Civic Intelligence

Pie Credit Union

990 • Fiscal year 2017 • EIN 74-6176202

Jan 01, 2017 to Dec 31, 2017 • Filed on Apr 09, 2018

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

45th percentile

0.86x

Higher debt load relative to assets than 45% of similar nonprofits.

2017 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2017

Liabilities / Revenue

91st percentile

32.97x

Higher debt load relative to revenue than 91% of similar nonprofits.

2017 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2017

Net Margin

12th percentile

-7.0%

Higher net margin than 12% of similar nonprofits.

2017 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2017

Top Officer Pay

50th percentile

$73,907

Higher top officer pay than 50% of similar nonprofits.

Top officer pay equals 20.5% of source-year revenue.

2017 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2017

Asset Growth

7th percentile

-6.0%

Faster asset growth than 7% of similar nonprofits.

2017 filings • 501(c)14 • $10M-$25M nonprofits • Annualized from 2016 to 2017

Revenue Growth

15th percentile

-2.2%

Faster revenue growth than 15% of similar nonprofits.

2017 filings • 501(c)14 • $10M-$25M nonprofits • Annualized from 2016 to 2017

Balance Sheet
Liabilities / Assets45th percentile

Assets

Down

$13,825,277

Down $876,798 (-6.0%) from 2016

Net Assets

Down

$1,937,964

Down $25,159 (-1.3%) from 2016

Liabilities

Down

$11,887,313

Down $851,639 (-6.7%) from 2016

Revenue And Expenses
Liabilities / Revenue91st percentileNet Margin12th percentile

Revenue

Down

$360,558

Down $8,026 (-2.2%) from 2016

Expenses

Up

$385,717

Up $12,353 (+3.3%) from 2016

Net Income

Down

-$25,159

Down $20,379 (-426%) from 2016

Historical Trend

Balance Sheet Trend

Asset Growth7th 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

2017

Assets$13,825,277
Liabilities$11,887,313
Net Assets$1,937,964
Open 2017 Filing

Operations Trend

Revenue Growth15th 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

2017

Revenue$360,558
Expenses$385,717
Net Income-$25,159
Open 2017 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2017 to Dec 31, 2017
Signed
Apr 9, 2018
Return Version
2017v2.0
Gross Receipts
$360,558
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$9,732,313$9,099,432▼ $632,881
Other Notes and Loans Receivable, Net$4,669,066$4,501,222▼ $167,844
Rtn Earn Endowment Incm Other Fnds$1,963,123$1,937,964▼ $25,159
Cash and Non-Interest-Bearing Accounts$274,462$195,947▼ $78,515
Prepaid Expenses and Deferred Charges$1,906$2,373▲ $467
Land, Buildings, and Equipment, Net$2,128$1,482▼ $646
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$14,702,075$13,825,277▼ $876,798
Other Assets Total$22,200$24,821▲ $2,621
Liabilities
Other Liabilities$12,636,551$11,738,969▼ $897,582
Accounts Payable and Accrued Expenses$102,401$148,344▲ $45,943
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$12,738,952$11,887,313▼ $851,639
Net Assets / Fund Balance
Total Net Assets Fund Balance$1,963,123$1,937,964▼ $25,159
Total Liabilities and Net Assets / Fund Balance$14,702,075$13,825,277▼ $876,798

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$0$0$0
Other Land Buildings$0$0$0
Land$0-$0
Equipment$1,482$52,769$0
Leasehold Improvements$0$0$0
Other Securities$8,183,000--
Closely Held Equity Interests$0--
Financial Derivatives$916,432--
Compensation and Service Providers
Top Officer Pay50th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Jessica InmanPresident/ManagerFT$73,907$73,907
Orelia ClayAssistant ManagerFT$36,107$36,107

Board Members and Trustees

NameTitle
Beverly SandelChairperson
Leah KalmusVice Chairperson
Hal HazenDirector
Ken SuteraDirector
Patricia HatridgeDirector
Annette WashburnSecretary
Kathy CurryTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$227,441
Investment Income
$125,754
Other Revenue
$7,363
Change in Net Assets
$-25,159

Audited Revenue Reconciliation

Revenue per Audited Statements
$360,558
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Other Revenue Adjustments
$0
Total Revenue per Audited Statements
$360,558
Total Revenue per Form 990
$360,558
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$240,571
Salaries, Compensation, and Employee Benefits$145,146
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$145,146
Interest---$60,787
Information Technology---$45,105
Other Expenses---$33,118
Fees for Services Legal---$32,006
Office Expenses---$23,231
Advertising---$12,015
All Other Expenses---$6,557
Travel---$1,432
Total Functional Expenses$0$0$0$385,717

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$385,717
Total Expenses per Audited Statements$385,717
Total Expenses per Form 990$385,717
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$11,738,969
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 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
Jessica Inman
Title
President
Phone
7135510491
Signed
2018-04-09

Organization Details

Principal Officer
Jessica Inman
Formed
1971
Legal Domicile
TX
Voting Board Members
7
Independent Board Members
7
Employees
0
Volunteers
7
Raw XML AppendixShowing 400 of 478 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/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.
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IRS990/PrincipalOfficerNm0Jessica Inman
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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/ExpenseAmt034402
IRS990/ProgSrvcAccomActy2Grp/GrantAmt00
IRS990/ProgSrvcAccomActy2Grp/RevenueAmt018395
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.
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IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0Share Accounts Member Savings
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IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt08183000
IRS990ScheduleD/OtherSecuritiesGrp/Desc0Morgan Stanley
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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 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
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IRS990/SignificantNewProgramSrvcInd00

Document Assets

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Filings

Displayed year

2017 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$13,825,277
Liabilities
$11,887,313
Net assets
$1,937,964
Revenue
$360,558
Expenses
$385,717
Net income
-$25,159
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