Civic Intelligence

Pie Credit Union

990 • Fiscal year 2016 • EIN 74-6176202

Jan 01, 2016 to Dec 31, 2016 • Filed on Mar 22, 2017

Organization Profilewww.piecu.org
PO Box 35068Houston, TX 77235-5068

(713) 551-0491

Siviq Scores

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

Liabilities / Assets

50th percentile

0.87x

Higher debt load relative to assets than 50% of similar nonprofits.

2016 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2016

Liabilities / Revenue

92nd percentile

34.56x

Higher debt load relative to revenue than 92% of similar nonprofits.

2016 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2016

Net Margin

19th percentile

-1.3%

Higher net margin than 19% of similar nonprofits.

2016 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2016

Top Officer Pay

52nd percentile

$73,243

Higher top officer pay than 52% of similar nonprofits.

Top officer pay equals 19.9% of source-year revenue.

2016 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2016

Asset Growth

90th percentile

8.1%

Faster asset growth than 90% of similar nonprofits.

2016 filings • 501(c)14 • $10M-$25M nonprofits • Annualized from 2015 to 2016

Revenue Growth

7th percentile

-7.3%

Faster revenue growth than 7% of similar nonprofits.

2016 filings • 501(c)14 • $10M-$25M nonprofits • Annualized from 2015 to 2016

Balance Sheet
Liabilities / Assets50th percentile

Assets

Up

$14,702,075

Up $1,098,942 (+8.1%) from 2015

Net Assets

Down

$1,963,123

Down $4,781 (-0.2%) from 2015

Liabilities

Up

$12,738,952

Up $1,103,723 (+9.5%) from 2015

Revenue And Expenses
Liabilities / Revenue92nd percentileNet Margin19th percentile

Revenue

Down

$368,584

Down $29,035 (-7.3%) from 2015

Expenses

Down

$373,364

Down $9,013 (-2.4%) from 2015

Net Income

Down

-$4,780

Down $20,022 (-131%) from 2015

Historical Trend

Balance Sheet Trend

Asset Growth90th percentile

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

$15M$10M$5.0M$0Assets 2010: $11,548,261Liabilities 2010: $9,751,803Net Assets 2010: $1,796,4582010Assets 2011: $12,515,772Liabilities 2011: $10,740,595Net Assets 2011: $1,775,1772011Assets 2012: $13,402,030Liabilities 2012: $11,574,001Net Assets 2012: $1,828,0292012Assets 2013: $14,260,163Liabilities 2013: $12,370,652Net Assets 2013: $1,889,5112013Assets 2014: $14,255,147Liabilities 2014: $12,302,485Net Assets 2014: $1,952,6622014Assets 2015: $13,603,133Liabilities 2015: $11,635,229Net Assets 2015: $1,967,9042015Assets 2016: $14,702,075Liabilities 2016: $12,738,952Net Assets 2016: $1,963,1232016Assets 2017: $13,825,277Liabilities 2017: $11,887,313Net Assets 2017: $1,937,9642017Assets 2018: $12,294,586Liabilities 2018: $10,310,521Net Assets 2018: $1,984,0652018Assets 2019: $10,469,699Liabilities 2019: $8,403,763Net Assets 2019: $2,065,9362019Assets 2020: $10,784,643Liabilities 2020: $8,650,865Net Assets 2020: $2,133,7782020Assets 2021: $11,533,861Liabilities 2021: $9,370,924Net Assets 2021: $2,162,9372021Assets 2022: $11,592,714Liabilities 2022: $9,401,715Net Assets 2022: $2,190,9992022Assets 2023: $11,331,951Liabilities 2023: $9,016,771Net Assets 2023: $2,315,1802023Assets 2024: $11,488,787Liabilities 2024: $8,987,814Net Assets 2024: $2,500,9732024Assets 2025: $10,894,037Liabilities 2025: $8,160,281Net Assets 2025: $2,733,7562025

Highlighted filing

2016

Assets$14,702,075
Liabilities$12,738,952
Net Assets$1,963,123
Open 2016 Filing

Operations Trend

Revenue Growth7th percentile

Revenue, expenses, and net income across loaded years, with this filing highlighted.

$800K$600K$400K$200K$0-$200KExpenses 2010: $448,9362010Expenses 2011: $414,5442011Expenses 2012: $339,7712012Revenue 2013: $397,882Expenses 2013: $336,400Net Income 2013: $61,4822013Revenue 2014: $406,449Expenses 2014: $343,298Net Income 2014: $63,1512014Revenue 2015: $397,619Expenses 2015: $382,377Net Income 2015: $15,2422015Revenue 2016: $368,584Expenses 2016: $373,364Net Income 2016: -$4,7802016Revenue 2017: $360,558Expenses 2017: $385,717Net Income 2017: -$25,1592017Revenue 2018: $366,398Expenses 2018: $320,297Net Income 2018: $46,1012018Revenue 2019: $364,546Expenses 2019: $282,675Net Income 2019: $81,8712019Revenue 2020: $362,970Expenses 2020: $295,128Net Income 2020: $67,8422020Revenue 2021: $304,339Expenses 2021: $275,180Net Income 2021: $29,1592021Revenue 2022: $304,669Expenses 2022: $276,607Net Income 2022: $28,0622022Revenue 2023: $405,603Expenses 2023: $273,945Net Income 2023: $131,6582023Revenue 2024: $561,937Expenses 2024: $376,144Net Income 2024: $185,7932024Revenue 2025: $628,228Expenses 2025: $395,445Net Income 2025: $232,7832025

Highlighted filing

2016

Revenue$368,584
Expenses$373,364
Net Income-$4,780
Open 2016 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2016 to Dec 31, 2016
Signed
Mar 22, 2017
Return Version
2016v3.0
Gross Receipts
$368,584
Mission and Program Overview

Mission

PIE Credit Union is a cooperative thrift institution. Our mission is to maintain a sound financial institution and provide excellent services to our member-owners.

Balance Sheet Detail
LineBeginningEndChange
Assets
Investments Other Securities$7,930,220$9,732,313▲ $1,802,093
Other Notes and Loans Receivable, Net$5,364,849$4,669,066▼ $695,783
Rtn Earn Endowment Incm Other Fnds$1,967,903$1,963,123▼ $4,780
Cash and Non-Interest-Bearing Accounts$259,306$274,462▲ $15,156
Land, Buildings, and Equipment, Net$3,055$2,128▼ $927
Prepaid Expenses and Deferred Charges$20,567$1,906▼ $18,661
Savings and Temporary Cash Investments$0$0→ $0
Accounts Receivable$0$0→ $0
Pledges and Grants Receivable$0$0→ $0
Receivable From Disqualified Prsn$0$0→ $0
Receivables From Officers Etc$0$0→ $0
Investments Program Related$0$0→ $0
Investments in Publicly Traded Securities$0$0→ $0
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Intangible Assets$0$0→ $0
Inventories for Sale or Use$0$0→ $0
Loans From Officers Directors$0$0→ $0
Total Assets$13,603,132$14,702,075▲ $1,098,943
Other Assets Total$25,135$22,200▼ $2,935
Liabilities
Other Liabilities$11,490,269$12,636,551▲ $1,146,282
Accounts Payable and Accrued Expenses$144,960$102,401▼ $42,559
Grants Payable$0$0→ $0
Mortgage Notes Payable Secured by Investment Property$0$0→ $0
Unsecured Notes Loans Payable$0$0→ $0
Deferred Revenue$0$0→ $0
Escrow Account Liability$0$0→ $0
Tax Exempt Bond Liabilities$0$0→ $0
Total Liabilities$11,635,229$12,738,952▲ $1,103,723
Net Assets / Fund Balance
Total Net Assets Fund Balance$1,967,903$1,963,123▼ $4,780
Total Liabilities and Net Assets / Fund Balance$13,603,132$14,702,075▲ $1,098,943

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$0$0$0
Other Land Buildings$0$0$0
Land$0-$0
Equipment$2,128$52,123$0
Leasehold Improvements$0$0$0
Other Securities$8,501,000--
Closely Held Equity Interests$0--
Financial Derivatives$1,231,313--
Compensation and Service Providers
Top Officer Pay52nd percentile

Employees

NameTitleFull / Part TimeBaseTotal
Becky RogersPresident/ManagerFT$73,243$73,243
Jessica GonzalezAssistant ManagerFT$66,710$66,710

Board Members and Trustees

NameTitle
Ken SuteraChairman
Beverly SandelVice Chairperson
Laurie WhetzelDirector
Patricia HatridgeDirector
Terry HowardDirector
Leah KalmusSecretary
Hal HazenTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$254,634
Investment Income
$107,246
Other Revenue
$6,704
Change in Net Assets
$-4,780

Audited Revenue Reconciliation

Revenue per Audited Statements
$368,584
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Other Revenue Adjustments
$0
Total Revenue per Audited Statements
$368,584
Total Revenue per Form 990
$368,584
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$247,636
Salaries, Compensation, and Employee Benefits$125,728
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$125,728
Interest---$61,012
Information Technology---$45,791
Other Expenses---$26,442
Office Expenses---$26,059
Fees for Services Legal---$17,708
All Other Expenses---$16,426
Advertising---$9,672
Travel---$1,374
Total Functional Expenses$0$0$0$373,364

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$373,364
Total Expenses per Audited Statements$373,364
Total Expenses per Form 990$373,364
Expenses Not Reported on Financial Statements$0
Expenses Not Reported on Form 990$0
Other Expense Adjustments$0
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
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Loans from Officers, Directors, Trustees, and Key Employees$0$0→ $0
Receivables from Disqualified Persons$0$0→ $0
Receivables from Officers, Directors, Trustees, and Key Employees$0$0→ $0
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Share Accounts Member Savings$12,636,551
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
Yes
Backup withholding compliance
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
Yes
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, Part VI, Section B, Line 11B

“The board of directors take an active part in reviewing the IRS 990. It is reviewed annually by the credit union auditor.”

Form 990, Part VI, Section B, Line 12C

“The board of directors monitors on a periodic basis and all is reviewed by auditor.”

Form 990, Part VI, Section B, Line 15

“The only key employees compensated are the president and assistant manager. All other officials are on a volunteer basis. The president and assistant manager's individual salaries are under $100,000. The credit union has a salary committee comprised of three board members. These board members review salary packages on an annual basis and employees are given competitive salaries based on market conditions.”

Form 990, Part VI, Section C, Line 19

“Financial statements are posted to the public per state requirements. All others are available upon request.”

Filing and Contact Details

Filer

Filer Name
PIE Credit Union
EIN
74-6176202
Phone
7135510491
Address
PO Box 35068, Houston, TX 77235-5068

Signing Officer

Name
Becky Rogers
Title
President
Phone
7135510491
Signed
2017-03-22

Organization Details

Principal Officer
Becky Rogers
Formed
1971
Legal Domicile
TX
Voting Board Members
7
Independent Board Members
7
Employees
0
Volunteers
7
Raw XML AppendixShowing 400 of 477 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/MiscellaneousRevenueGrp/TotalRevenueColumnAmt06704
IRS990/MiscellaneousRevenueGrp/UnrelatedBusinessRevenueAmt03674
IRS990/MissionDesc0PIE Credit Union is a cooperative thrift institution. Our mission is to maintain a sound financial institution and provide excellent services to our member-owners.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/MortgNotesPyblScrdInvstPropGrp/BOYAmt00
IRS990/MortgNotesPyblScrdInvstPropGrp/EOYAmt00
IRS990/NetAssetsOrFundBalancesBOYAmt01967903
IRS990/NetAssetsOrFundBalancesEOYAmt01963123
IRS990/NetUnrelatedBusTxblIncmAmt02674
IRS990/NetUnrlzdGainsLossesInvstAmt00
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt00
IRS990/OfficeExpensesGrp/TotalAmt026059
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt025135
IRS990/OtherAssetsTotalGrp/EOYAmt022200
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/TotalAmt00
IRS990/OtherExpensesGrp/Desc0Association Dues
IRS990/OtherExpensesGrp/Desc1Provision for Loan Loss
IRS990/OtherExpensesGrp/Desc2State Operating Fees
IRS990/OtherExpensesGrp/Desc3Sharedraft Fees
IRS990/OtherExpensesGrp/TotalAmt06101
IRS990/OtherExpensesGrp/TotalAmt132822
IRS990/OtherExpensesGrp/TotalAmt24229
IRS990/OtherExpensesGrp/TotalAmt326442
IRS990/OtherLiabilitiesGrp/BOYAmt011490269
IRS990/OtherLiabilitiesGrp/EOYAmt012636551
IRS990/OtherRevenueTotalAmt06704
IRS990/OtherSalariesAndWagesGrp/TotalAmt0125728
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt05364849
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt04669066
IRS990/PartialLiquidationInd00
IRS990/PaymentsToAffiliatesGrp/TotalAmt00
IRS990/PayrollTaxesGrp/TotalAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt00
IRS990/PledgesAndGrantsReceivableGrp/BOYAmt00
IRS990/PledgesAndGrantsReceivableGrp/EOYAmt00
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt020567
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt01906
IRS990/PrincipalOfficerNm0Becky Rogers
IRS990/PriorPeriodAdjustmentsAmt00
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522130
IRS990/ProgramServiceRevenueGrp/BusinessCd1522130
IRS990/ProgramServiceRevenueGrp/Desc0Interest on Loans
IRS990/ProgramServiceRevenueGrp/Desc1Member Fees
IRS990/ProgramServiceRevenueGrp/ExclusionAmt00
IRS990/ProgramServiceRevenueGrp/ExclusionAmt10
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt0236346
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt118288
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt0236346
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt118288
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt10
IRS990/ProgSrvcAccomActy2Grp/Desc0PIE Credit Union provides checking accounts for members with account access by writing checks, using debit cards or through online banking.
IRS990/ProgSrvcAccomActy2Grp/ExpenseAmt027390
IRS990/ProgSrvcAccomActy2Grp/GrantAmt00
IRS990/ProgSrvcAccomActy2Grp/RevenueAmt018288
IRS990/ProgSrvcAccomActy3Grp/Desc0PIE Credit Union provides vehicle, motorcycle, boat, signature and home equity loans to qualified members. Credit life and disability insurance is available on any of these loans per applicant request.
IRS990/ProgSrvcAccomActy3Grp/ExpenseAmt017708
IRS990/ProgSrvcAccomActy3Grp/GrantAmt00
IRS990/ProgSrvcAccomActy3Grp/RevenueAmt0236346
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt0104909
IRS990/PymtTravelEntrtnmntPubOfclGrp/TotalAmt00
IRS990/PYOtherExpensesAmt0255759
IRS990/PYOtherRevenueAmt07869
IRS990/PYProgramServiceRevenueAmt0284841
IRS990/PYRevenuesLessExpensesAmt015242
IRS990/PYSalariesCompEmpBnftPaidAmt0126618
IRS990/PYTotalExpensesAmt0382377
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt0397619
IRS990/RcvblFromDisqualifiedPrsnGrp/BOYAmt00
IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt00
IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt00
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt00
IRS990/ReconcilationRevenueExpnssAmt0-4780
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/RentalIncomeOrLossGrp/PersonalAmt00
IRS990/RentalIncomeOrLossGrp/RealAmt00
IRS990/ReportInvestmentsOtherSecInd01
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RevenueAmt0113950
IRS990/RoyaltiesGrp/TotalAmt00
IRS990/RoyaltiesRevenueGrp/ExclusionAmt00
IRS990/RoyaltiesRevenueGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
IRS990/RoyaltiesRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt01967903
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt01963123
IRS990/SavingsAndTempCashInvstGrp/BOYAmt00
IRS990/SavingsAndTempCashInvstGrp/EOYAmt00
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt00
IRS990ScheduleD/BuildingsGrp/DepreciationAmt00
IRS990ScheduleD/BuildingsGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/CloselyHeldEquityInterestsGrp/BookValueAmt00
IRS990ScheduleD/CloselyHeldEquityInterestsGrp/MethodValuationCd0C
IRS990ScheduleD/DonatedServicesAndUseFcltsAmt00
IRS990ScheduleD/DonatedServicesUseFcltsAmt00
IRS990ScheduleD/EquipmentGrp/BookValueAmt02128
IRS990ScheduleD/EquipmentGrp/DepreciationAmt052123
IRS990ScheduleD/EquipmentGrp/InvestmentCostOrOtherBasisAmt054251
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/ExpensesNotReportedAmt00
IRS990ScheduleD/ExpensesNotRptFinclStmtAmt00
IRS990ScheduleD/ExpensesSubtotalAmt0373364
IRS990ScheduleD/FinancialDerivativesGrp/BookValueAmt01231313
IRS990ScheduleD/FinancialDerivativesGrp/MethodValuationCd0C
IRS990ScheduleD/InvestmentExpensesNotIncld2Amt00
IRS990ScheduleD/InvestmentExpensesNotIncldAmt00
IRS990ScheduleD/LandGrp/BookValueAmt00
IRS990ScheduleD/LandGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/LossesReportedAmt00
IRS990ScheduleD/NetUnrealizedGainsInvstAmt00
IRS990ScheduleD/OtherExpensesIncludedAmt00
IRS990ScheduleD/OtherExpensesNotIncludedAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt012636551
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0Share Accounts Member Savings
IRS990ScheduleD/OtherRevenueAmt00
IRS990ScheduleD/OtherRevenuesNotIncludedAmt00
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt08501000
IRS990ScheduleD/OtherSecuritiesGrp/Desc0Morgan Stanley
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd0C
IRS990ScheduleD/PriorYearAdjustmentsAmt00
IRS990ScheduleD/RecoveriesPriorYearGrantsAmt00
IRS990ScheduleD/RevenueNotReportedAmt00
IRS990ScheduleD/RevenueNotReportedFinclStmtAmt00
IRS990ScheduleD/RevenueSubtotalAmt0368584
IRS990ScheduleD/TotalBookValueLandBuildingsAmt02128
IRS990ScheduleD/TotalBookValueSecuritiesAmt09732313
IRS990ScheduleD/TotalExpensesPerForm990Amt0373364
IRS990ScheduleD/TotalLiabilityAmt012636551
IRS990ScheduleD/TotalRevenuePerForm990Amt0368584
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt0368584
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt0373364
IRS990/ScheduleJRequiredInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0The board of directors take an active part in reviewing the IRS 990. It is reviewed annually by the credit union auditor.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1The board of directors monitors on a periodic basis and all is reviewed by auditor.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2The only key employees compensated are the president and assistant manager. All other officials are on a volunteer basis. The president and assistant manager's individual salaries are under $100,000. The credit union has a salary committee comprised of three board members. These board members review salary packages on an annual basis and employees are given competitive salaries based on market conditions.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3Financial statements are posted to the public per state requirements. All others are available upon request.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990, Part VI, Section B, Line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990, Part VI, Section B, Line 12c
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990, Part VI, Section B, Line 15
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990, Part VI, Section C, Line 19
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/StatesWhereCopyOfReturnIsFldCd0TX

Document Assets

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Filings

Displayed year

2016 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$14,702,075
Liabilities
$12,738,952
Net assets
$1,963,123
Revenue
$368,584
Expenses
$373,364
Net income
-$4,780
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2025Detailed filing. Detailed filing data is available for this year.$10.9$8.16$2.73$0.63$0.40$0.23
2024Detailed filing. Detailed filing data is available for this year.$11.5$8.99$2.50$0.56$0.38$0.19
2023Detailed filing. Detailed filing data is available for this year.$11.3$9.02$2.32$0.41$0.27$0.13
2022Detailed filing. Detailed filing data is available for this year.$11.6$9.40$2.19$0.30$0.28$0.03
2021Detailed filing. Detailed filing data is available for this year.$11.5$9.37$2.16$0.30$0.28$0.03
2020Detailed filing. Detailed filing data is available for this year.$10.8$8.65$2.13$0.36$0.30$0.07
2019Detailed filing. Detailed filing data is available for this year.$10.5$8.40$2.07$0.36$0.28$0.08
2018Detailed filing. Detailed filing data is available for this year.$12.3$10.3$1.98$0.37$0.32$0.05
2017Detailed filing. Detailed filing data is available for this year.$13.8$11.9$1.94$0.36$0.39$0.03
2016Detailed filing. Detailed filing data is available for this year.$14.7$12.7$1.96$0.37$0.37$0.00
2015Detailed filing. Detailed filing data is available for this year.$13.6$11.6$1.97$0.40$0.38$0.02
2014Detailed filing. Detailed filing data is available for this year.$14.3$12.3$1.95$0.41$0.34$0.06
2013Detailed filing. Detailed filing data is available for this year.$14.3$12.4$1.89$0.40$0.34$0.06
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$13.4$11.6$1.83$0.34
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$12.5$10.7$1.78$0.41
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$11.5$9.75$1.80$0.45