Civic Intelligence

Corpus Christi Sp Credit Union

EIN 74-1334335 • 501(c)14 • Corpus Christi, TX

View Organization Page

Profile

Encouraging thrift among members, creating a source of credit at fair and reasonable rates of interest, provide an opportunity for members to use and control their own money to improve their economic and social conditions, conducting any other activities that might benefit the member subject to texas cu act and regulations.

1120 N TancahuaCorpus Christi, TX 78401

www.ccspcu.com

Siviq Scores

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

Liabilities / Assets

76th percentile

0.86x

Higher debt load relative to assets than 76% of similar nonprofits.

501(c)14 • $1M-$5M nonprofits • Source year 2024

Liabilities / Revenue

45th percentile

9.19x

Higher debt load relative to revenue than 45% of similar nonprofits.

501(c)14 • $1M-$5M nonprofits • Source year 2024

Net Margin

59th percentile

3.2%

Higher net margin than 59% of similar nonprofits.

501(c)14 • $1M-$5M nonprofits • Source year 2024

Top Officer Pay

18th percentile

$0

Higher top officer pay than 18% of similar nonprofits.

Top officer pay equals 0.0% of source-year revenue.

501(c)14 • $1M-$5M nonprofits • Source year 2024

Asset Growth

99th percentile

12%

Faster asset growth than 99% of similar nonprofits.

501(c)14 • $1M-$5M nonprofits • Annualized from 2023 to 2024

Revenue Growth

96th percentile

25%

Faster revenue growth than 96% of similar nonprofits.

501(c)14 • $1M-$5M nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets76th percentile

Assets

Up

$4,949,203

Up $531,433 (+12%) from 2023

Liabilities

Up

$4,275,658

Up $516,354 (+14%) from 2023

Net Assets

Up

$673,545

Up $15,079 (+2.3%) from 2023

Operations
Liabilities / Revenue45th percentileNet Margin59th percentile

Revenue

Up

$465,029

Up $94,006 (+25%) from 2023

Expenses

Up

$449,950

Up $144,435 (+47%) from 2023

Net Income

Down

$15,079

Down $50,429 (-77%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth99th percentile

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

$6.0M$4.0M$2.0M$0Assets 2010: $4,332,173Liabilities 2010: $3,305,216Net Assets 2010: $1,026,9572010Assets 2011: $4,311,764Liabilities 2011: $3,256,569Net Assets 2011: $1,055,1952011Assets 2012: $4,045,680Liabilities 2012: $3,034,218Net Assets 2012: $1,011,4622012Assets 2013: $3,557,000Liabilities 2013: $2,558,740Net Assets 2013: $998,2602013Assets 2014: $3,672,954Liabilities 2014: $2,671,244Net Assets 2014: $1,001,7102014Assets 2015: $3,502,604Liabilities 2015: $2,610,065Net Assets 2015: $892,5392015Assets 2016: $2,721,225Liabilities 2016: $2,117,607Net Assets 2016: $603,6182016Assets 2017: $3,176,804Liabilities 2017: $2,487,889Net Assets 2017: $688,9152017Assets 2018: $3,023,840Liabilities 2018: $2,364,685Net Assets 2018: $659,1552018Assets 2019: $3,008,566Liabilities 2019: $2,398,393Net Assets 2019: $610,1732019Assets 2020: $2,955,084Liabilities 2020: $2,352,470Net Assets 2020: $602,6142020Assets 2021: $3,251,881Liabilities 2021: $2,682,914Net Assets 2021: $568,9672021Assets 2022: $4,513,852Liabilities 2022: $3,920,894Net Assets 2022: $592,9582022Assets 2023: $4,417,770Liabilities 2023: $3,759,304Net Assets 2023: $658,4662023Assets 2024: $4,949,203Liabilities 2024: $4,275,658Net Assets 2024: $673,5452024

Highlighted filing

2024

Assets$4,949,203
Liabilities$4,275,658
Net Assets$673,545
Open 2024 Filing

Operations Trend

Revenue Growth96th percentile

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

$600K$400K$200K$0-$200K-$400KExpenses 2010: $301,2412010Expenses 2011: $278,6382011Expenses 2012: $311,1472012Revenue 2013: $258,795Expenses 2013: $271,997Net Income 2013: -$13,2022013Revenue 2014: $284,864Expenses 2014: $281,414Net Income 2014: $3,4502014Revenue 2015: $246,197Expenses 2015: $355,368Net Income 2015: -$109,1712015Revenue 2016: $192,229Expenses 2016: $481,150Net Income 2016: -$288,9212016Revenue 2017: $193,064Expenses 2017: $211,554Net Income 2017: -$18,4902017Revenue 2018: $222,564Expenses 2018: $252,324Net Income 2018: -$29,7602018Revenue 2019: $244,115Expenses 2019: $293,097Net Income 2019: -$48,9822019Revenue 2020: $244,777Expenses 2020: $252,336Net Income 2020: -$7,5592020Revenue 2021: $256,236Expenses 2021: $289,883Net Income 2021: -$33,6472021Revenue 2022: $301,152Expenses 2022: $277,161Net Income 2022: $23,9912022Revenue 2023: $371,023Expenses 2023: $305,515Net Income 2023: $65,5082023Revenue 2024: $465,029Expenses 2024: $449,950Net Income 2024: $15,0792024

Highlighted filing

2024

Revenue$465,029
Expenses$449,950
Net Income$15,079
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
$4,949,203
Liabilities
$4,275,658
Net assets
$673,545
Revenue
$465,029
Expenses
$449,950
Net income
$15,079
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$4.95$4.28$0.67$0.47$0.45$0.02
2023Detailed filing. Detailed filing data is available for this year.$4.42$3.76$0.66$0.37$0.31$0.07
2022Detailed filing. Detailed filing data is available for this year.$4.51$3.92$0.59$0.30$0.28$0.02
2021Detailed filing. Detailed filing data is available for this year.$3.25$2.68$0.57$0.26$0.29$0.03
2020Detailed filing. Detailed filing data is available for this year.$2.96$2.35$0.60$0.24$0.25$0.01
2019Detailed filing. Detailed filing data is available for this year.$3.01$2.40$0.61$0.24$0.29$0.05
2018Detailed filing. Detailed filing data is available for this year.$3.02$2.36$0.66$0.22$0.25$0.03
2017Detailed filing. Detailed filing data is available for this year.$3.18$2.49$0.69$0.19$0.21$0.02
2016Detailed filing. Detailed filing data is available for this year.$2.72$2.12$0.60$0.19$0.48$0.29
2015Detailed filing. Detailed filing data is available for this year.$3.50$2.61$0.89$0.25$0.36$0.11
2014Detailed filing. Detailed filing data is available for this year.$3.67$2.67$1.00$0.28$0.28$0.00
2013Detailed filing. Detailed filing data is available for this year.$3.56$2.56$1.00$0.26$0.27$0.01
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$4.05$3.03$1.01$0.31
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$4.31$3.26$1.06$0.28
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$4.33$3.31$1.03$0.30
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Aug 8, 2025
Return Version
2024v5.2
Gross Receipts
$465,029
Mission and Program Overview

Mission

Encouraging thrift among members, creating a source of credit at fair and reasonable rates of interest, provide an opportunity for members to use and control their own money to improve their economic and social conditions, conducting any other activities that might benefit the member subject to texas cu act and regulations.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$3,433,716$3,657,563▲ $223,847
Investments Program Related$777,146$1,084,091▲ $306,945
Rtn Earn Endowment Incm Other Fnds$658,466$673,545▲ $15,079
Cash and Non-Interest-Bearing Accounts$84,667$88,618▲ $3,951
Land, Buildings, and Equipment, Net$64,445$59,718▼ $4,727
Prepaid Expenses and Deferred Charges$13,579$14,882▲ $1,303
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$4,417,770$4,949,203▲ $531,433
Other Assets Total$44,217$44,331▲ $114
Liabilities
Other Liabilities$3,707,000$4,164,818▲ $457,818
Accounts Payable and Accrued Expenses$52,304$110,840▲ $58,536
Total Liabilities$3,759,304$4,275,658▲ $516,354
Net Assets / Fund Balance
Total Net Assets Fund Balance$658,466$673,545▲ $15,079
Total Liabilities and Net Assets / Fund Balance$4,417,770$4,949,203▲ $531,433

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$1,678$129,942$131,620
Buildings$37,415$64,091$101,506
Land$20,625-$20,625
Investment Program Related Org$700,000--
Compensation and Service Providers
Top Officer Pay18th percentile

Board Members and Trustees

NameTitle
George TorresVice-chairman
Juan Garza JrChariman
Rose NunezMembership Officer
Evelyn PageSecretary
Veronica GarzaTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$419,696
Investment Income
$45,333
Other Revenue
$0
Change in Net Assets
$15,079
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$262,763
Salaries, Compensation, and Employee Benefits$109,747
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$101,069--$101,069
Benefits to Members$77,440--$77,440
Fees for Services Other$76,447--$76,447
Office Expenses$65,829--$65,829
Interest$32,670--$32,670
Occupancy$16,789--$16,789
Payroll Taxes$8,258--$8,258
All Other Expenses$4,546--$4,546
Other Expenses$2,854--$2,854
Travel$1,839--$1,839
Other Employee Benefits$420--$420
Total Functional Expenses$449,950$0$0$449,950
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 Deposits$4,164,818
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
Yes
Annual disclosure for covered persons
Yes
Audit committee
Yes
Backup withholding compliance
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
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, Part VI, Section A, Line 6

“The credit union is a state chartered credit union comprised of owners/members. The members hold annual meetings at which time the members present elect open positions to the board of directors.”

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

“Copy of form 990 is provided to each board member for review. After detailed review and discussion, the form is approved for remittance to the irs.”

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

“All board of directors and key employees are required to file an annual conflict of interest disclosure statement.”

Form 990, Part VI, Section B, Line 15B

“Board of directors reviews the compensation paid to their key 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, Part VI, Section C, Line 19

“Credit union posts its financial statements in the c.u. 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
Corpus Christi Sp Credit Union
EIN
74-1334335
Phone
3618888332
Address
1120 N TANCAHUA, CORPUS CHRISTI, TX 78401

Signing Officer

Name
Orfi Benitez
Title
President/CEO
Phone
3618888332
Signed
2025-08-08

Organization Details

Principal Officer
Orfi Benitez
Formed
1953
Legal Domicile
TX
Voting Board Members
5
Independent Board Members
5
Employees
3
Volunteers
0
Supplemental Narrative

Additional Explanations

Form 990, Part IX, Line 11G

“Professional/outside services: program service expenses 76,447. Management and general expenses 0. Fundraising expenses 0. Total expenses 76,447.”

Raw XML Appendix344 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/ProgramServiceRevenueGrp/TotalRevenueColumnAmt235343
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt050180
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt035455
IRS990/PYOtherExpensesAmt0148127
IRS990/PYOtherRevenueAmt00
IRS990/PYProgramServiceRevenueAmt0335568
IRS990/PYRevenuesLessExpensesAmt065508
IRS990/PYSalariesCompEmpBnftPaidAmt0107208
IRS990/PYTotalExpensesAmt0305515
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt0371023
IRS990/ReconcilationRevenueExpnssAmt015079
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd01
IRS990/RevenueAmt0465029
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt0658466
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt0673545
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt037415
IRS990ScheduleD/BuildingsGrp/DepreciationAmt064091
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt0101506
IRS990ScheduleD/EquipmentGrp/BookValueAmt01678
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0129942
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt0131620
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt0383270
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt1821
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt2700000
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc0CATALYST CASH MANAGEMENT
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc1PERPETUAL CAPITAL/CATALYST
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc2CERTIFICATES OF DEPOSIT
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd0C
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd1C
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd2C
IRS990ScheduleD/LandGrp/BookValueAmt020625
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt020625
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt04164818
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER DEPOSITS
IRS990ScheduleD/TotalBookValueLandBuildingsAmt059718
IRS990ScheduleD/TotalBookValueProgramRltdAmt01084091
IRS990ScheduleD/TotalLiabilityAmt04164818
IRS990/ScheduleJRequiredInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE CREDIT UNION IS A STATE CHARTERED CREDIT UNION COMPRISED OF OWNERS/MEMBERS. THE MEMBERS HOLD ANNUAL MEETINGS AT WHICH TIME THE MEMBERS PRESENT ELECT OPEN POSITIONS TO THE BOARD OF DIRECTORS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1COPY OF FORM 990 IS PROVIDED TO EACH BOARD MEMBER FOR REVIEW. AFTER DETAILED REVIEW AND DISCUSSION, THE FORM IS APPROVED FOR REMITTANCE TO THE IRS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2ALL BOARD OF DIRECTORS AND KEY EMPLOYEES ARE REQUIRED TO FILE AN ANNUAL CONFLICT OF INTEREST DISCLOSURE STATEMENT.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3BOARD OF DIRECTORS REVIEWS THE COMPENSATION PAID TO THEIR KEY 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/ExplanationTxt4CREDIT UNION POSTS ITS FINANCIAL STATEMENTS IN THE C.U. 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/ExplanationTxt5PROFESSIONAL/OUTSIDE SERVICES: PROGRAM SERVICE EXPENSES 76,447. MANAGEMENT AND GENERAL EXPENSES 0. FUNDRAISING EXPENSES 0. TOTAL EXPENSES 76,447.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PART VI, SECTION A, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PART VI, SECTION B, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PART VI, SECTION B, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PART VI, SECTION B, LINE 15B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PART VI, SECTION C, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PART IX, LINE 11G
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/SubjectToExcsTaxNetInvstIncInd00
IRS990/SubjectToProxyTaxInd00
IRS990/SubjToTaxRmnrtnExPrchtPymtInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt04417770
IRS990/TotalAssetsEOYAmt04949203
IRS990/TotalAssetsGrp/BOYAmt04417770
IRS990/TotalAssetsGrp/EOYAmt04949203
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalEmployeeCnt03
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt0449950
IRS990/TotalFunctionalExpensesGrp/TotalAmt0449950
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt03759304
IRS990/TotalLiabilitiesEOYAmt04275658
IRS990/TotalLiabilitiesGrp/BOYAmt03759304
IRS990/TotalLiabilitiesGrp/EOYAmt04275658
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt0658466
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt0673545
IRS990/TotalOtherCompensationAmt00
IRS990/TotalProgramServiceExpensesAmt0449950
IRS990/TotalProgramServiceRevenueAmt0419696
IRS990/TotalReportableCompFromOrgAmt00
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0465029
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0465029
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt00
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt04417770
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt04949203
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TravelGrp/ProgramServicesAmt01839
IRS990/TravelGrp/TotalAmt01839
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd00
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt01120 N TANCAHUA
IRS990/USAddress/CityNm0CORPUS CHRISTI
IRS990/USAddress/StateAbbreviationCd0TX
IRS990/USAddress/ZIPCd078401
IRS990/VotingMembersGoverningBodyCnt05
IRS990/VotingMembersIndependentCnt05
IRS990/WebsiteAddressTxt0WWW.CCSPCU.COM
IRS990/WhistleblowerPolicyInd00
ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/PersonNm0ORFI BENITEZ
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT/CEO
ReturnHeader/BusinessOfficerGrp/PhoneNum03618888332
ReturnHeader/BusinessOfficerGrp/SignatureDt02025-08-08
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0CORPUS CHRISTI SP CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0CORP
ReturnHeader/Filer/EIN0741334335
ReturnHeader/Filer/PhoneNum03618888332
ReturnHeader/Filer/USAddress/AddressLine1Txt01120 N TANCAHUA
ReturnHeader/Filer/USAddress/CityNm0CORPUS CHRISTI
ReturnHeader/Filer/USAddress/StateAbbreviationCd0TX
ReturnHeader/Filer/USAddress/ZIPCd078401
ReturnHeader/IRSResponsiblePrtyInfoCurrInd01
ReturnHeader/ReturnTs02025-08-22T09:00:06-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02024-01-01
ReturnHeader/TaxPeriodEndDt02024-12-31
ReturnHeader/TaxYr02024

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