Civic Intelligence

Eecu

EIN 75-0275915 • 501(c)14 • Fort Worth, TX

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Profile

To deliver banking experiences that enrich the lives and strengthen the financial well-being of our members and to thoughtfully contribute to the success of our industry and the communities we serve.

1617 West 7th StreetFort Worth, TX 76102

eecu.org

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

1st percentile

0.01x

Higher debt load relative to assets than 1% of similar nonprofits.

501(c)14 • $1B+ nonprofits • Source year 2023

Liabilities / Revenue

1st percentile

0.22x

Higher debt load relative to revenue than 1% of similar nonprofits.

501(c)14 • $1B+ nonprofits • Source year 2023

Net Margin

94th percentile

23%

Higher net margin than 94% of similar nonprofits.

501(c)14 • $1B+ nonprofits • Source year 2023

Top Officer Pay

46th percentile

$978,540

Higher top officer pay than 46% of similar nonprofits.

Top officer pay equals 1.2% of source-year revenue.

$1B+ nonprofits • Source year 2014

Asset Growth

85th percentile

8.5%

Faster asset growth than 85% of similar nonprofits.

501(c)14 • $1B+ nonprofits • Annualized from 2022 to 2023

Revenue Growth

89th percentile

30%

Faster revenue growth than 89% of similar nonprofits.

501(c)14 • $1B+ nonprofits • Annualized from 2022 to 2023

Balance Sheet
Liabilities / Assets1st percentile

Assets

Up

$4,113,496,114

Up $374,021,192 (+10%) from 2023

Liabilities

Down

$36,060,225

Down $7,187,093 (-17%) from 2023

Net Assets

Up

$4,077,435,889

Up $381,208,285 (+10%) from 2023

Operations
Liabilities / Revenue1st percentileNet Margin94th percentile

Revenue

Up

$245,984,426

Up $47,386,110 (+24%) from 2023

Expenses

Up

$192,743,334

Up $40,539,058 (+27%) from 2023

Net Income

Up

$53,241,092

Up $6,847,052 (+15%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth85th percentile

Grouped bars show assets, liabilities, and net assets across loaded filings.

$6.0B$4.0B$2.0B$0Assets 2010: $1,197,399,861Liabilities 2010: $37,531,848Net Assets 2010: $1,159,868,0132010Assets 2011: $1,350,551,119Liabilities 2011: $40,684,949Net Assets 2011: $1,309,866,1702011Assets 2012: $1,468,179,666Liabilities 2012: $39,475,018Net Assets 2012: $1,428,704,6482012Assets 2013: $1,570,451,738Liabilities 2013: $44,461,724Net Assets 2013: $1,525,990,0142013Assets 2014: $1,674,403,083Liabilities 2014: $37,185,990Net Assets 2014: $1,637,217,0932014Assets 2015: $1,819,385,167Liabilities 2015: $42,182,384Net Assets 2015: $1,777,202,7832015Assets 2016: $1,979,754,682Liabilities 2016: $47,079,012Net Assets 2016: $1,932,675,6702016Assets 2017: $2,093,046,990Liabilities 2017: $33,497,457Net Assets 2017: $2,059,549,5332017Assets 2018: $2,263,160,446Liabilities 2018: $27,899,836Net Assets 2018: $2,235,260,6102018Assets 2019: $2,504,825,406Liabilities 2019: $33,806,220Net Assets 2019: $2,471,019,1862019Assets 2020: $2,898,163,079Liabilities 2020: $37,507,835Net Assets 2020: $2,860,655,2442020Assets 2021: $3,346,818,050Liabilities 2021: $35,796,125Net Assets 2021: $3,311,021,9252021Assets 2022: $3,447,892,476Liabilities 2022: $43,325,221Net Assets 2022: $3,404,567,2552022Assets 2023: $3,739,474,922Liabilities 2023: $43,247,318Net Assets 2023: $3,696,227,6042023Assets 2024: $4,113,496,114Liabilities 2024: $36,060,225Net Assets 2024: $4,077,435,8892024

Highlighted filing

2024

Assets$4,113,496,114
Liabilities$36,060,225
Net Assets$4,077,435,889
Open 2024 Filing

Operations Trend

Revenue Growth89th percentile

Revenue, expenses, and net income by year, with the latest filing highlighted.

$300M$200M$100M$0Expenses 2010: $53,450,6542010Expenses 2011: $53,343,3892011Revenue 2012: $70,747,098Expenses 2012: $54,799,957Net Income 2012: $15,947,1412012Revenue 2013: $74,484,304Expenses 2013: $58,294,634Net Income 2013: $16,189,6702013Revenue 2014: $80,819,193Expenses 2014: $59,144,841Net Income 2014: $21,674,3522014Revenue 2015: $85,727,534Expenses 2015: $63,459,224Net Income 2015: $22,268,3102015Revenue 2016: $88,050,983Expenses 2016: $71,178,430Net Income 2016: $16,872,5532016Revenue 2017: $98,686,273Expenses 2017: $75,545,575Net Income 2017: $23,140,6982017Revenue 2018: $111,261,863Expenses 2018: $85,902,693Net Income 2018: $25,359,1702018Revenue 2019: $129,453,632Expenses 2019: $97,562,231Net Income 2019: $31,891,4012019Revenue 2020: $131,829,814Expenses 2020: $102,930,923Net Income 2020: $28,898,8912020Revenue 2021: $132,703,955Expenses 2021: $96,158,840Net Income 2021: $36,545,1152021Revenue 2022: $152,279,110Expenses 2022: $104,058,200Net Income 2022: $48,220,9102022Revenue 2023: $198,598,316Expenses 2023: $152,204,276Net Income 2023: $46,394,0402023Revenue 2024: $245,984,426Expenses 2024: $192,743,334Net Income 2024: $53,241,0922024

Highlighted filing

2024

Revenue$245,984,426
Expenses$192,743,334
Net Income$53,241,092
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$4,113,496,114
Liabilities
$36,060,225
Net assets
$4,077,435,889
Revenue
$245,984,426
Expenses
$192,743,334
Net income
$53,241,092
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$4,113$36.1$4,077$246$193$53.2
2023Detailed filing. Detailed filing data is available for this year.$3,739$43.2$3,696$199$152$46.4
2022Detailed filing. Detailed filing data is available for this year.$3,448$43.3$3,405$152$104$48.2
2021Detailed filing. Detailed filing data is available for this year.$3,347$35.8$3,311$133$96.2$36.5
2020Detailed filing. Detailed filing data is available for this year.$2,898$37.5$2,861$132$103$28.9
2019Detailed filing. Detailed filing data is available for this year.$2,505$33.8$2,471$129$97.6$31.9
2018Detailed filing. Detailed filing data is available for this year.$2,263$27.9$2,235$111$85.9$25.4
2017Detailed filing. Detailed filing data is available for this year.$2,093$33.5$2,060$98.7$75.5$23.1
2016Detailed filing. Detailed filing data is available for this year.$1,980$47.1$1,933$88.1$71.2$16.9
2015Detailed filing. Detailed filing data is available for this year.$1,819$42.2$1,777$85.7$63.5$22.3
2014Detailed filing. Detailed filing data is available for this year.$1,674$37.2$1,637$80.8$59.1$21.7
2013Detailed filing. Detailed filing data is available for this year.$1,570$44.5$1,526$74.5$58.3$16.2
2012Summary only. Only limited summary data is available for this year.$1,468$39.5$1,429$70.7$54.8$15.9
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$1,351$40.7$1,310$53.3
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$1,197$37.5$1,160$53.5
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Apr 3, 2025
Return Version
2024v5.1
Gross Receipts
$245,984,426
Mission and Program Overview

Mission

We are a member owned financial institution that provides a broad array of competitive products and services, adhering to sound management and ethical principles. We are dedicated to the communities we serve with the goal of promoting thrift and improving the financial well being ot its members.

To deliver banking experiences that enrich the lives and strengthen the financial well-being of our members and to thoughtfully contribute to the success of our industry and the communities we serve.

Balance Sheet Detail
LineBeginningEndChange
Assets
Cap Stk Tr Prin Current Funds$3,248,747,078$3,569,038,926▲ $320,291,848
Other Notes and Loans Receivable, Net$2,971,226,294$3,261,858,526▲ $290,632,232
Rtn Earn Endowment Incm Other Fnds$447,480,526$508,396,963▲ $60,916,437
Savings and Temporary Cash Investments$383,971,020$433,423,727▲ $49,452,707
Investments Other Securities$216,299,635$190,125,241▼ $26,174,394
Cash and Non-Interest-Bearing Accounts$52,528,275$93,805,621▲ $41,277,346
Land, Buildings, and Equipment, Net$39,984,142$43,607,475▲ $3,623,333
Prepaid Expenses and Deferred Charges$20,860,341$30,461,635▲ $9,601,294
Accounts Receivable$11,228,649$10,158,561▼ $1,070,088
Receivables From Officers Etc$165,056$407,055▲ $241,999
Investments in Publicly Traded Securities$0$0→ $0
Total Assets$3,739,474,922$4,113,496,114▲ $374,021,192
Other Assets Total$43,211,510$49,648,273▲ $6,436,763
Liabilities
Accounts Payable and Accrued Expenses$43,247,318$36,060,225▼ $7,187,093
Total Liabilities$43,247,318$36,060,225▼ $7,187,093
Net Assets / Fund Balance
Total Net Assets Fund Balance$3,696,227,604$4,077,435,889▲ $381,208,285
Total Liabilities and Net Assets / Fund Balance$3,739,474,922$4,113,496,114▲ $374,021,192

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$25,930,216$11,745,483$37,675,699
Leasehold Improvements$991,629$748,538$17,401,167
Equipment$3,689,286$13,386,630$17,075,916
Land$12,996,344-$12,996,344
Compensation and Service Providers
Top Officer Pay46th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Lonnie NicholsonCEOFT$941,001$1,475,143$2,416,144
Matt KaudyEvpFT$522,233$268,849$791,082
David ShurtzCROFT$406,954$216,010$622,964
Robin HarrisCXOFT$406,005$215,768$621,773
Tim BurchCIOFT$397,091$210,293$607,384
Bradley SchoneCFOFT$387,955$197,779$585,734
Paula HolcombCPOFT$365,613$189,679$555,292
Robert SangerEVP (retired)FT$61,965$429,208$491,173
Chris BrownCLOFT$416,239$39,776$456,015
Tim GroveVP ItFT$287,186$157,938$445,124
Keith SpiveyVP Payment SystemsFT$291,937$151,220$443,157
Bryan LilesVP CommercialFT$210,951$85,981$296,932
Mouli GajapathyAvp ItFT$243,561$17,019$260,580
Mouli GajapathyAVP IT Development-$213,240$47,340$260,580
Scott HounchelPresident -TBLGFT$208,040$45,824$253,864
Scott HounchellPresident - TBLG-$176,800$77,064$253,864
Pauline FloresDirector FacilitiesFT$187,235$60,595$247,830
Nora GonzalesAVP Retail OperationsFT$174,384$49,923$224,307
Doug KingDirector Payments-$152,739$60,347$213,086
Tracey BretonAVP Contact CenterFT$154,290$38,199$192,489
Joe RossaCCO (retired)FT$68,268$630$68,898
Dr Rich DearVice-Chairman-$10,999-$10,999
Frank MolinarChairman of the Board-$10,614-$10,614
Randall ArmstrongDirector-$10,482-$10,482
Ben DavisDirector-$10,435-$10,435
Dr Nikita RussellDirector-$10,405-$10,405
Mauro SerranoDirector-$8,740-$8,740
Dr Joe BeanSecretary-$8,500-$8,500
George ThompsonTreasurer-$8,500-$8,500
Karel RuckerDirector-$8,500-$8,500
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$176,472,990
Investment Income
$26,705,121
Other Revenue
$42,806,315
All Other Contributions
$0
Change in Net Assets
$53,241,092
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$149,934,842
Salaries, Compensation, and Employee Benefits$42,808,492
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Interest---$86,067,448
Other Salaries and Wages---$24,176,221
Office Expenses---$16,442,963
All Other Expenses---$12,499,941
Current Officers, Directors, Trustees, and Key Employees---$9,263,622
Other Employee Benefits---$5,900,502
Advertising---$4,039,496
Occupancy---$3,879,751
Depreciation Depletion---$2,455,893
Payroll Taxes---$2,358,201
Pension Plan Contributions---$1,109,946
Conferences and Meetings---$382,687
Other Expenses---$247,896
Fees for Service Investment Mgmnt Fees---$211,960
Information Technology---$150,721
Fees for Services Management---$65,094
Fees for Services Legal---$59,940
Total Functional Expenses$0$0$0$192,743,334
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Fundraising Direct Expenses$0
Fundraising Gross Income$0
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
Receivables from Officers, Directors, Trustees, and Key Employees$165,056$407,055▲ $241,999
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 35% controlled entity
No
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
Yes
Management duties delegated
No

Governance Explanations

Part VI Line 6

“Members of the credit union are owners and entitled to vote and elect representation on the Board of Directors at the annual membership meeting. Individuals who qualify for membership may become members by opening an account based on the minimum membership requirement.”

Part VI Line 7A

“Members elect a Board of Directors from amongst their numbers. Members vote at the annual meeting to fill seats for those Board members whose terms have expired.”

Part VI Line 7B

“The members approve changes in the credit union's Bylaws. Other decisions such as a vote to merge the credit union must be approved by the membership. The members approve the prior annual meeting minutes at each annual meeting.”

Part VI Line 11B

“A copy of the Form 990 was approved by the Board of Directors before filing. The Form 990 was prepared by the credit union's Chief Financial Officer and reviewed by the Chief Executive Officer before presentation for approval by the Board of Directors.”

Part VI Line 12C

“The Board members have a conflict of interest policy and annually must attest to their review and agreement with the requirements of the statements.”

Part VI Line 15B

“The compensation of the CEO and officers is reviewed annually by outside, third-party human resource consultants who compare position compensation levels to prevalent industry practices and trends. Salary ranges are recommended based on the asset size and complexity of the organization. This analysis is used for the CEO and senior management staff on an annual basis. The analyses and recommendations are presented to the compensation committee for approval. Meetings of the Board of Directors and committees are documented in writing and presented to the governing body for approval each month.”

Part VI Line 19

“The credit union's Form 990 and Form 990-T as applicable are available for review upon request by the member in EECU's corporate office. The credit union's annual report is provided to members at the annual meeting and is available on the credit union's website. It may also be obtained upon request. The credit union's monthly financial statements are posted in the lobby of each branch.”

Filing and Contact Details

Filer

Filer Name
Eecu
EIN
75-0275915
Phone
8178820251
Address
1617 West 7th Street, Fort Worth, TX 76102

Signing Officer

Name
Bradley J Schone
Title
Chief Financial Officer
Phone
8178820251
Signed
2025-04-03

Organization Details

Principal Officer
Lonnie Nicholson
Formed
1934
Legal Domicile
TX
Voting Board Members
9
Independent Board Members
5
Employees
519
Volunteers
0
Supplemental Narrative

Additional Explanations

Part XI Line 9

“Asset Growth - XXX-XX-XXXX”

Part XII Line 2C

“The credit union has an audit committee that assumes responsibility for oversight of the audit of the financial statements and the selection of an independent accountant.”

Raw XML AppendixShowing 400 of 890 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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