Civic Intelligence

United Savers Trust Credit Union

EIN 74-1476892 • 501(c)14 • Houston, TX

Profile

We are a provider of credit union services which include low cost loans and dividends paid on savings accounts to our members.

14159 Northwest FreewayHouston, TX 77040
Siviq Scores

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

Liabilities / Assets

92nd percentile

0.93x

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

501(c)14 • $5M-$10M nonprofits • Source year 2022

Liabilities / Revenue

63rd percentile

16.80x

Higher debt load relative to revenue than 63% of similar nonprofits.

501(c)14 • $5M-$10M nonprofits • Source year 2022

Net Margin

26th percentile

-7.8%

Higher net margin than 26% of similar nonprofits.

501(c)14 • $5M-$10M nonprofits • Source year 2022

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 • $5M-$10M nonprofits • Source year 2022

Asset Growth

29th percentile

-4.9%

Faster asset growth than 29% of similar nonprofits.

501(c)14 • $5M-$10M nonprofits • Annualized from 2021 to 2022

Revenue Growth

36th percentile

1.6%

Faster revenue growth than 36% of similar nonprofits.

501(c)14 • $5M-$10M nonprofits • Annualized from 2021 to 2022

Balance Sheet
Liabilities / Assets92nd percentile

Assets

Down

$6,601,086

Down $340,301 (-4.9%) from 2021

Liabilities

Down

$6,149,315

Down $311,902 (-4.8%) from 2021

Net Assets

Down

$451,771

Down $28,399 (-5.9%) from 2021

Operations
Liabilities / Revenue63rd percentileNet Margin26th percentile

Revenue

Up

$366,098

Up $5,707 (+1.6%) from 2021

Expenses

Up

$394,497

Up $14,270 (+3.8%) from 2021

Net Income

Down

-$28,399

Down $8,563 (-43%) from 2021

Trend Graphs

Balance Sheet Trend

Asset Growth29th percentile

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

$8.0M$6.0M$4.0M$2.0M$0Assets 2010: $6,405,183Liabilities 2010: $5,867,508Net Assets 2010: $537,6752010Assets 2012: $7,211,006Liabilities 2012: $6,632,642Net Assets 2012: $578,3642012Assets 2013: $7,300,093Liabilities 2013: $6,711,811Net Assets 2013: $588,2822013Assets 2014: $7,451,672Liabilities 2014: $6,912,563Net Assets 2014: $539,1092014Assets 2015: $6,878,536Liabilities 2015: $6,354,227Net Assets 2015: $524,3092015Assets 2016: $6,401,475Liabilities 2016: $5,922,318Net Assets 2016: $479,1572016Assets 2017: $6,376,885Liabilities 2017: $5,953,580Net Assets 2017: $423,3052017Assets 2018: $6,139,455Liabilities 2018: $5,697,235Net Assets 2018: $442,2202018Assets 2019: $6,506,578Liabilities 2019: $6,028,919Net Assets 2019: $477,6592019Assets 2020: $6,850,993Liabilities 2020: $6,350,987Net Assets 2020: $500,0062020Assets 2021: $6,941,387Liabilities 2021: $6,461,217Net Assets 2021: $480,1702021Assets 2022: $6,601,086Liabilities 2022: $6,149,315Net Assets 2022: $451,7712022

Highlighted filing

2022

Assets$6,601,086
Liabilities$6,149,315
Net Assets$451,771
Open 2022 Filing

Operations Trend

Revenue Growth36th percentile

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

$600K$400K$200K$0-$200KExpenses 2010: $473,1842010Expenses 2012: $435,4982012Revenue 2013: $453,937Expenses 2013: $444,019Net Income 2013: $9,9182013Revenue 2014: $443,958Expenses 2014: $493,131Net Income 2014: -$49,1732014Revenue 2015: $436,608Expenses 2015: $451,408Net Income 2015: -$14,8002015Revenue 2016: $432,632Expenses 2016: $477,784Net Income 2016: -$45,1522016Revenue 2017: $409,039Expenses 2017: $463,954Net Income 2017: -$54,9152017Revenue 2018: $422,298Expenses 2018: $403,383Net Income 2018: $18,9152018Revenue 2019: $407,473Expenses 2019: $372,034Net Income 2019: $35,4392019Revenue 2020: $396,497Expenses 2020: $371,400Net Income 2020: $25,0972020Revenue 2021: $360,391Expenses 2021: $380,227Net Income 2021: -$19,8362021Revenue 2022: $366,098Expenses 2022: $394,497Net Income 2022: -$28,3992022

Highlighted filing

2022

Revenue$366,098
Expenses$394,497
Net Income-$28,399
Open 2022 Filing

Filings

Most recent year

2022 • Form 990XML pending. An XML filing is linked for this year, but detailed extraction is still pending.

Open filing
Assets
$6,601,086
Liabilities
$6,149,315
Net assets
$451,771
Revenue
$366,098
Expenses
$394,497
Net income
-$28,399
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$6.60$6.15$0.45$0.37$0.39$0.03
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$6.94$6.46$0.48$0.36$0.38$0.02
2020Facts available. Structured filing facts are available, but richer extracted sections are limited.$6.85$6.35$0.50$0.40$0.37$0.03
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$6.51$6.03$0.48$0.41$0.37$0.04
2018Facts available. Structured filing facts are available, but richer extracted sections are limited.$6.14$5.70$0.44$0.42$0.40$0.02
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$6.38$5.95$0.42$0.41$0.46$0.05
2016Facts available. Structured filing facts are available, but richer extracted sections are limited.$6.40$5.92$0.48$0.43$0.48$0.05
2015XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$6.88$6.35$0.52$0.44$0.45$0.01
2014Detailed filing. Detailed filing data is available for this year.$7.45$6.91$0.54$0.44$0.49$0.05
2013Detailed filing. Detailed filing data is available for this year.$7.30$6.71$0.59$0.45$0.44$0.01
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$7.21$6.63$0.58$0.44
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$6.41$5.87$0.54$0.47
Latest Detailed Filing

The latest 2022 filing currently has linked XML that has not been fully parsed yet. Showing the latest detailed filing from 2020 below.

Jump To
Filing Snapshot
Filing Period
Jan 1, 2020 to Dec 31, 2020
Signed
Aug 16, 2021
Return Version
2020v4.1
Gross Receipts
$396,497
Mission and Program Overview

Mission

We are a provider of credit union services which include low cost loans and dividends paid on savings accounts to our members.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$5,228,617$4,492,565▼ $736,052
Savings and Temporary Cash Investments$93,123$1,414,453▲ $1,321,330
Rtn Earn Endowment Incm Other Fnds$477,659$500,006▲ $22,347
Receivables From Officers Etc$496,186$445,932▼ $50,254
Cash and Non-Interest-Bearing Accounts$287,296$362,603▲ $75,307
Investments in Publicly Traded Securities$248,000--
Land, Buildings, and Equipment, Net$59,567$44,399▼ $15,168
Prepaid Expenses and Deferred Charges$26,938$24,939▼ $1,999
Total Assets$6,506,578$6,850,993▲ $344,415
Other Assets Total$66,851$66,102▼ $749
Liabilities
Other Liabilities$5,615,417$6,335,856▲ $720,439
Accounts Payable and Accrued Expenses$413,502$15,131▼ $398,371
Total Liabilities$6,028,919$6,350,987▲ $322,068
Net Assets / Fund Balance
Total Net Assets Fund Balance$477,659$500,006▲ $22,347
Total Liabilities and Net Assets / Fund Balance$6,506,578$6,850,993▲ $344,415

Asset Categories

AssetBook ValueDepreciationBasis
Other Land Buildings$44,399$114,756-
Compensation and Service Providers
Top Officer Pay18th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Charlotte AubryPresidentFT$37,720$37,720

Board Members and Trustees

NameTitle
George Eberly IIIVice Chair
Dennis VineDirector
Isham WilliamsDirector
Janice TubbsDirector
Margaret SabrsulaDirector
Matt PentifalloDirector
Scott BormanDirector
Daintee HurstSecretary
Tom McClurkinTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$366,530
Investment Income
$3,883
Other Revenue
$26,084
Change in Net Assets
$25,097
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$208,524
Salaries, Compensation, and Employee Benefits$162,876
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$131,360--$131,360
Occupancy$49,372--$49,372
Interest$41,171--$41,171
Fees for Services Accounting$38,690--$38,690
Other Employee Benefits$31,516--$31,516
All Other Expenses$24,052--$24,052
Depreciation Depletion$17,571--$17,571
Insurance$10,498--$10,498
Office Expenses$10,312--$10,312
Other Expenses$3,854--$3,854
Conferences and Meetings$1,887--$1,887
Advertising$1,561--$1,561
Total Functional Expenses$371,400$0$0$371,400
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
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Officers, Directors, Trustees, and Key Employees$496,186$445,932▼ $50,254
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Share Deposits and CDs$6,335,856
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
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
No
Conflict-of-interest policy
No
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Officer directors etc family relationship Part VI line 2

“The presidents daughter is an employee of the credit union.”

Members or stockholder classes and rights Part VI line 6

“Members or stockholders include all members of the credit union with depository services.”

Member election for additional members Part VI line 7A

“Directors are elected by the members once a year.”

Form 990 governing body review Part VI line 11

“CPA firm is hired to prepare 990. Board reviews 990 prior to filing.”

Governing documents etc available to public Part VI line 19

“Documents available upon request.”

Filing and Contact Details

Filer

Filer Name
United Savers Trust Credit Union
EIN
74-1476892
Address
14159 Northwest Freeway, Houston, TX 77040

Signing Officer

Name
Charlotte Aubry
Title
President
Phone
7134622553
Signed
2021-08-16
Discuss with paid preparer
No

Organization Details

Principal Officer
Charlotte Aubry
Formed
1952
Legal Domicile
TX
Voting Board Members
9
Independent Board Members
9
Employees
3

Preparer

Firm
Griffin and Company LLC
Address
P O Box 983, Mandeville, LA 70470
Preparer
Stephen M Griffin CPA
Phone
9857279924
Supplemental Narrative

Additional Explanations

List of other expenses Part IX line 24E

“See Overflow Schedule for list of other expenses.”

Raw XML AppendixShowing 400 of 768 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/AccountsPayableAccrExpnssGrp/EOYAmt015131
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IRS990/ActivitiesConductedPrtshpInd0false
IRS990/ActivityOrMissionDesc0We are a provider of credit union services which include low cost loans and dividends paid on savings accounts to our members.
IRS990/AdvertisingGrp/ProgramServicesAmt01561
IRS990/AdvertisingGrp/TotalAmt01561
IRS990/AllOtherExpensesGrp/ProgramServicesAmt024052
IRS990/AllOtherExpensesGrp/TotalAmt024052
IRS990/AuditCommitteeInd0true
IRS990/BackupWthldComplianceInd0true
IRS990/BooksInCareOfDetail/PersonNm0Charlotte Aubry
IRS990/BooksInCareOfDetail/PhoneNum07134622553
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt014159 Northwest Freeway
IRS990/BooksInCareOfDetail/USAddress/CityNm0Houston
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0TX
IRS990/BooksInCareOfDetail/USAddress/ZIPCd077040
IRS990/BusinessRlnWith35CtrlEntInd0false
IRS990/BusinessRlnWithFamMemInd0false
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IRS990/CashNonInterestBearingGrp/BOYAmt0287296
IRS990/CashNonInterestBearingGrp/EOYAmt0362603
IRS990/ChangeToOrgDocumentsInd0false
IRS990/CollectionsOfArtInd0false
IRS990/CompensationFromOtherSrcsInd0false
IRS990/CompensationProcessCEOInd0false
IRS990/CompensationProcessOtherInd0false
IRS990/ConferencesMeetingsGrp/ProgramServicesAmt01887
IRS990/ConferencesMeetingsGrp/TotalAmt01887
IRS990/ConflictOfInterestPolicyInd0false
IRS990/ConservationEasementsInd0false
IRS990/ConsolidatedAuditFinclStmtInd0false
IRS990/CreditCounselingInd0false
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt03883
IRS990/CYOtherExpensesAmt0208524
IRS990/CYOtherRevenueAmt026084
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IRS990/CYRevenuesLessExpensesAmt025097
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IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt0396497
IRS990/DecisionsSubjectToApprovaInd0false
IRS990/DeductibleArtContributionInd0false
IRS990/DeductibleNonCashContriInd0false
IRS990/DelegationOfMgmtDutiesInd0false
IRS990/DepreciationDepletionGrp/ProgramServicesAmt017571
IRS990/DepreciationDepletionGrp/TotalAmt017571
IRS990/Desc0We are a provider of credit union services.
IRS990/DescribedInSection501c3Ind0false
IRS990/DisregardedEntityInd0false
IRS990/DocumentRetentionPolicyInd0true
IRS990/DonorAdvisedFundInd0false
IRS990/DonorRstrOrQuasiEndowmentsInd0false
IRS990/ElectionOfBoardMembersInd0true
IRS990/EmployeeCnt03
IRS990/EmploymentTaxReturnsFiledInd0true
IRS990/ExpenseAmt0371400
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IRS990/FeesForServicesAccountingGrp/ProgramServicesAmt038690
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IRS990/ForeignFinancialAccountInd0false
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IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt10.00
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IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt80.00
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IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd1X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd2X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd3X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd4X
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
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IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt60
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt70
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt80
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt90
IRS990/Form990PartVIISectionAGrp/PersonNm0Charlotte Aubry
IRS990/Form990PartVIISectionAGrp/PersonNm1Margaret Sabrsula
IRS990/Form990PartVIISectionAGrp/PersonNm2Dennis Vine
IRS990/Form990PartVIISectionAGrp/PersonNm3Scott Borman
IRS990/Form990PartVIISectionAGrp/PersonNm4George Eberly III
IRS990/Form990PartVIISectionAGrp/PersonNm5Isham Williams
IRS990/Form990PartVIISectionAGrp/PersonNm6Tom McClurkin
IRS990/Form990PartVIISectionAGrp/PersonNm7Janice Tubbs
IRS990/Form990PartVIISectionAGrp/PersonNm8Daintee Hurst
IRS990/Form990PartVIISectionAGrp/PersonNm9Matt Pentifallo
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IRS990/Form990PartVIISectionAGrp/TitleTxt0President
IRS990/Form990PartVIISectionAGrp/TitleTxt1Director
IRS990/Form990PartVIISectionAGrp/TitleTxt2Director
IRS990/Form990PartVIISectionAGrp/TitleTxt3Director
IRS990/Form990PartVIISectionAGrp/TitleTxt4Vice Chair
IRS990/Form990PartVIISectionAGrp/TitleTxt5Director
IRS990/Form990PartVIISectionAGrp/TitleTxt6Treasurer
IRS990/Form990PartVIISectionAGrp/TitleTxt7Director
IRS990/Form990PartVIISectionAGrp/TitleTxt8Secretary
IRS990/Form990PartVIISectionAGrp/TitleTxt9Director
IRS990/Form990ProvidedToGvrnBodyInd0true
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IRS990/IndependentVotingMemberCnt09
IRS990/IndivRcvdGreaterThan100KCnt00
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IRS990/OtherExpensesGrp/Desc0Telephone
IRS990/OtherExpensesGrp/Desc1Real Estate Taxes
IRS990/OtherExpensesGrp/Desc2Equipment Rental
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IRS990/OtherExpensesGrp/ProgramServicesAmt22206
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