Civic Intelligence

Southwest Heritage Credit Union

EIN 75-0827380 • 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 4898Odessa, TX 79760

www.southwest heritage cu.com

Siviq Scores

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

Liabilities / Assets

34th percentile

0.88x

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

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

Liabilities / Revenue

26th percentile

12.80x

Higher debt load relative to revenue than 26% of similar nonprofits.

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

Net Margin

74th percentile

18%

Higher net margin than 74% of similar nonprofits.

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

Top Officer Pay

94th percentile

$506,821

Higher top officer pay than 94% of similar nonprofits.

Top officer pay equals 3.1% of source-year revenue.

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

Asset Growth

83rd percentile

7.5%

Faster asset growth than 83% of similar nonprofits.

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

Revenue Growth

74th percentile

19%

Faster revenue growth than 74% of similar nonprofits.

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

Balance Sheet
Liabilities / Assets34th percentile

Assets

Up

$239,848,717

Up $16,632,137 (+7.5%) from 2023

Liabilities

Up

$210,429,800

Up $14,587,637 (+7.4%) from 2023

Net Assets

Up

$29,418,917

Up $2,044,500 (+7.5%) from 2023

Operations
Liabilities / Revenue26th percentileNet Margin74th percentile

Revenue

Up

$16,437,590

Up $2,595,977 (+19%) from 2023

Expenses

Up

$13,480,838

Up $2,437,263 (+22%) from 2023

Net Income

Up

$2,956,752

Up $158,714 (+5.7%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth83rd percentile

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

$300M$200M$100M$0Assets 2010: $64,622,954Liabilities 2010: $59,489,844Net Assets 2010: $5,133,1102010Assets 2011: $75,472,582Liabilities 2011: $69,214,206Net Assets 2011: $6,258,3762011Assets 2012: $92,343,210Liabilities 2012: $84,864,259Net Assets 2012: $7,478,9512012Assets 2013: $98,910,309Liabilities 2013: $90,410,327Net Assets 2013: $8,499,9822013Assets 2014: $111,028,087Liabilities 2014: $101,323,632Net Assets 2014: $9,704,4552014Assets 2015: $113,915,164Liabilities 2015: $103,057,266Net Assets 2015: $10,857,8982015Assets 2016: $113,327,824Liabilities 2016: $101,638,150Net Assets 2016: $11,689,6742016Assets 2017: $147,306,160Liabilities 2017: $134,402,674Net Assets 2017: $12,903,4862017Assets 2018: $164,826,203Liabilities 2018: $149,128,853Net Assets 2018: $15,697,3502018Assets 2019: $171,605,818Liabilities 2019: $153,364,832Net Assets 2019: $18,240,9862019Assets 2020: $186,153,186Liabilities 2020: $166,399,691Net Assets 2020: $19,753,4952020Assets 2021: $192,873,869Liabilities 2021: $170,588,295Net Assets 2021: $22,285,5742021Assets 2022: $215,180,278Liabilities 2022: $190,204,390Net Assets 2022: $24,975,8882022Assets 2023: $223,216,580Liabilities 2023: $195,842,163Net Assets 2023: $27,374,4172023Assets 2024: $239,848,717Liabilities 2024: $210,429,800Net Assets 2024: $29,418,9172024

Highlighted filing

2024

Assets$239,848,717
Liabilities$210,429,800
Net Assets$29,418,917
Open 2024 Filing

Operations Trend

Revenue Growth74th percentile

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

$20M$15M$10M$5.0M$0Expenses 2010: $3,722,2342010Expenses 2011: $3,253,5112011Expenses 2012: $3,501,2582012Revenue 2013: $4,942,516Expenses 2013: $3,921,485Net Income 2013: $1,021,0312013Revenue 2014: $5,814,015Expenses 2014: $4,609,542Net Income 2014: $1,204,4732014Revenue 2015: $6,255,394Expenses 2015: $5,101,951Net Income 2015: $1,153,4432015Revenue 2016: $6,633,053Expenses 2016: $5,801,277Net Income 2016: $831,7762016Revenue 2017: $7,799,352Expenses 2017: $6,585,540Net Income 2017: $1,213,8122017Revenue 2018: $10,324,536Expenses 2018: $7,530,672Net Income 2018: $2,793,8642018Revenue 2019: $11,468,959Expenses 2019: $8,925,323Net Income 2019: $2,543,6362019Revenue 2020: $11,038,579Expenses 2020: $9,526,070Net Income 2020: $1,512,5092020Revenue 2021: $11,246,334Expenses 2021: $8,714,255Net Income 2021: $2,532,0792021Revenue 2022: $11,453,066Expenses 2022: $8,762,752Net Income 2022: $2,690,3142022Revenue 2023: $13,841,613Expenses 2023: $11,043,575Net Income 2023: $2,798,0382023Revenue 2024: $16,437,590Expenses 2024: $13,480,838Net Income 2024: $2,956,7522024

Highlighted filing

2024

Revenue$16,437,590
Expenses$13,480,838
Net Income$2,956,752
Open 2024 Filing

Filings

Most recent year

2024 • Form 990XML pending. An XML filing is linked for this year, but detailed extraction is still pending.

Open filing
Assets
$239,848,717
Liabilities
$210,429,800
Net assets
$29,418,917
Revenue
$16,437,590
Expenses
$13,480,838
Net income
$2,956,752
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$240$210$29.4$16.4$13.5$2.96
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$223$196$27.4$13.8$11.0$2.80
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$215$190$25.0$11.5$8.76$2.69
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$193$171$22.3$11.2$8.71$2.53
2020Facts available. Structured filing facts are available, but richer extracted sections are limited.$186$166$19.8$11.0$9.53$1.51
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$172$153$18.2$11.5$8.93$2.54
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$165$149$15.7$10.3$7.53$2.79
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$147$134$12.9$7.80$6.59$1.21
2016Facts available. Structured filing facts are available, but richer extracted sections are limited.$113$102$11.7$6.63$5.80$0.83
2015XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$114$103$10.9$6.26$5.10$1.15
2014XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$111$101$9.70$5.81$4.61$1.20
2013Detailed filing. Detailed filing data is available for this year.$98.9$90.4$8.50$4.94$3.92$1.02
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$92.3$84.9$7.48$3.50
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$75.5$69.2$6.26$3.25
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$64.6$59.5$5.13$3.72
Latest Detailed Filing

The latest 2024 filing currently has linked XML that has not been fully parsed yet. Showing the latest detailed filing from 2022 below.

Jump To
Filing Snapshot
Filing Period
Jan 1, 2022 to Dec 31, 2022
Signed
May 10, 2023
Return Version
2022v5.0
Gross Receipts
$11,453,066
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$120,976,683$143,246,835▲ $22,270,152
Savings and Temporary Cash Investments$56,983,407$56,651,964▼ $331,443
Rtn Earn Endowment Incm Other Fnds$22,285,574$24,975,888▲ $2,690,314
Land, Buildings, and Equipment, Net$5,783,554$5,564,905▼ $218,649
Cash and Non-Interest-Bearing Accounts$3,596,843$3,830,003▲ $233,160
Prepaid Expenses and Deferred Charges$218,671$226,030▲ $7,359
Accounts Receivable-$0-
Pledges and Grants Receivable-$0-
Receivable From Disqualified Prsn-$0-
Receivables From Officers Etc-$0-
Investments Other Securities-$0-
Investments Program Related-$0-
Investments in Publicly Traded Securities-$0-
Intangible Assets-$0-
Inventories for Sale or Use-$0-
Total Assets$192,873,869$215,180,278▲ $22,306,409
Other Assets Total$5,314,711$5,660,541▲ $345,830
Liabilities
Other Liabilities$169,246,600$188,731,106▲ $19,484,506
Accounts Payable and Accrued Expenses$1,341,695$1,473,284▲ $131,589
Total Liabilities$170,588,295$190,204,390▲ $19,616,095
Net Assets / Fund Balance
Total Net Assets Fund Balance$22,285,574$24,975,888▲ $2,690,314
Total Liabilities and Net Assets / Fund Balance$192,873,869$215,180,278▲ $22,306,409

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$3,414,055$1,566,302$4,980,357
Other Land Buildings$992,672$2,435,939$3,428,611
Land$1,158,178-$1,158,178
Compensation and Service Providers
Top Officer Pay94th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Ronny HayesC E OFT$274,486$5,047$279,533
Valerie NewsomDirector-$8,000-$8,000
Edgar Baiza JrChairman-$7,400-$7,400
Cathy GeorgeSecretary-$7,000-$7,000
Neil DobmeierDirector-$6,000-$6,000
Chris GarrettVice Chairman-$5,800-$5,800
Daina PerkinsAdvisory Direct-$5,400-$5,400
Charles CoonTreasurer-$5,200-$5,200
Mary HuntAdvisory Direct-$4,350-$4,350
Stewart MckeehanDirector-$4,200-$4,200
Fred RayAdvisory Direct-$3,900-$3,900
Robert BresciaAdvisory Direct-$3,600-$3,600
Barbara NunezAdvisory Direct-$3,450-$3,450
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$9,727,804
Investment Income
$1,688,114
Other Revenue
$37,148
Change in Net Assets
$2,690,314
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$4,558,017
Other Expenses$4,204,735
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$3,392,729
Office Expenses---$1,223,591
Interest---$869,030
Other Employee Benefits---$821,455
Occupancy---$488,682
Current Officers, Directors, Trustees, and Key Employees---$343,833
Fees for Services Other---$191,793
Advertising---$48,408
Other Expenses---$46,893
All Other Expenses---$42,681
Travel---$22,793
Fees for Services Management---$22,374
Total Functional Expenses$0$0$0$8,762,752
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 Disqualified Persons-$0-
Receivables from Officers, Directors, Trustees, and Key Employees-$0-
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
6$188,731,106
Governance and Compliance

Governance Checklist

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

Form 990, Part VI, Section A, Line 6

“All members are shareholders”

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

“The members elect the board of directors”

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

“If the members do not like the decisions of the board, they can elect new directors”

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

“The board will review the form 990 before it is filed”

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

“All directors are made aware of the policy and it is monitored by the board”

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

“The board reviews annually”

Form 990, Part VI, Section C, Line 19

“The governing documents are available on request. The financial statements are available upon request.”

Filing and Contact Details

Filer

Filer Name
Southwest Heritage Credit Union
EIN
75-0827380
Phone
4323678993
Address
PO BOX 4898, ODESSA, TX 79760

Signing Officer

Name
Edgar Baiza Jr
Title
Chairman
Signed
2023-05-10
Discuss with paid preparer
Yes

Organization Details

Formed
1949
Legal Domicile
TX
Voting Board Members
12
Independent Board Members
12
Employees
85

Preparer

Firm
Green Fillingim & Nieto Pllc
Address
1001 SCURRY ST, BIG SPRING, TX 79720
Preparer
Glenn Fillingim CPA
Phone
4322640008
Raw XML AppendixShowing 400 of 435 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/BOYAmt01341695
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt01473284
IRS990/AccountsReceivableGrp/EOYAmt00
IRS990/ActivitiesConductedPrtshpInd0false
IRS990/ActivityOrMissionDesc0COOPERATIVE PROVIDER OF CREDIT UNION SERVICES SUCH AS SAVINGS ACCOUNTS, CHECKING ACCOUNTS AND CONSUMER LOANS.
IRS990/AdvertisingGrp/TotalAmt048408
IRS990/AllOtherExpensesGrp/TotalAmt042681
IRS990/AnnualDisclosureCoveredPrsnInd0true
IRS990/BackupWthldComplianceInd0true
IRS990/BenefitsToMembersGrp/TotalAmt00
IRS990/BooksInCareOfDetail/PersonNm0GLENN TOLENTINO
IRS990/BooksInCareOfDetail/PhoneNum04323678993
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt0PO BOX 4898
IRS990/BooksInCareOfDetail/USAddress/CityNm0ODESSA
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0TX
IRS990/BooksInCareOfDetail/USAddress/ZIPCd079760
IRS990/BusinessRlnWith35CtrlEntInd0false
IRS990/BusinessRlnWithFamMemInd0false
IRS990/BusinessRlnWithOrgMemInd0false
IRS990/CashNonInterestBearingGrp/BOYAmt03596843
IRS990/CashNonInterestBearingGrp/EOYAmt03830003
IRS990/ChangeToOrgDocumentsInd0false
IRS990/CntrctRcvdGreaterThan100KCnt00
IRS990/CollectionsOfArtInd0false
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt0343833
IRS990/CompDisqualPersonsGrp/TotalAmt00
IRS990/CompensationFromOtherSrcsInd0false
IRS990/CompensationProcessCEOInd0true
IRS990/CompensationProcessOtherInd0true
IRS990/ConferencesMeetingsGrp/TotalAmt00
IRS990/ConflictOfInterestPolicyInd0true
IRS990/ConservationEasementsInd0false
IRS990/ConsolidatedAuditFinclStmtInd0false
IRS990/CreditCounselingInd0false
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt01688114
IRS990/CYOtherExpensesAmt04204735
IRS990/CYOtherRevenueAmt037148
IRS990/CYProgramServiceRevenueAmt09727804
IRS990/CYRevenuesLessExpensesAmt02690314
IRS990/CYSalariesCompEmpBnftPaidAmt04558017
IRS990/CYTotalExpensesAmt08762752
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt011453066
IRS990/DecisionsSubjectToApprovaInd0true
IRS990/DeductibleArtContributionInd0false
IRS990/DeductibleNonCashContriInd0false
IRS990/DelegationOfMgmtDutiesInd0false
IRS990/DepreciationDepletionGrp/TotalAmt00
IRS990/Desc0SHARE ACCOUNTS MEMBER SHARE ACCOUNTS PAY DIVIDENDS QUARTERLY
IRS990/DescribedInSection501c3Ind0false
IRS990/DisregardedEntityInd0false
IRS990/DocumentRetentionPolicyInd0true
IRS990/DonorAdvisedFundInd0false
IRS990/DonorRstrOrQuasiEndowmentsInd0false
IRS990/ElectionOfBoardMembersInd0true
IRS990/EmployeeCnt085
IRS990/EmploymentTaxReturnsFiledInd0true
IRS990/FamilyOrBusinessRlnInd0false
IRS990/FederalGrantAuditRequiredInd0false
IRS990/FeesForServicesAccountingGrp/TotalAmt00
IRS990/FeesForServicesLegalGrp/TotalAmt00
IRS990/FeesForServicesLobbyingGrp/TotalAmt00
IRS990/FeesForServicesManagementGrp/TotalAmt022374
IRS990/FeesForServicesOtherGrp/TotalAmt0191793
IRS990/FeesForServicesProfFundraising/TotalAmt00
IRS990/FeesForSrvcInvstMgmntFeesGrp/TotalAmt00
IRS990/ForeignActivitiesInd0false
IRS990/ForeignFinancialAccountInd0false
IRS990/ForeignGrantsGrp/TotalAmt00
IRS990/ForeignOfficeInd0false
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt00.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt10.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt20.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt30.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt40.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt50.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt60.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt70.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt80.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt90.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt100.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt110.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt120.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt040.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt11.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt21.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt31.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt41.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt51.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt61.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt71.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt81.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt91.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt101.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt110.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt121.00
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd1X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd2X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd3X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd4X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd5X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd6X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd7X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd8X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd9X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd10X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd11X
IRS990/Form990PartVIISectionAGrp/OfficerInd0X
IRS990/Form990PartVIISectionAGrp/OfficerInd1X
IRS990/Form990PartVIISectionAGrp/OfficerInd2X
IRS990/Form990PartVIISectionAGrp/OfficerInd3X
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt00
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt10
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt20
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt30
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt40
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt50
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt60
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt70
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt80
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt90
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt100
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt110
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt120
IRS990/Form990PartVIISectionAGrp/PersonNm0RONNY HAYES
IRS990/Form990PartVIISectionAGrp/PersonNm1VALERIE NEWSOM
IRS990/Form990PartVIISectionAGrp/PersonNm2EDGAR BAIZA JR
IRS990/Form990PartVIISectionAGrp/PersonNm3CATHY GEORGE
IRS990/Form990PartVIISectionAGrp/PersonNm4NEIL DOBMEIER
IRS990/Form990PartVIISectionAGrp/PersonNm5CHRIS GARRETT
IRS990/Form990PartVIISectionAGrp/PersonNm6DAINA PERKINS
IRS990/Form990PartVIISectionAGrp/PersonNm7CHARLES COON
IRS990/Form990PartVIISectionAGrp/PersonNm8MARY HUNT
IRS990/Form990PartVIISectionAGrp/PersonNm9STEWART MCKEEHAN
IRS990/Form990PartVIISectionAGrp/PersonNm10FRED RAY
IRS990/Form990PartVIISectionAGrp/PersonNm11ROBERT BRESCIA
IRS990/Form990PartVIISectionAGrp/PersonNm12BARBARA NUNEZ
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt0279533
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt18000
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt27400
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt37000
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt46000
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt55800
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt65400
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt75200
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt84350
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt94200
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt103900
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt113600
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt123450
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/ReportableCompFromRltdOrgAmt120
IRS990/Form990PartVIISectionAGrp/TitleTxt0C E O
IRS990/Form990PartVIISectionAGrp/TitleTxt1DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt2CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt3Secretary
IRS990/Form990PartVIISectionAGrp/TitleTxt4Director
IRS990/Form990PartVIISectionAGrp/TitleTxt5VICE CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt6ADVISORY DIRECT
IRS990/Form990PartVIISectionAGrp/TitleTxt7Treasurer
IRS990/Form990PartVIISectionAGrp/TitleTxt8ADVISORY DIRECT
IRS990/Form990PartVIISectionAGrp/TitleTxt9Director
IRS990/Form990PartVIISectionAGrp/TitleTxt10ADVISORY DIRECT
IRS990/Form990PartVIISectionAGrp/TitleTxt11ADVISORY DIRECT
IRS990/Form990PartVIISectionAGrp/TitleTxt12ADVISORY DIRECT
IRS990/Form990ProvidedToGvrnBodyInd0true
IRS990/Form990TFiledInd0true
IRS990/FormationYr01949
IRS990/FormerOfcrEmployeesListedInd0false
IRS990/FSAuditedInd0false
IRS990/FundraisingActivitiesInd0false
IRS990/GamingActivitiesInd0false
IRS990/GoverningBodyVotingMembersCnt012
IRS990/GrantsToDomesticIndividualsGrp/TotalAmt00
IRS990/GrantsToDomesticOrgsGrp/TotalAmt00
IRS990/GrantsToIndividualsInd0false
IRS990/GrantsToOrganizationsInd0false
IRS990/GrantToRelatedPersonInd0false
IRS990/GrossReceiptsAmt011453066
IRS990/GroupReturnForAffiliatesInd0false
IRS990/IncludeFIN48FootnoteInd0false
IRS990/IncmFromInvestBondProceedsGrp/TotalRevenueColumnAmt00
IRS990/IndependentAuditFinclStmtInd0false
IRS990/IndependentVotingMemberCnt012
IRS990/IndivRcvdGreaterThan100KCnt01
IRS990/IndoorTanningServicesInd0false
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InformationTechnologyGrp/TotalAmt00
IRS990/InsuranceGrp/TotalAmt00
IRS990/IntangibleAssetsGrp/EOYAmt00
IRS990/InterestGrp/TotalAmt0869030
IRS990/InventoriesForSaleOrUseGrp/EOYAmt00
IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt01688114
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt01688114
IRS990/InvestmentInJointVentureInd0false
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt00
IRS990/InvestmentsProgramRelatedGrp/EOYAmt00
IRS990/InvestmentsPubTradedSecGrp/EOYAmt00
IRS990/IRPDocumentCnt03102
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt04002241
IRS990/LandBldgEquipBasisNetGrp/BOYAmt05783554
IRS990/LandBldgEquipBasisNetGrp/EOYAmt05564905
IRS990/LandBldgEquipCostOrOtherBssAmt09567146
IRS990/LegalDomicileStateCd0TX
IRS990/LoanOutstandingInd0false
IRS990/LocalChaptersInd0false
IRS990/MaterialDiversionOrMisuseInd0false
IRS990/MembersOrStockholdersInd0true
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd0true
IRS990/MinutesOfGoverningBodyInd0true
IRS990/MissionDesc0COOPERATIVE PROVIDER OF CREDIT UNION SERVICES SUCH AS SAVINGS ACCOUNTS, CHECKING ACCOUNTS AND CONSUMER LOANS.
IRS990/MoreThan5000KToIndividualsInd0false
IRS990/MoreThan5000KToOrgInd0false
IRS990/NetAssetsOrFundBalancesBOYAmt022285574
IRS990/NetAssetsOrFundBalancesEOYAmt024975888
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt00
IRS990/NetIncmFromFundraisingEvtGrp/TotalRevenueColumnAmt00
IRS990/NetIncomeFromGamingGrp/TotalRevenueColumnAmt00
IRS990/NetIncomeOrLossGrp/TotalRevenueColumnAmt00
IRS990/NetRentalIncomeOrLossGrp/TotalRevenueColumnAmt00
IRS990/NetUnrelatedBusTxblIncmAmt035132
IRS990/NondeductibleContributionsInd0false
IRS990/OccupancyGrp/TotalAmt0488682
IRS990/OfficeExpensesGrp/TotalAmt01223591
IRS990/OfficerMailingAddressInd0false
IRS990/OperateHospitalInd0false
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt05314711
IRS990/OtherAssetsTotalGrp/EOYAmt05660541
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0821455
IRS990/OtherExpensesGrp/Desc0CREDIT & DEBIT CARDS
IRS990/OtherExpensesGrp/Desc1LOAN SERVICING
IRS990/OtherExpensesGrp/Desc2DUES
IRS990/OtherExpensesGrp/Desc3MISCELLANEOUS
IRS990/OtherExpensesGrp/TotalAmt0853226
IRS990/OtherExpensesGrp/TotalAmt1340749
IRS990/OtherExpensesGrp/TotalAmt254515
IRS990/OtherExpensesGrp/TotalAmt346893
IRS990/OtherLiabilitiesGrp/BOYAmt0169246600
IRS990/OtherLiabilitiesGrp/EOYAmt0188731106
IRS990/OtherRevenueMiscGrp/BusinessCd0522100
IRS990/OtherRevenueMiscGrp/BusinessCd1522100
IRS990/OtherRevenueMiscGrp/Desc0NON MEMBER FEES
IRS990/OtherRevenueMiscGrp/Desc1OTHER REVENUE
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt0216
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt036932
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt1216
IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt036932
IRS990/OtherRevenueTotalAmt037148
IRS990/OtherSalariesAndWagesGrp/TotalAmt03392729
IRS990/OtherWebsiteInd0X
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt0120976683
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0143246835
IRS990/PartialLiquidationInd0false
IRS990/PaymentsToAffiliatesGrp/TotalAmt00
IRS990/PayrollTaxesGrp/TotalAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt00
IRS990/PledgesAndGrantsReceivableGrp/EOYAmt00
IRS990/PoliticalCampaignActyInd0false
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0218671
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0226030
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/Desc0INTEREST ON LOANS
IRS990/ProgramServiceRevenueGrp/Desc1MEM FEES, CHGS. AND MISC.
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt07542955
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt12184849
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt07542955
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt12184849
IRS990/ProgSrvcAccomActy2Grp/Desc0CERTIFICATES OF DEPOSIT - INTEREST IS PAID ON THESE MONTHLY
IRS990/ProgSrvcAccomActy3Grp/Desc0CONSUMER LOANS - THE CREDIT UNION PROVIDES LOANS FOR AUTOS, MOTORCYCLES, SHARE SECURED AND UNSECURED LOANS.MORTGAGE AND BUSINESS LOANS ARE ALSO MADE.
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYInvestmentIncomeAmt01466539
IRS990/PymtTravelEntrtnmntPubOfclGrp/TotalAmt00
IRS990/PYOtherExpensesAmt04266929
IRS990/PYOtherRevenueAmt058197
IRS990/PYProgramServiceRevenueAmt09721598
IRS990/PYRevenuesLessExpensesAmt02532079
IRS990/PYSalariesCompEmpBnftPaidAmt04447326
IRS990/PYTotalExpensesAmt08714255
IRS990/PYTotalRevenueAmt011246334
IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt00
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt00
IRS990/ReconcilationRevenueExpnssAmt02690314
IRS990/RegularMonitoringEnfrcInd0true
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RoyaltiesGrp/TotalAmt00
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt022285574
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt024975888
IRS990/SavingsAndTempCashInvstGrp/BOYAmt056983407
IRS990/SavingsAndTempCashInvstGrp/EOYAmt056651964
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/BuildingsGrp/BookValueAmt03414055
IRS990ScheduleD/BuildingsGrp/DepreciationAmt01566302
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt04980357
IRS990ScheduleD/LandGrp/BookValueAmt01158178
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt01158178
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt0992672
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt02435939
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt03428611
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0188731106
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc06
IRS990ScheduleD/TotalBookValueLandBuildingsAmt05564905
IRS990ScheduleD/TotalLiabilityAmt0188731106
IRS990ScheduleJ/EquityBasedCompArrngmInd0false
IRS990/ScheduleJRequiredInd0true
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0274486
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt05047
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0RONNY HAYES
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0C E O
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt0279533
IRS990ScheduleJ/SeverancePaymentInd0false
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd0false
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0ALL MEMBERS ARE SHAREHOLDERS
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE MEMBERS ELECT THE BOARD OF DIRECTORS
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2IF THE MEMBERS DO NOT LIKE THE DECISIONS OF THE BOARD, THEY CAN ELECT NEW DIRECTORS
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3THE BOARD WILL REVIEW THE FORM 990 BEFORE IT IS FILED
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4ALL DIRECTORS ARE MADE AWARE OF THE POLICY AND IT IS MONITORED BY THE BOARD
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5THE BOARD REVIEWS ANNUALLY
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6THE GOVERNING DOCUMENTS ARE AVAILABLE ON REQUEST. THE FINANCIAL STATEMENTS ARE AVAILABLE UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990, Part VI, Section A, Line 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990, Part VI, Section A, Line 7a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990, Part VI, Section A, Line 7b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990, Part VI, Section B, Line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Form 990, Part VI, Section B, Line 12c
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Form 990, Part VI, Section B, Line 15b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6Form 990, Part VI, Section C, Line 19
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/SubjectToExcsTaxNetInvstIncInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/SubjToTaxRmnrtnExPrchtPymtInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt0192873869
IRS990/TotalAssetsEOYAmt0215180278
IRS990/TotalAssetsGrp/BOYAmt0192873869
IRS990/TotalAssetsGrp/EOYAmt0215180278
IRS990/TotalCompGreaterThan150KInd0true
IRS990/TotalContributionsAmt00
IRS990/TotalEmployeeCnt085
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt08762752
IRS990/TotalGrossUBIAmt036932
IRS990/TotalLiabilitiesBOYAmt0170588295
IRS990/TotalLiabilitiesEOYAmt0190204390
IRS990/TotalLiabilitiesGrp/BOYAmt0170588295
IRS990/TotalLiabilitiesGrp/EOYAmt0190204390
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt022285574
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt024975888
IRS990/TotalProgramServiceRevenueAmt09727804
IRS990/TotalReportableCompFromOrgAmt0343833
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt011416134
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt011453066
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt036932
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt0192873869
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt0215180278
IRS990/TravelGrp/TotalAmt022793
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0true
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt0PO BOX 4898
IRS990/USAddress/CityNm0ODESSA
IRS990/USAddress/StateAbbreviationCd0TX
IRS990/USAddress/ZIPCd079760
IRS990/VotingMembersGoverningBodyCnt012
IRS990/VotingMembersIndependentCnt012

Document Assets

No mirrored PDF or thumbnail assets are attached yet.