Civic Intelligence

Vatat Credit Union

990 • Fiscal year 2017 • EIN 74-1464400

Jan 01, 2017 to Dec 31, 2017 • Filed on May 10, 2018

Organization Profilewww.vatatcu.org
614 E 12th StreetAustin, TX 78701

(512) 472-3258

Siviq Scores

Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.

Liabilities / Assets

38th percentile

0.83x

Higher debt load relative to assets than 38% of similar nonprofits.

2017 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2017

Liabilities / Revenue

51st percentile

19.22x

Higher debt load relative to revenue than 51% of similar nonprofits.

2017 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2017

Net Margin

50th percentile

4.2%

Higher net margin than 50% of similar nonprofits.

2017 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2017

Top Officer Pay

93rd percentile

$93,350

Higher top officer pay than 93% of similar nonprofits.

Top officer pay equals 29.6% of source-year revenue.

2017 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2017

Asset Growth

62nd percentile

2.5%

Faster asset growth than 62% of similar nonprofits.

2017 filings • 501(c)14 • $5M-$10M nonprofits • Annualized from 2016 to 2017

Revenue Growth

90th percentile

12%

Faster revenue growth than 90% of similar nonprofits.

2017 filings • 501(c)14 • $5M-$10M nonprofits • Annualized from 2016 to 2017

Balance Sheet
Liabilities / Assets38th percentile

Assets

Up

$7,305,340

Up $174,834 (+2.5%) from 2016

Net Assets

Up

$1,247,561

Up $13,198 (+1.1%) from 2016

Liabilities

Up

$6,057,779

Up $161,636 (+2.7%) from 2016

Revenue And Expenses
Liabilities / Revenue51st percentileNet Margin50th percentile

Revenue

Up

$315,124

Up $34,405 (+12%) from 2016

Expenses

Down

$301,926

Down $3,319 (-1.1%) from 2016

Net Income

Up

$13,198

Up $37,724 (+154%) from 2016

Historical Trend

Balance Sheet Trend

Asset Growth62nd percentile

The highlighted filing sits inside the broader history for assets, liabilities, and net assets.

$15M$10M$5.0M$0Assets 2011: $5,892,818Liabilities 2011: $4,681,605Net Assets 2011: $1,211,2132011Assets 2012: $5,974,727Liabilities 2012: $4,748,654Net Assets 2012: $1,226,0732012Assets 2013: $6,342,028Liabilities 2013: $5,108,649Net Assets 2013: $1,233,3792013Assets 2014: $7,376,286Liabilities 2014: $6,133,017Net Assets 2014: $1,243,2692014Assets 2015: $7,289,287Liabilities 2015: $6,030,398Net Assets 2015: $1,258,8892015Assets 2016: $7,130,506Liabilities 2016: $5,896,143Net Assets 2016: $1,234,3632016Assets 2017: $7,305,340Liabilities 2017: $6,057,779Net Assets 2017: $1,247,5612017Assets 2018: $8,027,173Liabilities 2018: $6,748,787Net Assets 2018: $1,278,3862018Assets 2019: $8,508,292Liabilities 2019: $7,181,775Net Assets 2019: $1,326,5172019Assets 2020: $8,980,734Liabilities 2020: $7,578,909Net Assets 2020: $1,401,8252020Assets 2021: $9,393,749Liabilities 2021: $7,891,558Net Assets 2021: $1,502,1912021Assets 2022: $11,164,152Liabilities 2022: $9,547,874Net Assets 2022: $1,616,2782022Assets 2023: $10,827,914Liabilities 2023: $9,076,273Net Assets 2023: $1,751,6412023Assets 2024: $10,560,581Liabilities 2024: $8,731,074Net Assets 2024: $1,829,5072024

Highlighted filing

2017

Assets$7,305,340
Liabilities$6,057,779
Net Assets$1,247,561
Open 2017 Filing

Operations Trend

Revenue Growth90th percentile

Revenue, expenses, and net income across loaded years, with this filing highlighted.

$800K$600K$400K$200K$0-$200KExpenses 2011: $270,3992011Expenses 2012: $254,7222012Revenue 2013: $254,336Expenses 2013: $247,030Net Income 2013: $7,3062013Revenue 2014: $264,356Expenses 2014: $254,459Net Income 2014: $9,8972014Revenue 2015: $289,760Expenses 2015: $274,140Net Income 2015: $15,6202015Revenue 2016: $280,719Expenses 2016: $305,245Net Income 2016: -$24,5262016Revenue 2017: $315,124Expenses 2017: $301,926Net Income 2017: $13,1982017Revenue 2018: $365,251Expenses 2018: $334,426Net Income 2018: $30,8252018Revenue 2019: $409,960Expenses 2019: $361,829Net Income 2019: $48,1312019Revenue 2020: $431,114Expenses 2020: $355,806Net Income 2020: $75,3082020Revenue 2021: $428,195Expenses 2021: $327,829Net Income 2021: $100,3662021Revenue 2022: $491,122Expenses 2022: $377,035Net Income 2022: $114,0872022Revenue 2023: $647,934Expenses 2023: $512,571Net Income 2023: $135,3632023Revenue 2024: $672,763Expenses 2024: $594,897Net Income 2024: $77,8662024

Highlighted filing

2017

Revenue$315,124
Expenses$301,926
Net Income$13,198
Open 2017 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2017 to Dec 31, 2017
Signed
May 10, 2018
Return Version
2017v2.0
Gross Receipts
$315,124
Mission and Program Overview

Mission

The mission of VATAT Credit Union is to provide excellent member service through our individual and team effort. We will operate a safe and sound credit union which will in turn reward our shareholder members and our employees.

The mission of vatat credit union is to provide excellent member service through our individual and team efforts. We will operate a safe and sound credit union which will in turn reward our shareholder members and our employees. Helping members with their financial needs in a cost effective manner.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$5,589,389$5,934,878▲ $345,489
Rtn Earn Endowment Incm Other Fnds$1,234,363$1,247,561▲ $13,198
Investments Program Related$1,365,000$725,000▼ $640,000
Cash and Non-Interest-Bearing Accounts$126,387$488,179▲ $361,792
Savings and Temporary Cash Investments$31,271$130,000▲ $98,729
Prepaid Expenses and Deferred Charges$5,912$12,571▲ $6,659
Land, Buildings, and Equipment, Net$438$2,336▲ $1,898
Receivable From Disqualified Prsn$0--
Receivables From Officers Etc$0--
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Loans From Officers Directors$0$0→ $0
Total Assets$7,130,506$7,305,340▲ $174,834
Other Assets Total$12,109$12,376▲ $267
Liabilities
Other Liabilities$5,776,354$5,968,181▲ $191,827
Accounts Payable and Accrued Expenses$119,789$89,598▼ $30,191
Mortgage Notes Payable Secured by Investment Property$0--
Unsecured Notes Loans Payable$0--
Escrow Account Liability$0$0→ $0
Total Liabilities$5,896,143$6,057,779▲ $161,636
Net Assets / Fund Balance
Total Net Assets Fund Balance$1,234,363$1,247,561▲ $13,198
Total Liabilities and Net Assets / Fund Balance$7,130,506$7,305,340▲ $174,834

Asset Categories

AssetBook ValueDepreciationBasis
Investment Program Related Org$725,000--
Buildings$0$0$0
Other Land Buildings$0$0$0
Land$0-$0
Equipment$2,336$28,371$0
Leasehold Improvements$0$0$0
Compensation and Service Providers
Top Officer Pay93rd percentile

Employees

NameTitleFull / Part TimeBaseTotal
Rosario RodriguezCEOFT$93,350$93,350

Board Members and Trustees

NameTitle
Glenn ClinardChairman
Don HensonVice Chairman
Beverley K SchroedterDirector
Gary AdamsDirector
Joe LemmonsDirector
Steve ForsytheSecretary
Barney McclureTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$284,352
Investment Income
$16,648
Other Revenue
$14,124
Change in Net Assets
$13,198
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$162,060
Other Expenses$139,866
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Current Officers, Directors, Trustees, and Key Employees$93,350--$93,350
Other Salaries and Wages$44,518--$44,518
Office Expenses$39,017--$39,017
Occupancy$28,221--$28,221
Interest$22,940--$22,940
Information Technology$20,475--$20,475
Pension Plan Contributions$11,386--$11,386
Payroll Taxes$10,772--$10,772
Conferences and Meetings$7,781--$7,781
Insurance$7,404--$7,404
Other Expenses$6,061$0$0$6,061
Fees for Services Management$3,750--$3,750
Other Employee Benefits$2,034--$2,034
Fees for Services Accounting$1,680--$1,680
Depreciation Depletion$1,077--$1,077
Fees for Service Investment Mgmnt Fees$912--$912
Advertising$400--$400
Fees for Services Legal$148--$148
Total Functional Expenses$301,926$0$0$301,926
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Fundraising Direct Expenses$0
Fundraising Gross Income$0
Gaming Direct Expenses$0
Gaming Gross Income$0
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
Loans from Officers, Directors, Trustees, and Key Employees$0$0→ $0
Receivables from Disqualified Persons$0--
Receivables from Officers, Directors, Trustees, and Key Employees$0--
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Shares$5,968,181
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Backup withholding compliance
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
Yes
Other officer compensation reviewed
Yes
Conflict-of-interest policy
No
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 owned by our members.”

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

“The general membership elect and appoint directors to serve on a unpaid volunteer basis.”

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

“The IRS 990 Tax Form is sent to all directors for their review before it is submitted to the IRS.”

Form 990, Part VI, Section B, Line 15

“The VATAT board reviews on an annual basis the work and management responsibilities of the CEO and determines a salary within the boundaries of the budget.”

Form 990, Part VI, Section C, Line 19

“We post notices on our website, include statement notices, as well as announce in our annual meeting that the general membership may request and view these documents.”

Filing and Contact Details

Filer

Filer Name
Vatat Credit Union
EIN
74-1464400
Phone
5124723258
Address
614 E 12th Street, Austin, TX 78701

Signing Officer

Name
Rosario Rodriguez
Title
CEO
Phone
5124723258
Signed
2018-05-10

Organization Details

Principal Officer
Rosario Rodriguez
Formed
1961
Legal Domicile
TX
Voting Board Members
7
Independent Board Members
7
Employees
3
Volunteers
7
Supplemental Narrative

Additional Explanations

Form 990, Part III, Line 2

“We now offer E-Statements and Online Banking for our members. It was a service they expressed in feedback, so we now offer those services to suit their financial needs and in an effort to continue to serve our younger member base.”

Raw XML AppendixShowing 400 of 489 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.

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IRS990/ActivityOrMissionDesc0THE MISSION OF VATAT CREDIT UNION IS TO PROVIDE EXCELLENT MEMBER SERVICE THROUGH OUR INDIVIDUAL AND TEAM EFFORTS. WE WILL OPERATE A SAFE AND SOUND CREDIT UNION WHICH WILL IN TURN REWARD OUR SHAREHOLDER MEMBERS AND OUR EMPLOYEES. HELPING MEMBERS WITH THEIR FINANCIAL NEEDS IN A COST EFFECTIVE MANNER.
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IRS990/MissionDesc0The mission of VATAT Credit Union is to provide excellent member service through our individual and team effort. We will operate a safe and sound credit union which will in turn reward our shareholder members and our employees. Our mission is to provide our members with the financial services that will empower them to reach their financial goals
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IRS990/OtherExpensesGrp/ManagementAndGeneralAmt00
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IRS990/PartialLiquidationInd00
IRS990/PaymentsToAffiliatesGrp/ProgramServicesAmt00
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IRS990/PrincipalOfficerNm0Rosario Rodriguez
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IRS990/ProgramServiceRevenueGrp/ExclusionAmt20
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IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc0CREDIT UNION CD INVESTMENTS
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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0We now offer E-Statements and Online Banking for our members. It was a service they expressed in feedback, so we now offer those services to suit their financial needs and in an effort to continue to serve our younger member base.

Document Assets

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Filings

Displayed year

2017 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$7,305,340
Liabilities
$6,057,779
Net assets
$1,247,561
Revenue
$315,124
Expenses
$301,926
Net income
$13,198
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$10.6$8.73$1.83$0.67$0.59$0.08
2023Detailed filing. Detailed filing data is available for this year.$10.8$9.08$1.75$0.65$0.51$0.14
2022Detailed filing. Detailed filing data is available for this year.$11.2$9.55$1.62$0.49$0.38$0.11
2021Detailed filing. Detailed filing data is available for this year.$9.39$7.89$1.50$0.43$0.33$0.10
2020Detailed filing. Detailed filing data is available for this year.$8.98$7.58$1.40$0.43$0.36$0.08
2019Detailed filing. Detailed filing data is available for this year.$8.51$7.18$1.33$0.41$0.36$0.05
2018Detailed filing. Detailed filing data is available for this year.$8.03$6.75$1.28$0.37$0.33$0.03
2017Detailed filing. Detailed filing data is available for this year.$7.31$6.06$1.25$0.32$0.30$0.01
2016Detailed filing. Detailed filing data is available for this year.$7.13$5.90$1.23$0.28$0.31$0.02
2015Detailed filing. Detailed filing data is available for this year.$7.29$6.03$1.26$0.29$0.27$0.02
2014Detailed filing. Detailed filing data is available for this year.$7.38$6.13$1.24$0.26$0.25$0.01
2013Detailed filing. Detailed filing data is available for this year.$6.34$5.11$1.23$0.25$0.25$0.01
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$5.97$4.75$1.23$0.25
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$5.89$4.68$1.21$0.27