Civic Intelligence

Lubrizol Employees Credit Union

EIN 74-6047884 • 501(c)14 • Deer Park, TX

View Organization Page

Profile

Our mission is to provide high quality, diversified financial services at competitive prices that meet the needs of our members. Our vision is to be the Best "little" Credit Union in Texas by offering competitive products and services through state of the art delivery channels while maintaining a sound financial position and providing personalized services to our members.

PO Box 158Deer Park, TX 77536

www.lzecu.org

Siviq Scores

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

Liabilities / Assets

3rd percentile

0.01x

Higher debt load relative to assets than 3% of similar nonprofits.

501(c)14 • $50M-$100M nonprofits • Source year 2024

Liabilities / Revenue

4th percentile

0.11x

Higher debt load relative to revenue than 4% of similar nonprofits.

501(c)14 • $50M-$100M nonprofits • Source year 2024

Net Margin

80th percentile

23%

Higher net margin than 80% of similar nonprofits.

501(c)14 • $50M-$100M nonprofits • Source year 2024

Top Officer Pay

78th percentile

$209,929

Higher top officer pay than 78% of similar nonprofits.

Top officer pay equals 8.1% of source-year revenue.

501(c)14 • $50M-$100M nonprofits • Source year 2024

Asset Growth

12th percentile

-3.8%

Faster asset growth than 12% of similar nonprofits.

501(c)14 • $50M-$100M nonprofits • Annualized from 2023 to 2024

Revenue Growth

51st percentile

10%

Faster revenue growth than 51% of similar nonprofits.

501(c)14 • $50M-$100M nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets3rd percentile

Assets

Down

$51,316,279

Down $2,039,705 (-3.8%) from 2023

Liabilities

Down

$288,915

Down $98,491 (-25%) from 2023

Net Assets

Down

$51,027,364

Down $1,941,214 (-3.7%) from 2023

Operations
Liabilities / Revenue4th percentileNet Margin80th percentile

Revenue

Up

$2,605,838

Up $242,250 (+10%) from 2023

Expenses

Up

$2,016,303

Up $182,014 (+9.9%) from 2023

Net Income

Up

$589,535

Up $60,236 (+11%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth12th percentile

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

$60M$40M$20M$0Assets 2010: $30,605,571Liabilities 2010: $449,978Net Assets 2010: $30,155,5932010Assets 2011: $32,970,829Liabilities 2011: $296,953Net Assets 2011: $32,673,8762011Assets 2012: $35,052,681Liabilities 2012: $191,343Net Assets 2012: $34,861,3382012Assets 2013: $36,303,476Liabilities 2013: $375,992Net Assets 2013: $35,927,4842013Assets 2014: $38,304,880Liabilities 2014: $308,686Net Assets 2014: $37,996,1942014Assets 2015: $40,396,925Liabilities 2015: $392,402Net Assets 2015: $40,004,5232015Assets 2016: $43,431,117Liabilities 2016: $546,404Net Assets 2016: $42,884,7132016Assets 2017: $45,296,723Liabilities 2017: $232,561Net Assets 2017: $45,064,1622017Assets 2018: $45,896,350Liabilities 2018: $266,194Net Assets 2018: $45,630,1562018Assets 2019: $45,893,954Liabilities 2019: $471,599Net Assets 2019: $45,422,3552019Assets 2020: $51,277,161Liabilities 2020: $342,371Net Assets 2020: $50,934,7902020Assets 2021: $53,504,722Liabilities 2021: $246,093Net Assets 2021: $53,258,6292021Assets 2022: $54,378,340Liabilities 2022: $91,892Net Assets 2022: $54,286,4482022Assets 2023: $53,355,984Liabilities 2023: $387,406Net Assets 2023: $52,968,5782023Assets 2024: $51,316,279Liabilities 2024: $288,915Net Assets 2024: $51,027,3642024

Highlighted filing

2024

Assets$51,316,279
Liabilities$288,915
Net Assets$51,027,364
Open 2024 Filing

Operations Trend

Revenue Growth51st percentile

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

$3.0M$2.0M$1.0M$0Expenses 2010: $1,547,4332010Expenses 2011: $1,146,7772011Expenses 2012: $1,174,1782012Revenue 2013: $1,299,105Expenses 2013: $1,187,801Net Income 2013: $111,3042013Revenue 2014: $1,373,401Expenses 2014: $1,254,333Net Income 2014: $119,0682014Revenue 2015: $1,477,332Expenses 2015: $1,352,042Net Income 2015: $125,2902015Revenue 2016: $1,612,947Expenses 2016: $1,466,513Net Income 2016: $146,4342016Revenue 2017: $1,683,293Expenses 2017: $1,458,435Net Income 2017: $224,8582017Revenue 2018: $1,893,087Expenses 2018: $1,551,962Net Income 2018: $341,1252018Revenue 2019: $2,052,921Expenses 2019: $1,628,155Net Income 2019: $424,7662019Revenue 2020: $2,069,162Expenses 2020: $1,461,145Net Income 2020: $608,0172020Revenue 2021: $1,969,551Expenses 2021: $1,370,299Net Income 2021: $599,2522021Revenue 2022: $1,955,515Expenses 2022: $1,506,212Net Income 2022: $449,3032022Revenue 2023: $2,363,588Expenses 2023: $1,834,289Net Income 2023: $529,2992023Revenue 2024: $2,605,838Expenses 2024: $2,016,303Net Income 2024: $589,5352024

Highlighted filing

2024

Revenue$2,605,838
Expenses$2,016,303
Net Income$589,535
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
$51,316,279
Liabilities
$288,915
Net assets
$51,027,364
Revenue
$2,605,838
Expenses
$2,016,303
Net income
$589,535
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$51.3$0.29$51.0$2.61$2.02$0.59
2023Summary only. Only limited summary data is available for this year.$53.4$0.39$53.0$2.36$1.83$0.53
2022Summary only. Only limited summary data is available for this year.$54.4$0.09$54.3$1.96$1.51$0.45
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$53.5$0.25$53.3$1.97$1.37$0.60
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$51.3$0.34$50.9$2.07$1.46$0.61
2019Facts available. Structured filing facts are available, but richer extracted sections are limited.$45.9$0.47$45.4$2.05$1.63$0.42
2018Facts available. Structured filing facts are available, but richer extracted sections are limited.$45.9$0.27$45.6$1.89$1.55$0.34
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$45.3$0.23$45.1$1.68$1.46$0.22
2016Facts available. Structured filing facts are available, but richer extracted sections are limited.$43.4$0.55$42.9$1.61$1.47$0.15
2015Summary only. Only limited summary data is available for this year.$40.4$0.39$40.0$1.48$1.35$0.13
2014Detailed filing. Detailed filing data is available for this year.$38.3$0.31$38.0$1.37$1.25$0.12
2013Detailed filing. Detailed filing data is available for this year.$36.3$0.38$35.9$1.30$1.19$0.11
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$35.1$0.19$34.9$1.17
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$33.0$0.30$32.7$1.15
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$30.6$0.45$30.2$1.55
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Aug 7, 2025
Return Version
2024v5.0
Gross Receipts
$2,605,838
Mission and Program Overview

Mission

Our mission is to provide high quality, diversified financial services at competitive prices that meet the needs of our members. Our vision is to be the Best "little" Credit Union in Texas by offering competitive products and services through state of the art delivery channels while maintaining a sound financial position and providing personalized services to our members.

Lubrizol Employees' Credit Union is a cooperative thrift institution regulated by the Texas Credit Union Department. We offer products and services in three primary areas: share accounts, checking accounts, and consumer loans.

Balance Sheet Detail
LineBeginningEndChange
Assets
Cap Stk Tr Prin Current Funds$44,479,714$41,959,742▼ $2,519,972
Other Notes and Loans Receivable, Net$25,812,024$24,648,994▼ $1,163,030
Investments Other Securities$20,685,835$21,029,981▲ $344,146
Rtn Earn Endowment Incm Other Fnds$8,488,864$9,067,622▲ $578,758
Land, Buildings, and Equipment, Net$3,015,281$2,922,834▼ $92,447
Savings and Temporary Cash Investments$2,025,460$935,273▼ $1,090,187
Cash and Non-Interest-Bearing Accounts$388,050$477,514▲ $89,464
Prepaid Expenses and Deferred Charges$58,187$93,687▲ $35,500
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Total Assets$53,355,984$51,316,279▼ $2,039,705
Other Assets Total$1,371,147$1,207,996▼ $163,151
Liabilities
Accounts Payable and Accrued Expenses$387,406$288,915▼ $98,491
Total Liabilities$387,406$288,915▼ $98,491
Net Assets / Fund Balance
Total Net Assets Fund Balance$52,968,578$51,027,364▼ $1,941,214
Total Liabilities and Net Assets / Fund Balance$53,355,984$51,316,279▼ $2,039,705

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$2,550,440$113,002$2,663,442
Equipment$327,394$170,944$498,338
Land$45,000-$45,000
Other Land Buildings$0$0$0
Leasehold Improvements$0$0$0
Other Securities$5,814,000--
Compensation and Service Providers
Top Officer Pay78th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Rosaura FloresPresident/CEOFT$177,352$32,577$209,929

Board Members and Trustees

NameTitle
Richard MillerChairman
Gregory Heath JonesSupervisory Committee Chairman
Waynisha EdwardsSupervisory Committee Chairman
Daniel KoonsVice Chairman
Gabe AguilarDirector
Gary AldrichDirector
Greg DrummondDirector
Delinda DuttonSecretary
AJ PickleSupervisory Committee Member
Joseph MorrisTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$1,783,987
Investment Income
$821,851
Other Revenue
$0
Change in Net Assets
$589,535
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$981,073
Salaries, Compensation, and Employee Benefits$762,818
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages-$400,160-$400,160
Benefits to Members$272,412--$272,412
Current Officers, Directors, Trustees, and Key Employees-$177,352-$177,352
Office Expenses-$136,615-$136,615
Payments to Affiliates-$136,114-$136,114
Occupancy-$113,793-$113,793
Other Employee Benefits-$89,472-$89,472
Information Technology-$87,652-$87,652
Travel-$57,871-$57,871
Pension Plan Contributions-$51,145-$51,145
All Other Expenses$0$47,923$0$47,923
Payroll Taxes-$44,689-$44,689
Advertising$19,036--$19,036
Conferences and Meetings-$11,257-$11,257
Fees for Services Legal$416--$416
Total Functional Expenses$380,223$1,636,080$0$2,016,303
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
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
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

“We have members who elect the Board of Directors.”

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

“We hold an annual meeting of members to elect open board of director positions. All credit union members age 16 and older have one vote in election.”

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

“A copy of Form 990 is provided to each member of the board of directors at the monthly board meeting for their approval.”

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

“As a small organization, we rely on open communication and immediately address any conflicts.”

Form 990, Part VI, Section B, Line 15

“The board of directors utilized the compensation survey obtained from Cornerstone Credit Union League as one aspect in determining compensation for the President/CEO. Decisions are documented in signed minutes of the meeting(s).”

Form 990, Part VI, Section C, Line 19

“Our governing documents and conflicts of interest policy are available to our members upon request. Financial Statements are posted in our lobby monthly.”

Filing and Contact Details

Filer

Filer Name
Lubrizol Employees Credit Union
EIN
74-6047884
Phone
2814796651
Address
PO Box 158, Deer Park, TX 77536

Signing Officer

Name
Julia Tibbals
Title
Accounting Manager
Phone
2814796651
Signed
2025-08-07

Organization Details

Principal Officer
Rosaura Flores
Formed
1953
Legal Domicile
TX
Voting Board Members
7
Independent Board Members
7
Employees
8
Volunteers
10
Supplemental Narrative

Additional Explanations

Form 990, Part XI, Line 9

“The decrease in our net assets is due to a decrease in member shares/savings.”

Raw XML AppendixShowing 400 of 475 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/BOYAmt0387406
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt0288915
IRS990/AcctCompileOrReviewBasisGrp/SeparateBasisFinclStmtInd0X
IRS990/ActivitiesConductedPrtshpInd00
IRS990/ActivityOrMissionDesc0Lubrizol Employees' Credit Union is a cooperative thrift institution regulated by the Texas Credit Union Department. We offer products and services in three primary areas: share accounts, checking accounts, and consumer loans.
IRS990/AdvertisingGrp/ProgramServicesAmt019036
IRS990/AdvertisingGrp/TotalAmt019036
IRS990/AllOtherExpensesGrp/FundraisingAmt00
IRS990/AllOtherExpensesGrp/ManagementAndGeneralAmt047923
IRS990/AllOtherExpensesGrp/ProgramServicesAmt00
IRS990/AllOtherExpensesGrp/TotalAmt047923
IRS990/AnnualDisclosureCoveredPrsnInd01
IRS990/AuditCommitteeInd01
IRS990/BackupWthldComplianceInd01
IRS990/BenefitsToMembersGrp/ProgramServicesAmt0272412
IRS990/BenefitsToMembersGrp/TotalAmt0272412
IRS990/BooksInCareOfDetail/BusinessName/BusinessNameLine1Txt0Lubrizol Employees' Credit Union
IRS990/BooksInCareOfDetail/PhoneNum02814796651
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt0PO Box 158
IRS990/BooksInCareOfDetail/USAddress/CityNm0Deer Park
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0TX
IRS990/BooksInCareOfDetail/USAddress/ZIPCd077536
IRS990/BusinessRlnWith35CtrlEntInd00
IRS990/BusinessRlnWithFamMemInd00
IRS990/BusinessRlnWithOrgMemInd00
IRS990/CapStkTrPrinCurrentFundsGrp/BOYAmt044479714
IRS990/CapStkTrPrinCurrentFundsGrp/EOYAmt041959742
IRS990/CashNonInterestBearingGrp/BOYAmt0388050
IRS990/CashNonInterestBearingGrp/EOYAmt0477514
IRS990/ChangeToOrgDocumentsInd00
IRS990/CntrctRcvdGreaterThan100KCnt01
IRS990/CollectionsOfArtInd00
IRS990/CompCurrentOfcrDirectorsGrp/ManagementAndGeneralAmt0177352
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt0177352
IRS990/CompensationFromOtherSrcsInd00
IRS990/CompensationProcessCEOInd01
IRS990/CompensationProcessOtherInd01
IRS990/ConferencesMeetingsGrp/ManagementAndGeneralAmt011257
IRS990/ConferencesMeetingsGrp/TotalAmt011257
IRS990/ConflictOfInterestPolicyInd01
IRS990/ConservationEasementsInd00
IRS990/ConsolidatedAuditFinclStmtInd00
IRS990/CreditCounselingInd00
IRS990/CYBenefitsPaidToMembersAmt0272412
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt0821851
IRS990/CYOtherExpensesAmt0981073
IRS990/CYOtherRevenueAmt00
IRS990/CYProgramServiceRevenueAmt01783987
IRS990/CYRevenuesLessExpensesAmt0589535
IRS990/CYSalariesCompEmpBnftPaidAmt0762818
IRS990/CYTotalExpensesAmt02016303
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt02605838
IRS990/DecisionsSubjectToApprovaInd00
IRS990/DeductibleArtContributionInd00
IRS990/DeductibleNonCashContriInd00
IRS990/DelegationOfMgmtDutiesInd00
IRS990/Desc0Share Accounts - Our share accounts offer advantages to members of all ages. The credit union had 3,411 member-owners as of 12/31/2024. Member share accounts offer competitive rates and pay dividends quarterly. In addition to our regular share accounts, we offer special share accounts designed for children, teenagers and young adults to encourage the development of consistent savings habits. Active members age 18 and over have $2,000 free AD&D insurance. We also offer various services at a free or low cost such as notary service, money orders and wire transfers.
IRS990/DescribedInSection501c3Ind00
IRS990/DisregardedEntityInd00
IRS990/DocumentRetentionPolicyInd01
IRS990/DonatedServicesAndUseFcltsAmt00
IRS990/DonorAdvisedFundInd00
IRS990/DonorRstrOrQuasiEndowmentsInd00
IRS990/ElectionOfBoardMembersInd01
IRS990/EmployeeCnt08
IRS990/EmploymentTaxReturnsFiledInd01
IRS990/ExpenseAmt0275895
IRS990/FamilyOrBusinessRlnInd00
IRS990/FederalGrantAuditRequiredInd00
IRS990/FeesForServicesLegalGrp/ProgramServicesAmt0416
IRS990/FeesForServicesLegalGrp/TotalAmt0416
IRS990/ForeignActivitiesInd00
IRS990/ForeignFinancialAccountInd00
IRS990/ForeignOfficeInd00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt050
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt10.50
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt20.50
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt30.5
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt40.5
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt50.50
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt60.5
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt70.50
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt80.25
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt90.25
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt100.25
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd1X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd2X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd3X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd4X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd5X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd6X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd7X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd8X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd9X
IRS990/Form990PartVIISectionAGrp/KeyEmployeeInd0X
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt032577
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt10
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt20
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt30
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt40
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt50
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt60
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt70
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt80
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt90
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt100
IRS990/Form990PartVIISectionAGrp/PersonNm0Rosaura Flores
IRS990/Form990PartVIISectionAGrp/PersonNm1Richard Miller
IRS990/Form990PartVIISectionAGrp/PersonNm2Daniel Koons
IRS990/Form990PartVIISectionAGrp/PersonNm3Joseph Morris
IRS990/Form990PartVIISectionAGrp/PersonNm4Delinda Dutton
IRS990/Form990PartVIISectionAGrp/PersonNm5Gary Aldrich
IRS990/Form990PartVIISectionAGrp/PersonNm6Gabe Aguilar
IRS990/Form990PartVIISectionAGrp/PersonNm7Greg Drummond
IRS990/Form990PartVIISectionAGrp/PersonNm8Waynisha Edwards
IRS990/Form990PartVIISectionAGrp/PersonNm9AJ Pickle
IRS990/Form990PartVIISectionAGrp/PersonNm10Gregory Heath Jones
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt0177352
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt90
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt100
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt90
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt100
IRS990/Form990PartVIISectionAGrp/TitleTxt0President/CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt1Chairman
IRS990/Form990PartVIISectionAGrp/TitleTxt2Vice Chairman
IRS990/Form990PartVIISectionAGrp/TitleTxt3Treasurer
IRS990/Form990PartVIISectionAGrp/TitleTxt4Secretary
IRS990/Form990PartVIISectionAGrp/TitleTxt5Director
IRS990/Form990PartVIISectionAGrp/TitleTxt6Director
IRS990/Form990PartVIISectionAGrp/TitleTxt7Director
IRS990/Form990PartVIISectionAGrp/TitleTxt8Supervisory Committee Chairman
IRS990/Form990PartVIISectionAGrp/TitleTxt9Supervisory Committee Member
IRS990/Form990PartVIISectionAGrp/TitleTxt10Supervisory Committee Chairman
IRS990/Form990ProvidedToGvrnBodyInd01
IRS990/Form990TFiledInd01
IRS990/FormationYr01953
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedBasisGrp/SeparateBasisFinclStmtInd0X
IRS990/FSAuditedInd01
IRS990/FundraisingActivitiesInd00
IRS990/GainOrLossGrp/OtherAmt00
IRS990/GainOrLossGrp/SecuritiesAmt00
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt07
IRS990/GrantAmt00
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossReceiptsAmt02605838
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd00
IRS990/IncmFromInvestBondProceedsGrp/ExclusionAmt00
IRS990/IncmFromInvestBondProceedsGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/IncmFromInvestBondProceedsGrp/TotalRevenueColumnAmt00
IRS990/IncmFromInvestBondProceedsGrp/UnrelatedBusinessRevenueAmt00
IRS990/IndependentAuditFinclStmtInd00
IRS990/IndependentVotingMemberCnt07
IRS990/IndivRcvdGreaterThan100KCnt01
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartXIInd0X
IRS990/InformationTechnologyGrp/ManagementAndGeneralAmt087652
IRS990/InformationTechnologyGrp/TotalAmt087652
IRS990/InvestmentExpenseAmt00
IRS990/InvestmentIncomeGrp/ExclusionAmt0821851
IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt0821851
IRS990/InvestmentIncomeGrp/UnrelatedBusinessRevenueAmt00
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt020685835
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt021029981
IRS990/IRPDocumentCnt02
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt0283946
IRS990/LandBldgEquipBasisNetGrp/BOYAmt03015281
IRS990/LandBldgEquipBasisNetGrp/EOYAmt02922834
IRS990/LandBldgEquipCostOrOtherBssAmt03206780
IRS990/LegalDomicileStateCd0TX
IRS990/LoanOutstandingInd00
IRS990/LocalChaptersInd00
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0Our mission is to build lifelong relationships through family friendly service and provide beneficial, progressive financial services. Our vision is to be the financial services provider of choice, enriching the lives of our members and employees.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/NetAssetsOrFundBalancesBOYAmt052968578
IRS990/NetAssetsOrFundBalancesEOYAmt051027364
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NetUnrlzdGainsLossesInvstAmt00
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/ManagementAndGeneralAmt0113793
IRS990/OccupancyGrp/TotalAmt0113793
IRS990/OfficeExpensesGrp/ManagementAndGeneralAmt0136615
IRS990/OfficeExpensesGrp/TotalAmt0136615
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt01371147
IRS990/OtherAssetsTotalGrp/EOYAmt01207996
IRS990/OtherChangesInNetAssetsAmt0-2530749
IRS990/OtherEmployeeBenefitsGrp/ManagementAndGeneralAmt089472
IRS990/OtherEmployeeBenefitsGrp/TotalAmt089472
IRS990/OtherExpensesGrp/Desc0Provision for Loan Loss
IRS990/OtherExpensesGrp/Desc1Loan Servicing
IRS990/OtherExpensesGrp/Desc2Professional and Outside Services
IRS990/OtherExpensesGrp/Desc3Gain(Loss) on Disposal of Assets
IRS990/OtherExpensesGrp/FundraisingAmt00
IRS990/OtherExpensesGrp/FundraisingAmt10
IRS990/OtherExpensesGrp/FundraisingAmt20
IRS990/OtherExpensesGrp/FundraisingAmt30
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt00
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt10
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt2282037
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt30
IRS990/OtherExpensesGrp/ProgramServicesAmt024289
IRS990/OtherExpensesGrp/ProgramServicesAmt164070
IRS990/OtherExpensesGrp/ProgramServicesAmt20
IRS990/OtherExpensesGrp/ProgramServicesAmt30
IRS990/OtherExpensesGrp/TotalAmt024289
IRS990/OtherExpensesGrp/TotalAmt164070
IRS990/OtherExpensesGrp/TotalAmt2282037
IRS990/OtherExpensesGrp/TotalAmt30
IRS990/OtherOrganizationDsc0Credit Union
IRS990/OtherRevenueTotalAmt00
IRS990/OtherSalariesAndWagesGrp/ManagementAndGeneralAmt0400160
IRS990/OtherSalariesAndWagesGrp/TotalAmt0400160
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt025812024
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt024648994
IRS990/PartialLiquidationInd00
IRS990/PaymentsToAffiliatesGrp/ManagementAndGeneralAmt0136114
IRS990/PaymentsToAffiliatesGrp/TotalAmt0136114
IRS990/PayrollTaxesGrp/ManagementAndGeneralAmt044689
IRS990/PayrollTaxesGrp/TotalAmt044689
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/ManagementAndGeneralAmt051145
IRS990/PensionPlanContributionsGrp/TotalAmt051145
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt058187
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt093687
IRS990/PrincipalOfficerNm0Rosaura Flores
IRS990/PriorPeriodAdjustmentsAmt00
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522130
IRS990/ProgramServiceRevenueGrp/BusinessCd1522130
IRS990/ProgramServiceRevenueGrp/BusinessCd2522130
IRS990/ProgramServiceRevenueGrp/Desc0Interest on Loans
IRS990/ProgramServiceRevenueGrp/Desc1Fee Income
IRS990/ProgramServiceRevenueGrp/Desc2Other Operating Income
IRS990/ProgramServiceRevenueGrp/ExclusionAmt00
IRS990/ProgramServiceRevenueGrp/ExclusionAmt10
IRS990/ProgramServiceRevenueGrp/ExclusionAmt20
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt01444176
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt1304267
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt234092
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt01444176
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1305719
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt234092
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt11452
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt20
IRS990/ProgSrvcAccomActy2Grp/Desc0Checking Accounts - We offer free checking accounts to our members. Features include Visa Check Card, mobile deposit, overdraft protection, online account access, audio response teller, bill pay and worldwide ATM access. There is no monthly service charge and dividends pay monthly.
IRS990/ProgSrvcAccomActy2Grp/ExpenseAmt015144
IRS990/ProgSrvcAccomActy3Grp/Desc0Consumer Loans - We offer flexible terms and low rates on all types of loans for our members. These include vehicle loans, home equity loans, signature loans and credit card. We offer Auto Buying Center to provide resources for members in the purchase of a new or used vehicle.
IRS990/ProgSrvcAccomActy3Grp/ExpenseAmt089184
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt0224164
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt0694290
IRS990/PYOtherExpensesAmt0865550
IRS990/PYOtherRevenueAmt00
IRS990/PYProgramServiceRevenueAmt01669298
IRS990/PYRevenuesLessExpensesAmt0529299
IRS990/PYSalariesCompEmpBnftPaidAmt0744575
IRS990/PYTotalExpensesAmt01834289
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt02363588
IRS990/ReconcilationRevenueExpnssAmt0589535
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/RentalIncomeOrLossGrp/PersonalAmt00
IRS990/RentalIncomeOrLossGrp/RealAmt00
IRS990/ReportInvestmentsOtherSecInd01
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd00
IRS990/ReportProgramRelatedInvstInd00
IRS990/RevenueAmt00
IRS990/RoyaltiesRevenueGrp/ExclusionAmt00
IRS990/RoyaltiesRevenueGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
IRS990/RoyaltiesRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt08488864
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt09067622
IRS990/SavingsAndTempCashInvstGrp/BOYAmt02025460
IRS990/SavingsAndTempCashInvstGrp/EOYAmt0935273
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt02550440
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0113002
IRS990ScheduleD/BuildingsGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt02663442
IRS990ScheduleD/EquipmentGrp/BookValueAmt0327394
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0170944
IRS990ScheduleD/EquipmentGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt0498338
IRS990ScheduleD/LandGrp/BookValueAmt045000
IRS990ScheduleD/LandGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt045000
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt013434000
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt11741000
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt240981
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt35814000
IRS990ScheduleD/OtherSecuritiesGrp/Desc0Bank,S&L's, Savings Banks
IRS990ScheduleD/OtherSecuritiesGrp/Desc1Credit Union
IRS990ScheduleD/OtherSecuritiesGrp/Desc2Corporate Credit Union (Perpetual Capital)
IRS990ScheduleD/OtherSecuritiesGrp/Desc3Held to Maturity
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd0C
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd1C
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd2C
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd3C
IRS990ScheduleD/TotalBookValueLandBuildingsAmt02922834
IRS990ScheduleD/TotalBookValueSecuritiesAmt021029981
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/CompensationSurveyInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd00
IRS990/ScheduleJRequiredInd01
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0177352
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount032577
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0Rosaura Flores
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0President/CEO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt0209929
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt00
IRS990ScheduleJ/SeverancePaymentInd00
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0We have members who elect the Board of Directors.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1We hold an annual meeting of members to elect open board of director positions. All credit union members age 16 and older have one vote in election.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2A copy of Form 990 is provided to each member of the board of directors at the monthly board meeting for their approval.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3As a small organization, we rely on open communication and immediately address any conflicts.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4The board of directors utilized the compensation survey obtained from Cornerstone Credit Union League as one aspect in determining compensation for the President/CEO. Decisions are documented in signed minutes of the meeting(s).
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5Our governing documents and conflicts of interest policy are available to our members upon request. Financial Statements are posted in our lobby monthly.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6The decrease in our net assets is due to a decrease in member shares/savings.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990, Part VI, Section A, Line 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990, Part VI, Section A, Line 7a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990, Part VI, Section B, Line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990, Part VI, Section B, Line 12c
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Form 990, Part VI, Section B, Line 15
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Form 990, Part VI, Section C, Line 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6Form 990, Part XI, Line 9
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/StatesWhereCopyOfReturnIsFldCd0TX
IRS990/SubjectToExcsTaxNetInvstIncInd00

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