Civic Intelligence

Southwest 66 Credit Union

EIN 75-0815084 • 501(c)14 • Odessa, TX

View Organization Page

Profile

Cooperative provider of credit union services such as savings accounts, checking accounts, and consumer loans.

PO Box 12010Odessa, TX 79768

www.southwest66.com

Siviq Scores

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

Liabilities / Assets

56th percentile

0.90x

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

501(c)14 • $100M-$250M nonprofits • Source year 2024

Liabilities / Revenue

35th percentile

13.78x

Higher debt load relative to revenue than 35% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Source year 2024

Net Margin

38th percentile

9.3%

Higher net margin than 38% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Source year 2024

Top Officer Pay

33rd percentile

$199,644

Higher top officer pay than 33% of similar nonprofits.

Top officer pay equals 2.9% of source-year revenue.

501(c)14 • $100M-$250M nonprofits • Source year 2024

Asset Growth

46th percentile

2.1%

Faster asset growth than 46% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Annualized from 2023 to 2024

Revenue Growth

41st percentile

11%

Faster revenue growth than 41% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets56th percentile

Assets

Up

$105,232,049

Up $2,165,678 (+2.1%) from 2023

Liabilities

Up

$94,403,179

Up $1,604,841 (+1.7%) from 2023

Net Assets

Up

$10,828,870

Up $560,837 (+5.5%) from 2023

Operations
Liabilities / Revenue35th percentileNet Margin38th percentile

Revenue

Up

$6,852,857

Up $687,997 (+11%) from 2023

Expenses

Up

$6,214,926

Up $405,034 (+7.0%) from 2023

Net Income

Up

$637,931

Up $282,963 (+80%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth46th percentile

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

$150M$100M$50M$0Assets 2010: $63,221,627Liabilities 2010: $57,077,060Net Assets 2010: $6,144,5672010Assets 2011: $73,545,606Liabilities 2011: $66,792,129Net Assets 2011: $6,753,4772011Assets 2012: $77,531,118Liabilities 2012: $70,215,457Net Assets 2012: $7,315,6612012Assets 2013: $82,513,548Liabilities 2013: $74,474,897Net Assets 2013: $8,038,6512013Assets 2014: $86,556,386Liabilities 2014: $77,679,798Net Assets 2014: $8,876,5882014Assets 2015: $81,224,183Liabilities 2015: $72,245,676Net Assets 2015: $8,978,5072015Assets 2016: $75,636,276Liabilities 2016: $66,714,477Net Assets 2016: $8,921,7992016Assets 2017: $85,392,080Liabilities 2017: $76,606,013Net Assets 2017: $8,786,0672017Assets 2018: $84,879,429Liabilities 2018: $76,028,508Net Assets 2018: $8,850,9212018Assets 2019: $84,782,768Liabilities 2019: $74,979,428Net Assets 2019: $9,803,3402019Assets 2020: $95,778,032Liabilities 2020: $85,259,839Net Assets 2020: $10,518,1932020Assets 2021: $98,815,098Liabilities 2021: $88,248,847Net Assets 2021: $10,566,2512021Assets 2022: $100,245,342Liabilities 2022: $90,542,197Net Assets 2022: $9,703,1452022Assets 2023: $103,066,371Liabilities 2023: $92,798,338Net Assets 2023: $10,268,0332023Assets 2024: $105,232,049Liabilities 2024: $94,403,179Net Assets 2024: $10,828,8702024

Highlighted filing

2024

Assets$105,232,049
Liabilities$94,403,179
Net Assets$10,828,870
Open 2024 Filing

Operations Trend

Revenue Growth41st percentile

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

$8.0M$6.0M$4.0M$2.0M$0-$2.0MExpenses 2010: $3,824,1752010Revenue 2011: $4,006,756Expenses 2011: $3,425,523Net Income 2011: $581,2332011Revenue 2012: $3,940,938Expenses 2012: $3,387,893Net Income 2012: $553,0452012Revenue 2013: $4,635,550Expenses 2013: $3,790,658Net Income 2013: $844,8922013Revenue 2014: $4,695,301Expenses 2014: $3,925,404Net Income 2014: $769,8972014Revenue 2015: $4,209,915Expenses 2015: $3,979,576Net Income 2015: $230,3392015Revenue 2016: $4,307,324Expenses 2016: $4,059,079Net Income 2016: $248,2452016Revenue 2017: $4,031,576Expenses 2017: $4,227,074Net Income 2017: -$195,4982017Revenue 2018: $5,138,036Expenses 2018: $4,849,539Net Income 2018: $288,4972018Revenue 2019: $5,611,966Expenses 2019: $5,197,120Net Income 2019: $414,8462019Revenue 2020: $5,741,091Expenses 2020: $5,192,967Net Income 2020: $548,1242020Revenue 2021: $5,693,763Expenses 2021: $5,385,024Net Income 2021: $308,7392021Revenue 2022: $5,770,255Expenses 2022: $5,301,948Net Income 2022: $468,3072022Revenue 2023: $6,164,860Expenses 2023: $5,809,892Net Income 2023: $354,9682023Revenue 2024: $6,852,857Expenses 2024: $6,214,926Net Income 2024: $637,9312024

Highlighted filing

2024

Revenue$6,852,857
Expenses$6,214,926
Net Income$637,931
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$105,232,049
Liabilities
$94,403,179
Net assets
$10,828,870
Revenue
$6,852,857
Expenses
$6,214,926
Net income
$637,931
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$105$94.4$10.8$6.85$6.21$0.64
2023Detailed filing. Detailed filing data is available for this year.$103$92.8$10.3$6.16$5.81$0.35
2022Detailed filing. Detailed filing data is available for this year.$100$90.5$9.70$5.77$5.30$0.47
2021Detailed filing. Detailed filing data is available for this year.$98.8$88.2$10.6$5.69$5.39$0.31
2020Detailed filing. Detailed filing data is available for this year.$95.8$85.3$10.5$5.74$5.19$0.55
2019Detailed filing. Detailed filing data is available for this year.$84.8$75.0$9.80$5.61$5.20$0.41
2018Detailed filing. Detailed filing data is available for this year.$84.9$76.0$8.85$5.14$4.85$0.29
2017Detailed filing. Detailed filing data is available for this year.$85.4$76.6$8.79$4.03$4.23$0.20
2016Detailed filing. Detailed filing data is available for this year.$75.6$66.7$8.92$4.31$4.06$0.25
2015Detailed filing. Detailed filing data is available for this year.$81.2$72.2$8.98$4.21$3.98$0.23
2014Detailed filing. Detailed filing data is available for this year.$86.6$77.7$8.88$4.70$3.93$0.77
2013Detailed filing. Detailed filing data is available for this year.$82.5$74.5$8.04$4.64$3.79$0.84
2012Summary only. Only limited summary data is available for this year.$77.5$70.2$7.32$3.94$3.39$0.55
2011Summary only. Only limited summary data is available for this year.$73.5$66.8$6.75$4.01$3.43$0.58
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$63.2$57.1$6.14$3.82
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Nov 1, 2025
Return Version
2024v5.2
Gross Receipts
$6,852,857
Mission and Program Overview

Mission

Cooperative provider of credit union services such as savings accounts, checking accounts, and consumer loans.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$70,713,809$70,948,884▲ $235,075
Investments in Publicly Traded Securities$16,313,342$17,126,409▲ $813,067
Rtn Earn Endowment Incm Other Fnds$10,268,033$10,828,870▲ $560,837
Cash and Non-Interest-Bearing Accounts$6,284,162$7,120,014▲ $835,852
Land, Buildings, and Equipment, Net$2,771,371$2,780,340▲ $8,969
Receivables From Officers Etc$1,533,895$2,001,636▲ $467,741
Savings and Temporary Cash Investments$996,000$498,000▼ $498,000
Prepaid Expenses and Deferred Charges$251,477$447,374▲ $195,897
Total Assets$103,066,371$105,232,049▲ $2,165,678
Other Assets Total$4,202,315$4,309,392▲ $107,077
Liabilities
Other Liabilities$90,664,398$93,432,716▲ $2,768,318
Accounts Payable and Accrued Expenses$2,133,940$970,463▼ $1,163,477
Total Liabilities$92,798,338$94,403,179▲ $1,604,841
Net Assets / Fund Balance
Total Net Assets Fund Balance$10,268,033$10,828,870▲ $560,837
Total Liabilities and Net Assets / Fund Balance$103,066,371$105,232,049▲ $2,165,678

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$2,223,946$2,621,030$4,844,976
Equipment$209,127$2,483,007$2,692,134
Other Land Buildings$234,929$63,934$298,863
Leasehold Improvements$14,264$222,925$237,189
Land$98,074-$98,074
Compensation and Service Providers
Top Officer Pay33rd percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Elizabeth NewmanCEOFT$188,784$11,470$200,254
Con BrazealCIOFT$133,784$14,891$148,675
William DukeCOOFT$132,739$14,890$147,629
Erica KingVP of LendingFT$92,766$13,284$106,050
Aaron ChavezVP of Member ServicesFT$72,052$9,562$81,614
Jerry RenoBoard Secretary-$1,800-$1,800
Jack BainBoard Vice Chairman-$1,300-$1,300
James BeauchampDirector-$1,250-$1,250
Tom SprawlsBoard Treasurer-$1,250-$1,250
Terry LouvinDirector-$1,100-$1,100
Kris CrowBoard Chairman-$1,050-$1,050
Ray FowlerDirector-$1,000-$1,000
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$5,720,933
Investment Income
$904,291
Other Revenue
$227,633
Change in Net Assets
$637,931
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$3,545,454
Salaries, Compensation, and Employee Benefits$2,669,472
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$1,558,902
Office Expenses---$1,255,193
Interest---$1,072,829
Current Officers, Directors, Trustees, and Key Employees---$628,264
Other Employee Benefits---$270,361
Occupancy---$254,428
Depreciation Depletion---$236,706
Payroll Taxes---$154,581
Conferences and Meetings---$132,999
Advertising---$118,150
Pension Plan Contributions---$57,364
Other Expenses---$51,080
Fees for Services Accounting---$42,208
Fees for Services Other---$39,562
Fees for Services Legal---$5,868
Total Functional Expenses$0$0$0$6,214,926
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$1,533,895$2,001,636▲ $467,741
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Federal income taxes$93,432,716
Share Accounts and Certificates of Deposit-
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
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

Form 990, Part VI, Section A, Line 6

“All members are stockholders”

Form 990, Part VI, Section A, Line 7A and 7B

“Members elect the board of directors who make decisions for the credit union.”

Form 990, Part VI, Section B, Line 11B

“The COO and CIO review the 990 and 990-T prior to filing.”

Form 990, Part VI, Section B, Line 12C

“Directors are made aware of the policy and sign a conflict of interest statement upon their election to the board. It is monitored by executive management and officers.”

Form 990, Part VI, Section B, Line 15A and 15B

“The board reviews compensation of the CEO and does a performance evaluation annually. Executive management evaluates officers who are employees as part of their regular job performance review.”

Form 990, Part VI, Section C, Line 19

“Governing documents, financial statements, and the 990 are available for inspection at the credit unions office at 4041 E. 52nd St. Odessa, TX 79762.”

Filing and Contact Details

Filer

Filer Name
Southwest 66 Credit Union
EIN
75-0815084
Phone
4323636600
Address
PO Box 12010, ODESSA, TX 79768

Signing Officer

Name
Elizabeth Newman
Title
CEO
Phone
4323636600
Signed
2025-11-01
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Elizabeth Newman
Formed
1949
Legal Domicile
TX
Voting Board Members
7
Independent Board Members
7
Employees
52

Preparer

Firm
Randy Silhan CPA Cfe
Address
PO BOX 1341, WOLFFORTH, TX 79382
Preparer
Randy Silhan
Phone
4325800204
Raw XML AppendixShowing 400 of 483 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.

Path#Value
IRS990/AccountantCompileOrReviewInd0false
IRS990/AccountsPayableAccrExpnssGrp/BOYAmt02133940
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt0970463
IRS990/ActivitiesConductedPrtshpInd0false
IRS990/ActivityOrMissionDesc0Cooperative provider of credit union services such as savings accounts, checking accounts, and consumer loans.
IRS990/AdvertisingGrp/TotalAmt0118150
IRS990/AllOtherExpensesGrp/TotalAmt00
IRS990/AnnualDisclosureCoveredPrsnInd0true
IRS990/BenefitsToMembersGrp/TotalAmt00
IRS990/BooksInCareOfDetail/BusinessName/BusinessNameLine1Txt0SOUTHWEST 66 CREDIT UNION
IRS990/BooksInCareOfDetail/PhoneNum04323636600
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt0PO BOX 12010
IRS990/BooksInCareOfDetail/USAddress/CityNm0ODESSA
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0TX
IRS990/BooksInCareOfDetail/USAddress/ZIPCd079768
IRS990/BusinessRlnWith35CtrlEntInd0false
IRS990/BusinessRlnWithFamMemInd0false
IRS990/BusinessRlnWithOrgMemInd0false
IRS990/CashNonInterestBearingGrp/BOYAmt06284162
IRS990/CashNonInterestBearingGrp/EOYAmt07120014
IRS990/ChangeToOrgDocumentsInd0false
IRS990/CollectionsOfArtInd0false
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt0628264
IRS990/CompDisqualPersonsGrp/TotalAmt00
IRS990/CompensationFromOtherSrcsInd0false
IRS990/CompensationProcessCEOInd0true
IRS990/CompensationProcessOtherInd0true
IRS990/ConferencesMeetingsGrp/TotalAmt0132999
IRS990/ConflictOfInterestPolicyInd0true
IRS990/ConservationEasementsInd0false
IRS990/ConsolidatedAuditFinclStmtInd0false
IRS990/CreditCounselingInd0false
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt0904291
IRS990/CYOtherExpensesAmt03545454
IRS990/CYOtherRevenueAmt0227633
IRS990/CYProgramServiceRevenueAmt05720933
IRS990/CYRevenuesLessExpensesAmt0637931
IRS990/CYSalariesCompEmpBnftPaidAmt02669472
IRS990/CYTotalExpensesAmt06214926
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt06852857
IRS990/DecisionsSubjectToApprovaInd0true
IRS990/DeductibleArtContributionInd0false
IRS990/DeductibleNonCashContriInd0false
IRS990/DelegationOfMgmtDutiesInd0false
IRS990/DepreciationDepletionGrp/TotalAmt0236706
IRS990/Desc0SHARE ACCOUNTS MEMBER SHARE ACCOUNTS PAY DIVIDENDS QUARTERLY.
IRS990/DescribedInSection501c3Ind0false
IRS990/DisregardedEntityInd0false
IRS990/DocumentRetentionPolicyInd0true
IRS990/DonorAdvisedFundInd0false
IRS990/DonorRstrOrQuasiEndowmentsInd0false
IRS990/ElectionOfBoardMembersInd0true
IRS990/EmployeeCnt052
IRS990/EmploymentTaxReturnsFiledInd0true
IRS990/FamilyOrBusinessRlnInd0false
IRS990/FederalGrantAuditRequiredInd0false
IRS990/FeesForServicesAccountingGrp/TotalAmt042208
IRS990/FeesForServicesLegalGrp/TotalAmt05868
IRS990/FeesForServicesLobbyingGrp/TotalAmt00
IRS990/FeesForServicesManagementGrp/TotalAmt00
IRS990/FeesForServicesOtherGrp/TotalAmt039562
IRS990/FeesForSrvcInvstMgmntFeesGrp/TotalAmt00
IRS990/ForeignActivitiesInd0false
IRS990/ForeignFinancialAccountInd0false
IRS990/ForeignGrantsGrp/TotalAmt00
IRS990/ForeignOfficeInd0false
IRS990/Form8282PropertyDisposedOfInd0false
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt0040.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1040.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt2040.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt3040.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt4040.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt5001.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt6001.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt7001.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt8001.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt9001.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt10001.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt11001.00
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd1X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd2X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd3X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd4X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd5X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd6X
IRS990/Form990PartVIISectionAGrp/KeyEmployeeInd0X
IRS990/Form990PartVIISectionAGrp/OfficerInd0X
IRS990/Form990PartVIISectionAGrp/OfficerInd1X
IRS990/Form990PartVIISectionAGrp/OfficerInd2X
IRS990/Form990PartVIISectionAGrp/OfficerInd3X
IRS990/Form990PartVIISectionAGrp/OfficerInd4X
IRS990/Form990PartVIISectionAGrp/OfficerInd5X
IRS990/Form990PartVIISectionAGrp/OfficerInd6X
IRS990/Form990PartVIISectionAGrp/OfficerInd7X
IRS990/Form990PartVIISectionAGrp/OfficerInd8X
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt011471
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt114891
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt214890
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt313284
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt49562
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt50
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt60
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt70
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt80
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt90
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt100
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt110
IRS990/Form990PartVIISectionAGrp/PersonNm0ELIZABETH NEWMAN
IRS990/Form990PartVIISectionAGrp/PersonNm1CON BRAZEAL
IRS990/Form990PartVIISectionAGrp/PersonNm2WILLIAM DUKE
IRS990/Form990PartVIISectionAGrp/PersonNm3ERICA KING
IRS990/Form990PartVIISectionAGrp/PersonNm4AARON CHAVEZ
IRS990/Form990PartVIISectionAGrp/PersonNm5JERRY RENO
IRS990/Form990PartVIISectionAGrp/PersonNm6JACK BAIN
IRS990/Form990PartVIISectionAGrp/PersonNm7TOM SPRAWLS
IRS990/Form990PartVIISectionAGrp/PersonNm8JAMES BEAUCHAMP
IRS990/Form990PartVIISectionAGrp/PersonNm9TERRY LOUVIN
IRS990/Form990PartVIISectionAGrp/PersonNm10KRIS CROW
IRS990/Form990PartVIISectionAGrp/PersonNm11RAY FOWLER
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt0188173
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt1133784
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt2132739
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt392766
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt472052
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt51800
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt61300
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt71250
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt81250
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt91100
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt101050
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt111000
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt90
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt100
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt110
IRS990/Form990PartVIISectionAGrp/TitleTxt0CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt1CIO
IRS990/Form990PartVIISectionAGrp/TitleTxt2COO
IRS990/Form990PartVIISectionAGrp/TitleTxt3VP of Lending
IRS990/Form990PartVIISectionAGrp/TitleTxt4VP of Member Services
IRS990/Form990PartVIISectionAGrp/TitleTxt5Board Secretary
IRS990/Form990PartVIISectionAGrp/TitleTxt6Board Vice Chairman
IRS990/Form990PartVIISectionAGrp/TitleTxt7Board Treasurer
IRS990/Form990PartVIISectionAGrp/TitleTxt8Director
IRS990/Form990PartVIISectionAGrp/TitleTxt9Director
IRS990/Form990PartVIISectionAGrp/TitleTxt10Board Chairman
IRS990/Form990PartVIISectionAGrp/TitleTxt11Director
IRS990/Form990ProvidedToGvrnBodyInd0false
IRS990/Form990TFiledInd0true
IRS990/FormationYr01949
IRS990/FormerOfcrEmployeesListedInd0false
IRS990/FSAuditedInd0false
IRS990/FundraisingActivitiesInd0false
IRS990/GamingActivitiesInd0false
IRS990/GoverningBodyVotingMembersCnt07
IRS990/GrantsToDomesticIndividualsGrp/TotalAmt00
IRS990/GrantsToDomesticOrgsGrp/TotalAmt00
IRS990/GrantsToIndividualsInd0false
IRS990/GrantsToOrganizationsInd0false
IRS990/GrantToRelatedPersonInd0false
IRS990/GrossReceiptsAmt06852857
IRS990/GroupReturnForAffiliatesInd0false
IRS990/IncludeFIN48FootnoteInd0false
IRS990/IndependentAuditFinclStmtInd0false
IRS990/IndependentVotingMemberCnt07
IRS990/IndivRcvdGreaterThan100KCnt04
IRS990/IndoorTanningServicesInd0false
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InformationTechnologyGrp/TotalAmt00
IRS990/InsuranceGrp/TotalAmt00
IRS990/InterestGrp/TotalAmt01072829
IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt0904291
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt0904291
IRS990/InvestmentInJointVentureInd0false
IRS990/InvestmentsPubTradedSecGrp/BOYAmt016313342
IRS990/InvestmentsPubTradedSecGrp/EOYAmt017126409
IRS990/IRPDocumentCnt016
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt05390896
IRS990/LandBldgEquipBasisNetGrp/BOYAmt02771371
IRS990/LandBldgEquipBasisNetGrp/EOYAmt02780340
IRS990/LandBldgEquipCostOrOtherBssAmt08171236
IRS990/LegalDomicileStateCd0TX
IRS990/LoanOutstandingInd0true
IRS990/LocalChaptersInd0true
IRS990/MaterialDiversionOrMisuseInd0false
IRS990/MembersOrStockholdersInd0true
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd0true
IRS990/MinutesOfGoverningBodyInd0true
IRS990/MiscellaneousRevenueGrp/RelatedOrExemptFuncIncomeAmt049592
IRS990/MiscellaneousRevenueGrp/TotalRevenueColumnAmt049592
IRS990/MissionDesc0Cooperative provider of credit union services such as savings accounts, checking accounts, and consumer loans.
IRS990/MoreThan5000KToIndividualsInd0false
IRS990/MoreThan5000KToOrgInd0false
IRS990/NetAssetsOrFundBalancesBOYAmt010268033
IRS990/NetAssetsOrFundBalancesEOYAmt010828870
IRS990/NetUnrlzdGainsLossesInvstAmt0-77094
IRS990/NondeductibleContributionsInd0false
IRS990/OccupancyGrp/TotalAmt0254428
IRS990/OfficeExpensesGrp/TotalAmt01255193
IRS990/OfficerMailingAddressInd0false
IRS990/OperateHospitalInd0false
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt04202315
IRS990/OtherAssetsTotalGrp/EOYAmt04309392
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0270361
IRS990/OtherExpensesGrp/Desc0PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/Desc1LOAN SERVICING
IRS990/OtherExpensesGrp/Desc2ASSOCIATION DUES
IRS990/OtherExpensesGrp/Desc3MISCELLANEOUS OPERATING EXPENSES
IRS990/OtherExpensesGrp/TotalAmt0266087
IRS990/OtherExpensesGrp/TotalAmt149035
IRS990/OtherExpensesGrp/TotalAmt221309
IRS990/OtherExpensesGrp/TotalAmt351080
IRS990/OtherLiabilitiesGrp/BOYAmt090664398
IRS990/OtherLiabilitiesGrp/EOYAmt093432716
IRS990/OtherRevenueMiscGrp/BusinessCd0522100
IRS990/OtherRevenueMiscGrp/BusinessCd1522100
IRS990/OtherRevenueMiscGrp/BusinessCd2525100
IRS990/OtherRevenueMiscGrp/Desc0WARRANTY SALES
IRS990/OtherRevenueMiscGrp/Desc1GAP Credit life and disability insurance
IRS990/OtherRevenueMiscGrp/Desc2LIFE INSURANCE INCOME
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt056471
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt153320
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt068250
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt156471
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt253320
IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt068250
IRS990/OtherRevenueTotalAmt0227633
IRS990/OtherSalariesAndWagesGrp/TotalAmt01558902
IRS990/OtherWebsiteInd0X
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt070713809
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt070948884
IRS990/PartialLiquidationInd0false
IRS990/PaymentsToAffiliatesGrp/TotalAmt00
IRS990/PayPremiumsPrsnlBnftCntrctInd0false
IRS990/PayrollTaxesGrp/TotalAmt0154581
IRS990/PensionPlanContributionsGrp/TotalAmt057364
IRS990/PoliciesReferenceChaptersInd0true
IRS990/PoliticalCampaignActyInd0false
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0251477
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0447374
IRS990/PrincipalOfficerNm0ELIZABETH NEWMAN
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/Desc0LOAN INTEREST INCOME
IRS990/ProgramServiceRevenueGrp/Desc1FEES AND CHARGES
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt04385877
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt11335056
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt04385877
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt11335056
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYInvestmentIncomeAmt0713313
IRS990/PymtTravelEntrtnmntPubOfclGrp/TotalAmt00
IRS990/PYOtherExpensesAmt03236212
IRS990/PYOtherRevenueAmt0266994
IRS990/PYProgramServiceRevenueAmt05184553
IRS990/PYRevenuesLessExpensesAmt0354968
IRS990/PYSalariesCompEmpBnftPaidAmt02573680
IRS990/PYTotalExpensesAmt05809892
IRS990/PYTotalRevenueAmt06164860
IRS990/QuidProQuoContributionsInd0false
IRS990/RcvFndsToPayPrsnlBnftCntrctInd0false
IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt01533895
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt02001636
IRS990/ReconcilationRevenueExpnssAmt0637931
IRS990/RegularMonitoringEnfrcInd0true
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RoyaltiesGrp/TotalAmt00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt010268033
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt010828870
IRS990/SavingsAndTempCashInvstGrp/BOYAmt0996000
IRS990/SavingsAndTempCashInvstGrp/EOYAmt0498000
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/BuildingsGrp/BookValueAmt02223946
IRS990ScheduleD/BuildingsGrp/DepreciationAmt02621030
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt04844976
IRS990ScheduleD/EquipmentGrp/BookValueAmt0209127
IRS990ScheduleD/EquipmentGrp/DepreciationAmt02483007
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt02692134
IRS990ScheduleD/InclEscrowCustodialAcctLiabInd0false
IRS990ScheduleD/LandGrp/BookValueAmt098074
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt098074
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt014264
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt0222925
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt0237189
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt0234929
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt063934
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt0298863
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt093432716
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0Federal income taxes
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1SHARE ACCOUNTS AND CERTIFICATES OF DEPOSIT
IRS990ScheduleD/OtherSecuritiesGrp/Desc0Financial derivatives and other financial products
IRS990ScheduleD/OtherSecuritiesGrp/Desc1Closely-held equity interests
IRS990ScheduleD/TotalBookValueLandBuildingsAmt02780340
IRS990ScheduleD/TotalLiabilityAmt093432716
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd0false
IRS990/ScheduleJRequiredInd0true
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0188784
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt010471
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt0999
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0ELIZABETH NEWMAN
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0CEO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt0200254
IRS990ScheduleJ/SeverancePaymentInd0false
IRS990ScheduleJ/SubstantiationRequiredInd0true
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd0false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt013952
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt130588
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt222150
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt3555998
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt4184551
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt5580221
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt6342775
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt7271401
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd0true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd1true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd2true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd3true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd4true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd5true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd6true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd7true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd0false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd1false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd2false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd3false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd4false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd5false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd6false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd7false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd0X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd1X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd2X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd3X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd4X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd5X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd6X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd7X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt0Personal
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt1Personal
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt2Personal
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt3Personal
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt4Business
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt5Personal
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt6Personal
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt7Personal
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm0William Duke
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm1Con Brazeal
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm2Aaron Chavez
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm3Erica King
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm4Kris Crow LLC
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm5Kris Crow
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm6Jack Bain
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm7Terry Louvin
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt0COO
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt1CIO
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt2VP Member Services
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt3VP Lending
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt4Chairman
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt5Chairman
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt6Vice Chairman
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt7Director
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd0true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd1true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd2true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd3true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd4true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd5true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd6true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd7true
IRS990ScheduleL/TotalBalanceDueAmt02001636
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0All members are stockholders
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1Members elect the board of directors who make decisions for the credit union.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2The COO and CIO review the 990 and 990-T prior to filing.

Document Assets

No mirrored PDF or thumbnail assets are attached yet.