checking, certificates of deposit, auto loans, and other personal consumer financial products.

8120 Washington AveHouston, TX 77007

www.houstonhighwaycu.com

Siviq Scores

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

Liabilities / Assets

65th percentile

0.90x

Higher debt load relative to assets than 65% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Source year 2024

Liabilities / Revenue

66th percentile

20.24x

Higher debt load relative to revenue than 66% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Source year 2024

Net Margin

99th percentile

43%

Higher net margin than 99% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Source year 2024

Top Officer Pay

Score unavailable

No value available

No filing with officer rows is available for this organization yet.

Asset Growth

42nd percentile

-1.2%

Faster asset growth than 42% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Annualized from 2023 to 2024

Revenue Growth

8th percentile

-11%

Faster revenue growth than 8% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets65th percentile

Assets

Down

$47,216,721

Down $554,253 (-1.2%) from 2023

Liabilities

Down

$42,336,762

Down $2,341,210 (-5.2%) from 2023

Net Assets

Up

$4,879,959

Up $1,786,957 (+58%) from 2023

Operations
Liabilities / Revenue66th percentileNet Margin99th percentile

Revenue

Down

$2,091,403

Down $248,205 (-11%) from 2023

Expenses

Down

$1,185,441

Down $277,134 (-19%) from 2023

Net Income

Up

$905,962

Up $28,929 (+3.3%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth42nd percentile

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

$80M$60M$40M$20M$0Assets 2010: $49,187,283Liabilities 2010: $44,520,869Net Assets 2010: $4,666,4142010Assets 2011: $53,362,382Liabilities 2011: $49,154,405Net Assets 2011: $4,207,9772011Assets 2012: $58,802,039Liabilities 2012: $54,206,052Net Assets 2012: $4,595,9872012Assets 2013: $61,150,527Liabilities 2013: $56,582,229Net Assets 2013: $4,568,2982013Assets 2014: $62,042,861Liabilities 2014: $57,394,095Net Assets 2014: $4,648,7662014Assets 2015: $63,136,456Liabilities 2015: $58,579,709Net Assets 2015: $4,556,7472015Assets 2016: $59,030,521Liabilities 2016: $55,386,302Net Assets 2016: $3,644,2192016Assets 2017: $59,360,820Liabilities 2017: $55,953,272Net Assets 2017: $3,407,5482017Assets 2018: $57,543,527Liabilities 2018: $54,021,873Net Assets 2018: $3,521,6542018Assets 2019: $53,674,475Liabilities 2019: $50,321,308Net Assets 2019: $3,353,1672019Assets 2020: $53,352,651Liabilities 2020: $50,481,556Net Assets 2020: $2,871,0952020Assets 2021: $52,034,607Liabilities 2021: $49,429,007Net Assets 2021: $2,605,6002021Assets 2022: $49,153,973Liabilities 2022: $47,074,798Net Assets 2022: $2,079,1752022Assets 2023: $47,770,974Liabilities 2023: $44,677,972Net Assets 2023: $3,093,0022023Assets 2024: $47,216,721Liabilities 2024: $42,336,762Net Assets 2024: $4,879,9592024

Highlighted filing

2024

Assets$47,216,721
Liabilities$42,336,762
Net Assets$4,879,959
Open 2024 Filing

Operations Trend

Revenue Growth8th percentile

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

$4.0M$2.0M$0-$2.0MExpenses 2010: $2,247,9502010Expenses 2011: $2,410,9432011Expenses 2012: $2,755,9532012Revenue 2013: $2,942,020Expenses 2013: $2,911,876Net Income 2013: $30,1442013Revenue 2014: $3,109,842Expenses 2014: $3,600,432Net Income 2014: -$490,5902014Revenue 2015: $2,961,561Expenses 2015: $2,954,668Net Income 2015: $6,8932015Revenue 2016: $2,897,071Expenses 2016: $3,266,110Net Income 2016: -$369,0392016Revenue 2017: $2,989,914Expenses 2017: $3,303,692Net Income 2017: -$313,7782017Revenue 2018: $2,975,073Expenses 2018: $2,801,931Net Income 2018: $173,1422018Revenue 2019: $2,823,659Expenses 2019: $2,723,488Net Income 2019: $100,1712019Revenue 2020: $2,361,390Expenses 2020: $2,850,000Net Income 2020: -$488,6102020Revenue 2021: $2,345,323Expenses 2021: $2,487,691Net Income 2021: -$142,3682021Revenue 2022: $2,201,820Expenses 2022: $2,943,417Net Income 2022: -$741,5972022Revenue 2023: $2,339,608Expenses 2023: $1,462,575Net Income 2023: $877,0332023Revenue 2024: $2,091,403Expenses 2024: $1,185,441Net Income 2024: $905,9622024

Highlighted filing

2024

Revenue$2,091,403
Expenses$1,185,441
Net Income$905,962
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
$47,216,721
Liabilities
$42,336,762
Net assets
$4,879,959
Revenue
$2,091,403
Expenses
$1,185,441
Net income
$905,962
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$47.2$42.3$4.88$2.09$1.19$0.91
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$47.8$44.7$3.09$2.34$1.46$0.88
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$49.2$47.1$2.08$2.20$2.94$0.74
2021Detailed filing. Detailed filing data is available for this year.$52.0$49.4$2.61$2.35$2.49$0.14
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$53.4$50.5$2.87$2.36$2.85$0.49
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$53.7$50.3$3.35$2.82$2.72$0.10
2018Facts available. Structured filing facts are available, but richer extracted sections are limited.$57.5$54.0$3.52$2.98$2.80$0.17
2017Detailed filing. Detailed filing data is available for this year.$59.4$56.0$3.41$2.99$3.30$0.31
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$59.0$55.4$3.64$2.90$3.27$0.37
2015Detailed filing. Detailed filing data is available for this year.$63.1$58.6$4.56$2.96$2.95$0.01
2014Detailed filing. Detailed filing data is available for this year.$62.0$57.4$4.65$3.11$3.60$0.49
2013Detailed filing. Detailed filing data is available for this year.$61.2$56.6$4.57$2.94$2.91$0.03
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$58.8$54.2$4.60$2.76
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$53.4$49.2$4.21$2.41
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$49.2$44.5$4.67$2.25
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Apr 21, 2025
Return Version
2024v5.1
Gross Receipts
$2,091,403
Mission and Program Overview

Mission

The credit union is a financial cooperative that has consumer financial products such as savings, checking, certificates of deposit, auto loans, and other personal consumer financial products.

The credit union is a financial cooperative providing all types of financial services to its members aat competitive rates

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$29,597,975$24,084,753▼ $5,513,222
Investments Program Related$7,870,078$11,496,227▲ $3,626,149
Rtn Earn Endowment Incm Other Fnds$3,093,002$4,879,959▲ $1,786,957
Land, Buildings, and Equipment, Net$2,242,707$2,131,988▼ $110,719
Cash and Non-Interest-Bearing Accounts$462,743$532,364▲ $69,621
Receivables From Officers Etc$121,882$128,290▲ $6,408
Prepaid Expenses and Deferred Charges$134,660$111,083▼ $23,577
Accounts Receivable$115,857$102,556▼ $13,301
Total Assets$47,770,974$47,216,721▼ $554,253
Other Assets Total$7,225,072$8,629,460▲ $1,404,388
Liabilities
Other Liabilities$44,407,959$42,154,884▼ $2,253,075
Accounts Payable and Accrued Expenses$270,013$181,878▼ $88,135
Total Liabilities$44,677,972$42,336,762▼ $2,341,210
Net Assets / Fund Balance
Total Net Assets Fund Balance$3,093,002$4,879,959▲ $1,786,957
Total Liabilities and Net Assets / Fund Balance$47,770,974$47,216,721▼ $554,253

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$1,792,181$901,906$2,694,087
Equipment$105,866$461,588$567,454
Investment Program Related Org$8,286,855--
Land$233,941--
Other Assets Org$96,547--
Compensation and Service Providers
Top Officer PayScore unavailable

Employees

NameTitleFull / Part TimeBaseTotal
David GerowManager/CEOFT$128,140$128,140

Board Members and Trustees

NameTitle
Mike AlfordBoard Chair
Rita DennisVice Chair
Lonnie Johnson SrMember
Orlando FelixMember
Quincy AllenMember
Sonja TrojanSecretary
Otto MareshTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$1,904,304
Investment Income
$243,677
Other Revenue
$-56,578
Change in Net Assets
$905,962
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$1,530,364
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0
Salaries, Compensation, and Employee Benefits$-344,923

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$323,258$0$0$323,258
Fees for Services Accounting$278,977$0$0$278,977
All Other Expenses$278,913$0$0$278,913
Fees for Services Other$174,542$0$0$174,542
Office Expenses$129,781$0$0$129,781
Current Officers, Directors, Trustees, and Key Employees$128,140$0$0$128,140
Depreciation Depletion$112,015$0$0$112,015
Other Employee Benefits$89,119$0$0$89,119
Information Technology$88,506$0$0$88,506
Occupancy$81,959$0$0$81,959
Insurance$70,506$0$0$70,506
Payroll Taxes$35,962$0$0$35,962
Advertising$30,602$0$0$30,602
Fees for Services Legal$15,282$0$0$15,282
Other Expenses$8,954$0$0$8,954
Travel$6,000$0$0$6,000
Conferences and Meetings$1,200$0$0$1,200
Interest$102$0$0$102
Pension Plan Contributions$-921,402$0$0$-921,402
Total Functional Expenses$1,185,441$0$0$1,185,441
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
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Officers, Directors, Trustees, and Key Employees$121,882$128,290▲ $6,408
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Shares$42,154,884
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
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
Yes
Other officer compensation reviewed
Yes
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No
Filing and Contact Details

Filer

Filer Name
Houston Highway Credit Union
EIN
74-1280652
Phone
7138644438
Address
8120 WASHINGTON AVE, HOUSTON, TX 77007

Signing Officer

Name
David Gerow
Title
CEO
Phone
7138644438
Signed
2025-04-21
Discuss with paid preparer
Yes

Organization Details

Principal Officer
David Gerow
Formed
1952
Legal Domicile
TX
Voting Board Members
7
Independent Board Members
7
Employees
11
Volunteers
0

Preparer

Firm
Greg R Schmidt CPA
Address
26 Cypress Pt, Amarillo, TX 79124
Preparer
Greg R Schmidt
Phone
8552759297
Supplemental Narrative

Additional Explanations

Pt VI, Line 6

“All accountholders are also members of the credit union”

Pt VI, Line 7A

“Officers of the credit union are elected by the members”

Pt VI, Line 11B

“The board reviews and approves the form 990 prior to filing”

Pt VI, Line 12C

“Members of the board are required to disclose any possible conflicts of interest”

Pt VI, Line 15A

“The board reviews annually the compensation packages of all key employees”

Pt VI, Line 15B

“The board reviews annually the compensation packages of all key employees”

Pt XI

“Cecl adjustment posted to undivided earnings”

Form 990, Part IX, Line 24E

“Dividends paid 277079. 277079.”

Form 990, Part IX, Line 24E

“Association dues 1834. 1834.”

Raw XML AppendixShowing 400 of 457 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/BOYAmt0270013
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt0181878
IRS990/AccountsReceivableGrp/BOYAmt0115857
IRS990/AccountsReceivableGrp/EOYAmt0102556
IRS990/ActivitiesConductedPrtshpInd0false
IRS990/ActivityOrMissionDesc0THE CREDIT UNION IS A FINANCIAL COOPERATIVE PROVIDING ALL TYPES OF FINANCIAL SERVICES TO ITS MEMBERS AAT COMPETITIVE RATES
IRS990/AdvertisingGrp/FundraisingAmt00
IRS990/AdvertisingGrp/ManagementAndGeneralAmt00
IRS990/AdvertisingGrp/ProgramServicesAmt030602
IRS990/AdvertisingGrp/TotalAmt030602
IRS990/AllOtherExpensesGrp/FundraisingAmt00
IRS990/AllOtherExpensesGrp/ManagementAndGeneralAmt00
IRS990/AllOtherExpensesGrp/ProgramServicesAmt0278913
IRS990/AllOtherExpensesGrp/TotalAmt0278913
IRS990/AnnualDisclosureCoveredPrsnInd0true
IRS990/BooksInCareOfDetail/PersonNm0DAVID GEROW
IRS990/BooksInCareOfDetail/PhoneNum07138644438
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt08120 WASHINGTON AVE
IRS990/BooksInCareOfDetail/USAddress/CityNm0HOUSTON
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0TX
IRS990/BooksInCareOfDetail/USAddress/ZIPCd077007
IRS990/BusinessRlnWith35CtrlEntInd0false
IRS990/BusinessRlnWithFamMemInd0false
IRS990/BusinessRlnWithOrgMemInd0false
IRS990/CashNonInterestBearingGrp/BOYAmt0462743
IRS990/CashNonInterestBearingGrp/EOYAmt0532364
IRS990/ChangeToOrgDocumentsInd0false
IRS990/CollectionsOfArtInd0false
IRS990/CompCurrentOfcrDirectorsGrp/FundraisingAmt00
IRS990/CompCurrentOfcrDirectorsGrp/ManagementAndGeneralAmt00
IRS990/CompCurrentOfcrDirectorsGrp/ProgramServicesAmt0128140
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt0128140
IRS990/CompensationFromOtherSrcsInd0false
IRS990/CompensationProcessCEOInd0true
IRS990/CompensationProcessOtherInd0true
IRS990/ConferencesMeetingsGrp/FundraisingAmt00
IRS990/ConferencesMeetingsGrp/ManagementAndGeneralAmt00
IRS990/ConferencesMeetingsGrp/ProgramServicesAmt01200
IRS990/ConferencesMeetingsGrp/TotalAmt01200
IRS990/ConflictOfInterestPolicyInd0true
IRS990/ConservationEasementsInd0false
IRS990/ConsolidatedAuditFinclStmtInd0false
IRS990/CreditCounselingInd0false
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt0243677
IRS990/CYOtherExpensesAmt01530364
IRS990/CYOtherRevenueAmt0-56578
IRS990/CYProgramServiceRevenueAmt01904304
IRS990/CYRevenuesLessExpensesAmt0905962
IRS990/CYSalariesCompEmpBnftPaidAmt0-344923
IRS990/CYTotalExpensesAmt01185441
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt02091403
IRS990/DecisionsSubjectToApprovaInd0false
IRS990/DeductibleArtContributionInd0false
IRS990/DeductibleNonCashContriInd0false
IRS990/DelegationOfMgmtDutiesInd0false
IRS990/DepreciationDepletionGrp/FundraisingAmt00
IRS990/DepreciationDepletionGrp/ManagementAndGeneralAmt00
IRS990/DepreciationDepletionGrp/ProgramServicesAmt0112015
IRS990/DepreciationDepletionGrp/TotalAmt0112015
IRS990/Desc0THE CREDIT UNION OFFERS ALL TYPES OF LOAN PRODUCTS AT COMPETITIVE RATES
IRS990/DescribedInSection501c3Ind0false
IRS990/DisregardedEntityInd0false
IRS990/DocumentRetentionPolicyInd0true
IRS990/DonorAdvisedFundInd0false
IRS990/DonorRstrOrQuasiEndowmentsInd0false
IRS990/ElectionOfBoardMembersInd0true
IRS990/EmployeeCnt011
IRS990/EmploymentTaxReturnsFiledInd0true
IRS990/FamilyOrBusinessRlnInd0false
IRS990/FederalGrantAuditRequiredInd0false
IRS990/FeesForServicesAccountingGrp/FundraisingAmt00
IRS990/FeesForServicesAccountingGrp/ManagementAndGeneralAmt00
IRS990/FeesForServicesAccountingGrp/ProgramServicesAmt0278977
IRS990/FeesForServicesAccountingGrp/TotalAmt0278977
IRS990/FeesForServicesLegalGrp/FundraisingAmt00
IRS990/FeesForServicesLegalGrp/ManagementAndGeneralAmt00
IRS990/FeesForServicesLegalGrp/ProgramServicesAmt015282
IRS990/FeesForServicesLegalGrp/TotalAmt015282
IRS990/FeesForServicesOtherGrp/FundraisingAmt00
IRS990/FeesForServicesOtherGrp/ManagementAndGeneralAmt00
IRS990/FeesForServicesOtherGrp/ProgramServicesAmt0174542
IRS990/FeesForServicesOtherGrp/TotalAmt0174542
IRS990/ForeignActivitiesInd0false
IRS990/ForeignFinancialAccountInd0false
IRS990/ForeignOfficeInd0false
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt00.50
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt10.50
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt20.50
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt30.50
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt40.50
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt50.50
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt60.50
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt740.00
IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd1X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd2X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd3X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd4X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd5X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd6X
IRS990/Form990PartVIISectionAGrp/KeyEmployeeInd0X
IRS990/Form990PartVIISectionAGrp/OfficerInd0X
IRS990/Form990PartVIISectionAGrp/OfficerInd1X
IRS990/Form990PartVIISectionAGrp/OfficerInd2X
IRS990/Form990PartVIISectionAGrp/OfficerInd3X
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/PersonNm0MIKE ALFORD
IRS990/Form990PartVIISectionAGrp/PersonNm1RITA DENNIS
IRS990/Form990PartVIISectionAGrp/PersonNm2OTTO MARESH
IRS990/Form990PartVIISectionAGrp/PersonNm3SONJA TROJAN
IRS990/Form990PartVIISectionAGrp/PersonNm4LONNIE JOHNSON SR
IRS990/Form990PartVIISectionAGrp/PersonNm5ORLANDO FELIX
IRS990/Form990PartVIISectionAGrp/PersonNm6QUINCY ALLEN
IRS990/Form990PartVIISectionAGrp/PersonNm7DAVID GEROW
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt7128140
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/TitleTxt0BOARD CHAIR
IRS990/Form990PartVIISectionAGrp/TitleTxt1VICE CHAIR
IRS990/Form990PartVIISectionAGrp/TitleTxt2TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt3SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt4MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt5MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt6MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt7MANAGER/CEO
IRS990/Form990ProvidedToGvrnBodyInd0true
IRS990/FormationYr01952
IRS990/FormerOfcrEmployeesListedInd0false
IRS990/FSAuditedInd0false
IRS990/FundraisingActivitiesInd0false
IRS990/GamingActivitiesInd0false
IRS990/GoverningBodyVotingMembersCnt07
IRS990/GrantsToIndividualsInd0false
IRS990/GrantsToOrganizationsInd0false
IRS990/GrantToRelatedPersonInd0false
IRS990/GrossReceiptsAmt02091403
IRS990/GroupReturnForAffiliatesInd0false
IRS990/IncludeFIN48FootnoteInd0false
IRS990/IndependentAuditFinclStmtInd0false
IRS990/IndependentVotingMemberCnt07
IRS990/IndivRcvdGreaterThan100KCnt01
IRS990/IndoorTanningServicesInd0false
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartXIInd0X
IRS990/InformationTechnologyGrp/FundraisingAmt00
IRS990/InformationTechnologyGrp/ManagementAndGeneralAmt00
IRS990/InformationTechnologyGrp/ProgramServicesAmt088506
IRS990/InformationTechnologyGrp/TotalAmt088506
IRS990/InsuranceGrp/FundraisingAmt00
IRS990/InsuranceGrp/ManagementAndGeneralAmt00
IRS990/InsuranceGrp/ProgramServicesAmt070506
IRS990/InsuranceGrp/TotalAmt070506
IRS990/InterestGrp/FundraisingAmt00
IRS990/InterestGrp/ManagementAndGeneralAmt00
IRS990/InterestGrp/ProgramServicesAmt0102
IRS990/InterestGrp/TotalAmt0102
IRS990/InvestmentIncomeGrp/ExclusionAmt00
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt0243677
IRS990/InvestmentIncomeGrp/UnrelatedBusinessRevenueAmt00
IRS990/InvestmentInJointVentureInd0false
IRS990/InvestmentsProgramRelatedGrp/BOYAmt07870078
IRS990/InvestmentsProgramRelatedGrp/EOYAmt011496227
IRS990/IRPDocumentCnt0460
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt01363494
IRS990/LandBldgEquipBasisNetGrp/BOYAmt02242707
IRS990/LandBldgEquipBasisNetGrp/EOYAmt02131988
IRS990/LandBldgEquipCostOrOtherBssAmt03495482
IRS990/LegalDomicileStateCd0TX
IRS990/LoanOutstandingInd0true
IRS990/LocalChaptersInd0false
IRS990/MaterialDiversionOrMisuseInd0false
IRS990/MembersOrStockholdersInd0true
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd0true
IRS990/MinutesOfGoverningBodyInd0true
IRS990/MissionDesc0THE CREDIT UNION IS A FINANCIAL COOPERATIVE PROVIDING ALL TYPES OF FINANCIAL SERVICES TO ITS MEMBERS AAT COMPETITIVE RATES
IRS990/MoreThan5000KToIndividualsInd0false
IRS990/MoreThan5000KToOrgInd0false
IRS990/NetAssetsOrFundBalancesBOYAmt03093002
IRS990/NetAssetsOrFundBalancesEOYAmt04879959
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NetUnrlzdGainsLossesInvstAmt0880995
IRS990/NondeductibleContributionsInd0false
IRS990/OccupancyGrp/FundraisingAmt00
IRS990/OccupancyGrp/ManagementAndGeneralAmt00
IRS990/OccupancyGrp/ProgramServicesAmt081959
IRS990/OccupancyGrp/TotalAmt081959
IRS990/OfficeExpensesGrp/FundraisingAmt00
IRS990/OfficeExpensesGrp/ManagementAndGeneralAmt00
IRS990/OfficeExpensesGrp/ProgramServicesAmt0129781
IRS990/OfficeExpensesGrp/TotalAmt0129781
IRS990/OfficerMailingAddressInd0false
IRS990/OperateHospitalInd0false
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt07225072
IRS990/OtherAssetsTotalGrp/EOYAmt08629460
IRS990/OtherEmployeeBenefitsGrp/FundraisingAmt00
IRS990/OtherEmployeeBenefitsGrp/ManagementAndGeneralAmt00
IRS990/OtherEmployeeBenefitsGrp/ProgramServicesAmt089119
IRS990/OtherEmployeeBenefitsGrp/TotalAmt089119
IRS990/OtherExpensesGrp/Desc0LOAN LOSS PROVISION
IRS990/OtherExpensesGrp/Desc1LOAN SERVICING
IRS990/OtherExpensesGrp/Desc2OPERATING FEES
IRS990/OtherExpensesGrp/Desc3MISC
IRS990/OtherExpensesGrp/FundraisingAmt00
IRS990/OtherExpensesGrp/FundraisingAmt10
IRS990/OtherExpensesGrp/FundraisingAmt20
IRS990/OtherExpensesGrp/FundraisingAmt30
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt00
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt10
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt20
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt30
IRS990/OtherExpensesGrp/ProgramServicesAmt0-9864
IRS990/OtherExpensesGrp/ProgramServicesAmt1252894
IRS990/OtherExpensesGrp/ProgramServicesAmt29995
IRS990/OtherExpensesGrp/ProgramServicesAmt38954
IRS990/OtherExpensesGrp/TotalAmt0-9864
IRS990/OtherExpensesGrp/TotalAmt1252894
IRS990/OtherExpensesGrp/TotalAmt29995
IRS990/OtherExpensesGrp/TotalAmt38954
IRS990/OtherLiabilitiesGrp/BOYAmt044407959
IRS990/OtherLiabilitiesGrp/EOYAmt042154884
IRS990/OtherRevenueMiscGrp/BusinessCd0522100
IRS990/OtherRevenueMiscGrp/Desc0NON OPERATING GAINS
IRS990/OtherRevenueMiscGrp/ExclusionAmt00
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt0-56578
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt0-56578
IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt00
IRS990/OtherRevenueTotalAmt0-56578
IRS990/OtherSalariesAndWagesGrp/FundraisingAmt00
IRS990/OtherSalariesAndWagesGrp/ManagementAndGeneralAmt00
IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt0323258
IRS990/OtherSalariesAndWagesGrp/TotalAmt0323258
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt029597975
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt024084753
IRS990/PartialLiquidationInd0false
IRS990/PayrollTaxesGrp/FundraisingAmt00
IRS990/PayrollTaxesGrp/ManagementAndGeneralAmt00
IRS990/PayrollTaxesGrp/ProgramServicesAmt035962
IRS990/PayrollTaxesGrp/TotalAmt035962
IRS990/PensionPlanContributionsGrp/FundraisingAmt00
IRS990/PensionPlanContributionsGrp/ManagementAndGeneralAmt00
IRS990/PensionPlanContributionsGrp/ProgramServicesAmt0-921402
IRS990/PensionPlanContributionsGrp/TotalAmt0-921402
IRS990/PoliticalCampaignActyInd0false
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0134660
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0111083
IRS990/PrincipalOfficerNm0DAVID GEROW
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/BusinessCd2522100
IRS990/ProgramServiceRevenueGrp/Desc0INTEREST ON LOANS
IRS990/ProgramServiceRevenueGrp/Desc1FEES & CHARGES
IRS990/ProgramServiceRevenueGrp/Desc2OTHER OPERATING
IRS990/ProgramServiceRevenueGrp/ExclusionAmt00
IRS990/ProgramServiceRevenueGrp/ExclusionAmt10
IRS990/ProgramServiceRevenueGrp/ExclusionAmt20
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt01543760
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1315047
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt245497
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt10
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt28088
IRS990/ProgSrvcAccomActy2Grp/Desc0THE CREDIT UNION OFFERS SAVINGS PRODUCTS AT COMPETITIVE RATES
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYInvestmentIncomeAmt0101457
IRS990/PYOtherExpensesAmt01408921
IRS990/PYOtherRevenueAmt044175
IRS990/PYProgramServiceRevenueAmt02193976
IRS990/PYRevenuesLessExpensesAmt0877033
IRS990/PYSalariesCompEmpBnftPaidAmt053654
IRS990/PYTotalExpensesAmt01462575
IRS990/PYTotalRevenueAmt02339608
IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt0121882
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt0128290
IRS990/ReconcilationRevenueExpnssAmt0905962
IRS990/RegularMonitoringEnfrcInd0true
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0true
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0true
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt03093002
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt04879959
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/BuildingsGrp/BookValueAmt01792181
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0901906
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt02694087
IRS990ScheduleD/EquipmentGrp/BookValueAmt0105866
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0461588
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt0567454
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt03209372
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt18286855
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc0SECURITIES
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc1CDs AND OTHER
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd0F
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd1C
IRS990ScheduleD/LandGrp/BookValueAmt0233941
IRS990ScheduleD/LandGrp/InvestmentCostOrOtherBasisAmt0233941
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt08532913
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt196547
IRS990ScheduleD/OtherAssetsOrgGrp/Desc0PENSION ASSET
IRS990ScheduleD/OtherAssetsOrgGrp/Desc1OTHER
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt042154884
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER SHARES
IRS990ScheduleD/TotalBookValueLandBuildingsAmt02131988
IRS990ScheduleD/TotalBookValueOtherAssetsAmt08629460
IRS990ScheduleD/TotalBookValueProgramRltdAmt011496227
IRS990ScheduleD/TotalLiabilityAmt042154884
IRS990/ScheduleJRequiredInd0false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt060097
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt168193
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd0true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd1true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd0false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd1false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd0X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd1X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt0VARIOUS
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt1VARIOUS
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt083049
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt193500
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm0OTTO MARESH
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm1DAVID GEROW
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt0BOARD
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt1CEO
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd0true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd1true
IRS990ScheduleL/TotalBalanceDueAmt0128290
IRS990/ScheduleORequiredInd0false
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0ALL ACCOUNTHOLDERS ARE ALSO MEMBERS OF THE CREDIT UNION
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1OFFICERS OF THE CREDIT UNION ARE ELECTED BY THE MEMBERS
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2THE BOARD REVIEWS AND APPROVES THE FORM 990 PRIOR TO FILING
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3MEMBERS OF THE BOARD ARE REQUIRED TO DISCLOSE ANY POSSIBLE CONFLICTS OF INTEREST
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4THE BOARD REVIEWS ANNUALLY THE COMPENSATION PACKAGES OF ALL KEY EMPLOYEES
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5THE BOARD REVIEWS ANNUALLY THE COMPENSATION PACKAGES OF ALL KEY EMPLOYEES
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6CECL ADJUSTMENT POSTED TO UNDIVIDED EARNINGS
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7DIVIDENDS PAID 277079. 277079.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt8ASSOCIATION DUES 1834. 1834.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Pt VI, Line 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Pt VI, Line 7a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Pt VI, Line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Pt VI, Line 12c
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Pt VI, Line 15a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Pt VI, Line 15b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6Pt XI
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7Form 990, Part IX, Line 24e
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc8Form 990, Part IX, Line 24e
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt047770974
IRS990/TotalAssetsEOYAmt047216721
IRS990/TotalAssetsGrp/BOYAmt047770974
IRS990/TotalAssetsGrp/EOYAmt047216721
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt011
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt01185441
IRS990/TotalFunctionalExpensesGrp/TotalAmt01185441
IRS990/TotalGrossUBIAmt08088
IRS990/TotalLiabilitiesBOYAmt044677972
IRS990/TotalLiabilitiesEOYAmt042336762

Document Assets

No mirrored PDF or thumbnail assets are attached yet.