Civic Intelligence

Capitol Credit Union

990 • Fiscal year 2010 • EIN 74-6054885

Jan 01, 2010 to Dec 31, 2010 • Filed on Mar 01, 2013

Organization ProfileWWW.CCUTX.ORG

View Organization Page

PO Box 14106978714-1069
Siviq Scores

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

Liabilities / Assets

97th percentile

0.94x

Higher debt load relative to assets than 97% of similar nonprofits.

2010 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2010

Liabilities / Revenue

Score unavailable

No value available

Liabilities-to-revenue requires both liabilities and revenue on this filing.

Source year 2010

Net Margin

Score unavailable

No value available

Net margin requires both revenue and expenses on this filing.

Source year 2010

Top Officer Pay

Score unavailable

No value available

This filing does not contain officer compensation rows.

Source year 2010

Asset Growth

Score unavailable

No value available

No earlier valid filing was available within the previous three public years.

Source year 2010

Revenue Growth

Score unavailable

No value available

No valid filing value is available for this score.

Balance Sheet
Liabilities / Assets97th percentile

Assets

$110,606,788

No earlier filing loaded for comparison.

Net Assets

$6,922,131

No earlier filing loaded for comparison.

Liabilities

$103,684,657

No earlier filing loaded for comparison.

Revenue And Expenses
Liabilities / RevenueScore unavailableNet MarginScore unavailable

Revenue

-

No earlier filing loaded for comparison.

Expenses

$6,592,520

No earlier filing loaded for comparison.

Net Income

-

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset GrowthScore unavailable

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

$300M$200M$100M$0Assets 2010: $110,606,788Liabilities 2010: $103,684,657Net Assets 2010: $6,922,1312010Assets 2011: $117,097,123Liabilities 2011: $109,824,777Net Assets 2011: $7,272,3462011Assets 2012: $122,466,267Liabilities 2012: $114,440,659Net Assets 2012: $8,025,6082012Assets 2013: $124,646,604Liabilities 2013: $116,955,600Net Assets 2013: $7,691,0042013Assets 2014: $118,662,470Liabilities 2014: $111,162,356Net Assets 2014: $7,500,1142014Assets 2015: $122,972,145Liabilities 2015: $115,260,776Net Assets 2015: $7,711,3692015Assets 2016: $124,368,319Liabilities 2016: $115,789,419Net Assets 2016: $8,578,9002016Assets 2017: $124,891,754Liabilities 2017: $115,701,676Net Assets 2017: $9,190,0782017Assets 2018: $132,012,984Liabilities 2018: $121,804,536Net Assets 2018: $10,208,4482018Assets 2019: $141,043,968Liabilities 2019: $129,342,977Net Assets 2019: $11,700,9912019Assets 2020: $176,043,251Liabilities 2020: $153,059,295Net Assets 2020: $22,983,9562020Assets 2021: $196,512,074Liabilities 2021: $172,859,744Net Assets 2021: $23,652,3302021Assets 2022: $213,093,379Liabilities 2022: $190,274,566Net Assets 2022: $22,818,8132022Assets 2023: $213,925,831Liabilities 2023: $190,475,521Net Assets 2023: $23,450,3102023Assets 2024: $218,553,127Liabilities 2024: $194,310,102Net Assets 2024: $24,243,0252024

Highlighted filing

2010

Assets$110,606,788
Liabilities$103,684,657
Net Assets$6,922,131
Open 2010 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$20M$15M$10M$5.0M$0-$5.0MExpenses 2010: $6,592,5202010Expenses 2011: $5,589,9492011Expenses 2012: $5,828,7172012Revenue 2013: $5,335,155Expenses 2013: $5,302,826Net Income 2013: $32,3292013Revenue 2014: $5,239,695Expenses 2014: $5,435,759Net Income 2014: -$196,0642014Revenue 2015: $5,035,029Expenses 2015: $4,526,694Net Income 2015: $508,3352015Revenue 2016: $5,264,063Expenses 2016: $4,513,635Net Income 2016: $750,4282016Revenue 2017: $5,725,217Expenses 2017: $5,006,178Net Income 2017: $719,0392017Revenue 2018: $6,467,894Expenses 2018: $5,372,001Net Income 2018: $1,095,8932018Revenue 2019: $7,308,526Expenses 2019: $6,161,023Net Income 2019: $1,147,5032019Revenue 2020: $17,431,883Expenses 2020: $6,438,121Net Income 2020: $10,993,7622020Revenue 2021: $8,234,644Expenses 2021: $7,057,956Net Income 2021: $1,176,6882021Revenue 2022: $9,538,813Expenses 2022: $7,861,224Net Income 2022: $1,677,5892022Revenue 2023: $10,144,109Expenses 2023: $9,289,864Net Income 2023: $854,2452023Revenue 2024: $12,049,549Expenses 2024: $11,287,502Net Income 2024: $762,0472024

Highlighted filing

2010

Revenue-
Expenses$6,592,520
Net Income-
Open 2010 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2010 to Dec 31, 2010
Signed
Mar 1, 2013
Return Version
2010v3.4
Gross Receipts
$7,642,295
Mission and Program Overview

Mission

Capitol credit union is a cooperative financial institution that is owned and controlled by its members and is operated for the purpose of promoting thrift and providing credit and other financial services to its members.

Major Activities

Activity 2
Certificate of deposit - capitol credit union offers certificates of deposit to its members with varying terms and rates. These instruments allow our members a savings alternative that pays higher dividends than a typical savings or demand account, but with no market risk exposure.
Activity 3
Money market accounts - capitol credit union offers money market accounts to its members. It pays a higher dividend than a typical savings or demand account if the minimum average monthly balance requirement is met, but with the capability of writing a limited number of checks.
Filing and Contact Details

Filer

EIN
74-6054885
Raw XML AppendixShowing 400 of 464 raw XML fields

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IRS990/Activity2/Description0CERTIFICATE OF DEPOSIT - CAPITOL CREDIT UNION OFFERS CERTIFICATES OF DEPOSIT TO ITS MEMBERS WITH VARYING TERMS AND RATES. THESE INSTRUMENTS ALLOW OUR MEMBERS A SAVINGS ALTERNATIVE THAT PAYS HIGHER DIVIDENDS THAN A TYPICAL SAVINGS OR DEMAND ACCOUNT, BUT WITH NO MARKET RISK EXPOSURE.
IRS990/Activity3/Description0MONEY MARKET ACCOUNTS - CAPITOL CREDIT UNION OFFERS MONEY MARKET ACCOUNTS TO ITS MEMBERS. IT PAYS A HIGHER DIVIDEND THAN A TYPICAL SAVINGS OR DEMAND ACCOUNT IF THE MINIMUM AVERAGE MONTHLY BALANCE REQUIREMENT IS MET, BUT WITH THE CAPABILITY OF WRITING A LIMITED NUMBER OF CHECKS.
IRS990/ActivityOrMissionDescription0CAPITOL CREDIT UNION IS A COOPERATIVE FINANCIAL INSTITUTION THAT IS OWNED AND CONTROLLED BY ITS MEMBERS AND IS OPERATED FOR THE PURPOSE OF PROMOTING THRIFT AND PROVIDING CREDIT AND OTHER FINANCIAL SERVICES TO ITS MEMBERS.
IRS990/ActivityOther/Description0REGULAR SHARE ACCOUNTS - CAPITOL CREDIT UNION PROVIDES SHARE ACCOUNTS TO ALL OF ITS MEMBER ACCOUNTS. REGULAR SHARES GET PAID A QUARTERLY DIVIDEND AT A RATE DECLARED BY THE BOARD OF DIRECTORS, AS LONG AS THE MINIMUM BALANCE REQUIREMENTS ARE MET. THESE ACCOUNTS CAN BE ACCESSED THROUGH ANY OF OUR 4 LOCAL AREA RETAIL BRANCHES OR THROUGH ONE OF 4,294 SHARED SERVICE CENTERS NATIONWIDE. ADDITIONAL ACCESS CAN BE ACHIEVED THROUGH INTERNET BANKING OR TELEPHONE. WITHDRAWALS CAN BE DONE THROUGH THE ATM NETWORK, OF WHICH OUR MEMBERS HAVE ACCESS TO OVER 250 SURCHARGE FREE ATM MACHINES.
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IRS990/Description0CONSUMER LOANS - CAPITOL CREDIT UNION PROVIDES A WIDE RANGE OF SECURED AND UNSECURED LOANS TO ITS MEMBERS FOR CONSUMABLE ITEMS, SUCH AS AUTOS, BOATS, MOTORCYCLES, RECREATIONAL VEHICLES, HOME EQUITY LOANS AND LINE-OF-CREDITS, SIGNATURE LOANS AND LINE-OF-CREDITS, AND SHARE OR SHARE CERTIFICATE SECURED LOANS. ADDITIONALLY, CREDIT LIFE AND DISABILITY ARE AVAILABLE ON THESE LOAN TYPES, GAP (GUARANTEED ASSET PROTECTION) AND MBI (MECHANICAL BREAKDOWN INSURANCE) ARE SOME PRODUCTS THAT ARE OFFERED ON SOME OF OUR SECURED LOANS.
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IRS990ScheduleD/Form990ScheduleDPartXIV/Explanation0A FIN 48 ANALYSIS HAS NOT BEEN COMPLETED FOR TAX YEAR ENDED 12/31/10.
IRS990ScheduleD/Form990ScheduleDPartXIV/Identifier0DESCRIPTION OF UNCERTAIN TAX POSITIONS UNDER FIN 48:
IRS990ScheduleD/Form990ScheduleDPartXIV/ReturnReference0PART X:
IRS990ScheduleD/Land/BookValue01508160
IRS990ScheduleD/Land/OtherCostOrOtherBasis01508160
IRS990ScheduleD/LeaseholdImprovements/BookValue00
IRS990ScheduleD/LeaseholdImprovements/Depreciation0171228
IRS990ScheduleD/LeaseholdImprovements/OtherCostOrOtherBasis0171228
IRS990ScheduleD/OtherLiabilities/Amount0102028725
IRS990ScheduleD/OtherLiabilities/Description0MEMBER DEPOSITS
IRS990ScheduleD/OtherSecurities/BookValue030045264
IRS990ScheduleD/OtherSecurities/BookValue112628247
IRS990ScheduleD/OtherSecurities/BookValue25771044
IRS990ScheduleD/OtherSecurities/Description0AVAILABLE FOR SALE SECURITIES
IRS990ScheduleD/OtherSecurities/Description1DEPOSITS IN CORPORATE CREDIT UNIONS
IRS990ScheduleD/OtherSecurities/Description2DEPOSITS IN OTHER FIN. INSTITUTIONS
IRS990ScheduleD/OtherSecurities/MethodOfValuation0F
IRS990ScheduleD/OtherSecurities/MethodOfValuation1C
IRS990ScheduleD/OtherSecurities/MethodOfValuation2C
IRS990ScheduleD/TotalOfAmounts0102028725
IRS990ScheduleD/TotalOfBookValueLandBuildings04106000
IRS990ScheduleD/TotalOfBookValueSecurities048444555
IRS990/ScheduleJRequired00
IRS990ScheduleO/GeneralExplanation/Explanation0THE CREDIT UNION'S MEMBERS HAVE RIGHTS TO ELECT THE MEMBERS OF THE GOVERNING BODY. THEY ALSO RECEIVE A SHARE OF THE ORGANIZATION'S PROFITS IN THE FORM OF CASH DIVIDENDS.
IRS990ScheduleO/GeneralExplanation/Explanation1MEMBERS OF THE CREDIT UNION HAVE THE RIGHT TO ELECT ONE OR MORE MEMBERS OF THE ORGANIZATION'S GOVERNING BODY, WHETHER PERIODICALLY, OR AS VACANCIES ARISE, OR OTHERWISE.
IRS990ScheduleO/GeneralExplanation/Explanation2THE MEMBERS OF THE CREDIT UNION HAVE THE RIGHT TO APPROVE THE GOVERNING BODY'S ELECTION AND REMOVAL OF MEMBERS OF THE GOVERNING BODY, AS WELL AS OTHER MATTERS THAT ARE SUBJECT TO THE APPROVAL OF MEMBERS OF THE CREDIT UNION AS THEY OCCUR.
IRS990ScheduleO/GeneralExplanation/Explanation3EACH MEMBER OF THE BOARD OF DIRECTORS OF CAPITOL CREDIT UNION WAS GIVEN A COPY OF FORM 990 FOR THEIR REVIEW. QUESTIONS AND/OR COMMENTS WERE SUBMITTED TO THE CFO FOR DISCUSSION AND/OR REVIEW. FORM 990 WILL BE REVIEWED BY AN OUTSIDE THIRD PARTY FOR COMPLETENESS. ACCURACY IS ASSUMED CORRECT UPON SIGNING AND SUBMITTING OF SAID FORM BY THE PRESIDENT/CEO.
IRS990ScheduleO/GeneralExplanation/Explanation4A COMMITTEE FORMED BY THE BOARD OF DIRECTORS REVIEWS THE CEO'S SALARY ON AN ANNUAL BASIS THROUGH THE USE OF COMPENSATION SURVEYS AND SOFTWARE. SALARY CHANGES ARE RECOMMENDED BY THE CEO REVIEW COMMITTEE AND APPROVED BY THE BOARD OF DIRECTORS.
IRS990ScheduleO/GeneralExplanation/Explanation5CAPITOL CREDIT UNION'S FINANCIAL STATEMENTS ARE POSTED IN EACH RETAIL LOCATION LOBBY. ADDITIONALLY, THEY ARE POSTED ON THE CREDIT UNION'S WEB SITE OR AVAILABLE BY WRITTEN REQUEST.
IRS990ScheduleO/GeneralExplanation/Explanation6THE CHANGE IN THE FUND BALANCE IS DIRECTLY ATTRIBUTED TO THE CHANGE IN OUR UNREALIZED GAIN/LOSS ON AVAILABLE FOR SALE INVESTMENT SECURITIES.
IRS990ScheduleO/GeneralExplanation/Explanation7AMENDED RETURN BEING FILED TO CORRECTLY REPORT TOTAL GROSS UNRELATED BUSINESS REVENUE FROM PART VIII, LINE 12, AND NET UNRELATED BUSINESS TAXABLE INCOME FROM FORM 990-T, LINE 34 AS REPORTED ON AMENDED FORM 990-T. SEE EXPLANATION FOR FORM 990, PART VIII, LINE 11A FOR FULL EXPLANATION FOR AMENDED FILING OF FORM 990-T.
IRS990ScheduleO/GeneralExplanation/Explanation8AMENDED RETURN BEING FILED TO CORRECTLY REPORT UNRELATED BUSINESS REVENUE AS REPORTED ON AMENDED FORM 990-T. FORM 990-T IS BEING AMENDED TO OBTAIN A REFUND OF UNRELATED BUSINESS INCOME TAX (UBIT) PAID ON SALES OF INSURANCE PRODUCTS AND FINANCIAL PRODUCTS TO CREDIT UNION MEMBERS. TAXPAYER'S ORIGINAL FILING WAS BASED ON A SERIES OF TECHNICAL ADVICE MEMORANDA (E.G., TAM XXX-XX-XXXX, ETC) ISSUED BY THE IRS DEALING WITH CREDIT UNION UBIT ISSUES AND RULING THAT THAT INCOME FROM SUCH SALES WAS NOT SUBSTANTIALLY RELATED TO THE CREDIT UNION'S EXEMPT PURPOSE. HOWEVER, TWO FEDERAL COURTS HAVE SINCE DETERMINED THAT INCOME FROM SALES OF INSURANCE AND FINANCIAL PRODUCTS BY STATE-CHARTERED CREDIT UNIONS TO THEIR MEMBERS IS SUBSTANTIALLY RELATED TO THE ORGANIZATIONS' THRIFT FUNCTION AND THUS QUALIFIES AS BEING EXEMPT FROM UBIT. SEE COMMUNITY FIRST CREDIT UNION V. U.S., 104 AFTR2D 2009-5346 (E.D. WI 2009), AND BELLCO CREDIT UNION V. U.S., 105 AFTR 2D 2010-1778 (D. COLO. 2010). ACCORDINGLY, TAXPAYER RELIES UPON THESE RECENT DECISIONS IN SEEKING A REFUND OF THE UBIT PREVIOUSLY PAID.
IRS990ScheduleO/GeneralExplanation/Identifier0FORM 990, PART VI, SECTION A, LINE 6
IRS990ScheduleO/GeneralExplanation/Identifier1FORM 990, PART VI, SECTION A, LINE 7A
IRS990ScheduleO/GeneralExplanation/Identifier2FORM 990, PART VI, SECTION A, LINE 7B
IRS990ScheduleO/GeneralExplanation/Identifier3FORM 990, PART VI, SECTION B, LINE 11
IRS990ScheduleO/GeneralExplanation/Identifier4CHANGES IN NET ASSETS OR FUND BALANCES:
IRS990ScheduleO/GeneralExplanation/ReturnReference0FORM 990, PART VI, SECTION B, LINE 15
IRS990ScheduleO/GeneralExplanation/ReturnReference1FORM 990, PART VI, SECTION C, LINE 19
IRS990ScheduleO/GeneralExplanation/ReturnReference2FORM 990, PART XI, LINE 5:
IRS990ScheduleO/GeneralExplanation/ReturnReference3FORM 990, PART I, LINES 7A AND 7B:
IRS990ScheduleO/GeneralExplanation/ReturnReference4FORM 990, PART VIII, LINE 11A:
IRS990/ScheduleORequired01
IRS990/School00
IRS990/SignificantChange00
IRS990/SignificantNewProgramServices00
IRS990/StateLegalDomicile0TX
IRS990/TaxablePartyNotification00
IRS990/TaxExemptBonds00
IRS990/Terminated00
IRS990/TermOrPermanentEndowments00
IRS990/TheBooksAreInCareOf/AddressUS/AddressLine10PO BOX 141069
IRS990/TheBooksAreInCareOf/AddressUS/City0AUSTIN
IRS990/TheBooksAreInCareOf/AddressUS/State0TX
IRS990/TheBooksAreInCareOf/AddressUS/ZIPCode0787141069
IRS990/TheBooksAreInCareOf/NamePerson0MARC BRODDRICK CFO
IRS990/TheBooksAreInCareOf/TelephoneNumber05124779465
IRS990/TotalAssets/BOY0108307013
IRS990/TotalAssetsBOY0108307013
IRS990/TotalAssets/EOY0110606788
IRS990/TotalAssetsEOY0110606788

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2010 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$110,606,788
Liabilities
$103,684,657
Net assets
$6,922,131
Revenue
-
Expenses
$6,592,520
Net income
-
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$219$194$24.2$12.0$11.3$0.76
2023Summary only. Only limited summary data is available for this year.$214$190$23.5$10.1$9.29$0.85
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$213$190$22.8$9.54$7.86$1.68
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$197$173$23.7$8.23$7.06$1.18
2020Facts available. Structured filing facts are available, but richer extracted sections are limited.$176$153$23.0$17.4$6.44$11.0
2019Facts available. Structured filing facts are available, but richer extracted sections are limited.$141$129$11.7$7.31$6.16$1.15
2018Facts available. Structured filing facts are available, but richer extracted sections are limited.$132$122$10.2$6.47$5.37$1.10
2017Facts available. Structured filing facts are available, but richer extracted sections are limited.$125$116$9.19$5.73$5.01$0.72
2016Facts available. Structured filing facts are available, but richer extracted sections are limited.$124$116$8.58$5.26$4.51$0.75
2015Detailed filing. Detailed filing data is available for this year.$123$115$7.71$5.04$4.53$0.51
2014Detailed filing. Detailed filing data is available for this year.$119$111$7.50$5.24$5.44$0.20
2013Detailed filing. Detailed filing data is available for this year.$125$117$7.69$5.34$5.30$0.03
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$122$114$8.03$5.83
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$117$110$7.27$5.59
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$111$104$6.92$6.59
Peer Organizations

Similar nonprofits based on the same Siviq industry and scale cohort. 2010 filings • 501(c)14 • $100M-$250M nonprofits