Civic Intelligence

Spco Credit Union

EIN 74-6106699 • 501(c)14 • Houston, TX

View Organization Page

Profile

Our mission is to be the trusted partner in each members financial life

12755 N Houston Rosslyn RdHouston, TX 77086

www.spcocu.org

Siviq Scores

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

Liabilities / Assets

79th percentile

0.90x

Higher debt load relative to assets than 79% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Source year 2023

Liabilities / Revenue

41st percentile

14.95x

Higher debt load relative to revenue than 41% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Source year 2023

Net Margin

14th percentile

-6.1%

Higher net margin than 14% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Source year 2023

Top Officer Pay

67th percentile

$140,100

Higher top officer pay than 67% of similar nonprofits.

Top officer pay equals 6.0% of source-year revenue.

501(c)14 • $25M-$50M nonprofits • Source year 2023

Asset Growth

21st percentile

-3.6%

Faster asset growth than 21% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Annualized from 2022 to 2023

Revenue Growth

27th percentile

1.9%

Faster revenue growth than 27% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Annualized from 2022 to 2023

Balance Sheet
Liabilities / Assets79th percentile

Assets

Down

$38,877,794

Down $1,446,059 (-3.6%) from 2022

Liabilities

Down

$35,176,103

Down $1,311,901 (-3.6%) from 2022

Net Assets

Down

$3,701,691

Down $134,158 (-3.5%) from 2022

Operations
Liabilities / Revenue41st percentileNet Margin14th percentile

Revenue

Up

$2,352,949

Up $44,442 (+1.9%) from 2022

Expenses

Up

$2,497,191

Up $171,966 (+7.4%) from 2022

Net Income

Down

-$144,242

Down $127,524 (-763%) from 2022

Trend Graphs

Balance Sheet Trend

Asset Growth21st percentile

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

$60M$40M$20M$0Assets 2011: $32,079,480Liabilities 2011: $27,960,404Net Assets 2011: $4,119,0762011Assets 2012: $34,729,218Liabilities 2012: $30,697,367Net Assets 2012: $4,031,8512012Assets 2013: $38,550,950Liabilities 2013: $34,531,140Net Assets 2013: $4,019,8102013Assets 2014: $36,240,506Liabilities 2014: $32,139,248Net Assets 2014: $4,101,2582014Assets 2015: $37,310,464Liabilities 2015: $33,176,280Net Assets 2015: $4,134,1842015Assets 2016: $39,943,752Liabilities 2016: $36,248,773Net Assets 2016: $3,694,9792016Assets 2017: $39,315,424Liabilities 2017: $35,823,725Net Assets 2017: $3,491,6992017Assets 2018: $38,613,406Liabilities 2018: $35,039,768Net Assets 2018: $3,573,6382018Assets 2019: $36,932,741Liabilities 2019: $33,256,917Net Assets 2019: $3,675,8242019Assets 2020: $45,620,324Liabilities 2020: $41,841,958Net Assets 2020: $3,778,3662020Assets 2021: $41,394,518Liabilities 2021: $37,501,660Net Assets 2021: $3,892,8582021Assets 2022: $40,323,853Liabilities 2022: $36,488,004Net Assets 2022: $3,835,8492022Assets 2023: $38,877,794Liabilities 2023: $35,176,103Net Assets 2023: $3,701,6912023

Highlighted filing

2023

Assets$38,877,794
Liabilities$35,176,103
Net Assets$3,701,691
Open 2023 Filing

Operations Trend

Revenue Growth27th percentile

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

$3.0M$2.0M$1.0M$0-$1.0MExpenses 2011: $2,335,7252011Expenses 2012: $1,894,7992012Revenue 2013: $1,933,439Expenses 2013: $1,945,480Net Income 2013: -$12,0412013Revenue 2014: $2,110,025Expenses 2014: $2,028,577Net Income 2014: $81,4482014Revenue 2015: $1,944,406Expenses 2015: $1,911,480Net Income 2015: $32,9262015Revenue 2016: $1,982,825Expenses 2016: $2,422,030Net Income 2016: -$439,2052016Revenue 2017: $2,057,774Expenses 2017: $2,256,530Net Income 2017: -$198,7562017Revenue 2018: $2,244,652Expenses 2018: $2,141,242Net Income 2018: $103,4102018Revenue 2019: $2,238,793Expenses 2019: $2,166,337Net Income 2019: $72,4562019Revenue 2020: $2,075,581Expenses 2020: $2,000,910Net Income 2020: $74,6712020Revenue 2021: $2,037,682Expenses 2021: $1,878,337Net Income 2021: $159,3452021Revenue 2022: $2,308,507Expenses 2022: $2,325,225Net Income 2022: -$16,7182022Revenue 2023: $2,352,949Expenses 2023: $2,497,191Net Income 2023: -$144,2422023

Highlighted filing

2023

Revenue$2,352,949
Expenses$2,497,191
Net Income-$144,242
Open 2023 Filing

Filings

Most recent year

2023 • Form 990XML pending. An XML filing is linked for this year, but detailed extraction is still pending.

Open filing
Assets
$38,877,794
Liabilities
$35,176,103
Net assets
$3,701,691
Revenue
$2,352,949
Expenses
$2,497,191
Net income
-$144,242
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$38.9$35.2$3.70$2.35$2.50$0.14
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$40.3$36.5$3.84$2.31$2.33$0.02
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$41.4$37.5$3.89$2.04$1.88$0.16
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$45.6$41.8$3.78$2.08$2.00$0.07
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$36.9$33.3$3.68$2.24$2.17$0.07
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$38.6$35.0$3.57$2.24$2.14$0.10
2017Facts available. Structured filing facts are available, but richer extracted sections are limited.$39.3$35.8$3.49$2.06$2.26$0.20
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$39.9$36.2$3.69$1.98$2.42$0.44
2015XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$37.3$33.2$4.13$1.94$1.91$0.03
2014Detailed filing. Detailed filing data is available for this year.$36.2$32.1$4.10$2.11$2.03$0.08
2013Detailed filing. Detailed filing data is available for this year.$38.6$34.5$4.02$1.93$1.95$0.01
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$34.7$30.7$4.03$1.89
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$32.1$28.0$4.12$2.34
Latest Detailed Filing

The latest 2023 filing currently has linked XML that has not been fully parsed yet. Showing the latest detailed filing from 2022 below.

Jump To
Filing Snapshot
Filing Period
Jan 1, 2022 to Dec 31, 2022
Signed
Feb 10, 2023
Return Version
2022v4.1
Gross Receipts
$2,308,507
Mission and Program Overview

Mission

Our mission is to be the trusted partner in each members' financial life.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$31,351,183$33,736,875▲ $2,385,692
Rtn Earn Endowment Incm Other Fnds$3,892,858$3,835,849▼ $57,009
Investments Program Related$5,613,883$1,601,903▼ $4,011,980
Land, Buildings, and Equipment, Net$1,304,584$1,234,806▼ $69,778
Cash and Non-Interest-Bearing Accounts$438,293$386,661▼ $51,632
Prepaid Expenses and Deferred Charges$294,228$354,911▲ $60,683
Receivables From Officers Etc-$180,333-
Accounts Receivable$2,313$2,345▲ $32
Total Assets$41,394,518$40,323,853▼ $1,070,665
Other Assets Total$2,390,034$2,826,019▲ $435,985
Liabilities
Other Liabilities$37,230,292$34,547,326▼ $2,682,966
Accounts Payable and Accrued Expenses$271,368$1,940,678▲ $1,669,310
Total Liabilities$37,501,660$36,488,004▼ $1,013,656
Net Assets / Fund Balance
Total Net Assets Fund Balance$3,892,858$3,835,849▼ $57,009
Total Liabilities and Net Assets / Fund Balance$41,394,518$40,323,853▼ $1,070,665

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$619,806$452,516-
Land$615,000--
Equipment$0$80,743-
Leasehold Improvements$0$10,446-
Other Assets Org$2,296,358--
Compensation and Service Providers
Top Officer Pay67th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Tim AdamsCEOFT$138,017$138,017

Board Members and Trustees

NameTitle
Stephen EmmottBoard Chair
Harvey Hayes JrBoard Vice Chair
Janice R Mayes-ClaytonBoard Member
Marlin PhillipsBoard Member
Dee FarinoSecretary
Michael CamphireTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$2,069,690
Investment Income
$46,782
Other Revenue
$192,035
Change in Net Assets
$-16,718
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$1,292,779
Salaries, Compensation, and Employee Benefits$642,413
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$500,786$0$0$500,786
Benefits to Members$390,033--$390,033
Other Expenses$292,896$0$0$292,896
Office Expenses$223,275$0$0$223,275
Occupancy$139,634$0$0$139,634
Current Officers, Directors, Trustees, and Key Employees$138,017$0$0$138,017
Fees for Services Other$110,192$0$0$110,192
All Other Expenses$105,625$0$0$105,625
Advertising$93,532$0$0$93,532
Information Technology$88,761$0$0$88,761
Depreciation Depletion$38,657$0$0$38,657
Insurance$24,656$0$0$24,656
Conferences and Meetings$15,868$0$0$15,868
Fees for Services Accounting$14,400$0$0$14,400
Fees for Services Legal$6,694$0$0$6,694
Interest$4,640$0$0$4,640
Other Employee Benefits$3,610$0$0$3,610
Total Functional Expenses$2,325,225$0$0$2,325,225
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-$180,333-
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Shares/Deposits$34,547,326
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
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
Yes
Management duties delegated
No
Filing and Contact Details

Filer

Filer Name
SPCO Credit Union
EIN
74-6106699
Phone
7134558586
Address
12755 N Houston Rosslyn Rd, Houston, TX 77086

Signing Officer

Name
Tim Adams
Title
CEO
Phone
7134558586
Signed
2023-02-10
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Tim Adams
Formed
1968
Legal Domicile
TX
Voting Board Members
7
Independent Board Members
7
Employees
11
Volunteers
0

Preparer

Firm
Greg R Schmidtcpa
Address
2 Baltusrol, AMARILLO, TX 79124
Preparer
Greg R Schmidt CPA
Phone
8552759297
Supplemental Narrative

Additional Explanations

Pt VI, Line 6

“SPCO is a state chartered credit union made up of members.”

Pt VI, Line 7A

“The Board is elected by the members.”

Pt VI, Line 7B

“Members approve the actions of the Board at the Annual Mtg.”

Pt VI, Line 11B

“The Board pays a CPA to prepare and review the Form 990.”

Pt VI, Line 12C

“The Board must disclose any possible conflicts of interest.”

Pt VI, Line 15A

“An annual review of all personnel is discussed with the Board.”

Pt VI, Line 15B

“An annual review of all personnel is discussed with the Board.”

Raw XML AppendixShowing 400 of 466 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/BOYAmt0271368
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt01940678
IRS990/AccountsReceivableGrp/BOYAmt02313
IRS990/AccountsReceivableGrp/EOYAmt02345
IRS990/ActivitiesConductedPrtshpInd0false
IRS990/ActivityOrMissionDesc0Our mission is to be the trusted partner in each members' financial life.
IRS990/AdvertisingGrp/FundraisingAmt00
IRS990/AdvertisingGrp/ManagementAndGeneralAmt00
IRS990/AdvertisingGrp/ProgramServicesAmt093532
IRS990/AdvertisingGrp/TotalAmt093532
IRS990/AllOtherExpensesGrp/FundraisingAmt00
IRS990/AllOtherExpensesGrp/ManagementAndGeneralAmt00
IRS990/AllOtherExpensesGrp/ProgramServicesAmt0105625
IRS990/AllOtherExpensesGrp/TotalAmt0105625
IRS990/AnnualDisclosureCoveredPrsnInd0true
IRS990/BenefitsToMembersGrp/ProgramServicesAmt0390033
IRS990/BenefitsToMembersGrp/TotalAmt0390033
IRS990/BooksInCareOfDetail/PersonNm0Tim Adams
IRS990/BooksInCareOfDetail/PhoneNum07134558586
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt012755 N Houston Rosslyn Rd
IRS990/BooksInCareOfDetail/USAddress/CityNm0Houston
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0TX
IRS990/BooksInCareOfDetail/USAddress/ZIPCd077086
IRS990/BusinessRlnWith35CtrlEntInd0false
IRS990/BusinessRlnWithFamMemInd0false
IRS990/BusinessRlnWithOrgMemInd0false
IRS990/CashNonInterestBearingGrp/BOYAmt0438293
IRS990/CashNonInterestBearingGrp/EOYAmt0386661
IRS990/ChangeToOrgDocumentsInd0false
IRS990/CollectionsOfArtInd0false
IRS990/CompCurrentOfcrDirectorsGrp/FundraisingAmt00
IRS990/CompCurrentOfcrDirectorsGrp/ManagementAndGeneralAmt00
IRS990/CompCurrentOfcrDirectorsGrp/ProgramServicesAmt0138017
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt0138017
IRS990/CompensationFromOtherSrcsInd0false
IRS990/CompensationProcessCEOInd0true
IRS990/CompensationProcessOtherInd0true
IRS990/ConferencesMeetingsGrp/FundraisingAmt00
IRS990/ConferencesMeetingsGrp/ManagementAndGeneralAmt00
IRS990/ConferencesMeetingsGrp/ProgramServicesAmt015868
IRS990/ConferencesMeetingsGrp/TotalAmt015868
IRS990/ConflictOfInterestPolicyInd0true
IRS990/ConservationEasementsInd0false
IRS990/ConsolidatedAuditFinclStmtInd0false
IRS990/CreditCounselingInd0false
IRS990/CYBenefitsPaidToMembersAmt0390033
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt046782
IRS990/CYOtherExpensesAmt01292779
IRS990/CYOtherRevenueAmt0192035
IRS990/CYProgramServiceRevenueAmt02069690
IRS990/CYRevenuesLessExpensesAmt0-16718
IRS990/CYSalariesCompEmpBnftPaidAmt0642413
IRS990/CYTotalExpensesAmt02325225
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt02308507
IRS990/DecisionsSubjectToApprovaInd0true
IRS990/DeductibleArtContributionInd0false
IRS990/DeductibleNonCashContriInd0false
IRS990/DelegationOfMgmtDutiesInd0false
IRS990/DepreciationDepletionGrp/FundraisingAmt00
IRS990/DepreciationDepletionGrp/ManagementAndGeneralAmt00
IRS990/DepreciationDepletionGrp/ProgramServicesAmt038657
IRS990/DepreciationDepletionGrp/TotalAmt038657
IRS990/Desc0SPCO offers all types of loan products at competetive rates
IRS990/DescribedInSection501c3Ind0false
IRS990/DisregardedEntityInd0false
IRS990/DocumentRetentionPolicyInd0false
IRS990/DonorAdvisedFundInd0false
IRS990/DonorRstrOrQuasiEndowmentsInd0false
IRS990/ElectionOfBoardMembersInd0true
IRS990/EmployeeCnt011
IRS990/EmploymentTaxReturnsFiledInd0true
IRS990/FamilyOrBusinessRlnInd0false
IRS990/FederalGrantAuditRequiredInd0false
IRS990/FeesForServicesAccountingGrp/FundraisingAmt00
IRS990/FeesForServicesAccountingGrp/ManagementAndGeneralAmt00
IRS990/FeesForServicesAccountingGrp/ProgramServicesAmt014400
IRS990/FeesForServicesAccountingGrp/TotalAmt014400
IRS990/FeesForServicesLegalGrp/FundraisingAmt00
IRS990/FeesForServicesLegalGrp/ManagementAndGeneralAmt00
IRS990/FeesForServicesLegalGrp/ProgramServicesAmt06694
IRS990/FeesForServicesLegalGrp/TotalAmt06694
IRS990/FeesForServicesOtherGrp/FundraisingAmt00
IRS990/FeesForServicesOtherGrp/ManagementAndGeneralAmt00
IRS990/FeesForServicesOtherGrp/ProgramServicesAmt0110192
IRS990/FeesForServicesOtherGrp/TotalAmt0110192
IRS990/ForeignActivitiesInd0false
IRS990/ForeignFinancialAccountInd0false
IRS990/ForeignOfficeInd0false
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt01.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt11.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt21.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt31.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt41.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt51.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt640.00
IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd1X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd2X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd3X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd4X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd5X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd6X
IRS990/Form990PartVIISectionAGrp/KeyEmployeeInd0X
IRS990/Form990PartVIISectionAGrp/OfficerInd0X
IRS990/Form990PartVIISectionAGrp/OfficerInd1X
IRS990/Form990PartVIISectionAGrp/OfficerInd2X
IRS990/Form990PartVIISectionAGrp/OfficerInd3X
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt00
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt10
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt20
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt30
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt40
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt50
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt60
IRS990/Form990PartVIISectionAGrp/PersonNm0Stephen Emmott
IRS990/Form990PartVIISectionAGrp/PersonNm1Harvey Hayes Jr
IRS990/Form990PartVIISectionAGrp/PersonNm2Dee Farino
IRS990/Form990PartVIISectionAGrp/PersonNm3Michael Camphire
IRS990/Form990PartVIISectionAGrp/PersonNm4Marlin Phillips
IRS990/Form990PartVIISectionAGrp/PersonNm5Janice R Mayes-Clayton
IRS990/Form990PartVIISectionAGrp/PersonNm6Tim Adams
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt6138017
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt60
IRS990/Form990PartVIISectionAGrp/TitleTxt0Board Chair
IRS990/Form990PartVIISectionAGrp/TitleTxt1Board Vice Chair
IRS990/Form990PartVIISectionAGrp/TitleTxt2Secretary
IRS990/Form990PartVIISectionAGrp/TitleTxt3Treasurer
IRS990/Form990PartVIISectionAGrp/TitleTxt4Board Member
IRS990/Form990PartVIISectionAGrp/TitleTxt5Board Member
IRS990/Form990PartVIISectionAGrp/TitleTxt6CEO
IRS990/Form990ProvidedToGvrnBodyInd0true
IRS990/FormationYr01968
IRS990/FormerOfcrEmployeesListedInd0false
IRS990/FSAuditedInd0false
IRS990/FundraisingActivitiesInd0false
IRS990/GamingActivitiesInd0false
IRS990/GoverningBodyVotingMembersCnt07
IRS990/GrantsToIndividualsInd0false
IRS990/GrantsToOrganizationsInd0false
IRS990/GrantToRelatedPersonInd0false
IRS990/GrossReceiptsAmt02308507
IRS990/GroupReturnForAffiliatesInd0false
IRS990/IncludeFIN48FootnoteInd0false
IRS990/IndependentAuditFinclStmtInd0false
IRS990/IndependentVotingMemberCnt07
IRS990/IndivRcvdGreaterThan100KCnt01
IRS990/IndoorTanningServicesInd0false
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InformationTechnologyGrp/FundraisingAmt00
IRS990/InformationTechnologyGrp/ManagementAndGeneralAmt00
IRS990/InformationTechnologyGrp/ProgramServicesAmt088761
IRS990/InformationTechnologyGrp/TotalAmt088761
IRS990/InsuranceGrp/FundraisingAmt00
IRS990/InsuranceGrp/ManagementAndGeneralAmt00
IRS990/InsuranceGrp/ProgramServicesAmt024656
IRS990/InsuranceGrp/TotalAmt024656
IRS990/InterestGrp/FundraisingAmt00
IRS990/InterestGrp/ManagementAndGeneralAmt00
IRS990/InterestGrp/ProgramServicesAmt04640
IRS990/InterestGrp/TotalAmt04640
IRS990/InvestmentIncomeGrp/ExclusionAmt00
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt046782
IRS990/InvestmentIncomeGrp/UnrelatedBusinessRevenueAmt00
IRS990/InvestmentInJointVentureInd0false
IRS990/InvestmentsProgramRelatedGrp/BOYAmt05613883
IRS990/InvestmentsProgramRelatedGrp/EOYAmt01601903
IRS990/IRPDocumentCnt0602
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt0543705
IRS990/LandBldgEquipBasisNetGrp/BOYAmt01304584
IRS990/LandBldgEquipBasisNetGrp/EOYAmt01234806
IRS990/LandBldgEquipCostOrOtherBssAmt01778511
IRS990/LegalDomicileStateCd0TX
IRS990/LoanOutstandingInd0true
IRS990/LocalChaptersInd0false
IRS990/MaterialDiversionOrMisuseInd0false
IRS990/MembersOrStockholdersInd0true
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd0true
IRS990/MinutesOfGoverningBodyInd0true
IRS990/MiscellaneousRevenueGrp/ExclusionAmt00
IRS990/MiscellaneousRevenueGrp/RelatedOrExemptFuncIncomeAmt0192035
IRS990/MiscellaneousRevenueGrp/TotalRevenueColumnAmt0192035
IRS990/MiscellaneousRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/MissionDesc0Our mission is to be the trusted partner in each members' financial life.
IRS990/MoreThan5000KToIndividualsInd0false
IRS990/MoreThan5000KToOrgInd0false
IRS990/NetAssetsOrFundBalancesBOYAmt03892858
IRS990/NetAssetsOrFundBalancesEOYAmt03835849
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NetUnrlzdGainsLossesInvstAmt0-40291
IRS990/NondeductibleContributionsInd0false
IRS990/OccupancyGrp/FundraisingAmt00
IRS990/OccupancyGrp/ManagementAndGeneralAmt00
IRS990/OccupancyGrp/ProgramServicesAmt0139634
IRS990/OccupancyGrp/TotalAmt0139634
IRS990/OfficeExpensesGrp/FundraisingAmt00
IRS990/OfficeExpensesGrp/ManagementAndGeneralAmt00
IRS990/OfficeExpensesGrp/ProgramServicesAmt0223275
IRS990/OfficeExpensesGrp/TotalAmt0223275
IRS990/OfficerMailingAddressInd0false
IRS990/OperateHospitalInd0false
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt02390034
IRS990/OtherAssetsTotalGrp/EOYAmt02826019
IRS990/OtherEmployeeBenefitsGrp/FundraisingAmt00
IRS990/OtherEmployeeBenefitsGrp/ManagementAndGeneralAmt00
IRS990/OtherEmployeeBenefitsGrp/ProgramServicesAmt03610
IRS990/OtherEmployeeBenefitsGrp/TotalAmt03610
IRS990/OtherExpensesGrp/Desc0Training
IRS990/OtherExpensesGrp/Desc1Association Dues
IRS990/OtherExpensesGrp/Desc2Loan Servicing
IRS990/OtherExpensesGrp/Desc3Loan Loss Provision
IRS990/OtherExpensesGrp/FundraisingAmt00
IRS990/OtherExpensesGrp/FundraisingAmt10
IRS990/OtherExpensesGrp/FundraisingAmt20
IRS990/OtherExpensesGrp/FundraisingAmt30
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt00
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt10
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt20
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt30
IRS990/OtherExpensesGrp/ProgramServicesAmt07164
IRS990/OtherExpensesGrp/ProgramServicesAmt18116
IRS990/OtherExpensesGrp/ProgramServicesAmt2118669
IRS990/OtherExpensesGrp/ProgramServicesAmt3292896
IRS990/OtherExpensesGrp/TotalAmt07164
IRS990/OtherExpensesGrp/TotalAmt18116
IRS990/OtherExpensesGrp/TotalAmt2118669
IRS990/OtherExpensesGrp/TotalAmt3292896
IRS990/OtherLiabilitiesGrp/BOYAmt037230292
IRS990/OtherLiabilitiesGrp/EOYAmt034547326
IRS990/OtherRevenueTotalAmt0192035
IRS990/OtherSalariesAndWagesGrp/FundraisingAmt00
IRS990/OtherSalariesAndWagesGrp/ManagementAndGeneralAmt00
IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt0500786
IRS990/OtherSalariesAndWagesGrp/TotalAmt0500786
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt031351183
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt033736875
IRS990/PartialLiquidationInd0false
IRS990/PoliticalCampaignActyInd0false
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0294228
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0354911
IRS990/PrincipalOfficerNm0Tim Adams
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/BusinessCd2522100
IRS990/ProgramServiceRevenueGrp/Desc0Interest on Loans
IRS990/ProgramServiceRevenueGrp/Desc1Fees and Charges
IRS990/ProgramServiceRevenueGrp/Desc2Other Income
IRS990/ProgramServiceRevenueGrp/ExclusionAmt00
IRS990/ProgramServiceRevenueGrp/ExclusionAmt10
IRS990/ProgramServiceRevenueGrp/ExclusionAmt20
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt01791105
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt197152
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt2181433
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt10
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt20
IRS990/ProgSrvcAccomActy2Grp/Desc0SPCO offers savings products at competetive rates
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYBenefitsPaidToMembersAmt0509360
IRS990/PYInvestmentIncomeAmt048273
IRS990/PYOtherExpensesAmt0767754
IRS990/PYProgramServiceRevenueAmt01989409
IRS990/PYRevenuesLessExpensesAmt0159345
IRS990/PYSalariesCompEmpBnftPaidAmt0601223
IRS990/PYTotalExpensesAmt01878337
IRS990/PYTotalRevenueAmt02037682
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt0180333
IRS990/ReconcilationRevenueExpnssAmt0-16718
IRS990/RegularMonitoringEnfrcInd0true
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0true
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt03892858
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt03835849
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/BuildingsGrp/BookValueAmt0619806
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0452516
IRS990ScheduleD/BuildingsGrp/InvestmentCostOrOtherBasisAmt01072322
IRS990ScheduleD/EquipmentGrp/BookValueAmt00
IRS990ScheduleD/EquipmentGrp/DepreciationAmt080743
IRS990ScheduleD/EquipmentGrp/InvestmentCostOrOtherBasisAmt080743
IRS990ScheduleD/LandGrp/BookValueAmt0615000
IRS990ScheduleD/LandGrp/InvestmentCostOrOtherBasisAmt0615000
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt010446
IRS990ScheduleD/LeaseholdImprovementsGrp/InvestmentCostOrOtherBasisAmt010446
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt0159467
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt1370194
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt22296358
IRS990ScheduleD/OtherAssetsOrgGrp/Desc0Accrued Income
IRS990ScheduleD/OtherAssetsOrgGrp/Desc1NCUSIF Deposit
IRS990ScheduleD/OtherAssetsOrgGrp/Desc2Split Dollar Investment
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt034547326
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0Member Shares/Deposits
IRS990ScheduleD/TotalBookValueLandBuildingsAmt01234806
IRS990ScheduleD/TotalBookValueOtherAssetsAmt02826019
IRS990ScheduleD/TotalLiabilityAmt034547326
IRS990/ScheduleJRequiredInd0false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt030524
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt112496
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt28356
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt363147
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt465810
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd0true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd1true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd2true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd3true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd4true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd0false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd1false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd2false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd3false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd4false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt0Unsecured
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt1Unsecured
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt2Unsecured
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt3Auto
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt4Auto/Mort
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanToOrganizationInd0X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanToOrganizationInd1X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanToOrganizationInd2X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanToOrganizationInd3X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanToOrganizationInd4X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt032219
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt118575
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt29425
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt363147
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt4154800
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm0Tim Adams
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm1Harvey Hayes
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm2Marlin Phillips
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm3Steve Emmott
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm4Janice Mayes-Clayton
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt0CEO
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt1Board
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt2Board
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt3Board
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt4Board
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd0true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd1true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd2true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd3true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd4true
IRS990ScheduleL/TotalBalanceDueAmt0180333
IRS990/ScheduleORequiredInd0false
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0SPCO is a state chartered credit union made up of members.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1The Board is elected by the members.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2Members approve the actions of the Board at the Annual Mtg.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3The Board pays a CPA to prepare and review the Form 990.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4The Board must disclose any possible conflicts of interest.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5An annual review of all personnel is discussed with the Board.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6An annual review of all personnel is discussed with the Board.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Pt VI, Line 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Pt VI, Line 7a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Pt VI, Line 7b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Pt VI, Line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Pt VI, Line 12c
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Pt VI, Line 15a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6Pt VI, Line 15b
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt041394518
IRS990/TotalAssetsEOYAmt040323853
IRS990/TotalAssetsGrp/BOYAmt041394518
IRS990/TotalAssetsGrp/EOYAmt040323853
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt011
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00

Document Assets

No mirrored PDF or thumbnail assets are attached yet.