Civic Intelligence

Witco Houston Employees Cr Union

990 • Fiscal year 2015 • EIN 74-6177036

Jan 01, 2015 to Dec 31, 2015 • Filed on Jun 21, 2016

Organization Profile
2519 Avenue HRosenberg, TX 77471

(281) 342-5907

Siviq Scores

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

Liabilities / Assets

36th percentile

0.79x

Higher debt load relative to assets than 36% of similar nonprofits.

2015 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2015

Liabilities / Revenue

59th percentile

18.92x

Higher debt load relative to revenue than 59% of similar nonprofits.

2015 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2015

Net Margin

62nd percentile

7.1%

Higher net margin than 62% of similar nonprofits.

2015 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2015

Top Officer Pay

22nd percentile

$0

Higher top officer pay than 22% of similar nonprofits.

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

2015 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2015

Asset Growth

20th percentile

-4.6%

Faster asset growth than 20% of similar nonprofits.

2015 filings • 501(c)14 • $1M-$5M nonprofits • Annualized from 2014 to 2015

Revenue Growth

48th percentile

-1.1%

Faster revenue growth than 48% of similar nonprofits.

2015 filings • 501(c)14 • $1M-$5M nonprofits • Annualized from 2014 to 2015

Balance Sheet
Liabilities / Assets36th percentile

Assets

Down

$1,587,953

Down $76,055 (-4.6%) from 2014

Net Assets

Up

$340,064

Up $4,708 (+1.4%) from 2014

Liabilities

Down

$1,247,889

Down $80,763 (-6.1%) from 2014

Revenue And Expenses
Liabilities / Revenue59th percentileNet Margin62nd percentile

Revenue

Down

$65,960

Down $740 (-1.1%) from 2014

Expenses

Down

$61,252

Down $8,142 (-12%) from 2014

Net Income

Up

$4,708

Up $7,402 (+275%) from 2014

Historical Trend

Balance Sheet Trend

Asset Growth20th percentile

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

$2.0M$1.5M$1.0M$500K$0Assets 2010: $1,547,302Liabilities 2010: $1,210,360Net Assets 2010: $336,9422010Assets 2011: $1,505,245Liabilities 2011: $1,168,452Net Assets 2011: $336,7932011Assets 2012: $1,579,054Liabilities 2012: $1,241,291Net Assets 2012: $337,7632012Assets 2013: $1,623,374Liabilities 2013: $1,285,324Net Assets 2013: $338,0502013Assets 2014: $1,664,008Liabilities 2014: $1,328,652Net Assets 2014: $335,3562014Assets 2015: $1,587,953Liabilities 2015: $1,247,889Net Assets 2015: $340,0642015Assets 2016: $1,483,936Liabilities 2016: $1,145,389Net Assets 2016: $338,5472016Assets 2017: $1,435,710Liabilities 2017: $1,098,002Net Assets 2017: $337,7082017Assets 2018: $1,234,741Liabilities 2018: $896,337Net Assets 2018: $338,4042018Assets 2019: $1,044,891Liabilities 2019: $714,422Net Assets 2019: $330,4692019Assets 2020: $1,010,823Liabilities 2020: $698,309Net Assets 2020: $312,5142020Assets 2021: $859,785Liabilities 2021: $578,086Net Assets 2021: $281,6992021Assets 2022: $0Liabilities 2022: $0Net Assets 2022: $02022

Highlighted filing

2015

Assets$1,587,953
Liabilities$1,247,889
Net Assets$340,064
Open 2015 Filing

Operations Trend

Revenue Growth48th percentile

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

$100K$50K$0-$50KExpenses 2010: $89,1582010Revenue 2011: $83,886Expenses 2011: $84,213Net Income 2011: -$3272011Expenses 2012: $76,4512012Revenue 2013: $76,071Expenses 2013: $75,784Net Income 2013: $2872013Revenue 2014: $66,700Expenses 2014: $69,394Net Income 2014: -$2,6942014Revenue 2015: $65,960Expenses 2015: $61,252Net Income 2015: $4,7082015Revenue 2016: $58,569Expenses 2016: $60,086Net Income 2016: -$1,5172016Revenue 2017: $58,507Expenses 2017: $59,346Net Income 2017: -$8392017Revenue 2018: $56,093Expenses 2018: $55,397Net Income 2018: $6962018Revenue 2019: $45,731Expenses 2019: $53,666Net Income 2019: -$7,9352019Revenue 2020: $30,283Expenses 2020: $48,237Net Income 2020: -$17,9542020Revenue 2021: $15,887Expenses 2021: $46,702Net Income 2021: -$30,8152021Revenue 2022: $19,904Expenses 2022: $67,454Net Income 2022: -$47,5502022

Highlighted filing

2015

Revenue$65,960
Expenses$61,252
Net Income$4,708
Open 2015 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2015 to Dec 31, 2015
Signed
Jun 21, 2016
Return Version
2015v2.1
Gross Receipts
$65,960
Mission and Program Overview

Mission

The credit unions mission is to provide above average interest rates on savings accounts to its limited membership and the most competitive interest rates on unsecured loans and loans secured by personal property with a title, primarily automobiles and motorcycles.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$1,067,495$1,195,693▲ $128,198
Savings and Temporary Cash Investments$307,444$350,911▲ $43,467
Rtn Earn Endowment Incm Other Fnds$335,356$340,064▲ $4,708
Cash and Non-Interest-Bearing Accounts$272,400$24,645▼ $247,755
Investments Other Securities$12,844$13,261▲ $417
Prepaid Expenses and Deferred Charges$3,825$3,443▼ $382
Total Assets$1,664,008$1,587,953▼ $76,055
Liabilities
Other Liabilities$1,326,052$1,244,389▼ $81,663
Accounts Payable and Accrued Expenses$2,600$3,500▲ $900
Total Liabilities$1,328,652$1,247,889▼ $80,763
Net Assets / Fund Balance
Total Net Assets Fund Balance$335,356$340,064▲ $4,708
Total Liabilities and Net Assets / Fund Balance$1,664,008$1,587,953▼ $76,055

Asset Categories

AssetBook ValueDepreciationBasis
Other Securities$13,261--
Compensation and Service Providers
Top Officer Pay22nd percentile

Board Members and Trustees

NameTitle
Mathew CablerChairperson
Richard CablerVice-Chairperson
David JohnsDirector
Leona ReddingDirector
Tracey HugheyDirector
Michelle AldenSecretary
John HerneTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$62,493
Investment Income
$3,467
Other Revenue
$0
Change in Net Assets
$4,708
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$50,414
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Salaries, Compensation, and Employee Benefits$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Fees for Services Management$38,100--$38,100
Benefits to Members$10,838--$10,838
Office Expenses$4,662--$4,662
Other Expenses$2,640--$2,640
Insurance$2,125--$2,125
Fees for Services Accounting$1,584--$1,584
Conferences and Meetings$75--$75
Total Functional Expenses$61,252$0$0$61,252
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
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Regular shares$1,244,389
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
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
No
Other officer compensation reviewed
No
Conflict-of-interest policy
No
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
Yes

Governance Explanations

Officer directors etc family relationship Part VI line 2

“Mattew Cabler and Richard Cabler are brothers and both serve on the board of directors of the Credit Union.”

Management duties delegation Part VI line 3

“John B Herne PC is an independent contractor hired to perform the day to day operations and Management of the Credit Union.”

Members or stockholder classes and rights Part VI line 6

“The Credit Unions members have rights to elect the members of the governing body. The Credit Unions members also receive a share of the organizations profits in the form of cash dividends.”

Member election for additional members Part VI line 7A

“Members of the Credit Union have right to elect one or more members of the organizations governing body whether periodically, or as vacancies arise, or otherwise.”

Form 990 governing body review Part VI line 11

“A copy of the Form 990 will be distributed to all members of the board for review prior to filing the return.”

Governing documents etc available to public Part VI line 19

“The financial statements are posted on the bulletin board in the lobby of the Credit Union.”

Filing and Contact Details

Filer

Filer Name
Witco Houston Employees Cr Union
EIN
74-6177036
Address
2519 Avenue H, Rosenberg, TX 77471

Signing Officer

Name
Mathew Cabler
Title
Chairperson
Phone
2813425907
Signed
2016-06-21
Discuss with paid preparer
Yes

Organization Details

Principal Officer
John Herne
Formed
1975
Legal Domicile
TX
Voting Board Members
7
Independent Board Members
7
Employees
0

Preparer

Firm
John B Herne PC
Address
2519 Avenue H, Rosenberg, TX 77471
Preparer
John Herne
Phone
2813425907
Supplemental Narrative

Additional Explanations

Audited by an independent accountant Part XII line 2B

“The process used to oversee the audit of the credit unions financial statements and the selection of an independent accountant has not changed since the prior year.”

Raw XML Appendix317 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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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0Mattew Cabler and Richard Cabler are brothers and both serve on the board of directors of the Credit Union.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1John B Herne PC is an independent contractor hired to perform the day to day operations and Management of the Credit Union.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2The Credit Unions members have rights to elect the members of the governing body. The Credit Unions members also receive a share of the organizations profits in the form of cash dividends.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3Members of the Credit Union have right to elect one or more members of the organizations governing body whether periodically, or as vacancies arise, or otherwise.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4A copy of the Form 990 will be distributed to all members of the board for review prior to filing the return.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5The financial statements are posted on the bulletin board in the lobby of the Credit Union.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6The process used to oversee the audit of the credit unions financial statements and the selection of an independent accountant has not changed since the prior year.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Officer directors etc family relationship Part VI line 2
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Management duties delegation Part VI line 3
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Members or stockholder classes and rights Part VI line 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Member election for additional members Part VI line 7a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Form 990 governing body review Part VI line 11
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Governing documents etc available to public Part VI line 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6Audited by an independent accountant Part XII line 2b
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IRS990/TotalLiabilitiesEOYAmt01247889
IRS990/TotalLiabilitiesGrp/BOYAmt01328652
IRS990/TotalLiabilitiesGrp/EOYAmt01247889
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt0335356
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt0340064
IRS990/TotalOtherCompensationAmt00
IRS990/TotalProgramServiceExpensesAmt061252
IRS990/TotalProgramServiceRevenueAmt062493
IRS990/TotalReportableCompFromOrgAmt00
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt065960
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt065960
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt01664008
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt01587953
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TransactionWithControlEntInd0false
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/VotingMembersGoverningBodyCnt07
IRS990/VotingMembersIndependentCnt07
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02016-09-27 15:27:22Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0Mathew Cabler
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0Chairperson
ReturnHeader/BusinessOfficerGrp/PhoneNum02813425907
ReturnHeader/BusinessOfficerGrp/SignatureDt02016-06-21
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0Witco Houston Employees Cr Union
ReturnHeader/Filer/BusinessNameControlTxt0WITC
ReturnHeader/Filer/EIN0746177036
ReturnHeader/Filer/USAddress/AddressLine1Txt02519 Avenue H
ReturnHeader/Filer/USAddress/CityNm0Rosenberg
ReturnHeader/Filer/USAddress/StateAbbreviationCd0TX
ReturnHeader/Filer/USAddress/ZIPCd077471
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0760347093
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0John B Herne PC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt02519 Avenue H
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0Rosenberg
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0TX
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd077471
ReturnHeader/PreparerPersonGrp/PhoneNum02813425907
ReturnHeader/PreparerPersonGrp/PreparationDt02016-06-21
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0John Herne
ReturnHeader/ReturnTs02016-06-21T13:52:18-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02015-01-01
ReturnHeader/TaxPeriodEndDt02015-12-31
ReturnHeader/TaxYr02015

Document Assets

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Filings

Displayed year

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

Open filing
Assets
$1,587,953
Liabilities
$1,247,889
Net assets
$340,064
Revenue
$65,960
Expenses
$61,252
Net income
$4,708
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.00$0.00$0.00$0.02$0.07$0.05
2021Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.86$0.58$0.28$0.02$0.05$0.03
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1.01$0.70$0.31$0.03$0.05$0.02
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1.04$0.71$0.33$0.05$0.05$0.01
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1.23$0.90$0.34$0.06$0.06$0.00
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1.44$1.10$0.34$0.06$0.06$0.00
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1.48$1.15$0.34$0.06$0.06$0.00
2015Detailed filing. Detailed filing data is available for this year.$1.59$1.25$0.34$0.07$0.06$0.00
2014Detailed filing. Detailed filing data is available for this year.$1.66$1.33$0.34$0.07$0.07$0.00
2013Detailed filing. Detailed filing data is available for this year.$1.62$1.29$0.34$0.08$0.08$0.00
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.58$1.24$0.34$0.08
2011Summary only. Only limited summary data is available for this year.$1.51$1.17$0.34$0.08$0.08$0.00
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.55$1.21$0.34$0.09