Civic Intelligence

Coburn Credit Union

990 • Fiscal year 2017 • EIN 74-6053874

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

Organization Profilewww.coburncu.com
350 Pine St Suite 850Beaumont, TX 77701

(409) 838-9957

Siviq Scores

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

Liabilities / Assets

52nd percentile

0.86x

Higher debt load relative to assets than 52% of similar nonprofits.

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

Liabilities / Revenue

81st percentile

26.06x

Higher debt load relative to revenue than 81% of similar nonprofits.

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

Net Margin

76th percentile

9.9%

Higher net margin than 76% of similar nonprofits.

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

Top Officer Pay

22nd percentile

$27,863

Higher top officer pay than 22% of similar nonprofits.

Top officer pay equals 11.2% of source-year revenue.

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

Asset Growth

19th percentile

-3.3%

Faster asset growth than 19% of similar nonprofits.

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

Revenue Growth

33rd percentile

-0.8%

Faster revenue growth than 33% of similar nonprofits.

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

Balance Sheet
Liabilities / Assets52nd percentile

Assets

Down

$7,526,050

Down $258,206 (-3.3%) from 2016

Net Assets

Up

$1,042,366

Up $24,706 (+2.4%) from 2016

Liabilities

Down

$6,483,684

Down $282,912 (-4.2%) from 2016

Revenue And Expenses
Liabilities / Revenue81st percentileNet Margin76th percentile

Revenue

Down

$248,816

Down $2,012 (-0.8%) from 2016

Expenses

Up

$224,110

Up $25,370 (+13%) from 2016

Net Income

Down

$24,706

Down $27,382 (-53%) from 2016

Historical Trend

Balance Sheet Trend

Asset Growth19th 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

2017

Assets$7,526,050
Liabilities$6,483,684
Net Assets$1,042,366
Open 2017 Filing

Operations Trend

Revenue Growth33rd 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

2017

Revenue$248,816
Expenses$224,110
Net Income$24,706
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
$248,816
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$4,074,431$4,052,645▼ $21,786
Other Notes and Loans Receivable, Net$3,457,712$3,202,151▼ $255,561
Rtn Earn Endowment Incm Other Fnds$921,751$946,457▲ $24,706
Cash and Non-Interest-Bearing Accounts$227,828$245,704▲ $17,876
Cap Stk Tr Prin Current Funds$95,909$95,909→ $0
Prepaid Expenses and Deferred Charges$8,675$8,614▼ $61
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Loans From Officers Directors$0$0→ $0
Total Assets$7,784,256$7,526,050▼ $258,206
Other Assets Total$15,610$16,936▲ $1,326
Liabilities
Unsecured Notes Loans Payable$6,712,181$6,455,237▼ $256,944
Accounts Payable and Accrued Expenses$54,415$28,447▼ $25,968
Grants Payable$0$0→ $0
Deferred Revenue$0$0→ $0
Escrow Account Liability$0$0→ $0
Tax Exempt Bond Liabilities$0$0→ $0
Total Liabilities$6,766,596$6,483,684▼ $282,912
Net Assets / Fund Balance
Total Net Assets Fund Balance$1,017,660$1,042,366▲ $24,706
Total Liabilities and Net Assets / Fund Balance$7,784,256$7,526,050▼ $258,206

Asset Categories

AssetBook ValueDepreciationBasis
Closely Held Equity Interests$0--
Financial Derivatives$4,052,645--
Compensation and Service Providers
Top Officer Pay22nd percentile

Employees

NameTitleFull / Part TimeBaseTotal
Debra NormanManager CEOPT$27,863$27,863

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
$199,791
Investment Income
$49,025
Other Revenue
$0
Change in Net Assets
$24,706
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$190,161
Salaries, Compensation, and Employee Benefits$33,949
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Interest---$81,326
Other Expenses---$65,456
Current Officers, Directors, Trustees, and Key Employees---$27,863
Office Expenses---$19,279
All Other Expenses---$13,846
Fees for Services Other---$4,000
Pension Plan Contributions---$3,900
Payroll Taxes---$2,186
Total Functional Expenses$0$0$0$224,110
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
Yes
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

“Board of Directors is voted on by Credit Union Members”

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

“Board Members have the authority to appoint members which become vacant during the year”

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

“Copies emailed to all board members”

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
350 Pine St Suite 850, Beaumont, TX 77701

Signing Officer

Name
Debra Norman
Title
Manager
Phone
4098389957
Signed
2018-05-10

Organization Details

Principal Officer
Debra Norman
Formed
2014
Legal Domicile
TX
Voting Board Members
8
Independent Board Members
0
Employees
1
Volunteers
1
Raw XML Appendix359 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/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0Board of Directors is voted on by Credit Union Members
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1Board Members have the authority to appoint members which become vacant during the year
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2Copies emailed to all board members
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3Explanation of availability on own website and notice given at annual meeting
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
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/SubjectToProxyTaxInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondLiabilitiesGrp/BOYAmt00
IRS990/TaxExemptBondLiabilitiesGrp/EOYAmt00
IRS990/TaxExemptBondsInd00
IRS990/TempOrPermanentEndowmentsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt07784256
IRS990/TotalAssetsEOYAmt07526050
IRS990/TotalAssetsGrp/BOYAmt07784256
IRS990/TotalAssetsGrp/EOYAmt07526050
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalContributionsAmt00
IRS990/TotalEmployeeCnt01
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt0224110
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt06766596
IRS990/TotalLiabilitiesEOYAmt06483684
IRS990/TotalLiabilitiesGrp/BOYAmt06766596
IRS990/TotalLiabilitiesGrp/EOYAmt06483684
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt01017660
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt01042366
IRS990/TotalOtherCompensationAmt00
IRS990/TotalOtherProgSrvcExpenseAmt00
IRS990/TotalOtherProgSrvcGrantAmt00
IRS990/TotalOtherProgSrvcRevenueAmt00
IRS990/TotalOthProgramServiceRevGrp/ExclusionAmt00
IRS990/TotalOthProgramServiceRevGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/TotalOthProgramServiceRevGrp/TotalRevenueColumnAmt00
IRS990/TotalOthProgramServiceRevGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalProgramServiceExpensesAmt00
IRS990/TotalProgramServiceRevenueAmt0199791
IRS990/TotalReportableCompFromOrgAmt027863
IRS990/TotalRevenueGrp/ExclusionAmt0248816
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0248816
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt01
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt07784256
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt07526050
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd00
IRS990/UnsecuredNotesLoansPayableGrp/BOYAmt06712181
IRS990/UnsecuredNotesLoansPayableGrp/EOYAmt06455237
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/BuildTS02018-06-14 16:35:46Z
ReturnHeader/BusinessOfficerGrp/PersonNm0Debra Norman
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0Manager
ReturnHeader/BusinessOfficerGrp/PhoneNum04098389957
ReturnHeader/BusinessOfficerGrp/SignatureDt02018-05-10
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0Coburn Credit Union
ReturnHeader/Filer/BusinessNameControlTxt0COBU
ReturnHeader/Filer/EIN0746053874
ReturnHeader/Filer/PhoneNum04098389957
ReturnHeader/Filer/USAddress/AddressLine1Txt0350 Pine St Suite 850
ReturnHeader/Filer/USAddress/CityNm0Beaumont
ReturnHeader/Filer/USAddress/StateAbbreviationCd0TX
ReturnHeader/Filer/USAddress/ZIPCd077701
ReturnHeader/FilingSecurityInformation/IPAddress/IPv4AddressTxt098.6.57.98
ReturnHeader/ReturnTs02018-05-10T12:28:18-07:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02017-01-01
ReturnHeader/TaxPeriodEndDt02017-12-31
ReturnHeader/TaxYr02017

Document Assets

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Filings

Displayed year

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

Open filing
Assets
$7,526,050
Liabilities
$6,483,684
Net assets
$1,042,366
Revenue
$248,816
Expenses
$224,110
Net income
$24,706
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