Civic Intelligence

Spco Credit Union

990 • Fiscal year 2013 • EIN 74-6106699

Jan 01, 2013 to Dec 31, 2013 • Filed on Mar 16, 2014

Organization ProfileWWW.SPCOCU.ORG

View Organization Page

12755 N Houston Rosslyn Rd77086

(713) 455-8586

Siviq Scores

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

Liabilities / Assets

67th percentile

0.90x

Higher debt load relative to assets than 67% of similar nonprofits.

2013 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2013

Liabilities / Revenue

39th percentile

17.86x

Higher debt load relative to revenue than 39% of similar nonprofits.

2013 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2013

Net Margin

19th percentile

-0.6%

Higher net margin than 19% of similar nonprofits.

2013 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2013

Top Officer Pay

40th percentile

$86,726

Higher top officer pay than 40% of similar nonprofits.

Top officer pay equals 4.5% of source-year revenue.

2013 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2013

Asset Growth

95th percentile

11%

Faster asset growth than 95% of similar nonprofits.

2013 filings • 501(c)14 • $25M-$50M nonprofits • Annualized from 2012 to 2013

Revenue Growth

Score unavailable

No value available

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

Source year 2013

Balance Sheet
Liabilities / Assets67th percentile

Assets

Up

$38,550,950

Up $3,821,732 (+11%) from 2012

Net Assets

Down

$4,019,810

Down $12,041 (-0.3%) from 2012

Liabilities

Up

$34,531,140

Up $3,833,773 (+12%) from 2012

Revenue And Expenses
Liabilities / Revenue39th percentileNet Margin19th percentile

Revenue

$1,933,439

No earlier filing loaded for comparison.

Expenses

Up

$1,945,480

Up $50,681 (+2.7%) from 2012

Net Income

-$12,041

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth95th 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

2013

Assets$38,550,950
Liabilities$34,531,140
Net Assets$4,019,810
Open 2013 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

2013

Revenue$1,933,439
Expenses$1,945,480
Net Income-$12,041
Open 2013 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2013 to Dec 31, 2013
Signed
Mar 16, 2014
Return Version
2013v3.1
Gross Receipts
$1,933,439
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$24,467,857$34,538,995▲ $10,071,138
Rtn Earn Endowment Incm Other Fnds$4,031,851$4,019,810▼ $12,041
Investments Program Related$8,206,802$1,940,011▼ $6,266,791
Land, Buildings, and Equipment, Net$1,473,013$1,433,669▼ $39,344
Prepaid Expenses and Deferred Charges$128,103$303,430▲ $175,327
Cash and Non-Interest-Bearing Accounts$341,324$240,434▼ $100,890
Accounts Receivable$58,458$49,176▼ $9,282
Total Assets$34,729,218$38,550,950▲ $3,821,732
Other Assets Total$53,661$45,235▼ $8,426
Liabilities
Other Liabilities$30,246,412$33,958,561▲ $3,712,149
Accounts Payable and Accrued Expenses$450,955$572,579▲ $121,624
Total Liabilities$30,697,367$34,531,140▲ $3,833,773
Net Assets / Fund Balance
Total Net Assets Fund Balance$4,031,851$4,019,810▼ $12,041
Total Liabilities and Net Assets / Fund Balance$34,729,218$38,550,950▲ $3,821,732

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$745,631$129,126$874,757
Land$615,000-$615,000
Equipment$29,681$171,127$200,808
Other Land Buildings$42,240$8,060$50,300
Leasehold Improvements$1,117$8,514$9,631
Investment Program Related Org$15,200--
Compensation and Service Providers
Top Officer Pay40th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Tim AdamsDirector/preFT$86,726$86,726

Board Members and Trustees

NameTitle
William WomackChairman
Harvey HayesVice Chairma
Charlie JohnsonDirector
Gary PattersonDirector
James ReynoldsDirector
Jimmie BulanekDirector
Marlin PhillipsDirector
Steve EmmottDirector
Dee FarinoSecretary
Gloria LongneckerTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$1,817,655
Investment Income
$43,931
Other Revenue
$71,853
Change in Net Assets
$-12,041
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$949,421
Salaries, Compensation, and Employee Benefits$740,109
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$720,761--$720,761
Office Expenses$296,919--$296,919
Benefits to Members$255,950--$255,950
Fees for Services Other$187,881--$187,881
Occupancy$135,969--$135,969
Advertising$64,534--$64,534
Depreciation Depletion$49,151--$49,151
Insurance$20,223--$20,223
Other Employee Benefits$17,683--$17,683
Conferences and Meetings$8,393--$8,393
Pension Plan Contributions$1,665--$1,665
Other Expenses$1,642--$1,642
Total Functional Expenses$1,945,480$0$0$1,945,480
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
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Shares/deposits$33,958,561
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
Yes
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
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, Page 6, Part VI, Line 6

“Spco 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.”

Form 990, Page 6, Part VI, Line 7A

“The members hold annual meetings at which time the members present elect open positions for board of directors.”

Form 990, Page 6, Part VI, Line 11B

“A 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.”

Form 990, Page 6, Part VI, Line 12C

“All 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.”

Form 990, Page 6, Part VI, Line 15B

“Board 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.”

Form 990, Page 6, Part VI, Line 19

“The 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.”

Filing and Contact Details

Filer

EIN
74-6106699
Phone
7134558586

Signing Officer

Name
Tim Adams
Title
President/CEO
Phone
7134558586
Signed
2014-03-16
Discuss with paid preparer
Yes

Organization Details

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

Preparer

Preparer
Angel R Lema CPA
Phone
2102124822
Supplemental Narrative

Additional Explanations

Form 990, Page 2, Part III, Line 4D

“Credit union increased outstanding loans by 10 million in year 2013. Credit union increased total deposits by 3.7 million in year 2013.”

Raw XML AppendixShowing 400 of 409 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.

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IRS990/PensionPlanContributionsGrp/TotalAmt01665
IRS990/PoliticalCampaignActyInd0false
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0128103
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0303430
IRS990/PrincipalOfficerNm0TIM ADAMS
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/Desc0INTEREST ON LOANS
IRS990/ProgramServiceRevenueGrp/Desc1FEES AND CHARGES
IRS990/ProgramServiceRevenueGrp/Desc2OTHER INCOME
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt01534488
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt1169935
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt2113232
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt01534488
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1169935
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt2113232
IRS990/ProgSrvcAccomActyOtherGrp/Desc0CREDIT UNION INCREASED OUTSTANDING LOANS BY 10 MILLION IN YEAR 2013. CREDIT UNION INCREASED TOTAL DEPOSITS BY 3.7 MILLION IN YEAR 2013.
IRS990/ProgSrvcAccomActyOtherGrp/ExpenseAmt01945480
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYBenefitsPaidToMembersAmt0283898
IRS990/PYInvestmentIncomeAmt0124438
IRS990/PYOtherExpensesAmt01010970
IRS990/PYOtherRevenueAmt074062
IRS990/PYProgramServiceRevenueAmt01609074
IRS990/PYRevenuesLessExpensesAmt0-87225
IRS990/PYSalariesCompEmpBnftPaidAmt0599931
IRS990/PYTotalExpensesAmt01894799
IRS990/PYTotalRevenueAmt01807574
IRS990/ReconcilationRevenueExpnssAmt0-12041
IRS990/RegularMonitoringEnfrcInd0true
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0true
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt04031851
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt04019810
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/BuildingsGrp/BookValueAmt0745631
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0129126
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt0874757
IRS990ScheduleD/EquipmentGrp/BookValueAmt029681
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0171127
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt0200808
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt01241000
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt1291211
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt2250238
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt3142362
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt415200
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc0CERT. OF DEPOSIT
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc1NCUSIF DEPOSIT
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc2CATALYST DEPOSITS
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc3CUSO INVESTMENT
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc4FEDERAL HOME LOAN BK
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc5CONTRIBUTED CAPITAL
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd0C
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd1C
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd2C
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd3C
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd4C
IRS990ScheduleD/LandGrp/BookValueAmt0615000
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0615000
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt01117
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt08514
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt09631
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt042240
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt08060
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt050300
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt033958561
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER SHARES/DEPOSITS
IRS990ScheduleD/TotalBookValueLandBuildingsAmt01433669
IRS990ScheduleD/TotalBookValueProgramRltdAmt01940011
IRS990ScheduleD/TotalLiabilityAmt033958561
IRS990/ScheduleJRequiredInd0false
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0CREDIT UNION INCREASED OUTSTANDING LOANS BY 10 MILLION IN YEAR 2013. CREDIT UNION INCREASED TOTAL DEPOSITS BY 3.7 MILLION IN YEAR 2013.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1SPCO 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/SupplementalInformationDetail/ExplanationTxt2THE MEMBERS HOLD ANNUAL MEETINGS AT WHICH TIME THE MEMBERS PRESENT ELECT OPEN POSITIONS FOR BOARD OF DIRECTORS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3A 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/SupplementalInformationDetail/ExplanationTxt4ALL 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/SupplementalInformationDetail/ExplanationTxt5BOARD 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/SupplementalInformationDetail/ExplanationTxt6THE 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.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PAGE 2, PART III, LINE 4D
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PAGE 6, PART VI, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PAGE 6, PART VI, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PAGE 6, PART VI, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PAGE 6, PART VI, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PAGE 6, PART VI, LINE 15B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PAGE 6, PART VI, LINE 19
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt034729218
IRS990/TotalAssetsEOYAmt038550950
IRS990/TotalAssetsGrp/BOYAmt034729218
IRS990/TotalAssetsGrp/EOYAmt038550950
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt00
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt01945480
IRS990/TotalFunctionalExpensesGrp/TotalAmt01945480
IRS990/TotalGrossUBIAmt071853
IRS990/TotalLiabilitiesBOYAmt030697367
IRS990/TotalLiabilitiesEOYAmt034531140
IRS990/TotalLiabilitiesGrp/BOYAmt030697367
IRS990/TotalLiabilitiesGrp/EOYAmt034531140
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt04031851
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt04019810
IRS990/TotalOtherProgSrvcExpenseAmt01945480
IRS990/TotalProgramServiceExpensesAmt01945480
IRS990/TotalProgramServiceRevenueAmt01817655
IRS990/TotalReportableCompFromOrgAmt086726
IRS990/TotalRevenueGrp/ExclusionAmt043931
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt01817655
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt01933439
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt071853
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt034729218
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt038550950
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0true
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1012755 N HOUSTON ROSSLYN RD
IRS990/USAddress/City0HOUSTON
IRS990/USAddress/State0TX
IRS990/USAddress/ZIPCode077086
IRS990/VotingMembersGoverningBodyCnt011
IRS990/VotingMembersIndependentCnt011
IRS990/WebsiteAddressTxt0WWW.SPCOCU.ORG
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02015-11-30 17:44:51Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0TIM ADAMS
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT/CEO
ReturnHeader/BusinessOfficerGrp/PhoneNum07134558586
ReturnHeader/BusinessOfficerGrp/SignatureDt02014-03-16
ReturnHeader/Filer/BusinessName/BusinessNameLine10SPCO CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0SPCO
ReturnHeader/Filer/EIN0746106699
ReturnHeader/Filer/PhoneNum07134558586
ReturnHeader/Filer/USAddress/AddressLine1012755 N HOUSTON ROSSLYN RD
ReturnHeader/Filer/USAddress/City0HOUSTON
ReturnHeader/Filer/USAddress/State0TX
ReturnHeader/Filer/USAddress/ZIPCode077086
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine10LEMA & ASSOCIATES
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine10610 E MARKET ST STE 2906
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/City0SAN ANTONIO
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/State0TX
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCode0782052680

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2013 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$38,550,950
Liabilities
$34,531,140
Net assets
$4,019,810
Revenue
$1,933,439
Expenses
$1,945,480
Net income
-$12,041
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