Civic Intelligence

Spco Credit Union

990 • Fiscal year 2014 • EIN 74-6106699

Jan 01, 2014 to Dec 31, 2014 • Filed on Jan 21, 2015

Organization ProfileWWW.SPCOCU.ORG

View Organization Page

12755 N Houston Rosslyn RdHouston, TX 77086

(713) 455-8586

Siviq Scores

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

Liabilities / Assets

55th percentile

0.89x

Higher debt load relative to assets than 55% of similar nonprofits.

2014 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2014

Liabilities / Revenue

21st percentile

15.23x

Higher debt load relative to revenue than 21% of similar nonprofits.

2014 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2014

Net Margin

35th percentile

3.9%

Higher net margin than 35% of similar nonprofits.

2014 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2014

Top Officer Pay

79th percentile

$123,411

Higher top officer pay than 79% of similar nonprofits.

Top officer pay equals 5.8% of source-year revenue.

2014 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2014

Asset Growth

3rd percentile

-6.0%

Faster asset growth than 3% of similar nonprofits.

2014 filings • 501(c)14 • $25M-$50M nonprofits • Annualized from 2013 to 2014

Revenue Growth

89th percentile

9.1%

Faster revenue growth than 89% of similar nonprofits.

2014 filings • 501(c)14 • $25M-$50M nonprofits • Annualized from 2013 to 2014

Balance Sheet
Liabilities / Assets55th percentile

Assets

Down

$36,240,506

Down $2,310,444 (-6.0%) from 2013

Net Assets

Up

$4,101,258

Up $81,448 (+2.0%) from 2013

Liabilities

Down

$32,139,248

Down $2,391,892 (-6.9%) from 2013

Revenue And Expenses
Liabilities / Revenue21st percentileNet Margin35th percentile

Revenue

Up

$2,110,025

Up $176,586 (+9.1%) from 2013

Expenses

Up

$2,028,577

Up $83,097 (+4.3%) from 2013

Net Income

Up

$81,448

Up $93,489 (+776%) from 2013

Historical Trend

Balance Sheet Trend

Asset Growth3rd 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

2014

Assets$36,240,506
Liabilities$32,139,248
Net Assets$4,101,258
Open 2014 Filing

Operations Trend

Revenue Growth89th percentile

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

2014

Revenue$2,110,025
Expenses$2,028,577
Net Income$81,448
Open 2014 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2014 to Dec 31, 2014
Signed
Jan 21, 2015
Return Version
2014v5.0
Gross Receipts
$2,110,025
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$34,538,995$31,246,991▼ $3,292,004
Rtn Earn Endowment Incm Other Fnds$4,019,810$4,101,258▲ $81,448
Investments Program Related$1,940,011$2,726,979▲ $786,968
Land, Buildings, and Equipment, Net$1,433,669$1,404,293▼ $29,376
Cash and Non-Interest-Bearing Accounts$240,434$405,822▲ $165,388
Prepaid Expenses and Deferred Charges$303,430$342,826▲ $39,396
Accounts Receivable$49,176$1,032▼ $48,144
Total Assets$38,550,950$36,240,506▼ $2,310,444
Other Assets Total$45,235$112,563▲ $67,328
Liabilities
Other Liabilities$33,958,561$30,878,881▼ $3,079,680
Accounts Payable and Accrued Expenses$572,579$1,260,367▲ $687,788
Total Liabilities$34,531,140$32,139,248▼ $2,391,892
Net Assets / Fund Balance
Total Net Assets Fund Balance$4,019,810$4,101,258▲ $81,448
Total Liabilities and Net Assets / Fund Balance$38,550,950$36,240,506▼ $2,310,444

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$719,899$154,858$874,757
Land$615,000-$615,000
Equipment$35,114$41,595$76,709
Other Land Buildings$32,006$18,294$50,300
Leasehold Improvements$2,274$685$2,959
Investment Program Related Org$46,300--
Compensation and Service Providers
Top Officer Pay79th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Tim AdamsDirector/preFT$123,411$123,411

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
$2,083,642
Investment Income
$26,383
Other Revenue
$0
Change in Net Assets
$81,448
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$1,085,309
Salaries, Compensation, and Employee Benefits$690,987
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$687,515--$687,515
Office Expenses$270,094--$270,094
Benefits to Members$252,281--$252,281
Fees for Services Other$213,597--$213,597
Occupancy$196,789--$196,789
Advertising$67,779--$67,779
All Other Expenses$25,137--$25,137
Other Expenses$24,217--$24,217
Conferences and Meetings$24,017--$24,017
Fees for Services Legal$5,585--$5,585
Other Employee Benefits$3,472--$3,472
Interest$291--$291
Total Functional Expenses$2,028,577$0$0$2,028,577
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$30,878,881
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
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

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
President/CEO
Phone
7134558586
Signed
2015-01-21
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
9

Preparer

Firm
Lema & Associates
Address
610 E MARKET ST STE 2906, SAN ANTONIO, TX 78205-2680
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.”

Form 990, Part IX, Line 11G

“Audit fees 6,950 0 0 data processing services 73,469 0 0 security 85,614 0 0 other prof/outside serv. 24,893 0 0 miscellaneous 22,671 0 0”

Raw XML Appendix393 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/ProgramServiceRevenueGrp/Desc2OTHER INCOME
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IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt1194774
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt2138466
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt01750402
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1194774
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt2138466
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/ExpenseAmt02028577
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYBenefitsPaidToMembersAmt0255950
IRS990/PYInvestmentIncomeAmt043931
IRS990/PYOtherExpensesAmt0949421
IRS990/PYOtherRevenueAmt071853
IRS990/PYProgramServiceRevenueAmt01817655
IRS990/PYRevenuesLessExpensesAmt0-12041
IRS990/PYSalariesCompEmpBnftPaidAmt0740109
IRS990/PYTotalExpensesAmt01945480
IRS990/PYTotalRevenueAmt01933439
IRS990/ReconcilationRevenueExpnssAmt081448
IRS990/RegularMonitoringEnfrcInd0true
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0true
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt04019810
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt04101258
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/BuildingsGrp/BookValueAmt0719899
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0154858
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt0874757
IRS990ScheduleD/EquipmentGrp/BookValueAmt035114
IRS990ScheduleD/EquipmentGrp/DepreciationAmt041595
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt076709
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt01985000
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt1324247
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt2229080
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt3142352
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt446300
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/BookValueAmt02274
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt0685
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt02959
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt032006
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt018294
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt050300
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt030878881
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER SHARES/DEPOSITS
IRS990ScheduleD/TotalBookValueLandBuildingsAmt01404293
IRS990ScheduleD/TotalBookValueProgramRltdAmt02726979
IRS990ScheduleD/TotalLiabilityAmt030878881
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/ExplanationTxt7AUDIT FEES 6,950 0 0 DATA PROCESSING SERVICES 73,469 0 0 SECURITY 85,614 0 0 OTHER PROF/OUTSIDE SERV. 24,893 0 0 MISCELLANEOUS 22,671 0 0
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
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7FORM 990, PART IX, LINE 11G
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt038550950
IRS990/TotalAssetsEOYAmt036240506
IRS990/TotalAssetsGrp/BOYAmt038550950
IRS990/TotalAssetsGrp/EOYAmt036240506
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt09
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt02028577
IRS990/TotalFunctionalExpensesGrp/TotalAmt02028577
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt034531140
IRS990/TotalLiabilitiesEOYAmt032139248
IRS990/TotalLiabilitiesGrp/BOYAmt034531140
IRS990/TotalLiabilitiesGrp/EOYAmt032139248
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt04019810
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt04101258
IRS990/TotalOtherProgSrvcExpenseAmt02028577
IRS990/TotalProgramServiceExpensesAmt02028577
IRS990/TotalProgramServiceRevenueAmt02083642
IRS990/TotalReportableCompFromOrgAmt0123411
IRS990/TotalRevenueGrp/ExclusionAmt026383
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt02083642
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt02110025
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt038550950
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt036240506
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt012755 N HOUSTON ROSSLYN RD
IRS990/USAddress/CityNm0HOUSTON
IRS990/USAddress/StateAbbreviationCd0TX
IRS990/USAddress/ZIPCd077086
IRS990/VotingMembersGoverningBodyCnt011
IRS990/VotingMembersIndependentCnt011
IRS990/WebsiteAddressTxt0WWW.SPCOCU.ORG
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02016-02-25 16:41:14Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0TIM ADAMS
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT/CEO
ReturnHeader/BusinessOfficerGrp/PhoneNum07134558586
ReturnHeader/BusinessOfficerGrp/SignatureDt02015-01-21
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0SPCO CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0SPCO
ReturnHeader/Filer/EIN0746106699
ReturnHeader/Filer/PhoneNum07134558586
ReturnHeader/Filer/USAddress/AddressLine1Txt012755 N HOUSTON ROSSLYN RD
ReturnHeader/Filer/USAddress/CityNm0HOUSTON
ReturnHeader/Filer/USAddress/StateAbbreviationCd0TX
ReturnHeader/Filer/USAddress/ZIPCd077086
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0LEMA & ASSOCIATES
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt0610 E MARKET ST STE 2906
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0SAN ANTONIO
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0TX
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd0782052680
ReturnHeader/PreparerPersonGrp/PhoneNum02102124822
ReturnHeader/PreparerPersonGrp/PreparationDt02015-01-20
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0ANGEL R LEMA CPA
ReturnHeader/PreparerPersonGrp/SelfEmployedInd0X
ReturnHeader/ReturnTs02015-01-24T10:57:04-06:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02014-01-01
ReturnHeader/TaxPeriodEndDt02014-12-31
ReturnHeader/TaxYr02014

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2014 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$36,240,506
Liabilities
$32,139,248
Net assets
$4,101,258
Revenue
$2,110,025
Expenses
$2,028,577
Net income
$81,448
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
Peer Organizations

Similar nonprofits based on the same Siviq industry and scale cohort. 2014 filings • 501(c)14 • $25M-$50M nonprofits