Civic Intelligence

Port of Houston Credit Union

EIN 74-1315220 • 501(c)14 • Houston, TX

View Organization Page

Profile

Provide members the best possible financial services with as competitive rates as possible while remaining strong and sound for future services to them and their families

111 East Loop NorthHouston, TX 77029

www.pohcu.com

Siviq Scores

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

Liabilities / Assets

15th percentile

0.72x

Higher debt load relative to assets than 15% of similar nonprofits.

501(c)14 • $5M-$10M nonprofits • Source year 2024

Liabilities / Revenue

23rd percentile

9.59x

Higher debt load relative to revenue than 23% of similar nonprofits.

501(c)14 • $5M-$10M nonprofits • Source year 2024

Net Margin

94th percentile

26%

Higher net margin than 94% of similar nonprofits.

501(c)14 • $5M-$10M nonprofits • Source year 2024

Top Officer Pay

79th percentile

$91,309

Higher top officer pay than 79% of similar nonprofits.

Top officer pay equals 14.0% of source-year revenue.

501(c)14 • $5M-$10M nonprofits • Source year 2024

Asset Growth

55th percentile

-0.1%

Faster asset growth than 55% of similar nonprofits.

501(c)14 • $5M-$10M nonprofits • Annualized from 2023 to 2024

Revenue Growth

73rd percentile

13%

Faster revenue growth than 73% of similar nonprofits.

501(c)14 • $5M-$10M nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets15th percentile

Assets

Down

$8,683,002

Down $12,286 (-0.1%) from 2023

Liabilities

Down

$6,258,933

Down $179,442 (-2.8%) from 2023

Net Assets

Up

$2,424,069

Up $167,156 (+7.4%) from 2023

Operations
Liabilities / Revenue23rd percentileNet Margin94th percentile

Revenue

Up

$652,819

Up $74,531 (+13%) from 2023

Expenses

Up

$485,661

Up $3,738 (+0.8%) from 2023

Net Income

Up

$167,158

Up $70,793 (+73%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth55th percentile

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

$10M$5.0M$0Assets 2011: $4,521,608Liabilities 2011: $82,618Net Assets 2011: $4,438,9902011Assets 2012: $5,152,732Liabilities 2012: $65,427Net Assets 2012: $5,087,3052012Assets 2013: $5,289,506Liabilities 2013: $4,011,456Net Assets 2013: $1,278,0502013Assets 2014: $5,995,383Liabilities 2014: $4,601,506Net Assets 2014: $1,393,8772014Assets 2015: $6,180,931Liabilities 2015: $4,703,596Net Assets 2015: $1,477,3352015Assets 2016: $6,564,555Liabilities 2016: $5,003,799Net Assets 2016: $1,560,7562016Assets 2017: $7,432,390Liabilities 2017: $5,789,603Net Assets 2017: $1,642,7872017Assets 2018: $7,432,880Liabilities 2018: $5,724,175Net Assets 2018: $1,708,7052018Assets 2019: $7,084,639Liabilities 2019: $5,262,666Net Assets 2019: $1,821,9732019Assets 2020: $8,306,310Liabilities 2020: $6,352,141Net Assets 2020: $1,954,1692020Assets 2021: $8,595,039Liabilities 2021: $6,530,271Net Assets 2021: $2,064,7682021Assets 2022: $8,645,826Liabilities 2022: $6,485,278Net Assets 2022: $2,160,5482022Assets 2023: $8,695,288Liabilities 2023: $6,438,375Net Assets 2023: $2,256,9132023Assets 2024: $8,683,002Liabilities 2024: $6,258,933Net Assets 2024: $2,424,0692024

Highlighted filing

2024

Assets$8,683,002
Liabilities$6,258,933
Net Assets$2,424,069
Open 2024 Filing

Operations Trend

Revenue Growth73rd percentile

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

$800K$600K$400K$200K$0Revenue 2011: $375,789Expenses 2011: $263,089Net Income 2011: $112,7002011Revenue 2012: $396,559Expenses 2012: $294,618Net Income 2012: $101,9412012Revenue 2013: $424,645Expenses 2013: $364,653Net Income 2013: $59,9922013Revenue 2014: $470,876Expenses 2014: $355,049Net Income 2014: $115,8272014Revenue 2015: $507,158Expenses 2015: $423,700Net Income 2015: $83,4582015Revenue 2016: $516,397Expenses 2016: $432,976Net Income 2016: $83,4212016Revenue 2017: $525,827Expenses 2017: $443,796Net Income 2017: $82,0312017Revenue 2018: $578,474Expenses 2018: $512,556Net Income 2018: $65,9182018Revenue 2019: $590,512Expenses 2019: $477,244Net Income 2019: $113,2682019Revenue 2020: $583,142Expenses 2020: $450,946Net Income 2020: $132,1962020Revenue 2021: $546,026Expenses 2021: $435,427Net Income 2021: $110,5992021Revenue 2022: $517,878Expenses 2022: $422,098Net Income 2022: $95,7802022Revenue 2023: $578,288Expenses 2023: $481,923Net Income 2023: $96,3652023Revenue 2024: $652,819Expenses 2024: $485,661Net Income 2024: $167,1582024

Highlighted filing

2024

Revenue$652,819
Expenses$485,661
Net Income$167,158
Open 2024 Filing

Filings

Most recent year

2024 • Form 990XML pending. An XML filing is linked for this year, but detailed extraction is still pending.

Open filing
Assets
$8,683,002
Liabilities
$6,258,933
Net assets
$2,424,069
Revenue
$652,819
Expenses
$485,661
Net income
$167,158
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$8.68$6.26$2.42$0.65$0.49$0.17
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$8.70$6.44$2.26$0.58$0.48$0.10
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$8.65$6.49$2.16$0.52$0.42$0.10
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$8.60$6.53$2.06$0.55$0.44$0.11
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$8.31$6.35$1.95$0.58$0.45$0.13
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$7.08$5.26$1.82$0.59$0.48$0.11
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$7.43$5.72$1.71$0.58$0.51$0.07
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$7.43$5.79$1.64$0.53$0.44$0.08
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$6.56$5.00$1.56$0.52$0.43$0.08
2015Detailed filing. Detailed filing data is available for this year.$6.18$4.70$1.48$0.51$0.42$0.08
2014Detailed filing. Detailed filing data is available for this year.$6.00$4.60$1.39$0.47$0.36$0.12
2013Detailed filing. Detailed filing data is available for this year.$5.29$4.01$1.28$0.42$0.36$0.06
2012Summary only. Only limited summary data is available for this year.$5.15$0.07$5.09$0.40$0.29$0.10
2011Summary only. Only limited summary data is available for this year.$4.52$0.08$4.44$0.38$0.26$0.11
Latest Detailed Filing

The latest 2024 filing currently has linked XML that has not been fully parsed yet. Showing the latest detailed filing from 2015 below.

Jump To
Filing Snapshot
Filing Period
Jan 1, 2015 to Dec 31, 2015
Signed
Feb 1, 2016
Return Version
2015v2.1
Gross Receipts
$507,158
Mission and Program Overview

Mission

Provide members the best possible financial services with as competitive rates as possible while remaining strong and sound for future services to them and their families

Provide our members the best possible financial services with as competitive rates as possible while remaining strong and sound for future services to them and their families

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$4,737,223$5,186,434▲ $449,211
Rtn Earn Endowment Incm Other Fnds$1,393,877$1,477,335▲ $83,458
Cash and Non-Interest-Bearing Accounts$558,386$715,673▲ $157,287
Investments Program Related$683,842$249,149▼ $434,693
Prepaid Expenses and Deferred Charges$4,168$14,786▲ $10,618
Accounts Receivable$1,300--
Land, Buildings, and Equipment, Net$1,679$154▼ $1,525
Total Assets$5,995,383$6,180,931▲ $185,548
Other Assets Total$8,785$14,735▲ $5,950
Liabilities
Other Liabilities$4,509,242$4,557,498▲ $48,256
Accounts Payable and Accrued Expenses$92,264$146,098▲ $53,834
Total Liabilities$4,601,506$4,703,596▲ $102,090
Net Assets / Fund Balance
Total Net Assets Fund Balance$1,393,877$1,477,335▲ $83,458
Total Liabilities and Net Assets / Fund Balance$5,995,383$6,180,931▲ $185,548

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$154$22,071$22,225
Compensation and Service Providers
Top Officer Pay79th percentile

Board Members and Trustees

NameTitle
Alton LandryChairman
Bobby WisnoskiVice Chairma
David DavisDirector
Myra MartinDirector
Terri HallAssistant Se
Dale ThompsonSecretary
Lamelle HunterTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$506,440
Investment Income
$718
Other Revenue
$0
Change in Net Assets
$83,458
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$198,625
Other Expenses$183,192
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$156,779
Fees for Services Accounting---$59,640
Benefits to Members---$41,883
Fees for Services Other---$26,530
Office Expenses---$22,807
Other Employee Benefits---$22,593
Payroll Taxes---$12,449
Insurance---$9,952
Conferences and Meetings---$7,861
Pension Plan Contributions---$6,804
Depreciation Depletion---$2,482
Other Expenses---$2,300
Advertising---$1,727
Occupancy---$83
Total Functional Expenses$0$0$0$423,700
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 Shares/deposits$4,557,498
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
Yes
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
No
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

Governance Explanations

Form 990, Page 6, Part VI, Line 6

“Credit union is a state chartered credit union comprised of owner/members.”

Form 990, Page 6, Part VI, Line 7A

“The members hold annual meetings at which time the members present elect open positions to the board of directors.”

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

“Copy of form 990 along with accompanying schedules and attachments are provided to each board member for review for any possible errors prior to filing with the irs.”

Form 990, Page 6, Part VI, Line 12C

“All board of directors are required to file an annual conflict of interest disclosure statement and such statements are by management.”

Form 990, Page 6, Part VI, Line 15B

“Board of directors reviews the compensation paid to their employees on an annual basis and compares compensation levels against industry standards, cu size, and services. All deliberations are formally recorded in appropriate official minutes.”

Form 990, Page 6, Part VI, Line 19

“Credit union posts its financial statements in the lobby for all members to review. The governing documents and conflicts of interest are available in the credit union office for review upon request.”

Filing and Contact Details

Filer

Filer Name
Port of Houston Credit Union
EIN
74-1315220
Address
111 EAST LOOP NORTH, HOUSTON, TX 77029

Signing Officer

Name
Karol Harvey
Title
President/CEO
Phone
7136702546
Signed
2016-02-01
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Karol Harvey
Formed
1956
Legal Domicile
TX
Voting Board Members
7
Independent Board Members
7
Employees
3

Preparer

Firm
Lema & Associates
Address
610 E MARKET ST STE 2906, SAN ANTONIO, TX 78205-2680
Preparer
Angel R Lema CPA
Phone
2102124822
Supplemental Narrative

Additional Explanations

Form 990, Page 2, Part III, Line 4D

“NOT APPLICABLE”

Raw XML Appendix319 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/BOYAmt092264
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt0146098
IRS990/AccountsReceivableGrp/BOYAmt01300
IRS990/ActivitiesConductedPrtshpInd0false
IRS990/ActivityOrMissionDesc0PROVIDE OUR MEMBERS THE BEST POSSIBLE FINANCIAL SERVICES WITH AS COMPETITIVE RATES AS POSSIBLE WHILE REMAINING STRONG AND SOUND FOR FUTURE SERVICES TO THEM AND THEIR FAMILIES
IRS990/AdvertisingGrp/TotalAmt01727
IRS990/AnnualDisclosureCoveredPrsnInd0true
IRS990/AuditCommitteeInd0true
IRS990/BenefitsToMembersGrp/TotalAmt041883
IRS990/BooksInCareOfDetail/BusinessName/BusinessNameLine1Txt0PORT OF HOUSTON CU
IRS990/BooksInCareOfDetail/PhoneNum07136702546
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt0111 EAST LOOP NORTH
IRS990/BooksInCareOfDetail/USAddress/CityNm0HOUSTON
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0TX
IRS990/BooksInCareOfDetail/USAddress/ZIPCd077029
IRS990/BusinessRlnWithFamMemInd0false
IRS990/BusinessRlnWithOfficerEntInd0false
IRS990/BusinessRlnWithOrgMemInd0false
IRS990/CashNonInterestBearingGrp/BOYAmt0558386
IRS990/CashNonInterestBearingGrp/EOYAmt0715673
IRS990/ChangeToOrgDocumentsInd0false
IRS990/CollectionsOfArtInd0false
IRS990/CompensationFromOtherSrcsInd0false
IRS990/CompensationProcessCEOInd0false
IRS990/CompensationProcessOtherInd0true
IRS990/ConferencesMeetingsGrp/TotalAmt07861
IRS990/ConflictOfInterestPolicyInd0true
IRS990/ConservationEasementsInd0false
IRS990/ConsolidatedAuditFinclStmtInd0false
IRS990/CreditCounselingInd0false
IRS990/CYBenefitsPaidToMembersAmt041883
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt0718
IRS990/CYOtherExpensesAmt0183192
IRS990/CYOtherRevenueAmt00
IRS990/CYProgramServiceRevenueAmt0506440
IRS990/CYRevenuesLessExpensesAmt083458
IRS990/CYSalariesCompEmpBnftPaidAmt0198625
IRS990/CYTotalExpensesAmt0423700
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt0507158
IRS990/DecisionsSubjectToApprovaInd0false
IRS990/DeductibleArtContributionInd0false
IRS990/DeductibleNonCashContriInd0false
IRS990/DelegationOfMgmtDutiesInd0false
IRS990/DepreciationDepletionGrp/TotalAmt02482
IRS990/Desc0REGULAR SHARES INCREASED 62,897.25 (2.55%), SHARE CERTIFICATES INCREASED 25,033.98 (2.88%).
IRS990/DescribedInSection501c3Ind0false
IRS990/DisregardedEntityInd0false
IRS990/DocumentRetentionPolicyInd0true
IRS990/DonorAdvisedFundInd0false
IRS990/ElectionOfBoardMembersInd0true
IRS990/EmployeeCnt03
IRS990/EmploymentTaxReturnsFiledInd0true
IRS990/FamilyOrBusinessRlnInd0false
IRS990/FederalGrantAuditRequiredInd0false
IRS990/FeesForServicesAccountingGrp/TotalAmt059640
IRS990/FeesForServicesOtherGrp/TotalAmt026530
IRS990/ForeignActivitiesInd0false
IRS990/ForeignFinancialAccountInd0false
IRS990/ForeignOfficeInd0false
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt01.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt11.00
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/IndividualTrusteeOrDirectorInd5X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd6X
IRS990/Form990PartVIISectionAGrp/OfficerInd0X
IRS990/Form990PartVIISectionAGrp/OfficerInd1X
IRS990/Form990PartVIISectionAGrp/OfficerInd2X
IRS990/Form990PartVIISectionAGrp/OfficerInd3X
IRS990/Form990PartVIISectionAGrp/OfficerInd4X
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt00
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt10
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt20
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt30
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt40
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt50
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt60
IRS990/Form990PartVIISectionAGrp/PersonNm0ALTON LANDRY
IRS990/Form990PartVIISectionAGrp/PersonNm1BOBBY WISNOSKI
IRS990/Form990PartVIISectionAGrp/PersonNm2DALE THOMPSON
IRS990/Form990PartVIISectionAGrp/PersonNm3TERRI HALL
IRS990/Form990PartVIISectionAGrp/PersonNm4LAMELLE HUNTER
IRS990/Form990PartVIISectionAGrp/PersonNm5DAVID DAVIS
IRS990/Form990PartVIISectionAGrp/PersonNm6MYRA MARTIN
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10
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/TitleTxt0CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt1VICE CHAIRMA
IRS990/Form990PartVIISectionAGrp/TitleTxt2SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt3ASSISTANT SE
IRS990/Form990PartVIISectionAGrp/TitleTxt4TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt5DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR
IRS990/Form990ProvidedToGvrnBodyInd0true
IRS990/FormationYr01956
IRS990/FormerOfcrEmployeesListedInd0false
IRS990/FSAuditedBasisGrp/SeparateBasisFinclStmtInd0X
IRS990/FSAuditedInd0true
IRS990/FundraisingActivitiesInd0false
IRS990/GamingActivitiesInd0false
IRS990/GoverningBodyVotingMembersCnt07
IRS990/GrantsToIndividualsInd0false
IRS990/GrantsToOrganizationsInd0false
IRS990/GrantToRelatedPersonInd0false
IRS990/GrossReceiptsAmt0507158
IRS990/GroupReturnForAffiliatesInd0false
IRS990/IncludeFIN48FootnoteInd0false
IRS990/IndependentAuditFinclStmtInd0false
IRS990/IndependentVotingMemberCnt07
IRS990/IndoorTanningServicesInd0false
IRS990/InfoInScheduleOPartIIIInd0X
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InsuranceGrp/TotalAmt09952
IRS990/InvestmentIncomeGrp/ExclusionAmt0718
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt0718
IRS990/InvestmentInJointVentureInd0false
IRS990/InvestmentsProgramRelatedGrp/BOYAmt0683842
IRS990/InvestmentsProgramRelatedGrp/EOYAmt0249149
IRS990/IRPDocumentCnt0211
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt022071
IRS990/LandBldgEquipBasisNetGrp/BOYAmt01679
IRS990/LandBldgEquipBasisNetGrp/EOYAmt0154
IRS990/LandBldgEquipCostOrOtherBssAmt022225
IRS990/LegalDomicileStateCd0TX
IRS990/LoanOutstandingInd0false
IRS990/LocalChaptersInd0false
IRS990/MaterialDiversionOrMisuseInd0false
IRS990/MembersOrStockholdersInd0true
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd0true
IRS990/MinutesOfGoverningBodyInd0true
IRS990/MissionDesc0PROVIDE MEMBERS THE BEST POSSIBLE FINANCIAL SERVICES WITH AS COMPETITIVE RATES AS POSSIBLE WHILE REMAINING STRONG AND SOUND FOR FUTURE SERVICES TO THEM AND THEIR FAMILIES
IRS990/MoreThan5000KToIndividualsInd0false
IRS990/MoreThan5000KToOrgInd0false
IRS990/NetAssetsOrFundBalancesBOYAmt01393877
IRS990/NetAssetsOrFundBalancesEOYAmt01477335
IRS990/NoListedPersonsCompensatedInd0X
IRS990/NondeductibleContributionsInd0false
IRS990/OccupancyGrp/TotalAmt083
IRS990/OfficeExpensesGrp/TotalAmt022807
IRS990/OfficerMailingAddressInd0false
IRS990/OperateHospitalInd0false
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt08785
IRS990/OtherAssetsTotalGrp/EOYAmt014735
IRS990/OtherEmployeeBenefitsGrp/TotalAmt022593
IRS990/OtherExpensesGrp/Desc0PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/Desc1ASSOCIATION DUES
IRS990/OtherExpensesGrp/Desc2STATE OPERATING FEE
IRS990/OtherExpensesGrp/Desc3MISCELLANEOUS
IRS990/OtherExpensesGrp/TotalAmt042184
IRS990/OtherExpensesGrp/TotalAmt14762
IRS990/OtherExpensesGrp/TotalAmt22864
IRS990/OtherExpensesGrp/TotalAmt32300
IRS990/OtherLiabilitiesGrp/BOYAmt04509242
IRS990/OtherLiabilitiesGrp/EOYAmt04557498
IRS990/OtherSalariesAndWagesGrp/TotalAmt0156779
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt04737223
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt05186434
IRS990/PartialLiquidationInd0false
IRS990/PayrollTaxesGrp/TotalAmt012449
IRS990/PensionPlanContributionsGrp/TotalAmt06804
IRS990/PoliticalCampaignActyInd0false
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt04168
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt014786
IRS990/PrincipalOfficerNm0KAROL HARVEY
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/Desc0INTEREST ON LOANS
IRS990/ProgramServiceRevenueGrp/Desc1FEE AND CHARGES
IRS990/ProgramServiceRevenueGrp/Desc2OTHER INCOME
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt0413815
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt184401
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt28224
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt0413815
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt184401
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt28224
IRS990/ProgSrvcAccomActy2Grp/Desc0INCREASED APPROVED LOANS BY 610,618.00 OR 26.48%. LOANS TO ASSETS INCREASED 9.38%. REPORTING TO TWO ADDITIONAL CREDIT BUREAUS AT MEMBERS REQUEST
IRS990/ProgSrvcAccomActy3Grp/Desc0INITIATED MEMBER E STATEMENTS AND ONLINE MEMBER ACCOUNT ACCESS.
IRS990/ProgSrvcAccomActyOtherGrp/Desc0NOT APPLICABLE
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYBenefitsPaidToMembersAmt038835
IRS990/PYInvestmentIncomeAmt0580
IRS990/PYOtherExpensesAmt0118115
IRS990/PYProgramServiceRevenueAmt0470296
IRS990/PYRevenuesLessExpensesAmt0115827
IRS990/PYSalariesCompEmpBnftPaidAmt0198099
IRS990/PYTotalExpensesAmt0355049
IRS990/PYTotalRevenueAmt0470876
IRS990/ReconcilationRevenueExpnssAmt083458
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IRS990/RelatedEntityInd0false
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IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt01393877
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt01477335
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/EquipmentGrp/BookValueAmt0154
IRS990ScheduleD/EquipmentGrp/DepreciationAmt022071
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt022225
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt04557498
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER SHARES/DEPOSITS
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0154
IRS990ScheduleD/TotalLiabilityAmt04557498
IRS990/ScheduleJRequiredInd0false
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0NOT APPLICABLE
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1CREDIT UNION IS A STATE CHARTERED CREDIT UNION COMPRISED OF OWNER/MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2THE MEMBERS HOLD ANNUAL MEETINGS AT WHICH TIME THE MEMBERS PRESENT ELECT OPEN POSITIONS TO THE BOARD OF DIRECTORS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3COPY OF FORM 990 ALONG WITH ACCOMPANYING SCHEDULES AND ATTACHMENTS ARE PROVIDED TO EACH BOARD MEMBER FOR REVIEW FOR ANY POSSIBLE ERRORS PRIOR TO FILING WITH THE IRS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4ALL BOARD OF DIRECTORS ARE REQUIRED TO FILE AN ANNUAL CONFLICT OF INTEREST DISCLOSURE STATEMENT AND SUCH STATEMENTS ARE BY MANAGEMENT.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5BOARD OF DIRECTORS REVIEWS THE COMPENSATION PAID TO THEIR EMPLOYEES ON AN ANNUAL BASIS AND COMPARES COMPENSATION LEVELS AGAINST INDUSTRY STANDARDS, CU SIZE, AND SERVICES. ALL DELIBERATIONS ARE FORMALLY RECORDED IN APPROPRIATE OFFICIAL MINUTES.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6CREDIT UNION POSTS ITS FINANCIAL STATEMENTS IN THE LOBBY FOR ALL MEMBERS TO REVIEW. THE GOVERNING DOCUMENTS AND CONFLICTS OF INTEREST ARE AVAILABLE IN THE CREDIT UNION OFFICE FOR REVIEW UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PAGE 2, PART III, LINE 4D
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PAGE 6, PART VI, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PAGE 6, PART VI, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PAGE 6, PART VI, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PAGE 6, PART VI, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PAGE 6, PART VI, LINE 15B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PAGE 6, PART VI, LINE 19
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IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt05995383
IRS990/TotalAssetsEOYAmt06180931
IRS990/TotalAssetsGrp/BOYAmt05995383
IRS990/TotalAssetsGrp/EOYAmt06180931
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt03
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt0423700
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt04601506
IRS990/TotalLiabilitiesEOYAmt04703596
IRS990/TotalLiabilitiesGrp/BOYAmt04601506
IRS990/TotalLiabilitiesGrp/EOYAmt04703596
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt01393877
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt01477335
IRS990/TotalProgramServiceRevenueAmt0506440
IRS990/TotalRevenueGrp/ExclusionAmt0718
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0506440
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0507158
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt05995383
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt06180931
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt0111 EAST LOOP NORTH
IRS990/USAddress/CityNm0HOUSTON
IRS990/USAddress/StateAbbreviationCd0TX
IRS990/USAddress/ZIPCd077029
IRS990/VotingMembersGoverningBodyCnt07
IRS990/VotingMembersIndependentCnt07
IRS990/WebsiteAddressTxt0WWW.POHCU.COM
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02016-08-17 19:52:53Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0KAROL HARVEY
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT/CEO
ReturnHeader/BusinessOfficerGrp/PhoneNum07136702546
ReturnHeader/BusinessOfficerGrp/SignatureDt02016-02-01
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0PORT OF HOUSTON CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0PORT
ReturnHeader/Filer/EIN0741315220
ReturnHeader/Filer/USAddress/AddressLine1Txt0111 EAST LOOP NORTH
ReturnHeader/Filer/USAddress/CityNm0HOUSTON
ReturnHeader/Filer/USAddress/StateAbbreviationCd0TX
ReturnHeader/Filer/USAddress/ZIPCd077029
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0LEMA & ASSOCIATES
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt0610 E MARKET ST STE 2906
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0SAN ANTONIO
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0TX
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd0782052680
ReturnHeader/PreparerPersonGrp/PhoneNum02102124822
ReturnHeader/PreparerPersonGrp/PreparationDt02016-01-31
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0ANGEL R LEMA CPA
ReturnHeader/PreparerPersonGrp/SelfEmployedInd0X
ReturnHeader/ReturnTs02016-01-31T16:26:17-06:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02015-01-01
ReturnHeader/TaxPeriodEndDt02015-12-31
ReturnHeader/TaxYr02015

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