Civic Intelligence

Spco Credit Union

990 • Fiscal year 2012 • EIN 74-6106699

Jan 01, 2012 to Dec 31, 2012 • Filed on Feb 23, 2013

Organization ProfileWWW.SPCOCU.ORG

View Organization Page

12755 N Houston Rosslyn Rd77086
Siviq Scores

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

Liabilities / Assets

53rd percentile

0.88x

Higher debt load relative to assets than 53% of similar nonprofits.

2012 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2012

Liabilities / Revenue

Score unavailable

No value available

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

Source year 2012

Net Margin

Score unavailable

No value available

Net margin requires both revenue and expenses on this filing.

Source year 2012

Top Officer Pay

Score unavailable

No value available

This filing does not contain officer compensation rows.

Source year 2012

Asset Growth

86th percentile

8.3%

Faster asset growth than 86% of similar nonprofits.

2012 filings • 501(c)14 • $25M-$50M nonprofits • Annualized from 2011 to 2012

Revenue Growth

Score unavailable

No value available

No valid filing value is available for this score.

Balance Sheet
Liabilities / Assets53rd percentile

Assets

Up

$34,729,218

Up $2,649,738 (+8.3%) from 2011

Net Assets

Down

$4,031,851

Down $87,225 (-2.1%) from 2011

Liabilities

Up

$30,697,367

Up $2,736,963 (+9.8%) from 2011

Revenue And Expenses
Liabilities / RevenueScore unavailableNet MarginScore unavailable

Revenue

-

No earlier filing loaded for comparison.

Expenses

Down

$1,894,799

Down $440,926 (-19%) from 2011

Net Income

-

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth86th percentile

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

$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

2012

Assets$34,729,218
Liabilities$30,697,367
Net Assets$4,031,851
Open 2012 Filing

Operations Trend

Revenue GrowthScore unavailable

Revenue, expenses, and net income across loaded years, with this 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

2012

Revenue-
Expenses$1,894,799
Net Income-
Open 2012 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2012 to Dec 31, 2012
Signed
Feb 23, 2013
Return Version
2012v2.1
Gross Receipts
$1,807,574
Mission and Program Overview

Mission

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

Filing and Contact Details

Filer

EIN
74-6106699
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IRS990ScheduleO/GeneralExplanation/Explanation0SPCO IS A STATE CHARTERED CREDIT UNION COMPRISED OF OWNER/MEMBERS FROM A COMMON FIELD OF MEMBERSHIP AND WHO HAVE MADE DEPOSITS IN THEIR SHARE ACCOUNTS FOR THE MINIMUM AUTHORIZED MEMBERBER FEE.
IRS990ScheduleO/GeneralExplanation/Explanation1THE MEMBERS HOLD ANNUAL MEETINGS AT WHICH TIME THE MEMBERS PRESENT ELECT OPEN POSITIONS FOR BOARD OF DIRECTORS.
IRS990ScheduleO/GeneralExplanation/Explanation2A COPY OF FORM 990 IS PROVIDED TO EACH BOARD MEMBER FOR REVIEW. AFTER REVIEW AND DISCUSSION, THE FORM IS APPROVED FOR REMITTANCE TO THE IRS.
IRS990ScheduleO/GeneralExplanation/Explanation3ALL BOARD OF DIRECTORS AND KEY EMPLOYEES ARE REQUIRED TO FILE AN ANNUAL CONFLICT OF INTEREST DISCLOSURE STATEMENT. MANAGEMENT MONITORS THESE STATEMENTS TO DETERMINE ANY OUTSIDE ENTITY ACTIVITY AND THE NATURE OF SUCH INTERESTS. THE STATE EXAMINERS AS WELL AS THE AUDITORS ALSO REVIEW THESE FORMS ANNUALLY.
IRS990ScheduleO/GeneralExplanation/Explanation4BOARD OF DIRECTORS REVIEW THE COMPENSATION PAID TO THEIR KEY EMPLOYEES ON AN ANNUAL BASIS AND COMPARE COMPENSATION LEVELS AGAINST INDUSTRY STANDARDS, CREDIT UNION SIZE, AND SERVICES. ALL DELIBERATIONS ARE FORMALLY RECORDED IN APPROPRIATE OFFICIAL MINUTES.
IRS990ScheduleO/GeneralExplanation/Explanation5THE CREDIT UNION POSTS ITS FINANCIAL STATEMENTS IN THE CREDIT UNION LOBBY FOR ALL MEMBERS TO REVIEW. THE GOVERNANCE DOCUMENTS AND TAX RETURNS ARE AVAILABLE TO INTERESTED PARTIES ON REQUEST.
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IRS990ScheduleO/GeneralExplanation/Identifier3ENFORCEMENT OF CONFLICTS POLICY
IRS990ScheduleO/GeneralExplanation/Identifier4COMPENSATION PROCESS FOR OFFICERS
IRS990ScheduleO/GeneralExplanation/Identifier5GOVERNING DOCUMENTS DISCLOSURE EXPLANATION
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IRS990/TotalRevenuePriorYear01650182
IRS990/TotalRevenue/RelatedOrExemptFunctionIncome01733512
IRS990/TotalRevenue/TotalRevenueColumn01807574
IRS990/TotalRevenue/UnrelatedBusinessRevenue074062
IRS990/TypeOfOrganizationCorporation0X
IRS990/UnrelatedBusinessIncome0true
IRS990/WebSite0XXX.SPCOCU.ORG
IRS990/WhistleblowerPolicy0false
IRS990/YearFormation01968
ReturnHeader/BuildTS02016-03-07 17:11:31Z
ReturnHeader/Filer/EIN0746106699
ReturnHeader/Filer/Name/BusinessNameLine10SPCO CREDIT UNION
ReturnHeader/Filer/NameControl0SPCO
ReturnHeader/Filer/Phone07134558586
ReturnHeader/Filer/USAddress/AddressLine1012755 N HOUSTON ROSSLYN RD
ReturnHeader/Filer/USAddress/City0HOUSTON
ReturnHeader/Filer/USAddress/State0TX
ReturnHeader/Filer/USAddress/ZIPCode077086
ReturnHeader/Officer/AuthorizeThirdParty0true
ReturnHeader/Officer/DateSigned02013-02-23
ReturnHeader/Officer/Name0TIM ADAMS
ReturnHeader/Officer/Phone07134558586
ReturnHeader/Officer/Title0PRESIDENT/CEO
ReturnHeader/Preparer/DatePrepared02013-04-23
ReturnHeader/PreparerFirm/PreparerFirmBusinessName/BusinessNameLine10LEMA & ASSOCIATES
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/AddressLine10610 E MARKET ST STE 2906
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/City0SAN ANTONIO
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/State0TX
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/ZIPCode078205
ReturnHeader/Preparer/Name0ANGEL R LEMA CPA
ReturnHeader/Preparer/Phone02102124822
ReturnHeader/Preparer/SelfEmployed0X

Document Assets

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Filings

Displayed year

2012 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$34,729,218
Liabilities
$30,697,367
Net assets
$4,031,851
Revenue
-
Expenses
$1,894,799
Net income
-
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