Civic Intelligence

Associated Credit Union of Texas

EIN 74-1321144 • 501(c)14 • League City, TX

View Organization Page

Profile

To offer progressive quality financial services responsive to the members. The credit union is dedicated to providing these services in a caring professional manner while maintaining a strong financial basis.

PO Box 9004League City, TX 77574

www.acutx.org

Siviq Scores

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

Liabilities / Assets

2nd percentile

0.02x

Higher debt load relative to assets than 2% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Source year 2024

Liabilities / Revenue

2nd percentile

0.18x

Higher debt load relative to revenue than 2% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Source year 2024

Net Margin

39th percentile

7.0%

Higher net margin than 39% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Source year 2024

Top Officer Pay

34th percentile

$375,795

Higher top officer pay than 34% of similar nonprofits.

Top officer pay equals 0.8% of source-year revenue.

501(c)14 • $250M-$1B nonprofits • Source year 2024

Asset Growth

8th percentile

-4.1%

Faster asset growth than 8% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Annualized from 2023 to 2024

Revenue Growth

39th percentile

11%

Faster revenue growth than 39% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets2nd percentile

Assets

Down

$510,243,022

Down $21,971,438 (-4.1%) from 2023

Liabilities

Down

$8,062,450

Down $1,511,674 (-16%) from 2023

Net Assets

Down

$502,180,572

Down $20,459,764 (-3.9%) from 2023

Operations
Liabilities / Revenue2nd percentileNet Margin39th percentile

Revenue

Up

$45,870,149

Up $4,376,933 (+11%) from 2023

Expenses

Up

$42,680,803

Up $2,882,963 (+7.2%) from 2023

Net Income

Up

$3,189,346

Up $1,493,970 (+88%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth8th percentile

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

$600M$400M$200M$0Assets 2010: $284,286,517Liabilities 2010: $6,513,989Net Assets 2010: $277,772,5282010Assets 2011: $266,855,799Liabilities 2011: $6,072,409Net Assets 2011: $260,783,3902011Assets 2012: $277,207,631Liabilities 2012: $7,081,632Net Assets 2012: $270,125,9992012Assets 2013: $296,221,834Liabilities 2013: $12,424,648Net Assets 2013: $283,797,1862013Assets 2014: $310,702,915Liabilities 2014: $13,138,224Net Assets 2014: $297,564,6912014Assets 2015: $339,402,888Liabilities 2015: $11,725,526Net Assets 2015: $327,677,3622015Assets 2016: $375,781,829Liabilities 2016: $10,156,261Net Assets 2016: $365,625,5682016Assets 2017: $408,031,793Liabilities 2017: $7,103,872Net Assets 2017: $400,927,9212017Assets 2018: $398,567,137Liabilities 2018: $6,732,546Net Assets 2018: $391,834,5912018Assets 2019: $418,813,341Liabilities 2019: $6,782,627Net Assets 2019: $412,030,7142019Assets 2020: $487,526,782Liabilities 2020: $6,052,268Net Assets 2020: $481,474,5142020Assets 2021: $519,247,391Liabilities 2021: $6,436,668Net Assets 2021: $512,810,7232021Assets 2022: $512,223,192Liabilities 2022: $8,718,036Net Assets 2022: $503,505,1562022Assets 2023: $532,214,460Liabilities 2023: $9,574,124Net Assets 2023: $522,640,3362023Assets 2024: $510,243,022Liabilities 2024: $8,062,450Net Assets 2024: $502,180,5722024

Highlighted filing

2024

Assets$510,243,022
Liabilities$8,062,450
Net Assets$502,180,572
Open 2024 Filing

Operations Trend

Revenue Growth39th percentile

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

$60M$40M$20M$0Expenses 2010: $27,870,1332010Expenses 2011: $22,612,3852011Revenue 2012: $22,445,032Expenses 2012: $20,298,166Net Income 2012: $2,146,8662012Revenue 2013: $21,276,427Expenses 2013: $18,752,019Net Income 2013: $2,524,4082013Revenue 2014: $23,104,476Expenses 2014: $19,454,612Net Income 2014: $3,649,8642014Revenue 2015: $25,038,602Expenses 2015: $21,396,059Net Income 2015: $3,642,5432015Revenue 2016: $26,768,196Expenses 2016: $24,709,767Net Income 2016: $2,058,4292016Revenue 2017: $29,883,631Expenses 2017: $27,181,751Net Income 2017: $2,701,8802017Revenue 2018: $29,441,973Expenses 2018: $28,152,644Net Income 2018: $1,289,3292018Revenue 2019: $31,238,390Expenses 2019: $29,511,258Net Income 2019: $1,727,1322019Revenue 2020: $30,667,830Expenses 2020: $29,593,788Net Income 2020: $1,074,0422020Revenue 2021: $31,243,490Expenses 2021: $27,351,600Net Income 2021: $3,891,8902021Revenue 2022: $33,960,014Expenses 2022: $31,686,214Net Income 2022: $2,273,8002022Revenue 2023: $41,493,216Expenses 2023: $39,797,840Net Income 2023: $1,695,3762023Revenue 2024: $45,870,149Expenses 2024: $42,680,803Net Income 2024: $3,189,3462024

Highlighted filing

2024

Revenue$45,870,149
Expenses$42,680,803
Net Income$3,189,346
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
$510,243,022
Liabilities
$8,062,450
Net assets
$502,180,572
Revenue
$45,870,149
Expenses
$42,680,803
Net income
$3,189,346
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$510$8.06$502$45.9$42.7$3.19
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$532$9.57$523$41.5$39.8$1.70
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$512$8.72$504$34.0$31.7$2.27
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$519$6.44$513$31.2$27.4$3.89
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$488$6.05$481$30.7$29.6$1.07
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$419$6.78$412$31.2$29.5$1.73
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$399$6.73$392$29.4$28.2$1.29
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$408$7.10$401$29.9$27.2$2.70
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$376$10.2$366$26.8$24.7$2.06
2015Detailed filing. Detailed filing data is available for this year.$339$11.7$328$25.0$21.4$3.64
2014Detailed filing. Detailed filing data is available for this year.$311$13.1$298$23.1$19.5$3.65
2013Detailed filing. Detailed filing data is available for this year.$296$12.4$284$21.3$18.8$2.52
2012Summary only. Only limited summary data is available for this year.$277$7.08$270$22.4$20.3$2.15
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$267$6.07$261$22.6
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$284$6.51$278$27.9
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
May 6, 2025
Return Version
2024v5.0
Gross Receipts
$45,870,149
Mission and Program Overview

Mission

To offer progressive quality financial services responsive to the members. The credit union is dedicated to providing these services in a caring professional manner while maintaining a strong financial basis.

To offer progressive, quality financial services responsive to the members/owners. The credit union is dedicated to providing these services in a caring, professional manner while maintaing a strong financial basis.

Balance Sheet Detail
LineBeginningEndChange
Assets
Intangible Assets$430,791,418$433,979,512▲ $3,188,094
Investments in Publicly Traded Securities$49,975,417$42,536,895▼ $7,438,522
Land, Buildings, and Equipment, Net$16,548,446$15,737,650▼ $810,796
Savings and Temporary Cash Investments$24,741,531$7,331,476▼ $17,410,055
Cash and Non-Interest-Bearing Accounts$5,270,977$4,811,490▼ $459,487
Prepaid Expenses and Deferred Charges$2,355,006$2,687,838▲ $332,832
Receivables From Officers Etc$2,037,396$2,651,581▲ $614,185
Accounts Receivable$494,269$506,580▲ $12,311
Total Assets$532,214,460$510,243,022▼ $21,971,438
Liabilities
Accounts Payable and Accrued Expenses$9,574,124$8,062,450▼ $1,511,674
Total Liabilities$9,574,124$8,062,450▼ $1,511,674
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$522,640,336$502,180,572▼ $20,459,764
Net Assets With Donor Restrictions$0$0→ $0
Total Net Assets Fund Balance$522,640,336$502,180,572▼ $20,459,764
Total Liabilities and Net Assets / Fund Balance$532,214,460$510,243,022▼ $21,971,438

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$11,666,327$11,466,395$0
Other Land Buildings$0$0$0
Land$3,654,382-$0
Equipment$416,941$8,234,215$0
Leasehold Improvements$0$0$0
Compensation and Service Providers
Top Officer Pay34th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
David DeAndaChief Legal OfficerFT$260,106$210,197$470,303
Jack ClickChief Executive OfficerFT$189,373$262,844$452,217
Charis PollardChief Human Resource OfficerFT$260,859$187,747$448,606
Clay FranksPresident/CEOFT$333,183$78,016$411,199
Ryan Del BelloChieft Financial Officer-$207,654$73,852$281,506
Ryan Del BelloChief Financial OfficerFT$201,685-$201,685
Jay CoppockChief Operations OfficerFT$165,756-$165,756

Board Members and Trustees

NameTitle
John BlairBoard Chairman
Joel MuellerBoard Vice Chairman
Bruce TerryBoard Member
Kyle DicksonBoard Member
Mark KlineBoard Member
Mark RodriguezBoard Member
Kent PostmaBoard Secretary
Cris CrixellBoard Treasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$35,819,613
Investment Income
$1,853,788
Other Revenue
$8,196,748
Change in Net Assets
$3,189,346
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$22,955,515
Salaries, Compensation, and Employee Benefits$13,702,360
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$9,497,262--$9,497,262
Benefits to Members$6,022,928--$6,022,928
Other Expenses$2,086,694$0$0$2,086,694
Occupancy$1,835,115--$1,835,115
Fees for Services Management$1,803,416--$1,803,416
Current Officers, Directors, Trustees, and Key Employees$1,447,688--$1,447,688
Information Technology$1,401,780--$1,401,780
Pension Plan Contributions$1,235,789--$1,235,789
Payroll Taxes$771,699--$771,699
Other Employee Benefits$749,922--$749,922
Advertising$724,224--$724,224
Office Expenses$723,665--$723,665
Depreciation Depletion$632,450--$632,450
Conferences and Meetings$286,757--$286,757
Insurance$258,093--$258,093
Fees for Services Accounting$97,761--$97,761
Fees for Services Legal$49,797--$49,797
Interest$15,497--$15,497
Total Functional Expenses$42,680,803$0$0$42,680,803
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$2,037,396$2,651,581▲ $614,185
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
Yes
Annual disclosure for covered persons
Yes
Audit committee
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

Governance Explanations

Form 990, Part VI, Section A, Line 6

“All account holders are ACUTX credit union members.”

Form 990, Part VI, Section A, Line 7A

“All credit union members are voting members to elect board of directors.”

Form 990, Part VI, Section B, Line 11B

“Form 990 may be reviewed upon request.”

Form 990, Part VI, Section B, Line 12C

“ACU's Legal and Compliance department monitors the compliance of all policies.”

Form 990, Part VI, Section B, Line 15

“ACU conducts a salary compensation review every other year. The study is conducted by an independent company. The compensation committee reviews the recommendations and approves all salary adjustments.”

Form 990, Part VI, Section C, Line 19

“All documents and/or policies may be reviewed upon request at ACU's corporate office located at 1095 W. League City Parkway, League City, TX 77573.”

Filing and Contact Details

Filer

Filer Name
Associated Credit Union of Texas
EIN
74-1321144
Phone
4099454474
Address
PO Box 9004, League City, TX 77574

Signing Officer

Name
Cynthia Soto
Title
VP of Accounting
Phone
4099454474
Signed
2025-05-06

Organization Details

Principal Officer
Clay Franks
Formed
1948
Legal Domicile
TX
Voting Board Members
43,631
Independent Board Members
43,631
Employees
188
Volunteers
8
Supplemental Narrative

Additional Explanations

Form 990, Part XI, Line 9

“Decrease in retained earnings.”

Raw XML AppendixShowing 400 of 565 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/AccountantCompileOrReviewInd01
IRS990/AccountsPayableAccrExpnssGrp/BOYAmt09574124
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt08062450
IRS990/AccountsReceivableGrp/BOYAmt0494269
IRS990/AccountsReceivableGrp/EOYAmt0506580
IRS990/AcctCompileOrReviewBasisGrp/SeparateBasisFinclStmtInd0X
IRS990/ActivitiesConductedPrtshpInd00
IRS990/ActivityOrMissionDesc0To offer progressive, quality financial services responsive to the members/owners. The credit union is dedicated to providing these services in a caring, professional manner while maintaing a strong financial basis.
IRS990/AdvertisingGrp/ProgramServicesAmt0724224
IRS990/AdvertisingGrp/TotalAmt0724224
IRS990/AnnualDisclosureCoveredPrsnInd01
IRS990/AuditCommitteeInd01
IRS990/BenefitsToMembersGrp/ProgramServicesAmt06022928
IRS990/BenefitsToMembersGrp/TotalAmt06022928
IRS990/BooksInCareOfDetail/PersonNm0Charis Pollard
IRS990/BooksInCareOfDetail/PhoneNum04099454474
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt0PO Box 9004
IRS990/BooksInCareOfDetail/USAddress/CityNm0League City
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0TX
IRS990/BooksInCareOfDetail/USAddress/ZIPCd077574
IRS990/BusinessRlnWith35CtrlEntInd00
IRS990/BusinessRlnWithFamMemInd00
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IRS990/CashNonInterestBearingGrp/BOYAmt05270977
IRS990/CashNonInterestBearingGrp/EOYAmt04811490
IRS990/ChangeToOrgDocumentsInd00
IRS990/CntrctRcvdGreaterThan100KCnt00
IRS990/CollectionsOfArtInd00
IRS990/CompCurrentOfcrDirectorsGrp/ProgramServicesAmt01447688
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt01447688
IRS990/CompensationFromOtherSrcsInd00
IRS990/CompensationProcessCEOInd01
IRS990/CompensationProcessOtherInd01
IRS990/ConferencesMeetingsGrp/ProgramServicesAmt0286757
IRS990/ConferencesMeetingsGrp/TotalAmt0286757
IRS990/ConflictOfInterestPolicyInd01
IRS990/ConservationEasementsInd00
IRS990/ConsolidatedAuditFinclStmtInd00
IRS990/CostOfGoodsSoldAmt00
IRS990/CreditCounselingInd00
IRS990/CYBenefitsPaidToMembersAmt06022928
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt01853788
IRS990/CYOtherExpensesAmt022955515
IRS990/CYOtherRevenueAmt08196748
IRS990/CYProgramServiceRevenueAmt035819613
IRS990/CYRevenuesLessExpensesAmt03189346
IRS990/CYSalariesCompEmpBnftPaidAmt013702360
IRS990/CYTotalExpensesAmt042680803
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt045870149
IRS990/DecisionsSubjectToApprovaInd00
IRS990/DeductibleArtContributionInd00
IRS990/DeductibleNonCashContriInd00
IRS990/DelegationOfMgmtDutiesInd00
IRS990/DepreciationDepletionGrp/ProgramServicesAmt0632450
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IRS990/Desc0Dividends paid to members
IRS990/DescribedInSection501c3Ind00
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IRS990/DonorRstrOrQuasiEndowmentsInd00
IRS990/ElectionOfBoardMembersInd01
IRS990/EmployeeCnt0188
IRS990/EmploymentTaxReturnsFiledInd01
IRS990/FamilyOrBusinessRlnInd00
IRS990/FederalGrantAuditRequiredInd00
IRS990/FeesForServicesAccountingGrp/ProgramServicesAmt097761
IRS990/FeesForServicesAccountingGrp/TotalAmt097761
IRS990/FeesForServicesLegalGrp/ProgramServicesAmt049797
IRS990/FeesForServicesLegalGrp/TotalAmt049797
IRS990/FeesForServicesManagementGrp/ProgramServicesAmt01803416
IRS990/FeesForServicesManagementGrp/TotalAmt01803416
IRS990/ForeignActivitiesInd00
IRS990/ForeignFinancialAccountInd00
IRS990/ForeignOfficeInd00
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IRS990/Form990PartVIISectionAGrp/FormerOfcrDirectorTrusteeInd0X
IRS990/Form990PartVIISectionAGrp/FormerOfcrDirectorTrusteeInd1X
IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd1X
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IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd7X
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IRS990/Form990PartVIISectionAGrp/PersonNm0Clay Franks
IRS990/Form990PartVIISectionAGrp/PersonNm1Charis Pollard
IRS990/Form990PartVIISectionAGrp/PersonNm2Jack Click
IRS990/Form990PartVIISectionAGrp/PersonNm3David DeAnda
IRS990/Form990PartVIISectionAGrp/PersonNm4Ryan Del Bello
IRS990/Form990PartVIISectionAGrp/PersonNm5Jay Coppock
IRS990/Form990PartVIISectionAGrp/PersonNm6Kyle Dickson
IRS990/Form990PartVIISectionAGrp/PersonNm7Bruce Terry
IRS990/Form990PartVIISectionAGrp/PersonNm8John Blair
IRS990/Form990PartVIISectionAGrp/PersonNm9Mark Kline
IRS990/Form990PartVIISectionAGrp/PersonNm10Mark Rodriguez
IRS990/Form990PartVIISectionAGrp/PersonNm11Joel Mueller
IRS990/Form990PartVIISectionAGrp/PersonNm12Kent Postma
IRS990/Form990PartVIISectionAGrp/PersonNm13Cris Crixell
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
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IRS990/Form990PartVIISectionAGrp/TitleTxt0President/CEO
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IRS990/Form990PartVIISectionAGrp/TitleTxt2Chief Executive Officer
IRS990/Form990PartVIISectionAGrp/TitleTxt3Chief Legal Officer
IRS990/Form990PartVIISectionAGrp/TitleTxt4Chief Financial Officer
IRS990/Form990PartVIISectionAGrp/TitleTxt5Chief Operations Officer
IRS990/Form990PartVIISectionAGrp/TitleTxt6Board Member
IRS990/Form990PartVIISectionAGrp/TitleTxt7Board Member
IRS990/Form990PartVIISectionAGrp/TitleTxt8Board Chairman
IRS990/Form990PartVIISectionAGrp/TitleTxt9Board Member
IRS990/Form990PartVIISectionAGrp/TitleTxt10Board Member
IRS990/Form990PartVIISectionAGrp/TitleTxt11Board Vice Chairman
IRS990/Form990PartVIISectionAGrp/TitleTxt12Board Secretary
IRS990/Form990PartVIISectionAGrp/TitleTxt13Board Treasurer
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IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
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IRS990/GrossSalesOfInventoryAmt0492145
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IRS990/MissionDesc0To offer progressive quality financial services responsive to the members. The credit union is dedicated to providing these services in a caring professional manner while maintaining a strong financial basis.
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IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd00
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IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt00
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IRS990ScheduleD/EquipmentGrp/DepreciationAmt08234215
IRS990ScheduleD/EquipmentGrp/InvestmentCostOrOtherBasisAmt08651156
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IRS990ScheduleD/LandGrp/InvestmentCostOrOtherBasisAmt03654382
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IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt00
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IRS990ScheduleD/OtherLandBuildingsGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/TotalBookValueLandBuildingsAmt015737650
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IRS990ScheduleJ/CompensationSurveyInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd00
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IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt1260106
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt2260859
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt3207654
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt4189373
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount073495
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount156810

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