Civic Intelligence

Southern Star Credit Union

EIN 74-6055304 • 501(c)14 • Houston, TX

Profile

To encourage thrift among our members, creating a source of credit at a fair and reasonable rate of interest and to provide an opportunity for them to use and control their money.

16035 W Little York RdHouston, TX 77084-6506

www.southernstarcu.org

Siviq Scores

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

Liabilities / Assets

52nd percentile

0.86x

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

501(c)14 • $10M-$25M nonprofits • Source year 2024

Liabilities / Revenue

36th percentile

15.54x

Higher debt load relative to revenue than 36% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Source year 2024

Net Margin

27th percentile

-2.9%

Higher net margin than 27% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Source year 2024

Top Officer Pay

Score unavailable

No value available

No filing with officer rows is available for this organization yet.

Asset Growth

41st percentile

-1.5%

Faster asset growth than 41% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Annualized from 2023 to 2024

Revenue Growth

41st percentile

5.0%

Faster revenue growth than 41% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets52nd percentile

Assets

Down

$18,504,405

Down $278,656 (-1.5%) from 2023

Liabilities

Down

$15,994,533

Down $249,105 (-1.5%) from 2023

Net Assets

Down

$2,509,872

Down $29,551 (-1.2%) from 2023

Operations
Liabilities / Revenue36th percentileNet Margin27th percentile

Revenue

Up

$1,028,937

Up $48,605 (+5.0%) from 2023

Expenses

Up

$1,058,488

Up $16,908 (+1.6%) from 2023

Net Income

Up

-$29,551

Up $31,697 (+52%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth41st percentile

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

$30M$20M$10M$0Assets 2010: $21,579,960Liabilities 2010: $17,751,195Net Assets 2010: $3,828,7652010Assets 2011: $22,256,916Liabilities 2011: $18,718,511Net Assets 2011: $3,538,4052011Assets 2012: $23,409,333Liabilities 2012: $19,713,846Net Assets 2012: $3,695,4872012Assets 2013: $22,672,516Liabilities 2013: $18,988,075Net Assets 2013: $3,684,4412013Assets 2014: $22,747,046Liabilities 2014: $19,046,690Net Assets 2014: $3,700,3562014Assets 2015: $22,850,106Liabilities 2015: $19,123,340Net Assets 2015: $3,726,7662015Assets 2016: $23,459,923Liabilities 2016: $19,891,805Net Assets 2016: $3,568,1182016Assets 2017: $21,339,193Liabilities 2017: $18,070,329Net Assets 2017: $3,268,8642017Assets 2018: $19,289,585Liabilities 2018: $16,367,589Net Assets 2018: $2,921,9962018Assets 2019: $18,447,253Liabilities 2019: $15,654,931Net Assets 2019: $2,792,3222019Assets 2020: $19,713,231Liabilities 2020: $16,988,540Net Assets 2020: $2,724,6912020Assets 2021: $21,707,088Liabilities 2021: $19,027,264Net Assets 2021: $2,679,8242021Assets 2022: $20,414,644Liabilities 2022: $17,781,989Net Assets 2022: $2,632,6552022Assets 2023: $18,783,061Liabilities 2023: $16,243,638Net Assets 2023: $2,539,4232023Assets 2024: $18,504,405Liabilities 2024: $15,994,533Net Assets 2024: $2,509,8722024

Highlighted filing

2024

Assets$18,504,405
Liabilities$15,994,533
Net Assets$2,509,872
Open 2024 Filing

Operations Trend

Revenue Growth41st percentile

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

$1.5M$1.0M$500K$0-$500KExpenses 2010: $1,283,8962010Expenses 2011: $1,163,6952011Expenses 2012: $1,159,4502012Revenue 2013: $1,178,398Expenses 2013: $1,173,250Net Income 2013: $5,1482013Revenue 2014: $1,189,797Expenses 2014: $1,173,882Net Income 2014: $15,9152014Revenue 2015: $1,235,969Expenses 2015: $1,209,559Net Income 2015: $26,4102015Revenue 2016: $1,066,474Expenses 2016: $1,225,122Net Income 2016: -$158,6482016Revenue 2017: $986,550Expenses 2017: $1,285,804Net Income 2017: -$299,2542017Revenue 2018: $1,072,261Expenses 2018: $1,419,129Net Income 2018: -$346,8682018Revenue 2019: $971,655Expenses 2019: $1,101,329Net Income 2019: -$129,6742019Revenue 2020: $935,250Expenses 2020: $1,002,881Net Income 2020: -$67,6312020Revenue 2021: $866,827Expenses 2021: $911,694Net Income 2021: -$44,8672021Revenue 2022: $868,568Expenses 2022: $915,737Net Income 2022: -$47,1692022Revenue 2023: $980,332Expenses 2023: $1,041,580Net Income 2023: -$61,2482023Revenue 2024: $1,028,937Expenses 2024: $1,058,488Net Income 2024: -$29,5512024

Highlighted filing

2024

Revenue$1,028,937
Expenses$1,058,488
Net Income-$29,551
Open 2024 Filing

Filings

Most recent year

2024 • Form 990XML pending. An XML filing is linked for this year, but detailed extraction is still pending.

Open filing
Assets
$18,504,405
Liabilities
$15,994,533
Net assets
$2,509,872
Revenue
$1,028,937
Expenses
$1,058,488
Net income
-$29,551
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$18.5$16.0$2.51$1.03$1.06$0.03
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$18.8$16.2$2.54$0.98$1.04$0.06
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$20.4$17.8$2.63$0.87$0.92$0.05
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$21.7$19.0$2.68$0.87$0.91$0.04
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$19.7$17.0$2.72$0.94$1.00$0.07
2019Facts available. Structured filing facts are available, but richer extracted sections are limited.$18.4$15.7$2.79$0.97$1.10$0.13
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$19.3$16.4$2.92$1.07$1.42$0.35
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$21.3$18.1$3.27$0.99$1.29$0.30
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$23.5$19.9$3.57$1.07$1.23$0.16
2015Detailed filing. Detailed filing data is available for this year.$22.9$19.1$3.73$1.24$1.21$0.03
2014XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$22.7$19.0$3.70$1.19$1.17$0.02
2013Detailed filing. Detailed filing data is available for this year.$22.7$19.0$3.68$1.18$1.17$0.01
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$23.4$19.7$3.70$1.16
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$22.3$18.7$3.54$1.16
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$21.6$17.8$3.83$1.28
Latest Detailed Filing

The latest 2024 filing currently has linked XML that has not been fully parsed yet. Showing the latest detailed filing from 2019 below.

Jump To
Filing Snapshot
Filing Period
Jan 1, 2019 to Dec 31, 2019
Signed
Nov 11, 2020
Return Version
2019v5.0
Gross Receipts
$971,655
Mission and Program Overview

Mission

To encourage thrift among our members, creating a source of credit at a fair and reasonable rate of interest and to provide an opportunity for them to use and control their money.

To encourage thrift among our members, creating a source of credit at a fair rate of interest and to provide an opportunity for them to use and control their money.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$9,789,628$9,493,032▼ $296,596
Investments Other Securities$5,997,000$5,287,000▼ $710,000
Rtn Earn Endowment Incm Other Fnds$2,921,996$2,792,322▼ $129,674
Land, Buildings, and Equipment, Net$2,353,309$2,292,358▼ $60,951
Savings and Temporary Cash Investments$609,672$954,551▲ $344,879
Cash and Non-Interest-Bearing Accounts$274,600$179,468▼ $95,132
Prepaid Expenses and Deferred Charges$62,603$50,530▼ $12,073
Accounts Receivable$0$0→ $0
Pledges and Grants Receivable$0$0→ $0
Receivable From Disqualified Prsn$0$0→ $0
Receivables From Officers Etc$0$0→ $0
Investments Program Related$0$0→ $0
Investments in Publicly Traded Securities$0$0→ $0
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Intangible Assets$0$0→ $0
Inventories for Sale or Use$0$0→ $0
Loans From Officers Directors$0$0→ $0
Total Assets$19,289,585$18,447,253▼ $842,332
Other Assets Total$202,773$190,314▼ $12,459
Liabilities
Other Liabilities$16,257,446$15,541,539▼ $715,907
Accounts Payable and Accrued Expenses$110,143$113,392▲ $3,249
Grants Payable$0$0→ $0
Mortgage Notes Payable Secured by Investment Property$0$0→ $0
Unsecured Notes Loans Payable$0$0→ $0
Deferred Revenue$0$0→ $0
Escrow Account Liability$0$0→ $0
Tax Exempt Bond Liabilities$0$0→ $0
Total Liabilities$16,367,589$15,654,931▼ $712,658
Net Assets / Fund Balance
Total Net Assets Fund Balance$2,921,996$2,792,322▼ $129,674
Total Liabilities and Net Assets / Fund Balance$19,289,585$18,447,253▼ $842,332

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$1,544,164$102,960$1,647,124
Land$649,423-$649,423
Equipment$98,771$160,934$259,705
Other Land Buildings$0$0$0
Leasehold Improvements$0$0$0
Other Securities$5,287,000--
Closely Held Equity Interests$0--
Financial Derivatives$0--
Compensation and Service Providers
Top Officer PayScore unavailable

Employees

NameTitleFull / Part TimeBaseTotal
Debra CallihanPresidentFT$63,636$63,636
Patricia YoungVice PresidentFT$56,784$56,784

Board Members and Trustees

NameTitle
William ConradChairman
Dennis HowardVice Chairman
Juan ArmasDirector
Omar MislehSecretary
Andrew HernandezTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$799,343
Investment Income
$154,243
Other Revenue
$18,069
All Other Contributions
$0
Change in Net Assets
$-129,674

Audited Revenue Reconciliation

Revenue per Audited Statements
$971,655
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Other Revenue Adjustments
$0
Total Revenue per Audited Statements
$971,655
Total Revenue per Form 990
$971,655
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$725,801
Salaries, Compensation, and Employee Benefits$375,528
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$0$0$0$197,401
Current Officers, Directors, Trustees, and Key Employees$0$0$0$144,312
Information Technology$0$0$0$124,307
Office Expenses$0$0$0$111,130
Occupancy$0$0$0$70,709
Interest$0$0$0$65,424
Depreciation Depletion$0$0$0$41,184
Payroll Taxes$0$0$0$33,815
Fees for Services Accounting$0$0$0$14,992
Other Expenses$0$0$0$11,308
Advertising$0$0$0$9,601
Payments to Affiliates$0$0$0$7,571
Fees for Services Legal$0$0$0$4,424
Total Functional Expenses$0$0$0$1,101,329

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$1,101,329
Total Expenses per Audited Statements$1,101,329
Total Expenses per Form 990$1,101,329
Expenses Not Reported on Financial Statements$0
Expenses Not Reported on Form 990$0
Other Expense Adjustments$0
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Fundraising Direct Expenses$0
Fundraising Gross Income$0
Gaming Direct Expenses$0
Gaming Gross Income$0
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
Receivables from Disqualified Persons$0$0→ $0
Receivables from Officers, Directors, Trustees, and Key Employees$0$0→ $0
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Members Shares and Savings Accounts$15,534,361
Accrued Interest Payable$7,178
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
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
No
Other officer compensation reviewed
No
Conflict-of-interest policy
No
Audited financial statements prepared
No
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

Part VI, Section A, Line 6

“Credit Unions are member-owned organizations. Each Southern Star CU member owns (1) $25.00 voting share.”

Part VI, Section A, Line 7A

“| Class of the Person:, Nature of their rights:| Members of the credit union., At the Credit Union's Annual Meeting, members cast votes for the election of the Board of Directors.|”

Part VI, Section A, Line 7B

“| Class of the Person:, Decisions that require their approval:, Nature of their rights:| Members of the credit union., Members vote on certain matters as defined in the Credit Union's Bylaws., Members vote on certain matters as defined in the Credit Union's Bylaws.|”

Part VI, Section C, Line 19

“Documents are available on request.”

Filing and Contact Details

Filer

Filer Name
Southern Star Credit Union
EIN
74-6055304
In Care Of
% Debra Callihan
Phone
7139341460
Address
16035 W LITTLE YORK RD, HOUSTON, TX 77084-6506

Signing Officer

Name
Debra Callihan
Title
President
Phone
7139341460
Signed
2020-11-11
Discuss with paid preparer
No

Organization Details

Formed
1953
Legal Domicile
TX
Voting Board Members
5
Independent Board Members
5
Employees
9
Volunteers
0
Raw XML AppendixShowing 400 of 562 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/AccountantCompileOrReviewInd0false
IRS990/AccountsPayableAccrExpnssGrp/BOYAmt0110143
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt0113392
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IRS990/ActivityOrMissionDesc0To encourage thrift among our members, creating a source of credit at a fair rate of interest and to provide an opportunity for them to use and control their money.
IRS990/AdvertisingGrp/FundraisingAmt00
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IRS990/AdvertisingGrp/TotalAmt09601
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IRS990/AllOtherExpensesGrp/ProgramServicesAmt00
IRS990/AllOtherExpensesGrp/TotalAmt00
IRS990/AuditCommitteeInd0true
IRS990/BackupWthldComplianceInd0true
IRS990/BooksInCareOfDetail/PersonNm0Debra Callihan
IRS990/BooksInCareOfDetail/PhoneNum07139341460
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt016035 W LITTLE YORK RD
IRS990/BooksInCareOfDetail/USAddress/CityNm0HOUSTON
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0TX
IRS990/BooksInCareOfDetail/USAddress/ZIPCd0770846506
IRS990/BusinessRlnWith35CtrlEntInd0false
IRS990/BusinessRlnWithFamMemInd0false
IRS990/BusinessRlnWithOrgMemInd0false
IRS990/CapStkTrPrinCurrentFundsGrp/BOYAmt00
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IRS990/CashNonInterestBearingGrp/BOYAmt0274600
IRS990/CashNonInterestBearingGrp/EOYAmt0179468
IRS990/ChangeToOrgDocumentsInd0false
IRS990/CollectionsOfArtInd0false
IRS990/CompCurrentOfcrDirectorsGrp/FundraisingAmt00
IRS990/CompCurrentOfcrDirectorsGrp/ManagementAndGeneralAmt00
IRS990/CompCurrentOfcrDirectorsGrp/ProgramServicesAmt00
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt0144312
IRS990/CompDisqualPersonsGrp/FundraisingAmt00
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IRS990/CompensationProcessCEOInd0false
IRS990/CompensationProcessOtherInd0false
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IRS990/ConferencesMeetingsGrp/ManagementAndGeneralAmt00
IRS990/ConferencesMeetingsGrp/ProgramServicesAmt00
IRS990/ConferencesMeetingsGrp/TotalAmt00
IRS990/ConflictOfInterestPolicyInd0false
IRS990/ConservationEasementsInd0false
IRS990/ConsolidatedAuditFinclStmtInd0false
IRS990/ContriRptFundraisingEventAmt00
IRS990/CreditCounselingInd0false
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt0154243
IRS990/CYOtherExpensesAmt0725801
IRS990/CYOtherRevenueAmt018069
IRS990/CYProgramServiceRevenueAmt0799343
IRS990/CYRevenuesLessExpensesAmt0-129674
IRS990/CYSalariesCompEmpBnftPaidAmt0375528
IRS990/CYTotalExpensesAmt01101329
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt0971655
IRS990/DecisionsSubjectToApprovaInd0true
IRS990/DeductibleArtContributionInd0false
IRS990/DeductibleNonCashContriInd0false
IRS990/DeferredRevenueGrp/BOYAmt00
IRS990/DeferredRevenueGrp/EOYAmt00
IRS990/DelegationOfMgmtDutiesInd0false
IRS990/DepreciationDepletionGrp/FundraisingAmt00
IRS990/DepreciationDepletionGrp/ManagementAndGeneralAmt00
IRS990/DepreciationDepletionGrp/ProgramServicesAmt00
IRS990/DepreciationDepletionGrp/TotalAmt041184
IRS990/Desc0Interest on Loans granted.
IRS990/DescribedInSection501c3Ind0false
IRS990/DisregardedEntityInd0false
IRS990/DocumentRetentionPolicyInd0true
IRS990/DonatedServicesAndUseFcltsAmt00
IRS990/DonorAdvisedFundInd0false
IRS990/DonorRstrOrQuasiEndowmentsInd0false
IRS990/ElectionOfBoardMembersInd0true
IRS990/EmployeeCnt09
IRS990/EmploymentTaxReturnsFiledInd0true
IRS990/EscrowAccountLiabilityGrp/BOYAmt00
IRS990/EscrowAccountLiabilityGrp/EOYAmt00
IRS990/ExpenseAmt00
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IRS990/FederalGrantAuditRequiredInd0false
IRS990/FederatedCampaignsAmt00
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IRS990/FeesForServicesAccountingGrp/ProgramServicesAmt00
IRS990/FeesForServicesAccountingGrp/TotalAmt014992
IRS990/FeesForServicesLegalGrp/FundraisingAmt00
IRS990/FeesForServicesLegalGrp/ManagementAndGeneralAmt00
IRS990/FeesForServicesLegalGrp/ProgramServicesAmt00
IRS990/FeesForServicesLegalGrp/TotalAmt04424
IRS990/FeesForServicesLobbyingGrp/FundraisingAmt00
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IRS990/FeesForServicesLobbyingGrp/ProgramServicesAmt00
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IRS990/FeesForSrvcInvstMgmntFeesGrp/TotalAmt00
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IRS990/ForeignFinancialAccountInd0false
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IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt00.00
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IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt30.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt40.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt50.00
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IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd0X
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IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd3X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd4X
IRS990/Form990PartVIISectionAGrp/OfficerInd0X
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IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt40
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt50
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt60
IRS990/Form990PartVIISectionAGrp/PersonNm0William Conrad
IRS990/Form990PartVIISectionAGrp/PersonNm1Dennis Howard
IRS990/Form990PartVIISectionAGrp/PersonNm2Andrew Hernandez
IRS990/Form990PartVIISectionAGrp/PersonNm3Omar Misleh
IRS990/Form990PartVIISectionAGrp/PersonNm4Juan Armas
IRS990/Form990PartVIISectionAGrp/PersonNm5Debra Callihan
IRS990/Form990PartVIISectionAGrp/PersonNm6Patricia Young
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