Civic Intelligence

Education Credit Union

EIN 75-0693720 • 501(c)14 • Amarillo, TX

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Profile

To be the preferred financial services provider for our membership

6203 Hillside RdAmarillo, TX 79109

n/A

Siviq Scores

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

Liabilities / Assets

34th percentile

0.89x

Higher debt load relative to assets than 34% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Source year 2024

Liabilities / Revenue

6th percentile

10.43x

Higher debt load relative to revenue than 6% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Source year 2024

Net Margin

6th percentile

-4.3%

Higher net margin than 6% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Source year 2024

Top Officer Pay

85th percentile

$682,756

Higher top officer pay than 85% of similar nonprofits.

Top officer pay equals 1.7% of source-year revenue.

501(c)14 • $250M-$1B nonprofits • Source year 2024

Asset Growth

16th percentile

-2.1%

Faster asset growth than 16% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Annualized from 2023 to 2024

Revenue Growth

26th percentile

7.0%

Faster revenue growth than 26% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets34th percentile

Assets

Down

$467,761,389

Down $10,031,220 (-2.1%) from 2023

Liabilities

Down

$415,479,953

Down $7,685,387 (-1.8%) from 2023

Net Assets

Down

$52,281,436

Down $2,345,833 (-4.3%) from 2023

Operations
Liabilities / Revenue6th percentileNet Margin6th percentile

Revenue

Up

$39,847,189

Up $2,618,638 (+7.0%) from 2023

Expenses

Up

$41,557,873

Up $5,121,920 (+14%) from 2023

Net Income

Down

-$1,710,684

Down $2,503,282 (-316%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth16th percentile

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

$600M$400M$200M$0Assets 2010: $149,302,305Liabilities 2010: $130,865,702Net Assets 2010: $18,436,6032010Assets 2011: $163,825,964Liabilities 2011: $143,384,300Net Assets 2011: $20,441,6642011Assets 2012: $182,294,326Liabilities 2012: $158,605,683Net Assets 2012: $23,688,6432012Assets 2013: $206,784,289Liabilities 2013: $180,033,235Net Assets 2013: $26,751,0542013Assets 2014: $225,483,132Liabilities 2014: $195,824,505Net Assets 2014: $29,658,6272014Assets 2015: $238,472,872Liabilities 2015: $207,278,639Net Assets 2015: $31,194,2332015Assets 2016: $247,886,897Liabilities 2016: $214,565,510Net Assets 2016: $33,321,3872016Assets 2017: $254,338,721Liabilities 2017: $219,490,235Net Assets 2017: $34,848,4862017Assets 2018: $258,385,037Liabilities 2018: $221,717,577Net Assets 2018: $36,667,4602018Assets 2019: $278,059,406Liabilities 2019: $238,555,904Net Assets 2019: $39,503,5022019Assets 2020: $330,438,723Liabilities 2020: $288,873,997Net Assets 2020: $41,564,7262020Assets 2021: $372,921,593Liabilities 2021: $327,493,980Net Assets 2021: $45,427,6132021Assets 2022: $421,777,858Liabilities 2022: $374,932,010Net Assets 2022: $46,845,8482022Assets 2023: $477,792,609Liabilities 2023: $423,165,340Net Assets 2023: $54,627,2692023Assets 2024: $467,761,389Liabilities 2024: $415,479,953Net Assets 2024: $52,281,4362024

Highlighted filing

2024

Assets$467,761,389
Liabilities$415,479,953
Net Assets$52,281,436
Open 2024 Filing

Operations Trend

Revenue Growth26th percentile

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

$60M$40M$20M$0-$20MExpenses 2010: $8,748,5172010Expenses 2011: $9,111,1082011Expenses 2012: $9,877,0632012Revenue 2013: $15,385,278Expenses 2013: $12,299,873Net Income 2013: $3,085,4052013Revenue 2014: $16,415,383Expenses 2014: $14,803,492Net Income 2014: $1,611,8912014Revenue 2015: $17,866,755Expenses 2015: $16,597,743Net Income 2015: $1,269,0122015Revenue 2016: $18,446,468Expenses 2016: $16,313,648Net Income 2016: $2,132,8202016Revenue 2017: $19,163,938Expenses 2017: $17,596,074Net Income 2017: $1,567,8642017Revenue 2018: $20,795,991Expenses 2018: $18,954,260Net Income 2018: $1,841,7312018Revenue 2019: $22,634,978Expenses 2019: $19,952,663Net Income 2019: $2,682,3152019Revenue 2020: $22,720,383Expenses 2020: $20,709,413Net Income 2020: $2,010,9702020Revenue 2021: $24,947,784Expenses 2021: $20,987,764Net Income 2021: $3,960,0202021Revenue 2022: $29,329,321Expenses 2022: $26,581,499Net Income 2022: $2,747,8222022Revenue 2023: $37,228,551Expenses 2023: $36,435,953Net Income 2023: $792,5982023Revenue 2024: $39,847,189Expenses 2024: $41,557,873Net Income 2024: -$1,710,6842024

Highlighted filing

2024

Revenue$39,847,189
Expenses$41,557,873
Net Income-$1,710,684
Open 2024 Filing

Filings

Most recent year

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

Open filing
Assets
$467,761,389
Liabilities
$415,479,953
Net assets
$52,281,436
Revenue
$39,847,189
Expenses
$41,557,873
Net income
-$1,710,684
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$468$415$52.3$39.8$41.6$1.71
2023Detailed filing. Detailed filing data is available for this year.$478$423$54.6$37.2$36.4$0.79
2022Detailed filing. Detailed filing data is available for this year.$422$375$46.8$29.3$26.6$2.75
2021Detailed filing. Detailed filing data is available for this year.$373$327$45.4$24.9$21.0$3.96
2020Detailed filing. Detailed filing data is available for this year.$330$289$41.6$22.7$20.7$2.01
2019Detailed filing. Detailed filing data is available for this year.$278$239$39.5$22.6$20.0$2.68
2018Detailed filing. Detailed filing data is available for this year.$258$222$36.7$20.8$19.0$1.84
2017Detailed filing. Detailed filing data is available for this year.$254$219$34.8$19.2$17.6$1.57
2016Detailed filing. Detailed filing data is available for this year.$248$215$33.3$18.4$16.3$2.13
2015Detailed filing. Detailed filing data is available for this year.$238$207$31.2$17.9$16.6$1.27
2014Detailed filing. Detailed filing data is available for this year.$225$196$29.7$16.4$14.8$1.61
2013Detailed filing. Detailed filing data is available for this year.$207$180$26.8$15.4$12.3$3.09
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$182$159$23.7$9.88
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$164$143$20.4$9.11
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$149$131$18.4$8.75
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Apr 24, 2025
Return Version
2024v5.1
Gross Receipts
$39,847,189
Mission and Program Overview

Mission

To be the preferred financial services provider for our membership

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$376,032,597$379,545,655▲ $3,513,058
Rtn Earn Endowment Incm Other Fnds$54,627,269$52,281,436▼ $2,345,833
Land, Buildings, and Equipment, Net$24,036,904$24,457,056▲ $420,152
Savings and Temporary Cash Investments$25,397,647$16,541,625▼ $8,856,022
Investments in Publicly Traded Securities$17,510,155$16,041,950▼ $1,468,205
Cash and Non-Interest-Bearing Accounts$4,102,945$3,012,420▼ $1,090,525
Prepaid Expenses and Deferred Charges$1,807,176$1,995,155▲ $187,979
Investments Other Securities$5,977,600$1,973,900▼ $4,003,700
Receivables From Officers Etc$1,196,590$1,449,515▲ $252,925
Total Assets$477,792,609$467,761,389▼ $10,031,220
Other Assets Total$21,730,995$22,744,113▲ $1,013,118
Liabilities
Other Liabilities$388,576,567$379,456,131▼ $9,120,436
Unsecured Notes Loans Payable$25,000,000$25,300,000▲ $300,000
Accounts Payable and Accrued Expenses$9,588,773$10,723,822▲ $1,135,049
Total Liabilities$423,165,340$415,479,953▼ $7,685,387
Net Assets / Fund Balance
Total Net Assets Fund Balance$54,627,269$52,281,436▼ $2,345,833
Total Liabilities and Net Assets / Fund Balance$477,792,609$467,761,389▼ $10,031,220

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$13,897,119$3,594,962-
Land$3,118,974--
Equipment$7,440,963$9,681,913-
Other Securities$1,233,900--
Compensation and Service Providers
Top Officer Pay85th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Marcus Smith--$417,640$265,117$682,757
Marcus SmithCEOFT$630,192$52,564$682,756
Claudia BurkettExecutive VPFT$421,238$42,183$463,421
Claudia Burkett--$217,000$246,421$463,421
William GlassCOOFT$215,252$30,219$245,471
William Glass--$192,886$52,585$245,471
Adrian AleandreSVP of LendingFT$180,188$26,671$206,859
Adrian Aleandre--$174,997$31,862$206,859
Jen UffordCompliance OfficerFT$162,247$25,254$187,501
Jen Ufford--$151,617$35,884$187,501
Amy HamiltonVP LendingFT$159,632$24,016$183,648
Amy Hamilton--$143,318$40,330$183,648
Bradley HerbertSVP of ITFT$163,314$18,298$181,612
Bradley Herbert--$149,724$31,888$181,612
Johnny HarrisSVP of Learning & Dev.FT$129,450$21,900$151,350
Johnny Harris--$119,646$31,704$151,350
Elizabeth AsheVP of Special ProjectsFT$121,576$21,068$142,644
Joseph CowdenDirector of ITFT$116,538$20,152$136,690
Melissa GutierrezDirector Retail OperationsFT$113,585$20,331$133,916
Brittnie AguirreMortgage ManagerFT$110,016$19,809$129,825

Board Members and Trustees

NameTitle
Linda PurdyChairman
Steve WestVice Chair
Bionca TomlinsonDirector
Cody MyersDirector
Daniel CowardDirector
Duane ChapmanDirector
Jimmy MarrsDirector
Kent HargisDirector
Mark SnyderDirector
Quince CogburnTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$27,162,583
Investment Income
$1,481,482
Other Revenue
$11,203,124
Change in Net Assets
$-1,710,684
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$27,367,924
Salaries, Compensation, and Employee Benefits$14,189,949
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Expenses$8,747,910$0$0$8,747,910
Other Salaries and Wages$8,060,854$0$0$8,060,854
Office Expenses$5,781,951$0$0$5,781,951
Current Officers, Directors, Trustees, and Key Employees$2,523,288$0$0$2,523,288
Other Employee Benefits$1,841,198$0$0$1,841,198
Depreciation Depletion$1,670,189$0$0$1,670,189
Fees for Services Other$1,615,324$0$0$1,615,324
Advertising$1,022,091$0$0$1,022,091
Pension Plan Contributions$962,204$0$0$962,204
Occupancy$886,013$0$0$886,013
Interest$808,241$0$0$808,241
Payroll Taxes$802,405$0$0$802,405
All Other Expenses$398,083$0$0$398,083
Conferences and Meetings$264,004$0$0$264,004
Insurance$206,735$0$0$206,735
Fees for Services Accounting$123,393$0$0$123,393
Fees for Services Legal$13,314$0$0$13,314
Total Functional Expenses$41,557,873$0$0$41,557,873
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
Receivables from Officers, Directors, Trustees, and Key Employees$1,196,590$1,449,515▲ $252,925
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Shares and Deposits$379,456,131
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
No
Management duties delegated
No
Filing and Contact Details

Filer

Filer Name
Education Credit Union
EIN
75-0693720
Phone
8063587777
Address
6203 Hillside Rd, Amarillo, TX 79109

Signing Officer

Name
Marcus Smith
Title
CEO
Phone
8063587777
Signed
2025-04-24
Discuss with paid preparer
Yes

Organization Details

Formed
1935
Legal Domicile
TX
Voting Board Members
9
Independent Board Members
9
Employees
205
Volunteers
9

Preparer

Firm
Greg R Schmidt CPA
Address
26 Cypress Pt, Amarillo, TX 79124
Preparer
Greg R Schmidt
Phone
8552759297
Supplemental Narrative

Additional Explanations

Pt VI, Line 6

“The credit union is wholly owned by its members”

Pt VI, Line 7A

“Three of the nine Board positions are voted on annually”

Pt VI, Line 11B

“This form was made available for the Board to review”

Pt VI, Line 12C

“Board members swear under oath that they are not involved”

Pt VI, Line 12C

“in any activity that would create a conflict of interest”

Pt VI, Line 15A

“The credit union employs an outside firm to review compensation”

Pt VI, Line 15B

“The credit union employs an outside firm to review compensation”

Raw XML AppendixShowing 400 of 754 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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