Civic Intelligence

Scott and White Employees Credit Union

EIN 74-6056100 • 501(c)14 • Temple, TX

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Profile

Voluntary, Cooperative, Non-profit savings institutions (credit union), incorporated under the provision of the Texas Credit Union Act, for the purpose of encouraging thrift among their members, providing credit at a fair and reasonable rate of intrest and providing an oppertunity to improve their economic condition.

PO Box 246Temple, TX 76503-0246

www.swecu.swecu.org

Siviq Scores

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

Liabilities / Assets

5th percentile

0.01x

Higher debt load relative to assets than 5% of similar nonprofits.

501(c)14 • $50M-$100M nonprofits • Source year 2025

Liabilities / Revenue

6th percentile

0.21x

Higher debt load relative to revenue than 6% of similar nonprofits.

501(c)14 • $50M-$100M nonprofits • Source year 2025

Net Margin

99th percentile

43%

Higher net margin than 99% of similar nonprofits.

501(c)14 • $50M-$100M nonprofits • Source year 2025

Top Officer Pay

68th percentile

$185,066

Higher top officer pay than 68% of similar nonprofits.

Top officer pay equals 4.4% of source-year revenue.

501(c)14 • $50M-$100M nonprofits • Source year 2025

Asset Growth

45th percentile

0.9%

Faster asset growth than 45% of similar nonprofits.

501(c)14 • $50M-$100M nonprofits • Annualized from 2024 to 2025

Revenue Growth

47th percentile

9.4%

Faster revenue growth than 47% of similar nonprofits.

501(c)14 • $50M-$100M nonprofits • Annualized from 2024 to 2025

Balance Sheet
Liabilities / Assets5th percentile

Assets

Up

$71,006,448

Up $608,332 (+0.9%) from 2024

Liabilities

Up

$861,140

Up $22,395 (+2.7%) from 2024

Net Assets

Up

$70,145,308

Up $585,937 (+0.8%) from 2024

Operations
Liabilities / Revenue6th percentileNet Margin99th percentile

Revenue

Up

$4,162,380

Up $356,837 (+9.4%) from 2024

Expenses

Up

$2,386,861

Up $267,969 (+13%) from 2024

Net Income

Up

$1,775,519

Up $88,868 (+5.3%) from 2024

Trend Graphs

Balance Sheet Trend

Asset Growth45th percentile

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

$80M$60M$40M$20M$0-$20MAssets 2010: $29,042,033Liabilities 2010: $195,453Net Assets 2010: $28,846,5802010Assets 2011: $30,677,358Liabilities 2011: $196,610Net Assets 2011: $30,480,7482011Assets 2012: $33,529,186Liabilities 2012: $49,246Net Assets 2012: $33,479,9402012Assets 2013: $36,141,670Liabilities 2013: $110,285Net Assets 2013: $36,031,3852013Assets 2014: $38,432,831Liabilities 2014: $113,928Net Assets 2014: $38,318,9032014Assets 2015: $42,735,997Liabilities 2015: -$523,900Net Assets 2015: $43,259,8972015Assets 2016: $43,323,303Liabilities 2016: -$564,785Net Assets 2016: $43,888,0882016Assets 2017: $46,629,686Liabilities 2017: -$396,146Net Assets 2017: $47,025,8322017Assets 2018: $47,826,067Liabilities 2018: -$487,986Net Assets 2018: $48,314,0532018Assets 2019: $51,201,870Liabilities 2019: -$168,798Net Assets 2019: $51,370,6682019Assets 2020: $61,431,788Liabilities 2020: -$38,753Net Assets 2020: $61,470,5412020Assets 2021: $68,385,456Liabilities 2021: $90,698Net Assets 2021: $68,294,7582021Assets 2022: $70,052,932Liabilities 2022: $522,003Net Assets 2022: $69,530,9292022Assets 2023: $67,581,491Liabilities 2023: $773,680Net Assets 2023: $66,807,8112023Assets 2024: $70,398,116Liabilities 2024: $838,745Net Assets 2024: $69,559,3712024Assets 2025: $71,006,448Liabilities 2025: $861,140Net Assets 2025: $70,145,3082025

Highlighted filing

2025

Assets$71,006,448
Liabilities$861,140
Net Assets$70,145,308
Open 2025 Filing

Operations Trend

Revenue Growth47th percentile

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

$6.0M$4.0M$2.0M$0Expenses 2010: $1,579,4952010Expenses 2011: $1,471,0242011Expenses 2012: $1,374,7712012Revenue 2013: $1,663,832Expenses 2013: $1,539,413Net Income 2013: $124,4192013Revenue 2014: $1,640,289Expenses 2014: $1,414,925Net Income 2014: $225,3642014Revenue 2015: $1,723,938Expenses 2015: $1,485,704Net Income 2015: $238,2342015Revenue 2016: $1,631,790Expenses 2016: $1,579,900Net Income 2016: $51,8902016Revenue 2017: $1,840,849Expenses 2017: $1,489,183Net Income 2017: $351,6662017Revenue 2018: $2,000,626Expenses 2018: $1,334,127Net Income 2018: $666,4992018Revenue 2019: $2,097,598Expenses 2019: $1,413,306Net Income 2019: $684,2922019Revenue 2020: $2,094,309Expenses 2020: $1,296,779Net Income 2020: $797,5302020Revenue 2021: $1,950,967Expenses 2021: $1,343,544Net Income 2021: $607,4232021Revenue 2022: $3,164,800Expenses 2022: $1,692,027Net Income 2022: $1,472,7732022Revenue 2023: $3,399,230Expenses 2023: $1,745,126Net Income 2023: $1,654,1042023Revenue 2024: $3,805,543Expenses 2024: $2,118,892Net Income 2024: $1,686,6512024Revenue 2025: $4,162,380Expenses 2025: $2,386,861Net Income 2025: $1,775,5192025

Highlighted filing

2025

Revenue$4,162,380
Expenses$2,386,861
Net Income$1,775,519
Open 2025 Filing

Filings

Most recent year

2025 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$71,006,448
Liabilities
$861,140
Net assets
$70,145,308
Revenue
$4,162,380
Expenses
$2,386,861
Net income
$1,775,519
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2025Detailed filing. Detailed filing data is available for this year.$71.0$0.86$70.1$4.16$2.39$1.78
2024XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$70.4$0.84$69.6$3.81$2.12$1.69
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$67.6$0.77$66.8$3.40$1.75$1.65
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$70.1$0.52$69.5$3.16$1.69$1.47
2021Facts available. Structured filing facts are available, but richer extracted sections are limited.$68.4$0.09$68.3$1.95$1.34$0.61
2020Facts available. Structured filing facts are available, but richer extracted sections are limited.$61.4$0.04$61.5$2.09$1.30$0.80
2019Summary only. Only limited summary data is available for this year.$51.2$0.17$51.4$2.10$1.41$0.68
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$47.8$0.49$48.3$2.00$1.33$0.67
2017Summary only. Only limited summary data is available for this year.$46.6$0.40$47.0$1.84$1.49$0.35
2016Summary only. Only limited summary data is available for this year.$43.3$0.56$43.9$1.63$1.58$0.05
2015Summary only. Only limited summary data is available for this year.$42.7$0.52$43.3$1.72$1.49$0.24
2014XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$38.4$0.11$38.3$1.64$1.41$0.23
2013Detailed filing. Detailed filing data is available for this year.$36.1$0.11$36.0$1.66$1.54$0.12
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$33.5$0.05$33.5$1.37
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$30.7$0.20$30.5$1.47
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$29.0$0.20$28.8$1.58
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2025 to Dec 31, 2025
Signed
Mar 11, 2026
Return Version
2025v4.0
Gross Receipts
$4,162,380
Mission and Program Overview

Mission

Voluntary cooperative, non-profit savings institution incorporated under the provision of the Texas Credit Union Act, for the purpose of encouraging thrift among their members, providing credit at fair & reasonable rate of interest & providing an opportunity to improve their economic position.

Balance Sheet Detail
LineBeginningEndChange
Assets
Cap Stk Tr Prin Current Funds$58,938,940$57,744,229▼ $1,194,711
Other Notes and Loans Receivable, Net$35,316,121$38,529,718▲ $3,213,597
Investments Program Related$13,665,315$16,526,406▲ $2,861,091
Savings and Temporary Cash Investments$19,867,056$14,115,417▼ $5,751,639
Rtn Earn Endowment Incm Other Fnds$10,620,431$12,401,079▲ $1,780,648
Cash and Non-Interest-Bearing Accounts$404,147$449,172▲ $45,025
Accounts Receivable$19,036$224,851▲ $205,815
Receivables From Officers Etc$182,458$145,642▼ $36,816
Prepaid Expenses and Deferred Charges$99,936$57,591▼ $42,345
Land, Buildings, and Equipment, Net$36,076$25,586▼ $10,490
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Inventories for Sale or Use$0--
Loans From Officers Directors$0$0→ $0
Total Assets$70,398,116$71,006,448▲ $608,332
Other Assets Total$807,971$932,065▲ $124,094
Liabilities
Accounts Payable and Accrued Expenses$833,805$837,572▲ $3,767
Other Liabilities$4,940$23,568▲ $18,628
Escrow Account Liability$0$0→ $0
Total Liabilities$838,745$861,140▲ $22,395
Net Assets / Fund Balance
Total Net Assets Fund Balance$69,559,371$70,145,308▲ $585,937
Total Liabilities and Net Assets / Fund Balance$70,398,116$71,006,448▲ $608,332

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$25,586$1,269,274$1,294,860
Investment Program Related Org$11,220,352--
Other Land Buildings$0$0$0
Land$0-$0
Equipment$0$0$0
Leasehold Improvements$0$0$0
Compensation and Service Providers
Top Officer Pay68th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Celeste KaylorPresident/CEOFT$185,066$185,066

Board Members and Trustees

NameTitle
Roy WohlebChairman of the Board of Directors
Lynda AllmerVice Chairman of the Board of Directors
Jean ThorpMember of the Board of Directors
Linda BrookMember of the Board of Directors
Ted MaxfieldMember of the Board of Directors
Lyn DukatnikSecretary of the Board of Directors
Ray BakerTreasurer of the Board of Directors

Highest Paid Contractors

ContractorServicesLocationCompensation
Bradford Scott Data LLCData ProcessingPO Box 778963, Chicago, IL 60677-8963$194,173
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$3,312,454
Investment Income
$849,926
Other Revenue
$0
Change in Net Assets
$1,775,519
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$1,104,766
Salaries, Compensation, and Employee Benefits$861,055
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$475,244
Benefits to Members---$421,040
Other Expenses---$322,478
Office Expenses---$216,548
Information Technology---$198,528
Current Officers, Directors, Trustees, and Key Employees---$185,066
Pension Plan Contributions---$77,266
Other Employee Benefits---$72,799
Payroll Taxes---$50,680
Depreciation Depletion---$49,354
Occupancy---$33,541
Payments to Affiliates---$25,304
Advertising---$23,122
Insurance---$21,808
Fees for Services Management---$19,765
Conferences and Meetings---$15,222
Travel---$2,674
Total Functional Expenses$0$0$0$2,386,861
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
Receivables from Officers, Directors, Trustees, and Key Employees$182,458$145,642▼ $36,816
Loans from Officers, Directors, Trustees, and Key Employees$0$0→ $0
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Payable to Third Party$23,568
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
Yes
Annual disclosure for covered persons
Yes
Audit committee
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 are a Texas Chartered credit union, so our members are owners”

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

“Annually in March, according to bylaws, our members meet and appoint board of directors. Meeting which will be held March 19, 2026”

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

“Reviewed annually by the Board of Directors”

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

“All policies are reviewed annually and approved by the board of directors.”

Form 990, Part VI, Section B, Line 15

“The board of directors reviews annual compensation surveys to determine compensation for all employees.”

Form 990, Part VI, Section C, Line 19

“Governing documents and conflict of interest policy are available upon request. Financial documents are posted in lobby.”

Filing and Contact Details

Filer

Filer Name
Scott and White Employees Credit Union
EIN
74-6056100
Phone
2547783199
Address
PO Box 246, Temple, TX 76503-0246

Signing Officer

Name
Celeste Kaylor
Title
CEO
Phone
2547783199
Signed
2026-03-11

Organization Details

Principal Officer
Celeste Kaylor
Formed
1962
Legal Domicile
TX
Voting Board Members
7
Independent Board Members
7
Employees
16
Volunteers
7
Supplemental Narrative

Additional Explanations

Form 990, Part XI, Line 9

“Net change in assets - decrease $682,588”

Financial Statement Notes

Schedule D, Part X, Line 2

“Liabilities payable to 3rd party”

Raw XML AppendixShowing 400 of 480 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/BOYAmt0833805
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IRS990/ActivitiesConductedPrtshpInd00
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IRS990/AdvertisingGrp/TotalAmt023122
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IRS990/BenefitsToMembersGrp/TotalAmt0421040
IRS990/BooksInCareOfDetail/PersonNm0Carol Lisenbe
IRS990/BooksInCareOfDetail/PhoneNum02547783199
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt0PO Box 246
IRS990/BooksInCareOfDetail/USAddress/CityNm0Temple
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0TX
IRS990/BooksInCareOfDetail/USAddress/ZIPCd0765030246
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IRS990/CompDisqualPersonsGrp/TotalAmt00
IRS990/CompensationFromOtherSrcsInd00
IRS990/CompensationProcessCEOInd01
IRS990/CompensationProcessOtherInd01
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IRS990/ConflictOfInterestPolicyInd01
IRS990/ConservationEasementsInd00
IRS990/ConsolidatedAuditFinclStmtInd00
IRS990/ContractorCompensationGrp/CompensationAmt0194173
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt0PO Box 778963
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm0Chicago
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd0IL
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd0606778963
IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt0Bradford Scott Data LLC
IRS990/ContractorCompensationGrp/ServicesDesc0Data Processing
IRS990/CreditCounselingInd00
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IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt00
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IRS990/CYOtherExpensesAmt01104766
IRS990/CYOtherRevenueAmt00
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IRS990/CYTotalRevenueAmt04162380
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IRS990/DepreciationDepletionGrp/TotalAmt049354
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IRS990/EscrowAccountLiabilityGrp/EOYAmt00
IRS990/ExpenseAmt0176422
IRS990/FamilyOrBusinessRlnInd00
IRS990/FederalGrantAuditRequiredInd00
IRS990/FeesForServicesManagementGrp/TotalAmt019765
IRS990/ForeignActivitiesInd00
IRS990/ForeignFinancialAccountInd00
IRS990/ForeignGrantsGrp/TotalAmt00
IRS990/ForeignOfficeInd00
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IRS990/Form990PartVIISectionAGrp/PersonNm0Celeste Kaylor
IRS990/Form990PartVIISectionAGrp/PersonNm1Roy Wohleb
IRS990/Form990PartVIISectionAGrp/PersonNm2Lynda Allmer
IRS990/Form990PartVIISectionAGrp/PersonNm3Ray Baker
IRS990/Form990PartVIISectionAGrp/PersonNm4Lyn Dukatnik
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IRS990/Form990PartVIISectionAGrp/TitleTxt0President/CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt1Chairman of the Board of Directors
IRS990/Form990PartVIISectionAGrp/TitleTxt2Vice Chairman of the Board of Directors
IRS990/Form990PartVIISectionAGrp/TitleTxt3Treasurer of the Board of Directors
IRS990/Form990PartVIISectionAGrp/TitleTxt4Secretary of the Board of Directors
IRS990/Form990PartVIISectionAGrp/TitleTxt5Member of the Board of Directors
IRS990/Form990PartVIISectionAGrp/TitleTxt6Member of the Board of Directors
IRS990/Form990PartVIISectionAGrp/TitleTxt7Member of the Board of Directors
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IRS990/IncmFromInvestBondProceedsGrp/TotalRevenueColumnAmt00
IRS990/IncmFromInvestBondProceedsGrp/UnrelatedBusinessRevenueAmt00
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IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartXIInd0X
IRS990/InformationTechnologyGrp/TotalAmt0198528
IRS990/InsuranceGrp/TotalAmt021808
IRS990/InventoriesForSaleOrUseGrp/BOYAmt00
IRS990/InvestmentExpenseAmt00
IRS990/InvestmentIncomeGrp/ExclusionAmt00
IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt0849926
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt0849926
IRS990/InvestmentIncomeGrp/UnrelatedBusinessRevenueAmt00
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsProgramRelatedGrp/BOYAmt013665315
IRS990/InvestmentsProgramRelatedGrp/EOYAmt016526406
IRS990/IRPDocumentCnt00
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt01269274
IRS990/LandBldgEquipBasisNetGrp/BOYAmt036076
IRS990/LandBldgEquipBasisNetGrp/EOYAmt025586
IRS990/LandBldgEquipCostOrOtherBssAmt01294860
IRS990/LegalDomicileStateCd0TX
IRS990/LoanOutstandingInd01
IRS990/LoansFromOfficersDirectorsGrp/BOYAmt00
IRS990/LoansFromOfficersDirectorsGrp/EOYAmt00
IRS990/LocalChaptersInd00
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0Voluntary cooperative, non-profit savings institution incorporated under the provision of the Texas Credit Union Act, for the purpose of encouraging thrift among their members, providing credit at fair & reasonable rate of interest & providing an opportunity to improve their economic position.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/NetAssetsOrFundBalancesBOYAmt069559371
IRS990/NetAssetsOrFundBalancesEOYAmt070145308
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NetUnrlzdGainsLossesInvstAmt0-506994
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt033541
IRS990/OfficeExpensesGrp/TotalAmt0216548
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt0807971
IRS990/OtherAssetsTotalGrp/EOYAmt0932065
IRS990/OtherChangesInNetAssetsAmt0-682588
IRS990/OtherEmployeeBenefitsGrp/TotalAmt072799
IRS990/OtherExpensesGrp/Desc0LOAN SERVICING
IRS990/OtherExpensesGrp/Desc1SHARE DRAFT EXPENSE
IRS990/OtherExpensesGrp/TotalAmt0176422
IRS990/OtherExpensesGrp/TotalAmt1322478
IRS990/OtherLiabilitiesGrp/BOYAmt04940
IRS990/OtherLiabilitiesGrp/EOYAmt023568
IRS990/OtherRevenueTotalAmt00
IRS990/OtherSalariesAndWagesGrp/TotalAmt0475244
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt035316121
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt038529718
IRS990/PartialLiquidationInd00
IRS990/PaymentsToAffiliatesGrp/TotalAmt025304
IRS990/PayrollTaxesGrp/TotalAmt050680
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt077266
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt099936
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt057591
IRS990/PrincipalOfficerNm0CELESTE KAYLOR
IRS990/PriorPeriodAdjustmentsAmt00
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522130
IRS990/ProgramServiceRevenueGrp/BusinessCd1522130
IRS990/ProgramServiceRevenueGrp/Desc0LOAN SERVICING
IRS990/ProgramServiceRevenueGrp/Desc1SHARES/SHARE DRAFT EXPENSE
IRS990/ProgramServiceRevenueGrp/ExclusionAmt00
IRS990/ProgramServiceRevenueGrp/ExclusionAmt10
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt02379100
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt1933354
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt02379100
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1933354
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt10
IRS990/ProgSrvcAccomActy2Grp/Desc0Share/Sharedraft expense
IRS990/ProgSrvcAccomActy2Grp/ExpenseAmt0322478
IRS990/ProgSrvcAccomActy2Grp/GrantAmt00
IRS990/ProgSrvcAccomActy2Grp/RevenueAmt0933353
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt0310796
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt0712201
IRS990/PYOtherExpensesAmt01127177
IRS990/PYOtherRevenueAmt00
IRS990/PYProgramServiceRevenueAmt03093342
IRS990/PYRevenuesLessExpensesAmt01686651
IRS990/PYSalariesCompEmpBnftPaidAmt0680919
IRS990/PYTotalExpensesAmt02118892
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt03805543
IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt0182458
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt0145642
IRS990/ReconcilationRevenueExpnssAmt01775519
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/RentalIncomeOrLossGrp/PersonalAmt00
IRS990/RentalIncomeOrLossGrp/RealAmt00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd01
IRS990/RevenueAmt02379100
IRS990/RoyaltiesRevenueGrp/ExclusionAmt00
IRS990/RoyaltiesRevenueGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
IRS990/RoyaltiesRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt010620431
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt012401079
IRS990/SavingsAndTempCashInvstGrp/BOYAmt019867056
IRS990/SavingsAndTempCashInvstGrp/EOYAmt014115417
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt025586
IRS990ScheduleD/BuildingsGrp/DepreciationAmt01269274
IRS990ScheduleD/BuildingsGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt01294860
IRS990ScheduleD/EquipmentGrp/BookValueAmt00
IRS990ScheduleD/EquipmentGrp/DepreciationAmt00
IRS990ScheduleD/EquipmentGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/FederalIncomeTaxLiabilityAmt00
IRS990ScheduleD/FootnoteTextInd0X
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt05306054
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt111220352
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc0BONDS
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc1ANNUITIES
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd0F
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd1F
IRS990ScheduleD/LandGrp/BookValueAmt00
IRS990ScheduleD/LandGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt00
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/OtherLiabilitiesOrgGrp/Amt023568
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0PAYABLE TO THIRD PARTY
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0LIABILITIES PAYABLE TO 3RD PARTY
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0Schedule D, Part X, Line 2
IRS990ScheduleD/TotalBookValueLandBuildingsAmt025586
IRS990ScheduleD/TotalBookValueProgramRltdAmt016526406
IRS990ScheduleD/TotalLiabilityAmt023568
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd00
IRS990/ScheduleJRequiredInd01
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0185066
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0Celeste Kaylor
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0President/CEO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt0185066
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt00
IRS990ScheduleJ/SeverancePaymentInd00
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd00
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt016171
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt1122407
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt22571
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt34493
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd01
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd11
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd21
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd31
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd00
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd10
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd20
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd30
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd0X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd1X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd2X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd3X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt0AUTO
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt1HOME
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt2SECURED
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt3AUTO
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt040000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt1202250
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt232000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt336900
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm0CELESTE KAYLOR
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm1RAY BAKER
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm2RAY BAKER
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm3LINDA BROOK
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt0PRESIDENT
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt1TREASURER
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt2TREASURER
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt3BOARD
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd01
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd11
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd21
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd31
IRS990ScheduleL/TotalBalanceDueAmt0145642
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0We are a Texas Chartered credit union, so our members are owners
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1Annually in March, according to bylaws, our members meet and appoint board of directors. Meeting which will be held March 19, 2026
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2Reviewed annually by the Board of Directors
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3All policies are reviewed annually and approved by the board of directors.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4The board of directors reviews annual compensation surveys to determine compensation for all employees.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5Governing documents and conflict of interest policy are available upon request. Financial documents are posted in lobby.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6NET CHANGE IN ASSETS - DECREASE $682,588
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

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