Civic Intelligence

Baptist Credit Union

EIN 74-1300807 • 501(c)14 • San Antonio, TX

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Profile

Baptist credit union exists to improve member's lives through extraordinary service, quality financial products and services, personal financial education, and a long term relationship with the cu.

5815 I10 WestSan Antonio, TX 78201-2800

n/A

Siviq Scores

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

Liabilities / Assets

92nd percentile

0.92x

Higher debt load relative to assets than 92% of similar nonprofits.

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

Liabilities / Revenue

24th percentile

13.33x

Higher debt load relative to revenue than 24% of similar nonprofits.

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

Net Margin

27th percentile

4.7%

Higher net margin than 27% of similar nonprofits.

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

Top Officer Pay

53rd percentile

$163,802

Higher top officer pay than 53% of similar nonprofits.

Top officer pay equals 4.5% of source-year revenue.

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

Asset Growth

83rd percentile

7.5%

Faster asset growth than 83% of similar nonprofits.

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

Revenue Growth

56th percentile

12%

Faster revenue growth than 56% of similar nonprofits.

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

Balance Sheet
Liabilities / Assets92nd percentile

Assets

Up

$52,488,924

Up $3,670,706 (+7.5%) from 2023

Liabilities

Up

$48,313,747

Up $3,455,629 (+7.7%) from 2023

Net Assets

Up

$4,175,177

Up $215,077 (+5.4%) from 2023

Operations
Liabilities / Revenue24th percentileNet Margin27th percentile

Revenue

Up

$3,624,487

Up $374,952 (+12%) from 2023

Expenses

Up

$3,454,358

Up $379,789 (+12%) from 2023

Net Income

Down

$170,129

Down $4,837 (-2.8%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth83rd percentile

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

$60M$40M$20M$0Assets 2010: $27,918,139Liabilities 2010: $24,913,140Net Assets 2010: $3,004,9992010Assets 2011: $28,084,497Liabilities 2011: $25,185,810Net Assets 2011: $2,898,6872011Assets 2012: $28,607,500Liabilities 2012: $25,601,279Net Assets 2012: $3,006,2212012Assets 2013: $31,098,770Liabilities 2013: $27,923,334Net Assets 2013: $3,175,4362013Assets 2014: $32,155,305Liabilities 2014: $28,986,427Net Assets 2014: $3,168,8782014Assets 2015: $32,537,391Liabilities 2015: $29,376,440Net Assets 2015: $3,160,9512015Assets 2016: $35,228,413Liabilities 2016: $32,158,366Net Assets 2016: $3,070,0472016Assets 2017: $34,126,413Liabilities 2017: $31,114,626Net Assets 2017: $3,011,7872017Assets 2018: $34,314,331Liabilities 2018: $31,229,552Net Assets 2018: $3,084,7792018Assets 2019: $37,798,085Liabilities 2019: $34,631,034Net Assets 2019: $3,167,0512019Assets 2020: $44,117,363Liabilities 2020: $40,872,620Net Assets 2020: $3,244,7432020Assets 2021: $47,813,661Liabilities 2021: $44,347,424Net Assets 2021: $3,466,2372021Assets 2022: $49,159,061Liabilities 2022: $45,494,645Net Assets 2022: $3,664,4162022Assets 2023: $48,818,218Liabilities 2023: $44,858,118Net Assets 2023: $3,960,1002023Assets 2024: $52,488,924Liabilities 2024: $48,313,747Net Assets 2024: $4,175,1772024

Highlighted filing

2024

Assets$52,488,924
Liabilities$48,313,747
Net Assets$4,175,177
Open 2024 Filing

Operations Trend

Revenue Growth56th percentile

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

$4.0M$3.0M$2.0M$1.0M$0-$1.0MExpenses 2010: $2,868,2202010Expenses 2011: $2,762,7072011Expenses 2012: $2,611,1162012Revenue 2013: $2,707,385Expenses 2013: $2,538,170Net Income 2013: $169,2152013Revenue 2014: $2,637,792Expenses 2014: $2,644,350Net Income 2014: -$6,5582014Revenue 2015: $2,529,234Expenses 2015: $2,537,161Net Income 2015: -$7,9272015Revenue 2016: $2,453,794Expenses 2016: $2,544,698Net Income 2016: -$90,9042016Revenue 2017: $2,499,262Expenses 2017: $2,557,522Net Income 2017: -$58,2602017Revenue 2018: $2,523,947Expenses 2018: $2,450,955Net Income 2018: $72,9922018Revenue 2019: $2,671,875Expenses 2019: $2,589,603Net Income 2019: $82,2722019Revenue 2020: $2,642,296Expenses 2020: $2,564,604Net Income 2020: $77,6922020Revenue 2021: $2,637,130Expenses 2021: $2,415,636Net Income 2021: $221,4942021Revenue 2022: $2,937,381Expenses 2022: $2,739,202Net Income 2022: $198,1792022Revenue 2023: $3,249,535Expenses 2023: $3,074,569Net Income 2023: $174,9662023Revenue 2024: $3,624,487Expenses 2024: $3,454,358Net Income 2024: $170,1292024

Highlighted filing

2024

Revenue$3,624,487
Expenses$3,454,358
Net Income$170,129
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$52,488,924
Liabilities
$48,313,747
Net assets
$4,175,177
Revenue
$3,624,487
Expenses
$3,454,358
Net income
$170,129
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$52.5$48.3$4.18$3.62$3.45$0.17
2023Detailed filing. Detailed filing data is available for this year.$48.8$44.9$3.96$3.25$3.07$0.17
2022Detailed filing. Detailed filing data is available for this year.$49.2$45.5$3.66$2.94$2.74$0.20
2021Detailed filing. Detailed filing data is available for this year.$47.8$44.3$3.47$2.64$2.42$0.22
2020Detailed filing. Detailed filing data is available for this year.$44.1$40.9$3.24$2.64$2.56$0.08
2019Detailed filing. Detailed filing data is available for this year.$37.8$34.6$3.17$2.67$2.59$0.08
2018Detailed filing. Detailed filing data is available for this year.$34.3$31.2$3.08$2.52$2.45$0.07
2017Detailed filing. Detailed filing data is available for this year.$34.1$31.1$3.01$2.50$2.56$0.06
2016Detailed filing. Detailed filing data is available for this year.$35.2$32.2$3.07$2.45$2.54$0.09
2015Detailed filing. Detailed filing data is available for this year.$32.5$29.4$3.16$2.53$2.54$0.01
2014Detailed filing. Detailed filing data is available for this year.$32.2$29.0$3.17$2.64$2.64$0.01
2013Detailed filing. Detailed filing data is available for this year.$31.1$27.9$3.18$2.71$2.54$0.17
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$28.6$25.6$3.01$2.61
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$28.1$25.2$2.90$2.76
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$27.9$24.9$3.00$2.87
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Mar 6, 2025
Return Version
2024v5.0
Gross Receipts
$3,624,487
Mission and Program Overview

Mission

Baptist credit union exists to improve members lives through extraordinary service, quality financial products and services, personal financial education, and a long term relationship with the cu.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$37,005,301$38,335,086▲ $1,329,785
Investments Program Related$8,667,351$11,354,537▲ $2,687,186
Rtn Earn Endowment Incm Other Fnds$3,960,100$4,175,177▲ $215,077
Land, Buildings, and Equipment, Net$367,750$865,585▲ $497,835
Receivables From Officers Etc$890,717$718,952▼ $171,765
Cash and Non-Interest-Bearing Accounts$664,996$398,873▼ $266,123
Accounts Receivable$580,629$176,391▼ $404,238
Prepaid Expenses and Deferred Charges$103,954$98,716▼ $5,238
Total Assets$48,818,218$52,488,924▲ $3,670,706
Other Assets Total$537,520$540,784▲ $3,264
Liabilities
Other Liabilities$44,630,771$47,958,461▲ $3,327,690
Accounts Payable and Accrued Expenses$227,347$355,286▲ $127,939
Total Liabilities$44,858,118$48,313,747▲ $3,455,629
Net Assets / Fund Balance
Total Net Assets Fund Balance$3,960,100$4,175,177▲ $215,077
Total Liabilities and Net Assets / Fund Balance$48,818,218$52,488,924▲ $3,670,706

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$660,074$464,749$1,124,823
Equipment$165,504$798,060$963,564
Leasehold Improvements$0$65,552$65,552
Investment Program Related Org$2,712--
Land$40,007--
Compensation and Service Providers
Top Officer Pay53rd percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Nicolas Holguin--$148,531$35,940$184,471
Nicolas HolguinPresident/CEOFT$163,802-$163,802
Dorothy RoeseSVP/CFOFT$118,769-$118,769

Board Members and Trustees

NameTitle
Keith CrouchBoard Chair
Bill ArnoldVice Chair
Emily TarinMember
Harvey FoegelleMember
James BenitezMember
Maria GonzalesMember
Ward HaysMember
Mary TothSecretary
Robert ScofieldTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$3,101,221
Investment Income
$523,266
Other Revenue
$0
Change in Net Assets
$170,129
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$1,938,775
Salaries, Compensation, and Employee Benefits$1,515,583
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
All Other Expenses$928,104$0$0$928,104
Other Salaries and Wages$824,984$0$0$824,984
Office Expenses$453,079$0$0$453,079
Current Officers, Directors, Trustees, and Key Employees$282,571$0$0$282,571
Other Employee Benefits$250,833$0$0$250,833
Occupancy$173,648$0$0$173,648
Payroll Taxes$88,918$0$0$88,918
Pension Plan Contributions$68,277$0$0$68,277
Insurance$55,216$0$0$55,216
Depreciation Depletion$53,890$0$0$53,890
Advertising$47,195$0$0$47,195
Conferences and Meetings$12,212$0$0$12,212
Other Expenses$9,438$0$0$9,438
Interest$154$0$0$154
Total Functional Expenses$3,454,358$0$0$3,454,358
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$890,717$718,952▼ $171,765
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Shares$47,958,461
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Backup withholding compliance
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
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
Baptist Credit Union
EIN
74-1300807
Phone
2105250100
Address
5815 I10 WEST, SAN ANTONIO, TX 78201-2800

Signing Officer

Name
Nick Holguin
Title
CEO
Phone
2105250100
Signed
2025-03-06
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Nick Holguin
Formed
1955
Legal Domicile
TX
Voting Board Members
9
Independent Board Members
9
Employees
29
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 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 annually reviews the compensation packages of all key employees”

Pt VI, Line 15B

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

Pt XI

“IT RESERVE”

Form 990, Part IX, Line 24E

“MISC 55888. 55888.”

Form 990, Part IX, Line 24E

“Dividends paid 576374. 576374.”

Form 990, Part IX, Line 24E

“Debit card/atm expenses 238320. 238320.”

Form 990, Part IX, Line 24E

“Atm related 57522. 57522.”

Form 990, Part IX, Line 24E

“UNDERWRITING RELATED”

Raw XML AppendixShowing 400 of 485 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
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IRS990/Form990PartVIISectionAGrp/TitleTxt2SECRETARY
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IRS990/Form990PartVIISectionAGrp/TitleTxt10SVP/CFO
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IRS990/InsuranceGrp/ManagementAndGeneralAmt00
IRS990/InsuranceGrp/ProgramServicesAmt055216
IRS990/InsuranceGrp/TotalAmt055216
IRS990/InterestGrp/FundraisingAmt00
IRS990/InterestGrp/ManagementAndGeneralAmt00
IRS990/InterestGrp/ProgramServicesAmt0154
IRS990/InterestGrp/TotalAmt0154
IRS990/InvestmentIncomeGrp/ExclusionAmt00
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt0523266
IRS990/InvestmentIncomeGrp/UnrelatedBusinessRevenueAmt00
IRS990/InvestmentInJointVentureInd0false
IRS990/InvestmentsProgramRelatedGrp/BOYAmt08667351
IRS990/InvestmentsProgramRelatedGrp/EOYAmt011354537
IRS990/IRPDocumentCnt01040
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt01328361
IRS990/LandBldgEquipBasisNetGrp/BOYAmt0367750
IRS990/LandBldgEquipBasisNetGrp/EOYAmt0865585
IRS990/LandBldgEquipCostOrOtherBssAmt02193946
IRS990/LegalDomicileStateCd0TX
IRS990/LoanOutstandingInd0true
IRS990/LocalChaptersInd0false
IRS990/MaterialDiversionOrMisuseInd0false
IRS990/MembersOrStockholdersInd0true
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd0true
IRS990/MinutesOfGoverningBodyInd0true
IRS990/MissionDesc0BAPTIST CREDIT UNION EXISTS TO IMPROVE MEMBERS LIVES THROUGH EXTRAORDINARY SERVICE, QUALITY FINANCIAL PRODUCTS AND SERVICES, PERSONAL FINANCIAL EDUCATION, AND A LONG TERM RELATIONSHIP WITH THE CU.
IRS990/MoreThan5000KToIndividualsInd0false
IRS990/MoreThan5000KToOrgInd0false
IRS990/NetAssetsOrFundBalancesBOYAmt03960100
IRS990/NetAssetsOrFundBalancesEOYAmt04175177
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NondeductibleContributionsInd0false
IRS990/OccupancyGrp/FundraisingAmt00
IRS990/OccupancyGrp/ManagementAndGeneralAmt00
IRS990/OccupancyGrp/ProgramServicesAmt0173648
IRS990/OccupancyGrp/TotalAmt0173648
IRS990/OfficeExpensesGrp/FundraisingAmt00
IRS990/OfficeExpensesGrp/ManagementAndGeneralAmt00
IRS990/OfficeExpensesGrp/ProgramServicesAmt0453079
IRS990/OfficeExpensesGrp/TotalAmt0453079
IRS990/OfficerMailingAddressInd0false
IRS990/OperateHospitalInd0false
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt0537520
IRS990/OtherAssetsTotalGrp/EOYAmt0540784
IRS990/OtherChangesInNetAssetsAmt044948
IRS990/OtherEmployeeBenefitsGrp/FundraisingAmt00
IRS990/OtherEmployeeBenefitsGrp/ManagementAndGeneralAmt00
IRS990/OtherEmployeeBenefitsGrp/ProgramServicesAmt0250833
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0250833
IRS990/OtherExpensesGrp/Desc0DUES
IRS990/OtherExpensesGrp/Desc1LOAN SERVICING
IRS990/OtherExpensesGrp/Desc2LOAN LOSS PROVISION
IRS990/OtherExpensesGrp/Desc3OPERATING FEE
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/ProgramServicesAmt014648
IRS990/OtherExpensesGrp/ProgramServicesAmt190103
IRS990/OtherExpensesGrp/ProgramServicesAmt2101088
IRS990/OtherExpensesGrp/ProgramServicesAmt39438
IRS990/OtherExpensesGrp/TotalAmt014648
IRS990/OtherExpensesGrp/TotalAmt190103
IRS990/OtherExpensesGrp/TotalAmt2101088
IRS990/OtherExpensesGrp/TotalAmt39438
IRS990/OtherLiabilitiesGrp/BOYAmt044630771
IRS990/OtherLiabilitiesGrp/EOYAmt047958461
IRS990/OtherSalariesAndWagesGrp/FundraisingAmt00
IRS990/OtherSalariesAndWagesGrp/ManagementAndGeneralAmt00
IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt0824984
IRS990/OtherSalariesAndWagesGrp/TotalAmt0824984
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt037005301
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt038335086
IRS990/PartialLiquidationInd0false
IRS990/PayrollTaxesGrp/FundraisingAmt00
IRS990/PayrollTaxesGrp/ManagementAndGeneralAmt00
IRS990/PayrollTaxesGrp/ProgramServicesAmt088918
IRS990/PayrollTaxesGrp/TotalAmt088918
IRS990/PensionPlanContributionsGrp/FundraisingAmt00
IRS990/PensionPlanContributionsGrp/ManagementAndGeneralAmt00
IRS990/PensionPlanContributionsGrp/ProgramServicesAmt068277
IRS990/PensionPlanContributionsGrp/TotalAmt068277
IRS990/PoliticalCampaignActyInd0false
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0103954
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt098716
IRS990/PrincipalOfficerNm0NICK HOLGUIN
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/BusinessCd2522100
IRS990/ProgramServiceRevenueGrp/Desc0INTEREST ON LOANS
IRS990/ProgramServiceRevenueGrp/Desc1FEES AND OTHER CHARGES
IRS990/ProgramServiceRevenueGrp/Desc2OTHER OPERATING INCOME
IRS990/ProgramServiceRevenueGrp/ExclusionAmt00
IRS990/ProgramServiceRevenueGrp/ExclusionAmt10
IRS990/ProgramServiceRevenueGrp/ExclusionAmt20
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt02199436
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1794432
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt2107353
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt10
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt2250
IRS990/ProgSrvcAccomActy2Grp/Desc0BAPTIST CREDIT UNION OFFERS DEPOSIT PRODUCTS AT COMPETITIVE RATES
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYInvestmentIncomeAmt0335947
IRS990/PYOtherExpensesAmt01574848
IRS990/PYProgramServiceRevenueAmt02913588
IRS990/PYRevenuesLessExpensesAmt0174966
IRS990/PYSalariesCompEmpBnftPaidAmt01499721
IRS990/PYTotalExpensesAmt03074569
IRS990/PYTotalRevenueAmt03249535
IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt0890717
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt0718952
IRS990/ReconcilationRevenueExpnssAmt0170129
IRS990/RegularMonitoringEnfrcInd0true
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0true
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt03960100
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt04175177
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/BuildingsGrp/BookValueAmt0660074
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0464749
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt01124823
IRS990ScheduleD/EquipmentGrp/BookValueAmt0165504
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0798060
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt0963564
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt01855825
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt19496000
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt22712
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc0CCFCU
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc1CDS
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc2FEDERAL RESERVE
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd0C
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd1C
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd2C
IRS990ScheduleD/LandGrp/BookValueAmt040007
IRS990ScheduleD/LandGrp/InvestmentCostOrOtherBasisAmt040007
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt065552
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt065552
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt047958461
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER SHARES
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0865585
IRS990ScheduleD/TotalBookValueProgramRltdAmt011354537
IRS990ScheduleD/TotalLiabilityAmt047958461
IRS990ScheduleJ/EquityBasedCompArrngmInd0false
IRS990/ScheduleJRequiredInd0true
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0148531
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount08330
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt09828
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt010841
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt06941
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0NICOLAS HOLGUIN
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt0184471
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt00
IRS990ScheduleJ/SeverancePaymentInd0false
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd0false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt0151
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt1295998
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt2422803
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd0true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd1true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd2true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd0false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd1false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd2false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd0X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd1X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd2X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt0SIG
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt1VARIOUS
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt2VARIOUS
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt06000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt1376632
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt2479598
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm0JAMES BENITEZ
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm1BILL ARNOLD
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm2NICOLAS HOLGUIN
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt0BOARD
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt1BOARD
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt2CEO
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd0true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd1true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd2true
IRS990ScheduleL/TotalBalanceDueAmt0718952
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0ALL ACCOUNTHOLDERS ARE 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 ANNUALLY REVIEWS THE COMPENSATION PACKAGES OF ALL KEY EMPLOYEES
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5THE BOARD ANNUALLY REVIEWS THE COMPENSATION PACKAGES OF ALL KEY EMPLOYEES
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6IT RESERVE
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7MISC 55888. 55888.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt8DIVIDENDS PAID 576374. 576374.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt9DEBIT CARD/ATM EXPENSES 238320. 238320.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt10ATM RELATED 57522. 57522.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt11UNDERWRITING RELATED

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