Civic Intelligence

Coastal Community and Teachers Credit Union

990 • Fiscal year 2013 • EIN 74-1505143

Jan 01, 2013 to Dec 31, 2013 • Filed on May 14, 2014

Organization ProfileWWW.CCATCU.COM

View Organization Page

6810 Saratoga Boulevard78414

(361) 985-6810

Siviq Scores

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

Liabilities / Assets

55th percentile

0.90x

Higher debt load relative to assets than 55% of similar nonprofits.

2013 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2013

Liabilities / Revenue

33rd percentile

16.10x

Higher debt load relative to revenue than 33% of similar nonprofits.

2013 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2013

Net Margin

12th percentile

5.5%

Higher net margin than 12% of similar nonprofits.

2013 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2013

Top Officer Pay

7th percentile

$209,165

Higher top officer pay than 7% of similar nonprofits.

Top officer pay equals 1.4% of source-year revenue.

2013 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2013

Asset Growth

91st percentile

11%

Faster asset growth than 91% of similar nonprofits.

2013 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2012 to 2013

Revenue Growth

56th percentile

8.4%

Faster revenue growth than 56% of similar nonprofits.

2013 filings • $250M-$1B nonprofits • Annualized from 2011 to 2013

Balance Sheet
Liabilities / Assets55th percentile

Assets

Up

$271,876,216

Up $26,948,575 (+11%) from 2012

Net Assets

Up

$27,417,063

Up $2,042,621 (+8.0%) from 2012

Liabilities

Up

$244,459,153

Up $24,905,954 (+11%) from 2012

Revenue And Expenses
Liabilities / Revenue33rd percentileNet Margin12th percentile

Revenue

$15,182,986

No earlier filing loaded for comparison.

Expenses

Up

$14,351,056

Up $2,593,277 (+22%) from 2012

Net Income

$831,930

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth91st percentile

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

$600M$400M$200M$0Assets 2010: $186,840,879Liabilities 2010: $165,344,702Net Assets 2010: $21,496,1772010Assets 2011: $212,670,905Liabilities 2011: $190,406,448Net Assets 2011: $22,264,4572011Assets 2012: $244,927,641Liabilities 2012: $219,553,199Net Assets 2012: $25,374,4422012Assets 2013: $271,876,216Liabilities 2013: $244,459,153Net Assets 2013: $27,417,0632013Assets 2014: $280,793,435Liabilities 2014: $254,360,334Net Assets 2014: $26,433,1012014Assets 2015: $282,998,801Liabilities 2015: $257,981,459Net Assets 2015: $25,017,3422015Assets 2016: $283,564,163Liabilities 2016: $257,437,808Net Assets 2016: $26,126,3552016Assets 2017: $298,085,218Liabilities 2017: $270,090,784Net Assets 2017: $27,994,4342017Assets 2018: $312,201,740Liabilities 2018: $280,867,075Net Assets 2018: $31,334,6652018Assets 2019: $354,360,950Liabilities 2019: $316,417,577Net Assets 2019: $37,943,3732019Assets 2020: $408,757,871Liabilities 2020: $364,889,442Net Assets 2020: $43,868,4292020Assets 2021: $459,349,679Liabilities 2021: $406,910,045Net Assets 2021: $52,439,6342021Assets 2022: $490,166,619Liabilities 2022: $443,366,274Net Assets 2022: $46,800,3452022Assets 2023: $479,449,439Liabilities 2023: $431,148,924Net Assets 2023: $48,300,5152023Assets 2024: $495,568,233Liabilities 2024: $445,667,841Net Assets 2024: $49,900,3922024

Highlighted filing

2013

Assets$271,876,216
Liabilities$244,459,153
Net Assets$27,417,063
Open 2013 Filing

Operations Trend

Revenue Growth56th percentile

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

$30M$20M$10M$0-$10MExpenses 2010: $10,494,5862010Revenue 2011: $12,930,756Expenses 2011: $10,796,808Net Income 2011: $2,133,9482011Expenses 2012: $11,757,7792012Revenue 2013: $15,182,986Expenses 2013: $14,351,056Net Income 2013: $831,9302013Revenue 2014: $14,161,335Expenses 2014: $13,966,739Net Income 2014: $194,5962014Revenue 2015: $14,995,191Expenses 2015: $15,683,907Net Income 2015: -$688,7162015Revenue 2016: $17,051,041Expenses 2016: $15,573,532Net Income 2016: $1,477,5092016Revenue 2017: $17,115,064Expenses 2017: $15,491,666Net Income 2017: $1,623,3982017Revenue 2018: $18,074,315Expenses 2018: $14,588,745Net Income 2018: $3,485,5702018Revenue 2019: $21,774,371Expenses 2019: $16,792,774Net Income 2019: $4,981,5972019Revenue 2020: $21,894,502Expenses 2020: $16,853,777Net Income 2020: $5,040,7252020Revenue 2021: $21,652,843Expenses 2021: $15,930,953Net Income 2021: $5,721,8902021Revenue 2022: $23,047,485Expenses 2022: $17,882,088Net Income 2022: $5,165,3972022Revenue 2023: $26,050,682Expenses 2023: $23,380,884Net Income 2023: $2,669,7982023Revenue 2024: $29,335,164Expenses 2024: $29,531,872Net Income 2024: -$196,7082024

Highlighted filing

2013

Revenue$15,182,986
Expenses$14,351,056
Net Income$831,930
Open 2013 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2013 to Dec 31, 2013
Signed
May 14, 2014
Return Version
2013v3.1
Gross Receipts
$15,182,986
Mission and Program Overview

Mission

Change lives by helping each person navigate their financial journey.

Provide members with quality financial services through the realm of sound management policies and a professional code of ethics.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$183,327,083$182,692,435▼ $634,648
Cash and Non-Interest-Bearing Accounts$19,917,859$43,642,400▲ $23,724,541
Rtn Earn Endowment Incm Other Fnds$25,374,442$27,417,063▲ $2,042,621
Investments Program Related$22,993,242$26,016,376▲ $3,023,134
Land, Buildings, and Equipment, Net$5,712,373$5,646,019▼ $66,354
Total Assets$244,927,641$271,876,216▲ $26,948,575
Other Assets Total$12,977,084$13,878,986▲ $901,902
Liabilities
Other Liabilities$216,703,900$242,743,294▲ $26,039,394
Accounts Payable and Accrued Expenses$2,849,299$1,715,859▼ $1,133,440
Total Liabilities$219,553,199$244,459,153▲ $24,905,954
Net Assets / Fund Balance
Total Net Assets Fund Balance$25,374,442$27,417,063▲ $2,042,621
Total Liabilities and Net Assets / Fund Balance$244,927,641$271,876,216▲ $26,948,575

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$3,632,802$1,372,829$5,005,631
Equipment$427,170$2,163,311$2,590,481
Other Land Buildings$167,587$1,159,213$1,326,800
Land$1,129,485-$1,129,485
Leasehold Improvements$288,975$263,131$552,106
Investment Program Related Org$2,300,055--
Other Assets Org$13,878,986--
Compensation and Service Providers
Top Officer Pay7th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Gina BryantPresidentFT$209,165$209,165
Gina Bryant--$209,165$209,165

Board Members and Trustees

NameTitle
Arturo DelgadoChairperson
Henry SantanaVice Chairperson
David HinojosaBoard Member
Eduardo TorresBoard Member
Lynda De LeonBoard Member
Tony DiazBoard Member
Jose CavazosParliamentarian
Ken CombsSecretary
Javier LealTreasurer

Highest Paid Contractors

ContractorServicesLocationCompensation
BcbsEmployee Benefits-$375,483
SwbcInsurance-$269,671
Horsetail TechIt Consultant-$264,761
BitStatement Processing-$228,540
CunaInsuranceforms-$188,655
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$14,688,573
Investment Income
$364,026
Other Revenue
$130,387
Change in Net Assets
$831,930
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$8,283,648
Salaries, Compensation, and Employee Benefits$3,943,700
Grants and Similar Amounts Paid$6,000
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Comp Disqual Persons---$3,734,535
Benefits to Members---$2,117,708
Office Expenses---$1,399,506
Information Technology---$733,967
Occupancy---$428,659
Advertising---$260,848
Current Officers, Directors, Trustees, and Key Employees---$209,165
Insurance---$184,004
Depreciation Depletion---$177,859
Fees for Services Other---$148,468
Conferences and Meetings---$101,552
All Other Expenses---$72,395
Other Expenses---$33,110
Grants to Domestic Individuals---$6,000
Total Functional Expenses$0$0$0$14,351,056
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
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Deposits$242,743,294
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
Yes
Annual disclosure for covered persons
Yes
Audit committee
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
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

Form 990 Part VI Section A 6-7

“Ccatcu is a state chartered credit union comprised of ownermembers. These members hold annual meetings at which time the members elect the board of directors.”

Form 990 Part VI Section B 11A

“A copy of the form 990 is provided to each director for review. After review and discussion the form is approved for remittance to the irs.”

Form 990 Part VI Section B 12C

“Officials sign a code of conduct code of ethics terms of agreement annually. They are not required to disclose any possible conflicts of interest however when there is an apparent conflict the affected official abstains from voting.”

Form 990 Part VI Section B 15A-15B

“The board of directors appoints an administrative committee who reviews annually the compensation levels of all key employees prior to approval by the entire board. A written employment contract also exists for the presidentceo and it is reviewed annually during this process.”

Form 990 Part VI Section C 19

“Financial statements are posted monthly in each credit union office and the annual reports are available on the website. The governance documents based on the texas administrative code and board of director policy are available upon member request. A disclosure is required to be posted on the website and in the newsletter twice a year informing the members that certain documents are available for member review.”

Filing and Contact Details

Filer

EIN
74-1505143

Signing Officer

Name
Arturo Delgado
Title
Chairperson
Phone
3619856810
Signed
2014-05-14

Organization Details

Principal Officer
Arturo Delgado
Voting Board Members
9
Independent Board Members
9
Employees
114
Volunteers
9
Supplemental Narrative

Additional Explanations

Form 990 Part XI Line 9

“Ccatcu has a defined benefit retirement program for staff. For the year 2013 there was an adjustment to comprehensive income.”

Raw XML AppendixShowing 400 of 442 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/PrincipalOfficerNm0ARTURO DELGADO
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IRS990/ProgramServiceRevenueGrp/Desc1FEES AND PROGRAM REVENUE
IRS990/ProgramServiceRevenueGrp/Desc2MISC OPERATING REVENUE
IRS990/ProgramServiceRevenueGrp/Desc3GAIN ON DISPOSAL OF ASSETS
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IRS990/PYOtherRevenueAmt0167682
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IRS990/PYRevenuesLessExpensesAmt03186579
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IRS990ScheduleD/EquipmentGrp/BookValueAmt0427170
IRS990ScheduleD/EquipmentGrp/DepreciationAmt02163311
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt02590481
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IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt12325000
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IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt32300055
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc0FEDERAL AGENCY SECURITIES
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc1COMMERCIAL BANKS AND CUS
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc2FEDERAL HOME LOAN BANK
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc3NCUSIF DEPOSIT
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IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER DEPOSITS
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IRS990ScheduleD/TotalBookValueOtherAssetsAmt013878986
IRS990ScheduleD/TotalBookValueProgramRltdAmt026016376
IRS990ScheduleD/TotalLiabilityAmt0242743294
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IRS990ScheduleI/GrantsOtherAsstToIndivInUSGrp/GrantTypeTxt0SCHOLARSHIPS
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IRS990ScheduleJ/CompBsdNetEarnsFlngOrgInd0false
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IRS990ScheduleJ/CompensationCommitteeInd0X
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IRS990ScheduleJ/SubstantiationRequiredInd0true
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd0false
IRS990ScheduleJ/TravelForCompanionsInd0X
IRS990ScheduleJ/WrittenEmploymentContractInd0X
IRS990ScheduleJ/WrittenPolicyRefTAndEExpnssInd0true
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0CCATCU IS A STATE CHARTERED CREDIT UNION COMPRISED OF OWNERMEMBERS. THESE MEMBERS HOLD ANNUAL MEETINGS AT WHICH TIME THE MEMBERS ELECT THE BOARD OF DIRECTORS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1A COPY OF THE FORM 990 IS PROVIDED TO EACH DIRECTOR FOR REVIEW. AFTER REVIEW AND DISCUSSION THE FORM IS APPROVED FOR REMITTANCE TO THE IRS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2OFFICIALS SIGN A CODE OF CONDUCT CODE OF ETHICS TERMS OF AGREEMENT ANNUALLY. THEY ARE NOT REQUIRED TO DISCLOSE ANY POSSIBLE CONFLICTS OF INTEREST HOWEVER WHEN THERE IS AN APPARENT CONFLICT THE AFFECTED OFFICIAL ABSTAINS FROM VOTING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3THE BOARD OF DIRECTORS APPOINTS AN ADMINISTRATIVE COMMITTEE WHO REVIEWS ANNUALLY THE COMPENSATION LEVELS OF ALL KEY EMPLOYEES PRIOR TO APPROVAL BY THE ENTIRE BOARD. A WRITTEN EMPLOYMENT CONTRACT ALSO EXISTS FOR THE PRESIDENTCEO AND IT IS REVIEWED ANNUALLY DURING THIS PROCESS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4FINANCIAL STATEMENTS ARE POSTED MONTHLY IN EACH CREDIT UNION OFFICE AND THE ANNUAL REPORTS ARE AVAILABLE ON THE WEBSITE. THE GOVERNANCE DOCUMENTS BASED ON THE TEXAS ADMINISTRATIVE CODE AND BOARD OF DIRECTOR POLICY ARE AVAILABLE UPON MEMBER REQUEST. A DISCLOSURE IS REQUIRED TO BE POSTED ON THE WEBSITE AND IN THE NEWSLETTER TWICE A YEAR INFORMING THE MEMBERS THAT CERTAIN DOCUMENTS ARE AVAILABLE FOR MEMBER REVIEW.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5CCATCU HAS A DEFINED BENEFIT RETIREMENT PROGRAM FOR STAFF. FOR THE YEAR 2013 THERE WAS AN ADJUSTMENT TO COMPREHENSIVE INCOME.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990 PART VI SECTION A 6-7
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990 PART VI SECTION B 11A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990 PART VI SECTION B 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990 PART VI SECTION B 15A-15B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990 PART VI SECTION C 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990 PART XI LINE 9
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IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt014351056
IRS990/TotalGrossUBIAmt0130387

Document Assets

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Filings

Displayed year

2013 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$271,876,216
Liabilities
$244,459,153
Net assets
$27,417,063
Revenue
$15,182,986
Expenses
$14,351,056
Net income
$831,930
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$496$446$49.9$29.3$29.5$0.20
2023Summary only. Only limited summary data is available for this year.$479$431$48.3$26.1$23.4$2.67
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$490$443$46.8$23.0$17.9$5.17
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$459$407$52.4$21.7$15.9$5.72
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$409$365$43.9$21.9$16.9$5.04
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$354$316$37.9$21.8$16.8$4.98
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$312$281$31.3$18.1$14.6$3.49
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$298$270$28.0$17.1$15.5$1.62
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$284$257$26.1$17.1$15.6$1.48
2015Detailed filing. Detailed filing data is available for this year.$283$258$25.0$15.0$15.7$0.69
2014Detailed filing. Detailed filing data is available for this year.$281$254$26.4$14.2$14.0$0.19
2013Detailed filing. Detailed filing data is available for this year.$272$244$27.4$15.2$14.4$0.83
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$245$220$25.4$11.8
2011Summary only. Only limited summary data is available for this year.$213$190$22.3$12.9$10.8$2.13
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$187$165$21.5$10.5