Civic Intelligence

Coburn Credit Union

990 • Fiscal year 2015 • EIN 74-6053874

Jan 01, 2015 to Dec 31, 2015 • Filed on May 10, 2016

Organization Profilewww.coburncu.com
390 Park Street Suite 100Beaumont, TX 77701

(409) 838-9957

Siviq Scores

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

Liabilities / Assets

62nd percentile

0.87x

Higher debt load relative to assets than 62% of similar nonprofits.

2015 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2015

Liabilities / Revenue

80th percentile

26.37x

Higher debt load relative to revenue than 80% of similar nonprofits.

2015 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2015

Net Margin

96th percentile

26%

Higher net margin than 96% of similar nonprofits.

2015 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2015

Top Officer Pay

21st percentile

$27,537

Higher top officer pay than 21% of similar nonprofits.

Top officer pay equals 11.3% of source-year revenue.

2015 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2015

Asset Growth

83rd percentile

7.4%

Faster asset growth than 83% of similar nonprofits.

2015 filings • 501(c)14 • $5M-$10M nonprofits • Annualized from 2014 to 2015

Revenue Growth

36th percentile

-3.0%

Faster revenue growth than 36% of similar nonprofits.

2015 filings • 501(c)14 • $5M-$10M nonprofits • Annualized from 2014 to 2015

Balance Sheet
Liabilities / Assets62nd percentile

Assets

Up

$7,398,429

Up $506,814 (+7.4%) from 2014

Net Assets

Up

$965,572

Up $62,745 (+6.9%) from 2014

Liabilities

Up

$6,432,857

Up $444,069 (+7.4%) from 2014

Revenue And Expenses
Liabilities / Revenue80th percentileNet Margin96th percentile

Revenue

Down

$243,949

Down $7,466 (-3.0%) from 2014

Expenses

Down

$181,204

Down $23,944 (-12%) from 2014

Net Income

Up

$62,745

Up $16,478 (+36%) from 2014

Historical Trend

Balance Sheet Trend

Asset Growth83rd percentile

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

$8.0M$6.0M$4.0M$2.0M$0Assets 2011: $6,864,584Liabilities 2011: $6,166,593Net Assets 2011: $697,9912011Assets 2012: $7,009,173Liabilities 2012: $6,217,217Net Assets 2012: $791,9562012Assets 2013: $7,066,016Liabilities 2013: $6,209,455Net Assets 2013: $856,5612013Assets 2014: $6,891,615Liabilities 2014: $5,988,788Net Assets 2014: $902,8272014Assets 2015: $7,398,429Liabilities 2015: $6,432,857Net Assets 2015: $965,5722015Assets 2016: $7,784,256Liabilities 2016: $6,766,596Net Assets 2016: $1,017,6602016Assets 2017: $7,526,050Liabilities 2017: $6,483,684Net Assets 2017: $1,042,3662017Assets 2018: $7,801,230Liabilities 2018: $6,666,134Net Assets 2018: $1,135,0962018Assets 2019: $7,549,015Liabilities 2019: $6,288,135Net Assets 2019: $1,260,8802019Assets 2020: $7,347,722Liabilities 2020: $6,007,844Net Assets 2020: $1,339,8782020Assets 2021: $7,712,054Liabilities 2021: $6,362,446Net Assets 2021: $1,349,6082021Assets 2022: $7,576,649Liabilities 2022: $6,162,010Net Assets 2022: $1,414,6392022Assets 2023: $6,445,833Liabilities 2023: $4,959,898Net Assets 2023: $1,485,9352023Assets 2024: $5,792,048Liabilities 2024: $4,292,336Net Assets 2024: $1,499,7122024Assets 2025: $5,592,986Liabilities 2025: $4,145,377Net Assets 2025: $1,447,6092025

Highlighted filing

2015

Assets$7,398,429
Liabilities$6,432,857
Net Assets$965,572
Open 2015 Filing

Operations Trend

Revenue Growth36th percentile

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

$300K$200K$100K$0-$100KRevenue 2011: $265,304Expenses 2011: $183,379Net Income 2011: $81,9252011Revenue 2012: $251,456Expenses 2012: $157,489Net Income 2012: $93,9672012Revenue 2013: $251,169Expenses 2013: $186,564Net Income 2013: $64,6052013Revenue 2014: $251,415Expenses 2014: $205,148Net Income 2014: $46,2672014Revenue 2015: $243,949Expenses 2015: $181,204Net Income 2015: $62,7452015Revenue 2016: $250,828Expenses 2016: $198,740Net Income 2016: $52,0882016Revenue 2017: $248,816Expenses 2017: $224,110Net Income 2017: $24,7062017Revenue 2018: $262,090Expenses 2018: $169,360Net Income 2018: $92,7302018Revenue 2019: $281,871Expenses 2019: $156,087Net Income 2019: $125,7842019Revenue 2020: $262,228Expenses 2020: $183,230Net Income 2020: $78,9982020Revenue 2021: $219,487Expenses 2021: $209,757Net Income 2021: $9,7302021Revenue 2022: $220,750Expenses 2022: $155,719Net Income 2022: $65,0312022Revenue 2023: $270,175Expenses 2023: $198,879Net Income 2023: $71,2962023Revenue 2024: $277,631Expenses 2024: $263,854Net Income 2024: $13,7772024Revenue 2025: $247,312Expenses 2025: $299,415Net Income 2025: -$52,1032025

Highlighted filing

2015

Revenue$243,949
Expenses$181,204
Net Income$62,745
Open 2015 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2015 to Dec 31, 2015
Signed
May 10, 2016
Return Version
2015v2.1
Gross Receipts
$243,949
Mission and Program Overview

Mission

Promote savings and be a place of borrowing for coop

Savings Accounts Lending

Balance Sheet Detail
LineBeginningEndChange
Assets
Investments Other Securities$2,874,745$3,596,974▲ $722,229
Other Notes and Loans Receivable, Net$3,745,614$3,543,981▼ $201,633
Rtn Earn Endowment Incm Other Fnds$806,918$869,663▲ $62,745
Cash and Non-Interest-Bearing Accounts$247,182$241,564▼ $5,618
Cap Stk Tr Prin Current Funds$95,909$95,909→ $0
Prepaid Expenses and Deferred Charges$5,298$4,005▼ $1,293
Land, Buildings, and Equipment, Net$0--
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Loans From Officers Directors$0$0→ $0
Total Assets$6,891,615$7,398,429▲ $506,814
Other Assets Total$18,776$11,905▼ $6,871
Liabilities
Unsecured Notes Loans Payable$5,932,918$6,404,272▲ $471,354
Accounts Payable and Accrued Expenses$55,870$28,585▼ $27,285
Grants Payable$0$0→ $0
Mortgage Notes Payable Secured by Investment Property$0$0→ $0
Other Liabilities$0--
Deferred Revenue$0$0→ $0
Escrow Account Liability$0$0→ $0
Tax Exempt Bond Liabilities$0$0→ $0
Total Liabilities$5,988,788$6,432,857▲ $444,069
Net Assets / Fund Balance
Total Net Assets Fund Balance$902,827$965,572▲ $62,745
Total Liabilities and Net Assets / Fund Balance$6,891,615$7,398,429▲ $506,814

Asset Categories

AssetBook ValueDepreciationBasis
Financial Derivatives$3,596,974--
Compensation and Service Providers
Top Officer Pay21st percentile

Employees

NameTitleFull / Part TimeBaseTotal
Debra NormanManager CEOPT$27,537$27,537

Board Members and Trustees

NameTitle
Danny StPierreChairman
Marie BagleyVice Chairman
Bridget OBannionDirector
Clodile RomeroDirector
Paul BowersDirector
William V GeyserDirector
Tami LockardTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$211,206
Investment Income
$32,743
Other Revenue
$0
Change in Net Assets
$62,745
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$147,618
Salaries, Compensation, and Employee Benefits$33,586
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Interest---$73,287
Other Expenses---$31,200
Current Officers, Directors, Trustees, and Key Employees---$27,537
Office Expenses---$19,913
All Other Expenses---$11,130
Pension Plan Contributions---$3,900
Fees for Services Other---$3,800
Payroll Taxes---$2,149
Insurance---$1,774
Total Functional Expenses$0$0$0$181,204
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
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Loans from Officers, Directors, Trustees, and Key Employees$0$0→ $0
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
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
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

Form 990, Part VI, Section A, Line 6

“Members”

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

“Members elect officers to Board of Directors annually”

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

“Form is presented at board meeting”

Form 990, Part VI, Section C, Line 19

“Explanation of availability on own website and notice given at annual meeting”

Filing and Contact Details

Filer

Filer Name
Coburn Credit Union
EIN
74-6053874
Phone
4098389957
Address
390 Park Street Suite 100, Beaumont, TX 77701

Signing Officer

Name
Debra Norman
Title
Manager
Phone
4098389957
Signed
2016-05-10

Organization Details

Principal Officer
Debra Norman
Formed
2014
Legal Domicile
TX
Voting Board Members
8
Independent Board Members
0
Employees
1
Volunteers
7
Supplemental Narrative

Additional Explanations

Form 990, Part IX, Line 11G

“Annual Supervisory Audit”

Raw XML Appendix352 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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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1Members elect officers to Board of Directors annually
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2Form is presented at board meeting
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3Explanation of availability on own website and notice given at annual meeting
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4Annual Supervisory Audit
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 C, Line 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Form 990, Part IX, Line 11g
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/SubjectToProxyTaxInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondLiabilitiesGrp/BOYAmt00
IRS990/TaxExemptBondLiabilitiesGrp/EOYAmt00
IRS990/TaxExemptBondsInd00
IRS990/TempOrPermanentEndowmentsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt06891615
IRS990/TotalAssetsEOYAmt07398429
IRS990/TotalAssetsGrp/BOYAmt06891615
IRS990/TotalAssetsGrp/EOYAmt07398429
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalContributionsAmt00
IRS990/TotalEmployeeCnt01
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt0181204
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt05988788
IRS990/TotalLiabilitiesEOYAmt06432857
IRS990/TotalLiabilitiesGrp/BOYAmt05988788
IRS990/TotalLiabilitiesGrp/EOYAmt06432857
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt0902827
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt0965572
IRS990/TotalOtherCompensationAmt00
IRS990/TotalOtherProgSrvcExpenseAmt00
IRS990/TotalOtherProgSrvcGrantAmt00
IRS990/TotalOtherProgSrvcRevenueAmt00
IRS990/TotalOthProgramServiceRevGrp/ExclusionAmt00
IRS990/TotalOthProgramServiceRevGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/TotalOthProgramServiceRevGrp/TotalRevenueColumnAmt00
IRS990/TotalOthProgramServiceRevGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalProgramServiceExpensesAmt00
IRS990/TotalProgramServiceRevenueAmt0211206
IRS990/TotalReportableCompFromOrgAmt027537
IRS990/TotalRevenueGrp/ExclusionAmt0243949
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0243949
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt07
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt06891615
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt07398429
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd00
IRS990/UnsecuredNotesLoansPayableGrp/BOYAmt05932918
IRS990/UnsecuredNotesLoansPayableGrp/EOYAmt06404272
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt05229 Harmon Rd
IRS990/USAddress/CityNm0Orange
IRS990/USAddress/StateAbbreviationCd0TX
IRS990/USAddress/ZIPCd077630
IRS990/VotingMembersGoverningBodyCnt08
IRS990/VotingMembersIndependentCnt00
IRS990/WebsiteAddressTxt0www.coburncu.com
IRS990/WhistleblowerPolicyInd00
ReturnHeader/BuildTS02016-09-27 15:27:22Z
ReturnHeader/BusinessOfficerGrp/PersonNm0Debra Norman
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0Manager
ReturnHeader/BusinessOfficerGrp/PhoneNum04098389957
ReturnHeader/BusinessOfficerGrp/SignatureDt02016-05-10
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0Coburn Credit Union
ReturnHeader/Filer/BusinessNameControlTxt0COBU
ReturnHeader/Filer/EIN0746053874
ReturnHeader/Filer/PhoneNum04098389957
ReturnHeader/Filer/USAddress/AddressLine1Txt0390 Park Street Suite 100
ReturnHeader/Filer/USAddress/CityNm0Beaumont
ReturnHeader/Filer/USAddress/StateAbbreviationCd0TX
ReturnHeader/Filer/USAddress/ZIPCd077701
ReturnHeader/ReturnTs02016-05-09T13:10:02-07:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02015-01-01
ReturnHeader/TaxPeriodEndDt02015-12-31
ReturnHeader/TaxYr02015

Document Assets

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Filings

Displayed year

2015 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$7,398,429
Liabilities
$6,432,857
Net assets
$965,572
Revenue
$243,949
Expenses
$181,204
Net income
$62,745
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2025Detailed filing. Detailed filing data is available for this year.$5.59$4.15$1.45$0.25$0.30$0.05
2024Detailed filing. Detailed filing data is available for this year.$5.79$4.29$1.50$0.28$0.26$0.01
2023Detailed filing. Detailed filing data is available for this year.$6.45$4.96$1.49$0.27$0.20$0.07
2022Detailed filing. Detailed filing data is available for this year.$7.58$6.16$1.41$0.22$0.16$0.07
2021Detailed filing. Detailed filing data is available for this year.$7.71$6.36$1.35$0.22$0.21$0.01
2020Detailed filing. Detailed filing data is available for this year.$7.35$6.01$1.34$0.26$0.18$0.08
2019Detailed filing. Detailed filing data is available for this year.$7.55$6.29$1.26$0.28$0.16$0.13
2018Detailed filing. Detailed filing data is available for this year.$7.80$6.67$1.14$0.26$0.17$0.09
2017Detailed filing. Detailed filing data is available for this year.$7.53$6.48$1.04$0.25$0.22$0.02
2016Detailed filing. Detailed filing data is available for this year.$7.78$6.77$1.02$0.25$0.20$0.05
2015Detailed filing. Detailed filing data is available for this year.$7.40$6.43$0.97$0.24$0.18$0.06
2014Detailed filing. Detailed filing data is available for this year.$6.89$5.99$0.90$0.25$0.21$0.05
2013Summary only. Only limited summary data is available for this year.$7.07$6.21$0.86$0.25$0.19$0.06
2012Summary only. Only limited summary data is available for this year.$7.01$6.22$0.79$0.25$0.16$0.09
2011Summary only. Only limited summary data is available for this year.$6.86$6.17$0.70$0.27$0.18$0.08