Civic Intelligence

Spco Credit Union

990 • Fiscal year 2018 • EIN 74-6106699

Jan 01, 2018 to Dec 31, 2018 • Filed on Jan 28, 2019

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

84th percentile

0.91x

Higher debt load relative to assets than 84% of similar nonprofits.

2018 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2018

Liabilities / Revenue

29th percentile

15.61x

Higher debt load relative to revenue than 29% of similar nonprofits.

2018 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2018

Net Margin

21st percentile

4.6%

Higher net margin than 21% of similar nonprofits.

2018 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2018

Top Officer Pay

68th percentile

$121,105

Higher top officer pay than 68% of similar nonprofits.

Top officer pay equals 5.4% of source-year revenue.

2018 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2018

Asset Growth

26th percentile

-1.8%

Faster asset growth than 26% of similar nonprofits.

2018 filings • 501(c)14 • $25M-$50M nonprofits • Annualized from 2017 to 2018

Revenue Growth

49th percentile

9.1%

Faster revenue growth than 49% of similar nonprofits.

2018 filings • 501(c)14 • $25M-$50M nonprofits • Annualized from 2017 to 2018

Balance Sheet
Liabilities / Assets84th percentile

Assets

Down

$38,613,406

Down $702,018 (-1.8%) from 2017

Net Assets

Up

$3,573,638

Up $81,939 (+2.3%) from 2017

Liabilities

Down

$35,039,768

Down $783,957 (-2.2%) from 2017

Revenue And Expenses
Liabilities / Revenue29th percentileNet Margin21st percentile

Revenue

Up

$2,244,652

Up $186,878 (+9.1%) from 2017

Expenses

Down

$2,141,242

Down $115,288 (-5.1%) from 2017

Net Income

Up

$103,410

Up $302,166 (+152%) from 2017

Historical Trend

Balance Sheet Trend

Asset Growth26th 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

2018

Assets$38,613,406
Liabilities$35,039,768
Net Assets$3,573,638
Open 2018 Filing

Operations Trend

Revenue Growth49th 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

2018

Revenue$2,244,652
Expenses$2,141,242
Net Income$103,410
Open 2018 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2018 to Dec 31, 2018
Signed
Jan 28, 2019
Return Version
2018v3.1
Gross Receipts
$2,244,652
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$29,483,667$29,351,211▼ $132,456
Investments Program Related$4,836,307$4,248,250▼ $588,057
Rtn Earn Endowment Incm Other Fnds$3,491,699$3,573,638▲ $81,939
Land, Buildings, and Equipment, Net$1,360,029$1,316,189▼ $43,840
Cash and Non-Interest-Bearing Accounts$1,216,477$1,250,959▲ $34,482
Prepaid Expenses and Deferred Charges$256,963$233,906▼ $23,057
Accounts Receivable$4,157$10,465▲ $6,308
Total Assets$39,315,424$38,613,406▼ $702,018
Other Assets Total$2,157,824$2,202,426▲ $44,602
Liabilities
Other Liabilities$34,471,661$33,450,082▼ $1,021,579
Accounts Payable and Accrued Expenses$1,352,064$1,589,686▲ $237,622
Total Liabilities$35,823,725$35,039,768▼ $783,957
Net Assets / Fund Balance
Total Net Assets Fund Balance$3,491,699$3,573,638▲ $81,939
Total Liabilities and Net Assets / Fund Balance$39,315,424$38,613,406▼ $702,018

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$667,895$293,764$961,659
Land$615,000-$615,000
Equipment$1,356$65,076$66,432
Other Land Buildings$27,212$26,524$53,736
Leasehold Improvements$4,726$5,720$10,446
Investment Program Related Org$42,396--
Other Assets Org$25--
Compensation and Service Providers
Top Officer Pay68th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Tim AdamsDirector/preFT$121,105$121,105

Board Members and Trustees

NameTitle
Steve EmmottChairman
Harvey HayesVice Chairma
Janice ClaytonDirector
Marlin PhillipsDirector
Dee FarinoSecretary
James ReynoldsTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$2,153,181
Investment Income
$91,471
Other Revenue
$0
Change in Net Assets
$103,410
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$1,207,572
Salaries, Compensation, and Employee Benefits$593,810
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$586,159--$586,159
Benefits to Members$339,860--$339,860
Office Expenses$207,521--$207,521
Occupancy$160,264--$160,264
Fees for Services Other$121,218--$121,218
Fees for Services Accounting$77,123--$77,123
Advertising$73,358--$73,358
Depreciation Depletion$39,007--$39,007
All Other Expenses$34,722--$34,722
Conferences and Meetings$27,999--$27,999
Other Expenses$22,889--$22,889
Interest$12,602--$12,602
Fees for Services Management$8,813--$8,813
Fees for Services Legal$8,649--$8,649
Other Employee Benefits$7,651--$7,651
Total Functional Expenses$2,141,242$0$0$2,141,242
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$1,758
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Shares/deposits$33,450,082
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
Yes
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
2019-01-28
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
10

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.”

Form 990, Page 5, Part V, Line 3B

“No unrelated taxable income recorded during the current year.”

Form 990, Part XI, Line 9

“Unrealized loss/inv.securities -21,471”

Raw XML AppendixShowing 400 of 406 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/PYTotalRevenueAmt02057774
IRS990/ReconcilationRevenueExpnssAmt0103410
IRS990/RegularMonitoringEnfrcInd0true
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0true
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0true
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt03491699
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt03573638
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleC/Form1120POLFiledInd0false
IRS990ScheduleC/PoliticalExpendituresAmt01758
IRS990ScheduleC/SupplementalInformationDetail/ExplanationTxt0POLITICAL CONTRIBUTIONS PAID DURING TAX YEAR TO TCUL & CULAC.
IRS990ScheduleC/SupplementalInformationDetail/ExplanationTxt1POLITICAL CONTRIBUTIONS PAID DURING TAX YEAR TO TCUL & CULAC
IRS990ScheduleC/SupplementalInformationDetail/FormAndLineReferenceDesc0SCHEDULE C, PART I-A, LINE 1
IRS990ScheduleC/SupplementalInformationDetail/FormAndLineReferenceDesc1SCHEDULE C, PART IV
IRS990ScheduleD/BuildingsGrp/BookValueAmt0667895
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0293764
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt0961659
IRS990ScheduleD/EquipmentGrp/BookValueAmt01356
IRS990ScheduleD/EquipmentGrp/DepreciationAmt065076
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt066432
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt02453005
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt1619983
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt2341265
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt3258101
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt4250000
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt5225000
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt658500
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt742396
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc0CERT. OF DEPOSIT
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc1CATALYST CASH MANAGEMENT
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc2NCUSIF DEPOSIT
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc3GREEN BANK
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc4CUSO INVESTMENT
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc5CATALYST DEPOSITS/PTA
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc6FEDERAL HOME LOAN BK
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc7CONTRIBUTED CAPITAL
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd0C
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd1C
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd2C
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd3C
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd4C
IRS990ScheduleD/LandGrp/BookValueAmt0615000
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0615000
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt04726
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt05720
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt010446
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt02068912
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt1116596
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt216893
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt325
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/BookValueAmt027212
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt026524
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt053736
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt033450082
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER SHARES/DEPOSITS
IRS990ScheduleD/TotalBookValueLandBuildingsAmt01316189
IRS990ScheduleD/TotalBookValueOtherAssetsAmt02202426
IRS990ScheduleD/TotalBookValueProgramRltdAmt04248250
IRS990ScheduleD/TotalLiabilityAmt033450082
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/ExplanationTxt1NO UNRELATED TAXABLE INCOME RECORDED DURING THE CURRENT YEAR.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2SPCO 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/ExplanationTxt3THE MEMBERS HOLD ANNUAL MEETINGS AT WHICH TIME THE MEMBERS PRESENT ELECT OPEN POSITIONS FOR BOARD OF DIRECTORS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4A 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/ExplanationTxt5ALL 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/ExplanationTxt6BOARD 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/ExplanationTxt7THE 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/ExplanationTxt8UNREALIZED LOSS/INV.SECURITIES -21,471
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PAGE 2, PART III, LINE 4D
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PAGE 5, PART V, LINE 3B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PAGE 6, PART VI, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PAGE 6, PART VI, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PAGE 6, PART VI, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PAGE 6, PART VI, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PAGE 6, PART VI, LINE 15B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7FORM 990, PAGE 6, PART VI, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc8FORM 990, PART XI, LINE 9
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/SubjectToExcsTaxNetInvstIncInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/SubjToTaxRmnrtnExPrchtPymtInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt039315424
IRS990/TotalAssetsEOYAmt038613406
IRS990/TotalAssetsGrp/BOYAmt039315424
IRS990/TotalAssetsGrp/EOYAmt038613406
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt010
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt02141242
IRS990/TotalFunctionalExpensesGrp/TotalAmt02141242
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt035823725
IRS990/TotalLiabilitiesEOYAmt035039768
IRS990/TotalLiabilitiesGrp/BOYAmt035823725
IRS990/TotalLiabilitiesGrp/EOYAmt035039768
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt03491699
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt03573638
IRS990/TotalOtherProgSrvcExpenseAmt02141242
IRS990/TotalProgramServiceExpensesAmt02141242
IRS990/TotalProgramServiceRevenueAmt02153181
IRS990/TotalReportableCompFromOrgAmt0121105
IRS990/TotalRevenueGrp/ExclusionAmt091471
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt02153181
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt02244652
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt039315424
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt038613406
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt012755 N HOUSTON ROSSLYN RD
IRS990/USAddress/CityNm0HOUSTO
IRS990/USAddress/StateAbbreviationCd0TX
IRS990/USAddress/ZIPCd077086
IRS990/VotingMembersGoverningBodyCnt07
IRS990/VotingMembersIndependentCnt07
IRS990/WebsiteAddressTxt0WWW.SPCOCU.ORG
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02019-02-21 02:37:17Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0TIM ADAMS
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0DIRECTOR/PRESIDENT
ReturnHeader/BusinessOfficerGrp/PhoneNum07134558586
ReturnHeader/BusinessOfficerGrp/SignatureDt02019-01-28
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/FilingSecurityInformation/AtSubmissionCreationDeviceId02CBCF8563AB8ACFD911E3336B8B8FA1154FF56D4
ReturnHeader/FilingSecurityInformation/AtSubmissionFilingDeviceId02CBCF8563AB8ACFD911E3336B8B8FA1154FF56D4
ReturnHeader/FilingSecurityInformation/FilingLicenseTypeCd0P
ReturnHeader/FilingSecurityInformation/IPAddress/IPv4AddressTxt072.181.102.11
ReturnHeader/FilingSecurityInformation/IPDt02019-01-28
ReturnHeader/FilingSecurityInformation/IPTimezoneCd0CS
ReturnHeader/FilingSecurityInformation/IPTm017:49:55
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/PreparationDt02019-01-28
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0ANGEL R LEMA CPA

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2018 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$38,613,406
Liabilities
$35,039,768
Net assets
$3,573,638
Revenue
$2,244,652
Expenses
$2,141,242
Net income
$103,410
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
2018Detailed filing. Detailed filing data is available for this year.$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