Civic Intelligence

Spco Credit Union

990 • Fiscal year 2015 • EIN 74-6106699

Jan 01, 2015 to Dec 31, 2015 • Filed on Feb 19, 2016

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

63rd percentile

0.89x

Higher debt load relative to assets than 63% of similar nonprofits.

2015 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2015

Liabilities / Revenue

26th percentile

17.06x

Higher debt load relative to revenue than 26% of similar nonprofits.

2015 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2015

Net Margin

24th percentile

1.7%

Higher net margin than 24% of similar nonprofits.

2015 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2015

Top Officer Pay

11th percentile

$0

Higher top officer pay than 11% of similar nonprofits.

Top officer pay equals 0.0% of source-year revenue.

2015 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2015

Asset Growth

49th percentile

3.0%

Faster asset growth than 49% of similar nonprofits.

2015 filings • 501(c)14 • $25M-$50M nonprofits • Annualized from 2014 to 2015

Revenue Growth

5th percentile

-7.8%

Faster revenue growth than 5% of similar nonprofits.

2015 filings • 501(c)14 • $25M-$50M nonprofits • Annualized from 2014 to 2015

Balance Sheet
Liabilities / Assets63rd percentile

Assets

Up

$37,310,464

Up $1,069,958 (+3.0%) from 2014

Net Assets

Up

$4,134,184

Up $32,926 (+0.8%) from 2014

Liabilities

Up

$33,176,280

Up $1,037,032 (+3.2%) from 2014

Revenue And Expenses
Liabilities / Revenue26th percentileNet Margin24th percentile

Revenue

Down

$1,944,406

Down $165,619 (-7.8%) from 2014

Expenses

Down

$1,911,480

Down $117,097 (-5.8%) from 2014

Net Income

Down

$32,926

Down $48,522 (-60%) from 2014

Historical Trend

Balance Sheet Trend

Asset Growth49th 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

2015

Assets$37,310,464
Liabilities$33,176,280
Net Assets$4,134,184
Open 2015 Filing

Operations Trend

Revenue Growth5th 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

2015

Revenue$1,944,406
Expenses$1,911,480
Net Income$32,926
Open 2015 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2015 to Dec 31, 2015
Signed
Feb 19, 2016
Return Version
2015v2.1
Gross Receipts
$1,944,406
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$31,246,991$27,711,886▼ $3,535,105
Investments Program Related$2,726,979$5,682,531▲ $2,955,552
Rtn Earn Endowment Incm Other Fnds$4,101,258$4,134,184▲ $32,926
Land, Buildings, and Equipment, Net$1,404,293$1,399,372▼ $4,921
Cash and Non-Interest-Bearing Accounts$405,822$305,420▼ $100,402
Prepaid Expenses and Deferred Charges$342,826$212,816▼ $130,010
Accounts Receivable$1,032$3,902▲ $2,870
Total Assets$36,240,506$37,310,464▲ $1,069,958
Other Assets Total$112,563$1,994,537▲ $1,881,974
Liabilities
Other Liabilities$30,878,881$32,792,802▲ $1,913,921
Accounts Payable and Accrued Expenses$1,260,367$383,478▼ $876,889
Total Liabilities$32,139,248$33,176,280▲ $1,037,032
Net Assets / Fund Balance
Total Net Assets Fund Balance$4,101,258$4,134,184▲ $32,926
Total Liabilities and Net Assets / Fund Balance$36,240,506$37,310,464▲ $1,069,958

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$747,531$182,739$930,270
Land$615,000-$615,000
Equipment$14,216$42,718$56,934
Other Land Buildings$21,337$28,963$50,300
Leasehold Improvements$1,288$1,671$2,959
Investment Program Related Org$42,396--
Other Assets Org$775--
Compensation and Service Providers
Top Officer Pay11th percentile

Board Members and Trustees

NameTitle
William WomackChairman
Harvey HayesVice Chairma
Charlie JohnsonDirector
James ReynoldsDirector
Jimmie BulanekDirector
Marlin PhillipsDirector
Steve EmmottDirector
Tim AdamsDirector/pre
Dee FarinoSecretary
Gloria LongneckerTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$1,921,669
Investment Income
$22,737
Other Revenue
$0
Change in Net Assets
$32,926
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$1,049,310
Salaries, Compensation, and Employee Benefits$640,688
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$635,656--$635,656
Benefits to Members$221,482--$221,482
Office Expenses$192,698--$192,698
Occupancy$168,045--$168,045
Fees for Services Other$134,860--$134,860
Advertising$77,471--$77,471
Fees for Services Accounting$71,714--$71,714
Depreciation Depletion$47,996--$47,996
Conferences and Meetings$42,572--$42,572
Insurance$21,701--$21,701
Other Expenses$20,108--$20,108
All Other Expenses$16,475--$16,475
Other Employee Benefits$3,767--$3,767
Interest$2,347--$2,347
Fees for Services Legal$1,909--$1,909
Pension Plan Contributions$1,265--$1,265
Total Functional Expenses$1,911,480$0$0$1,911,480
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
Yes
Subject to proxy tax
No

Reported Spending and Taxes

Line ItemAmount
Political Expenditures$1,224
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Shares/deposits$32,792,802
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 membership 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
Director/president
Phone
7134558586
Signed
2016-02-19
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Tim Adams
Formed
1968
Legal Domicile
TX
Voting Board Members
10
Independent Board Members
10
Employees
0

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

“No other significant accomplishments noted during tax year other than those noted on "statement of program services" attached.”

Raw XML AppendixShowing 400 of 407 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/Desc1OTHER INCOME
IRS990/ProgramServiceRevenueGrp/Desc2FEES AND CHARGES
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt01590441
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt1169479
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt2161749
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt01590441
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1169479
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt2161749
IRS990/ProgSrvcAccomActy2Grp/Desc0MEMBER LOANS DECREASED BY 3.5 MILLION IN YEAR 2015
IRS990/ProgSrvcAccomActyOtherGrp/Desc0NO OTHER SIGNIFICANT ACCOMPLISHMENTS NOTED DURING TAX YEAR OTHER THAN THOSE NOTED ON "STATEMENT OF PROGRAM SERVICES" ATTACHED.
IRS990/ProgSrvcAccomActyOtherGrp/ExpenseAmt01911480
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYBenefitsPaidToMembersAmt0252281
IRS990/PYInvestmentIncomeAmt026383
IRS990/PYOtherExpensesAmt01085309
IRS990/PYProgramServiceRevenueAmt02083642
IRS990/PYRevenuesLessExpensesAmt081448
IRS990/PYSalariesCompEmpBnftPaidAmt0690987
IRS990/PYTotalExpensesAmt02028577
IRS990/PYTotalRevenueAmt02110025
IRS990/ReconcilationRevenueExpnssAmt032926
IRS990/RegularMonitoringEnfrcInd0true
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0true
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0true
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt04101258
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt04134184
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleC/PoliticalExpendituresAmt01224
IRS990ScheduleC/SupplementalInformationDetail/ExplanationTxt0POLITICAL CONTRIBUTIONS PAID DURING TAX YEAR TO TCUL & CULAC.
IRS990ScheduleC/SupplementalInformationDetail/FormAndLineReferenceDesc0SCHEDULE C, PART I-A, LINE 1
IRS990ScheduleD/BuildingsGrp/BookValueAmt0747531
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0182739
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt0930270
IRS990ScheduleD/EquipmentGrp/BookValueAmt014216
IRS990ScheduleD/EquipmentGrp/DepreciationAmt042718
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt056934
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt03800000
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt1744000
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt2600519
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt3306954
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt4142362
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt546300
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt642396
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc0CATALYST CASH MANAGEMENT
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc1CERT. OF DEPOSIT
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc2CATALYST DEPOSITS
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc3NCUSIF DEPOSIT
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc4CUSO INVESTMENT
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc5FEDERAL HOME LOAN BK
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc6CONTRIBUTED CAPITAL
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd0C
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd1C
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd2C
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd3C
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd4C
IRS990ScheduleD/LandGrp/BookValueAmt0615000
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0615000
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt01288
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt01671
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt02959
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt01900000
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt192581
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt21181
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt3775
IRS990ScheduleD/OtherAssetsOrgGrp/Desc0SPLIT DOLLAR PLN-COLL ASSIGNMENT
IRS990ScheduleD/OtherAssetsOrgGrp/Desc1ACCRUED INC.ON LOANS
IRS990ScheduleD/OtherAssetsOrgGrp/Desc2ACCRUED INC.ON INVEST.
IRS990ScheduleD/OtherAssetsOrgGrp/Desc3LEASE DEPOSIT
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt021337
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt028963
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt050300
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt032792802
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER SHARES/DEPOSITS
IRS990ScheduleD/TotalBookValueLandBuildingsAmt01399372
IRS990ScheduleD/TotalBookValueOtherAssetsAmt01994537
IRS990ScheduleD/TotalBookValueProgramRltdAmt05682531
IRS990ScheduleD/TotalLiabilityAmt032792802
IRS990/ScheduleJRequiredInd0false
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0NO OTHER SIGNIFICANT ACCOMPLISHMENTS NOTED DURING TAX YEAR OTHER THAN THOSE NOTED ON "STATEMENT OF PROGRAM SERVICES" ATTACHED.
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 MEMBERSHIP 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/TotalAssetsBOYAmt036240506
IRS990/TotalAssetsEOYAmt037310464
IRS990/TotalAssetsGrp/BOYAmt036240506
IRS990/TotalAssetsGrp/EOYAmt037310464
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt00
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt01911480
IRS990/TotalFunctionalExpensesGrp/TotalAmt01911480
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt032139248
IRS990/TotalLiabilitiesEOYAmt033176280
IRS990/TotalLiabilitiesGrp/BOYAmt032139248
IRS990/TotalLiabilitiesGrp/EOYAmt033176280
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt04101258
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt04134184
IRS990/TotalOtherProgSrvcExpenseAmt01911480
IRS990/TotalProgramServiceExpensesAmt01911480
IRS990/TotalProgramServiceRevenueAmt01921669
IRS990/TotalRevenueGrp/ExclusionAmt022737
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt01921669
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt01944406
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt036240506
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt037310464
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt012755 N HOUSTON ROSSLYN RD
IRS990/USAddress/CityNm0HOUSTO
IRS990/USAddress/StateAbbreviationCd0TX
IRS990/USAddress/ZIPCd077086
IRS990/VotingMembersGoverningBodyCnt010
IRS990/VotingMembersIndependentCnt010
IRS990/WebsiteAddressTxt0WWW.SPCOCU.ORG
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02016-08-17 19:52:53Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0TIM ADAMS
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0DIRECTOR/PRESIDENT
ReturnHeader/BusinessOfficerGrp/PhoneNum07134558586
ReturnHeader/BusinessOfficerGrp/SignatureDt02016-02-19
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/PreparationDt02016-02-29

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2015 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$37,310,464
Liabilities
$33,176,280
Net assets
$4,134,184
Revenue
$1,944,406
Expenses
$1,911,480
Net income
$32,926
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
2015Detailed filing. Detailed filing data is available for this year.$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. 2015 filings • 501(c)14 • $25M-$50M nonprofits