Civic Intelligence

Witco Houston Employees Cr Union

990 • Fiscal year 2017 • EIN 74-6177036

Jan 01, 2017 to Dec 31, 2017 • Filed on Oct 24, 2018

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

29th percentile

0.76x

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

2017 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2017

Liabilities / Revenue

56th percentile

18.77x

Higher debt load relative to revenue than 56% of similar nonprofits.

2017 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2017

Net Margin

33rd percentile

-1.4%

Higher net margin than 33% of similar nonprofits.

2017 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2017

Top Officer Pay

20th percentile

$0

Higher top officer pay than 20% of similar nonprofits.

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

2017 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2017

Asset Growth

32nd percentile

-3.2%

Faster asset growth than 32% of similar nonprofits.

2017 filings • 501(c)14 • $1M-$5M nonprofits • Annualized from 2016 to 2017

Revenue Growth

43rd percentile

-0.1%

Faster revenue growth than 43% of similar nonprofits.

2017 filings • 501(c)14 • $1M-$5M nonprofits • Annualized from 2016 to 2017

Balance Sheet
Liabilities / Assets29th percentile

Assets

Down

$1,435,710

Down $48,226 (-3.2%) from 2016

Net Assets

Down

$337,708

Down $839 (-0.2%) from 2016

Liabilities

Down

$1,098,002

Down $47,387 (-4.1%) from 2016

Revenue And Expenses
Liabilities / Revenue56th percentileNet Margin33rd percentile

Revenue

Down

$58,507

Down $62 (-0.1%) from 2016

Expenses

Down

$59,346

Down $740 (-1.2%) from 2016

Net Income

Up

-$839

Up $678 (+45%) from 2016

Historical Trend

Balance Sheet Trend

Asset Growth32nd 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

2017

Assets$1,435,710
Liabilities$1,098,002
Net Assets$337,708
Open 2017 Filing

Operations Trend

Revenue Growth43rd 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

2017

Revenue$58,507
Expenses$59,346
Net Income-$839
Open 2017 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2017 to Dec 31, 2017
Signed
Oct 24, 2018
Return Version
2017v2.2
Gross Receipts
$58,507
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$1,255,061$1,151,559▼ $103,502
Rtn Earn Endowment Incm Other Fnds$338,547$337,708▼ $839
Cash and Non-Interest-Bearing Accounts$20,357$187,998▲ $167,641
Savings and Temporary Cash Investments$192,498$78,075▼ $114,423
Investments Other Securities$12,444$11,419▼ $1,025
Prepaid Expenses and Deferred Charges$3,576$6,659▲ $3,083
Total Assets$1,483,936$1,435,710▼ $48,226
Liabilities
Other Liabilities$1,141,893$1,094,992▼ $46,901
Accounts Payable and Accrued Expenses$3,496$3,010▼ $486
Total Liabilities$1,145,389$1,098,002▼ $47,387
Net Assets / Fund Balance
Total Net Assets Fund Balance$338,547$337,708▼ $839
Total Liabilities and Net Assets / Fund Balance$1,483,936$1,435,710▼ $48,226

Asset Categories

AssetBook ValueDepreciationBasis
Other Securities$11,419--
Compensation and Service Providers
Top Officer Pay20th percentile

Board Members and Trustees

NameTitle
Matthew 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
$57,908
Investment Income
$599
Other Revenue
$0
Change in Net Assets
$-839
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$50,496
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$36,810--$36,810
Benefits to Members$8,850--$8,850
Office Expenses$5,210--$5,210
Other Expenses$2,640--$2,640
Insurance$2,069--$2,069
Fees for Services Accounting$1,490--$1,490
Conferences and Meetings$1,381--$1,381
Total Functional Expenses$59,346$0$0$59,346
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$1,094,992
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
Matthew Cabler
Title
President
Phone
2813425907
Signed
2018-10-24
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 Appendix327 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/TotalLiabilitiesEOYAmt01098002
IRS990/TotalLiabilitiesGrp/BOYAmt01145389
IRS990/TotalLiabilitiesGrp/EOYAmt01098002
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt0338547
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt0337708
IRS990/TotalOtherCompensationAmt00
IRS990/TotalProgramServiceExpensesAmt059346
IRS990/TotalProgramServiceRevenueAmt057908
IRS990/TotalReportableCompFromOrgAmt00
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt058507
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt058507
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt01483936
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt01435710
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TransactionWithControlEntInd0false
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/VotingMembersGoverningBodyCnt07
IRS990/VotingMembersIndependentCnt07
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02018-06-14 16:35:46Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0Matthew Cabler
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0President
ReturnHeader/BusinessOfficerGrp/PhoneNum02813425907
ReturnHeader/BusinessOfficerGrp/SignatureDt02018-10-24
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/FilingSecurityInformation/AtSubmissionCreationDeviceId01AD2F999DE550E773986F3118150C62357A4E514
ReturnHeader/FilingSecurityInformation/AtSubmissionFilingDeviceId01AD2F999DE550E773986F3118150C62357A4E514
ReturnHeader/FilingSecurityInformation/FederalOriginalSubmissionId07659142018298cvs3yns
ReturnHeader/FilingSecurityInformation/FederalOriginalSubmissionIdDt02018-10-25
ReturnHeader/FilingSecurityInformation/FilingLicenseTypeCd0P
ReturnHeader/FilingSecurityInformation/IPAddress/IPv4AddressTxt073.155.48.235
ReturnHeader/FilingSecurityInformation/IPDt02018-10-25
ReturnHeader/FilingSecurityInformation/IPTm015:45:43
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/PreparationDt02018-10-24
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0John Herne
ReturnHeader/ReturnTs02018-10-24T12:18:54-04:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02017-01-01
ReturnHeader/TaxPeriodEndDt02017-12-31
ReturnHeader/TaxYr02017

Document Assets

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Filings

Displayed year

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

Open filing
Assets
$1,435,710
Liabilities
$1,098,002
Net assets
$337,708
Revenue
$58,507
Expenses
$59,346
Net income
-$839
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
2017Detailed filing. Detailed filing data is available for this year.$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