Civic Intelligence

Pie Credit Union

990 • Fiscal year 2018 • EIN 74-6176202

Jan 01, 2018 to Dec 31, 2018 • Filed on Mar 21, 2019

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

38th percentile

0.84x

Higher debt load relative to assets than 38% of similar nonprofits.

2018 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2018

Liabilities / Revenue

91st percentile

28.14x

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

2018 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2018

Net Margin

57th percentile

13%

Higher net margin than 57% of similar nonprofits.

2018 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2018

Top Officer Pay

41st percentile

$68,960

Higher top officer pay than 41% of similar nonprofits.

Top officer pay equals 18.8% of source-year revenue.

2018 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2018

Asset Growth

5th percentile

-11%

Faster asset growth than 5% of similar nonprofits.

2018 filings • 501(c)14 • $10M-$25M nonprofits • Annualized from 2017 to 2018

Revenue Growth

13th percentile

1.6%

Faster revenue growth than 13% of similar nonprofits.

2018 filings • 501(c)14 • $10M-$25M nonprofits • Annualized from 2017 to 2018

Balance Sheet
Liabilities / Assets38th percentile

Assets

Down

$12,294,586

Down $1,530,691 (-11%) from 2017

Net Assets

Up

$1,984,065

Up $46,101 (+2.4%) from 2017

Liabilities

Down

$10,310,521

Down $1,576,792 (-13%) from 2017

Revenue And Expenses
Liabilities / Revenue91st percentileNet Margin57th percentile

Revenue

Up

$366,398

Up $5,840 (+1.6%) from 2017

Expenses

Down

$320,297

Down $65,420 (-17%) from 2017

Net Income

Up

$46,101

Up $71,260 (+283%) from 2017

Historical Trend

Balance Sheet Trend

Asset Growth5th 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

2018

Assets$12,294,586
Liabilities$10,310,521
Net Assets$1,984,065
Open 2018 Filing

Operations Trend

Revenue Growth13th 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

2018

Revenue$366,398
Expenses$320,297
Net Income$46,101
Open 2018 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2018 to Dec 31, 2018
Signed
Mar 21, 2019
Return Version
2018v3.0
Gross Receipts
$366,398
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$9,099,432$8,228,222▼ $871,210
Other Notes and Loans Receivable, Net$4,501,222$3,889,285▼ $611,937
Rtn Earn Endowment Incm Other Fnds$1,937,964$1,984,065▲ $46,101
Cash and Non-Interest-Bearing Accounts$195,947$151,068▼ $44,879
Prepaid Expenses and Deferred Charges$2,373$2,213▼ $160
Land, Buildings, and Equipment, Net$1,482$836▼ $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$13,825,277$12,294,586▼ $1,530,691
Other Assets Total$24,821$22,962▼ $1,859
Liabilities
Other Liabilities$11,738,969$10,217,517▼ $1,521,452
Accounts Payable and Accrued Expenses$148,344$93,004▼ $55,340
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$11,887,313$10,310,521▼ $1,576,792
Net Assets / Fund Balance
Total Net Assets Fund Balance$1,937,964$1,984,065▲ $46,101
Total Liabilities and Net Assets / Fund Balance$13,825,277$12,294,586▼ $1,530,691

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$0$0$0
Other Land Buildings$0$0$0
Land$0-$0
Equipment$836$53,415$0
Leasehold Improvements$0$0$0
Other Securities$7,361,000--
Closely Held Equity Interests$0--
Financial Derivatives$867,222--
Compensation and Service Providers
Top Officer Pay41st percentile

Employees

NameTitleFull / Part TimeBaseTotal
Orelia ClayAssistant ManagerFT$68,960$68,960
Jessica InmanPresident/ManagerFT$66,325$66,325

Board Members and Trustees

NameTitle
Beverly SandelChairperson
Ken SuteraVice Chairman
Elvis WilkersonDirector
Hal HazenDirector
Patricia HatridgeDirector
Annette WashburnSecretary
Kathy CurryTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$213,118
Investment Income
$137,062
Other Revenue
$16,218
Change in Net Assets
$46,101

Audited Revenue Reconciliation

Revenue per Audited Statements
$366,398
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Other Revenue Adjustments
$0
Total Revenue per Audited Statements
$366,398
Total Revenue per Form 990
$366,398
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$214,808
Salaries, Compensation, and Employee Benefits$105,489
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$105,489
Information Technology---$46,280
Interest---$34,919
Fees for Services Legal---$31,076
Office Expenses---$23,583
Other Expenses---$23,229
All Other Expenses---$8,047
Advertising---$6,663
Travel---$1,558
Total Functional Expenses$0$0$0$320,297

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$320,297
Total Expenses per Audited Statements$320,297
Total Expenses per Form 990$320,297
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$10,217,517
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
2019-03-21

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 479 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/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/MortgNotesPyblScrdInvstPropGrp/BOYAmt00
IRS990/MortgNotesPyblScrdInvstPropGrp/EOYAmt00
IRS990/NetAssetsOrFundBalancesBOYAmt01937964
IRS990/NetAssetsOrFundBalancesEOYAmt01984065
IRS990/NetUnrelatedBusTxblIncmAmt03032
IRS990/NetUnrlzdGainsLossesInvstAmt00
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt00
IRS990/OfficeExpensesGrp/TotalAmt023583
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt024821
IRS990/OtherAssetsTotalGrp/EOYAmt022962
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/TotalAmt06102
IRS990/OtherExpensesGrp/TotalAmt128765
IRS990/OtherExpensesGrp/TotalAmt24586
IRS990/OtherExpensesGrp/TotalAmt323229
IRS990/OtherLiabilitiesGrp/BOYAmt011738969
IRS990/OtherLiabilitiesGrp/EOYAmt010217517
IRS990/OtherRevenueTotalAmt016218
IRS990/OtherSalariesAndWagesGrp/TotalAmt0105489
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt04501222
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt03889285
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/BOYAmt02373
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt02213
IRS990/PrincipalOfficerNm0Jessica Inman
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/RelatedOrExemptFuncIncomeAmt0192093
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt121025
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt0192093
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt121025
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/ExpenseAmt024396
IRS990/ProgSrvcAccomActy2Grp/GrantAmt00
IRS990/ProgSrvcAccomActy2Grp/RevenueAmt021025
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/ExpenseAmt031076
IRS990/ProgSrvcAccomActy3Grp/GrantAmt00
IRS990/ProgSrvcAccomActy3Grp/RevenueAmt0192093
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt0125754
IRS990/PymtTravelEntrtnmntPubOfclGrp/TotalAmt00
IRS990/PYOtherExpensesAmt0240571
IRS990/PYOtherRevenueAmt07363
IRS990/PYProgramServiceRevenueAmt0227441
IRS990/PYRevenuesLessExpensesAmt0-25159
IRS990/PYSalariesCompEmpBnftPaidAmt0145146
IRS990/PYTotalExpensesAmt0385717
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt0360558
IRS990/RcvblFromDisqualifiedPrsnGrp/BOYAmt00
IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt00
IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt00
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt00
IRS990/ReconcilationRevenueExpnssAmt046101
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/RentalIncomeOrLossGrp/PersonalAmt00
IRS990/RentalIncomeOrLossGrp/RealAmt00
IRS990/ReportInvestmentsOtherSecInd01
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RevenueAmt0153280
IRS990/RoyaltiesGrp/TotalAmt00
IRS990/RoyaltiesRevenueGrp/ExclusionAmt00
IRS990/RoyaltiesRevenueGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
IRS990/RoyaltiesRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt01937964
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt01984065
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/BookValueAmt0836
IRS990ScheduleD/EquipmentGrp/DepreciationAmt053415
IRS990ScheduleD/EquipmentGrp/InvestmentCostOrOtherBasisAmt054251
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/ExpensesNotReportedAmt00
IRS990ScheduleD/ExpensesNotRptFinclStmtAmt00
IRS990ScheduleD/ExpensesSubtotalAmt0320297
IRS990ScheduleD/FederalIncomeTaxLiabilityAmt00
IRS990ScheduleD/FinancialDerivativesGrp/BookValueAmt0867222
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/Amt010217517
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0Share Accounts Member Savings
IRS990ScheduleD/OtherRevenueAmt00
IRS990ScheduleD/OtherRevenuesNotIncludedAmt00
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt07361000
IRS990ScheduleD/OtherSecuritiesGrp/Desc0Morgan Stanley
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd0C
IRS990ScheduleD/PriorYearAdjustmentsAmt00
IRS990ScheduleD/RecoveriesPriorYearGrantsAmt00
IRS990ScheduleD/RevenueNotReportedAmt00
IRS990ScheduleD/RevenueNotReportedFinclStmtAmt00
IRS990ScheduleD/RevenueSubtotalAmt0366398
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0836
IRS990ScheduleD/TotalBookValueSecuritiesAmt08228222
IRS990ScheduleD/TotalExpensesPerForm990Amt0320297
IRS990ScheduleD/TotalLiabilityAmt010217517
IRS990ScheduleD/TotalRevenuePerForm990Amt0366398
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt0366398
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt0320297
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 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

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

Open filing
Assets
$12,294,586
Liabilities
$10,310,521
Net assets
$1,984,065
Revenue
$366,398
Expenses
$320,297
Net income
$46,101
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