Liabilities / Assets
17th percentile
Higher debt load relative to assets than 17% of similar nonprofits.
Access Community Credit Union
990 • Fiscal year 2013 • EIN 75-0870689
Siviq Scores
Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.
0.84x
Liabilities / Revenue
51st percentile
Higher debt load relative to revenue than 51% of similar nonprofits.
Net Margin
75th percentile
Higher net margin than 75% of similar nonprofits.
Top Officer Pay
29th percentile
Higher top officer pay than 29% of similar nonprofits.
Top officer pay equals 2.6% of source-year revenue.
Asset Growth
82nd percentile
Faster asset growth than 82% of similar nonprofits.
Revenue Growth
Score unavailable
No earlier valid filing was available within the previous three public years.
Balance Sheet
Assets
Up$96,323,102
Up $5,757,856 (+6.4%) from 2012
Net Assets
Up$15,040,134
Up $632,652 (+4.4%) from 2012
Liabilities
Up$81,282,968
Up $5,125,204 (+6.7%) from 2012
Revenue And Expenses
Revenue
$4,361,569
No earlier filing loaded for comparison.
Expenses
Up$3,715,253
Up $439,780 (+13%) from 2012
Net Income
$646,316
No earlier filing loaded for comparison.
Historical Trend
Jump To
Filing Snapshot
- Filing Period
- Jan 1, 2013 to Dec 31, 2013
- Signed
- Apr 17, 2014
- Return Version
- 2013v3.0
- Gross Receipts
- $4,361,569
Mission and Program Overview
Mission
Access Credit Union is committed to providing the best possible financial services, within the realm of sound business practices, in a courteous, professional manner.
Cooperative provider of credit union financial services, including savings and borrowings.
Balance Sheet Detail
| Line | Beginning | End | Change |
|---|---|---|---|
| Assets | |||
| Other Notes and Loans Receivable, Net | $60,901,021 | $67,170,477 | ▲ $6,269,456 |
| Investments Other Securities | $21,810,449 | $18,727,294 | ▼ $3,083,155 |
| Cap Stk Tr Prin Current Funds | $13,967,200 | $14,613,513 | ▲ $646,313 |
| Savings and Temporary Cash Investments | $2,940,814 | $4,363,550 | ▲ $1,422,736 |
| Land, Buildings, and Equipment, Net | $3,117,810 | $3,880,999 | ▲ $763,189 |
| Cash and Non-Interest-Bearing Accounts | $742,732 | $942,091 | ▲ $199,359 |
| Rtn Earn Endowment Incm Other Fnds | $440,282 | $426,621 | ▼ $13,661 |
| Prepaid Expenses and Deferred Charges | $150,081 | $138,466 | ▼ $11,615 |
| Accounts Receivable | $0 | $0 | → $0 |
| Pledges and Grants Receivable | $0 | $0 | → $0 |
| Receivable From Disqualified Prsn | $0 | $0 | → $0 |
| Receivables From Officers Etc | $0 | $0 | → $0 |
| Investments Program Related | $0 | $0 | → $0 |
| Investments in Publicly Traded Securities | $0 | $0 | → $0 |
| Pd in Cap Srpls Land Bldg Eqp Fund | $0 | $0 | → $0 |
| Intangible Assets | $0 | $0 | → $0 |
| Inventories for Sale or Use | $0 | $0 | → $0 |
| Loans From Officers Directors | $0 | $0 | → $0 |
| Total Assets | $90,565,246 | $96,323,102 | ▲ $5,757,856 |
| Other Assets Total | $902,339 | $1,100,225 | ▲ $197,886 |
| Liabilities | |||
| Other Liabilities | $75,241,210 | $80,704,733 | ▲ $5,463,523 |
| Accounts Payable and Accrued Expenses | $870,046 | $536,224 | ▼ $333,822 |
| Escrow Account Liability | $46,508 | $42,011 | ▼ $4,497 |
| Grants Payable | $0 | $0 | → $0 |
| Mortgage Notes Payable Secured by Investment Property | $0 | $0 | → $0 |
| Unsecured Notes Loans Payable | $0 | $0 | → $0 |
| Deferred Revenue | $0 | $0 | → $0 |
| Tax Exempt Bond Liabilities | $0 | $0 | → $0 |
| Total Liabilities | $76,157,764 | $81,282,968 | ▲ $5,125,204 |
| Net Assets / Fund Balance | |||
| Total Net Assets Fund Balance | $14,407,482 | $15,040,134 | ▲ $632,652 |
| Total Liabilities and Net Assets / Fund Balance | $90,565,246 | $96,323,102 | ▲ $5,757,856 |
Asset Categories
| Asset | Book Value | Depreciation | Basis |
|---|---|---|---|
| Buildings | $2,083,713 | $543,003 | $2,626,716 |
| Equipment | $352,271 | $1,049,100 | $1,401,371 |
| Land | $1,343,193 | - | $1,343,193 |
| Other Land Buildings | $101,822 | $335,356 | $437,178 |
| Leasehold Improvements | $0 | $0 | $0 |
| Other Securities | $36,300 | - | - |
| Closely Held Equity Interests | $0 | - | - |
| Financial Derivatives | $0 | - | - |
Compensation and Service Providers
Employees
| Name | Title | Full / Part Time | Base | Other | Total |
|---|---|---|---|---|---|
| Keith Watson | President/CEO | FT | $100,765 | $10,689 | $111,454 |
Board Members and Trustees
| Name | Title |
|---|---|
| Duane Ripperger | Chairman |
| Scott Davis | Vice-Chairman |
| Chad Brown | Advisory Director |
| Dale Harper | Director |
| Louise Ross | Director |
| Todd Clark | Director |
| Freda Powell | Secretary |
| Scott Rosenbach | Treasurer |
Revenue and Support
Revenue Composition
- Contributions and Grants
- $0
- Program Service Revenue
- $4,226,348
- Investment Income
- $135,221
- Other Revenue
- $0
- Change in Net Assets
- $646,316
Audited Revenue Reconciliation
- Revenue per Audited Statements
- $4,361,569
- Revenue Not Reported on Financial Statements
- $0
- Revenue Not Reported on Form 990
- $0
- Other Revenue Adjustments
- $0
- Total Revenue per Audited Statements
- $4,361,569
- Total Revenue per Form 990
- $4,361,569
Expenses and Functional Allocation
Major Expense Lines
| Line Item | Amount |
|---|---|
| Other Expenses | $2,286,774 |
| Salaries, Compensation, and Employee Benefits | $1,428,479 |
| Grants and Similar Amounts Paid | $0 |
| Professional Fundraising Fees | $0 |
| Total Fundraising Expense | $0 |
Functional Expense Allocation
| Line Item | Program | Management | Fundraising | Total |
|---|---|---|---|---|
| Other Salaries and Wages | - | - | - | $1,067,299 |
| Information Technology | - | - | - | $528,545 |
| Interest | - | - | - | $408,194 |
| Advertising | - | - | - | $280,102 |
| Office Expenses | - | - | - | $243,482 |
| All Other Expenses | - | - | - | $186,942 |
| Depreciation Depletion | - | - | - | $174,363 |
| Occupancy | - | - | - | $166,217 |
| Other Employee Benefits | - | - | - | $140,381 |
| Current Officers, Directors, Trustees, and Key Employees | - | - | - | $111,454 |
| Payroll Taxes | - | - | - | $93,368 |
| Other Expenses | - | - | - | $63,418 |
| Payments to Affiliates | - | - | - | $48,527 |
| Conferences and Meetings | - | - | - | $34,726 |
| Fees for Services Accounting | - | - | - | $18,075 |
| Pension Plan Contributions | - | - | - | $15,977 |
| Insurance | - | - | - | $12,563 |
| Fees for Services Other | - | - | - | $7,150 |
| Fees for Services Legal | - | - | - | $2,928 |
| Travel | - | - | - | $542 |
| Total Functional Expenses | $0 | $0 | $0 | $3,715,253 |
Audited Expense Reconciliation
| Line Item | Amount |
|---|---|
| Expenses per Audited Statements | $3,715,253 |
| Total Expenses per Audited Statements | $3,715,253 |
| Total Expenses per Form 990 | $3,715,253 |
| Expenses Not Reported on Financial Statements | $0 |
| Expenses Not Reported on Form 990 | $0 |
| Other Expense Adjustments | $0 |
Fundraising, Events, and Gaming
- Fundraising activities
- No
- Gaming activities
- No
- Professional fundraiser used
- No
Fundraising and Gaming Totals
| Line Item | Amount |
|---|---|
| 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 Item | Beginning | End | Change |
|---|---|---|---|
| Loans from Officers, Directors, Trustees, and Key Employees | $0 | $0 | → $0 |
| Receivables from Disqualified Persons | $0 | $0 | → $0 |
| Receivables from Officers, Directors, Trustees, and Key Employees | $0 | $0 | → $0 |
Debt and Bond Financing
Other Reported Liabilities
| Liability | Amount |
|---|---|
| Savings and Deposit Accounts | $80,704,733 |
Governance and Compliance
Governance Checklist
- Compiled or reviewed by an accountant
- No
- Annual disclosure for covered persons
- No
- Audit committee
- Yes
- Backup withholding compliance
- Yes
- Business relationship with family members
- No
- Business relationship with organization members
- No
- Material changes to governing documents
- No
- Compensation from other sources disclosed
- No
- CEO compensation reviewed
- Yes
- Other officer compensation reviewed
- No
- 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
“Members are made up of deposit account holders with the rights to elect the governing body of the Credit Union and to receive distributions of income or assets from the organization.”
Form 990, Part VI, Section A, Line 7A
“Members are made up of deposit account holders with the right to elect the governing body of the Credit Union annually.”
Form 990, Part VI, Section A, Line 7B
“Members are made up of deposit account holders with the right to elect the governing body of the Credit Union and must approve a conversion or dissolution of the organization.”
Form 990, Part VI, Section B, Line 11B
“Both the Form 990 and the Form 990T were reviewed by management and the Board of Directors prior to its filing with the IRS. The forms were submitted for review at the April 15, 2014 monthly board meeting, at which time, the directors and management were able to examine the forms and ask any questions.”
Form 990, Part VI, Section B, Line 12C
“All employees are required to adhere to and sign a written Conflict of Interest policy at the time of hire verifying that they have read and understand the policy. Employees with potential conflicts of interest are prohibited from being involved in that associated transaction. The President monitors employee and family member accounts and transactions on a monthly basis in order to determine possible conflicts.”
Form 990, Part VI, Section B, Line 15
“The President/CEO's compensation is determined using a process outlined below. This process is used annually with the last review occurring during the January 21, 2014 Executive Session of the monthly board meeting. The Board of Directors reviews the President/CEO's compensation package using data for comparable positions within the credit union industry taking into account the size of the Credit Union and where it is located geographically. The Board then approves the compensation based on these factors.”
Form 990, Part VI, Section C, Line 19
“The Credit Union makes its audited financial statements available for inspection upon request at the main office located at 6401 S Bell St, Amarillo, TX 79109.”
Filing and Contact Details
Filer
- EIN
- 75-0870689
- Phone
- 8063539999
Signing Officer
- Name
- Keith Watson
- Title
- President/CEO
- Phone
- 8063539999
- Signed
- 2014-04-17
Organization Details
- Principal Officer
- Keith Watson
- Formed
- 1953
- Legal Domicile
- TX
- Voting Board Members
- 7
- Independent Board Members
- 7
- Employees
- 48
- Volunteers
- 7
Supplemental Narrative
Financial Statement Notes
Schedule D, Part IV, Line 2B
“Escrow accounts are maintained on real estate loan accounts for payment of real estate taxes and insurance.”
Schedule D, Part X, Line 2
“The Credit Union adopted the provisions of FASB ASC Topic 740, Accounting for Uncertainty in Income Taxes - An Interpretation of FASB Statement No. 109 (ASC Topic 740), effective January 1, 2009. The Credit Union has evaluated their tax-exempt status and believes there is sufficient positive evidence to support their position.”
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| IRS990/Desc | 0 | Voluntary, cooperative, non-profit savings institution (credit union), incorporated under the provisions of the Texas Credit Union Act, for the purpose of encouraging thrift among their members, providing credit at a fair and reasonable rate of interest and providing an opportunity to improve their economic condition. |
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| IRS990/IndivRcvdGreaterThan100KCnt | 0 | 1 |
| IRS990/IndoorTanningServicesInd | 0 | 0 |
| IRS990/InfoInScheduleOPartVIInd | 0 | X |
| IRS990/InformationTechnologyGrp/TotalAmt | 0 | 528545 |
| IRS990/InsuranceGrp/TotalAmt | 0 | 12563 |
| IRS990/IntangibleAssetsGrp/BOYAmt | 0 | 0 |
| IRS990/IntangibleAssetsGrp/EOYAmt | 0 | 0 |
| IRS990/InterestGrp/TotalAmt | 0 | 408194 |
| IRS990/InventoriesForSaleOrUseGrp/BOYAmt | 0 | 0 |
| IRS990/InventoriesForSaleOrUseGrp/EOYAmt | 0 | 0 |
| IRS990/InvestmentExpenseAmt | 0 | 0 |
| IRS990/InvestmentIncomeGrp/ExclusionAmt | 0 | 0 |
| IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt | 0 | 135221 |
| IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt | 0 | 135221 |
| IRS990/InvestmentIncomeGrp/UnrelatedBusinessRevenueAmt | 0 | 0 |
| IRS990/InvestmentInJointVentureInd | 0 | 0 |
| IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt | 0 | 21810449 |
| IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt | 0 | 18727294 |
| IRS990/InvestmentsProgramRelatedGrp/BOYAmt | 0 | 0 |
| IRS990/InvestmentsProgramRelatedGrp/EOYAmt | 0 | 0 |
| IRS990/InvestmentsPubTradedSecGrp/BOYAmt | 0 | 0 |
| IRS990/InvestmentsPubTradedSecGrp/EOYAmt | 0 | 0 |
| IRS990/IRPDocumentCnt | 0 | 1892 |
| IRS990/IRPDocumentW2GCnt | 0 | 0 |
| IRS990/LandBldgEquipAccumDeprecAmt | 0 | 1927459 |
| IRS990/LandBldgEquipBasisNetGrp/BOYAmt | 0 | 3117810 |
| IRS990/LandBldgEquipBasisNetGrp/EOYAmt | 0 | 3880999 |
| IRS990/LandBldgEquipCostOrOtherBssAmt | 0 | 5808458 |
| IRS990/LegalDomicileStateCd | 0 | TX |
| IRS990/LoanOutstandingInd | 0 | 0 |
| IRS990/LoansFromOfficersDirectorsGrp/BOYAmt | 0 | 0 |
| IRS990/LoansFromOfficersDirectorsGrp/EOYAmt | 0 | 0 |
| IRS990/LocalChaptersInd | 0 | 1 |
| IRS990/MaterialDiversionOrMisuseInd | 0 | 0 |
| IRS990/MembersOrStockholdersInd | 0 | 1 |
| IRS990/MethodOfAccountingAccrualInd | 0 | X |
| IRS990/MinutesOfCommitteesInd | 0 | 1 |
| IRS990/MinutesOfGoverningBodyInd | 0 | 1 |
| IRS990/MissionDesc | 0 | Access Credit Union is committed to providing the best possible financial services, within the realm of sound business practices, in a courteous, professional manner. |
| IRS990/MoreThan5000KToIndividualsInd | 0 | 0 |
| IRS990/MoreThan5000KToOrgInd | 0 | 0 |
| IRS990/MortgNotesPyblScrdInvstPropGrp/BOYAmt | 0 | 0 |
| IRS990/MortgNotesPyblScrdInvstPropGrp/EOYAmt | 0 | 0 |
| IRS990/NetAssetsOrFundBalancesBOYAmt | 0 | 14407482 |
| IRS990/NetAssetsOrFundBalancesEOYAmt | 0 | 15040134 |
| IRS990/NetUnrelatedBusTxblIncmAmt | 0 | -24741 |
| IRS990/NetUnrlzdGainsLossesInvstAmt | 0 | -13664 |
| IRS990/NondeductibleContributionsInd | 0 | 0 |
| IRS990/OccupancyGrp/TotalAmt | 0 | 166217 |
| IRS990/OfficeExpensesGrp/TotalAmt | 0 | 243482 |
| IRS990/OfficerMailingAddressInd | 0 | 0 |
| IRS990/OperateHospitalInd | 0 | 0 |
| IRS990/Organization501cInd | 0 | X |
| IRS990/OrgDoesNotFollowSFAS117Ind | 0 | X |
| IRS990/OtherAssetsTotalGrp/BOYAmt | 0 | 902339 |
| IRS990/OtherAssetsTotalGrp/EOYAmt | 0 | 1100225 |
| IRS990/OtherChangesInNetAssetsAmt | 0 | 0 |
| IRS990/OtherEmployeeBenefitsGrp/TotalAmt | 0 | 140381 |
| IRS990/OtherExpensesGrp/Desc | 0 | Allowance for Loan Loss Expense |
| IRS990/OtherExpensesGrp/Desc | 1 | NCUSIF Stabilization Expense |
| IRS990/OtherExpensesGrp/TotalAmt | 0 | 111000 |
| IRS990/OtherExpensesGrp/TotalAmt | 1 | 63418 |
| IRS990/OtherLiabilitiesGrp/BOYAmt | 0 | 75241210 |
| IRS990/OtherLiabilitiesGrp/EOYAmt | 0 | 80704733 |
| IRS990/OtherRevenueTotalAmt | 0 | 0 |
| IRS990/OtherSalariesAndWagesGrp/TotalAmt | 0 | 1067299 |
| IRS990/OthNotesLoansReceivableNetGrp/BOYAmt | 0 | 60901021 |
| IRS990/OthNotesLoansReceivableNetGrp/EOYAmt | 0 | 67170477 |
| IRS990/PartialLiquidationInd | 0 | 0 |
| IRS990/PaymentsToAffiliatesGrp/TotalAmt | 0 | 48527 |
| IRS990/PayrollTaxesGrp/TotalAmt | 0 | 93368 |
| IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt | 0 | 0 |
| IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt | 0 | 0 |
| IRS990/PensionPlanContributionsGrp/TotalAmt | 0 | 15977 |
| IRS990/PledgesAndGrantsReceivableGrp/BOYAmt | 0 | 0 |
| IRS990/PledgesAndGrantsReceivableGrp/EOYAmt | 0 | 0 |
| IRS990/PoliciesReferenceChaptersInd | 0 | 1 |
| IRS990/PoliticalCampaignActyInd | 0 | 0 |
| IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt | 0 | 150081 |
| IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt | 0 | 138466 |
| IRS990/PrincipalOfficerNm | 0 | Keith Watson |
| IRS990/PriorPeriodAdjustmentsAmt | 0 | 0 |
| IRS990/ProfessionalFundraisingInd | 0 | 0 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 0 | 522291 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 1 | 522130 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 2 | 524298 |
| IRS990/ProgramServiceRevenueGrp/Desc | 0 | Interest Income on Loans |
| IRS990/ProgramServiceRevenueGrp/Desc | 1 | Fee Income on Products/Services |
| IRS990/ProgramServiceRevenueGrp/Desc | 2 | Insurance Products on Loans |
| IRS990/ProgramServiceRevenueGrp/ExclusionAmt | 0 | 0 |
| IRS990/ProgramServiceRevenueGrp/ExclusionAmt | 1 | 0 |
| IRS990/ProgramServiceRevenueGrp/ExclusionAmt | 2 | 0 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 3325924 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 1 | 744157 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 2 | 0 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 0 | 3325924 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 1 | 744157 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 2 | 156267 |
| IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt | 0 | 0 |
| IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt | 1 | 0 |
| IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt | 2 | 156267 |
| IRS990/ProhibitedTaxShelterTransInd | 0 | 0 |
| IRS990/PYBenefitsPaidToMembersAmt | 0 | 0 |
| IRS990/PYContributionsGrantsAmt | 0 | 0 |
| IRS990/PYGrantsAndSimilarPaidAmt | 0 | 0 |
| IRS990/PYInvestmentIncomeAmt | 0 | 158919 |
| IRS990/PymtTravelEntrtnmntPubOfclGrp/TotalAmt | 0 | 0 |
| IRS990/PYOtherExpensesAmt | 0 | 1964722 |
| IRS990/PYOtherRevenueAmt | 0 | 0 |
| IRS990/PYProgramServiceRevenueAmt | 0 | 4084565 |
| IRS990/PYRevenuesLessExpensesAmt | 0 | 968011 |
| IRS990/PYSalariesCompEmpBnftPaidAmt | 0 | 1310751 |
| IRS990/PYTotalExpensesAmt | 0 | 3275473 |
| IRS990/PYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/PYTotalRevenueAmt | 0 | 4243484 |
| IRS990/RcvblFromDisqualifiedPrsnGrp/BOYAmt | 0 | 0 |
| IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt | 0 | 0 |
| IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt | 0 | 0 |
| IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt | 0 | 0 |
| IRS990/ReconcilationRevenueExpnssAmt | 0 | 646316 |
| IRS990/RegularMonitoringEnfrcInd | 0 | 1 |
| IRS990/RelatedEntityInd | 0 | 0 |
| IRS990/RelatedOrganizationCtrlEntInd | 0 | 0 |
| IRS990/RentalIncomeOrLossGrp/PersonalAmt | 0 | 0 |
| IRS990/RentalIncomeOrLossGrp/RealAmt | 0 | 0 |
| IRS990/ReportInvestmentsOtherSecInd | 0 | 1 |
| IRS990/ReportLandBuildingEquipmentInd | 0 | 1 |
| IRS990/ReportOtherAssetsInd | 0 | 0 |
| IRS990/ReportOtherLiabilitiesInd | 0 | 1 |
| IRS990/ReportProgramRelatedInvstInd | 0 | 0 |
| IRS990/RevenueAmt | 0 | 4361569 |
| IRS990/RoyaltiesGrp/TotalAmt | 0 | 0 |
| IRS990/RoyaltiesRevenueGrp/ExclusionAmt | 0 | 0 |
| IRS990/RoyaltiesRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 0 |
| IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt | 0 | 0 |
| IRS990/RoyaltiesRevenueGrp/UnrelatedBusinessRevenueAmt | 0 | 0 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt | 0 | 440282 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt | 0 | 426621 |
| IRS990/SavingsAndTempCashInvstGrp/BOYAmt | 0 | 2940814 |
| IRS990/SavingsAndTempCashInvstGrp/EOYAmt | 0 | 4363550 |
| IRS990/ScheduleBRequiredInd | 0 | 0 |
| IRS990ScheduleD/AgentTrusteeEtcInd | 0 | 0 |
| IRS990ScheduleD/BuildingsGrp/BookValueAmt | 0 | 2083713 |
| IRS990ScheduleD/BuildingsGrp/DepreciationAmt | 0 | 543003 |
| IRS990ScheduleD/BuildingsGrp/InvestmentCostOrOtherBasisAmt | 0 | 0 |
| IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt | 0 | 2626716 |
| IRS990ScheduleD/CloselyHeldEquityInterestsGrp/BookValueAmt | 0 | 0 |
| IRS990ScheduleD/DonatedServicesAndUseFcltsAmt | 0 | 0 |
| IRS990ScheduleD/DonatedServicesUseFcltsAmt | 0 | 0 |
| IRS990ScheduleD/EquipmentGrp/BookValueAmt | 0 | 352271 |
| IRS990ScheduleD/EquipmentGrp/DepreciationAmt | 0 | 1049100 |
| IRS990ScheduleD/EquipmentGrp/InvestmentCostOrOtherBasisAmt | 0 | 0 |
| IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt | 0 | 1401371 |
| IRS990ScheduleD/ExpensesNotReportedAmt | 0 | 0 |
| IRS990ScheduleD/ExpensesNotRptFinclStmtAmt | 0 | 0 |
| IRS990ScheduleD/ExpensesSubtotalAmt | 0 | 3715253 |
| IRS990ScheduleD/ExplanationProvidedInd | 0 | X |
| IRS990ScheduleD/FederalIncomeTaxLiabilityAmt | 0 | 0 |
| IRS990ScheduleD/FinancialDerivativesGrp/BookValueAmt | 0 | 0 |
| IRS990ScheduleD/FootnoteTextInd | 0 | X |
| IRS990ScheduleD/InclEscrowCustodialAcctLiabInd | 0 | 1 |
| IRS990ScheduleD/InvestmentExpensesNotIncld2Amt | 0 | 0 |
| IRS990ScheduleD/InvestmentExpensesNotIncldAmt | 0 | 0 |
| IRS990ScheduleD/LandGrp/BookValueAmt | 0 | 1343193 |
| IRS990ScheduleD/LandGrp/InvestmentCostOrOtherBasisAmt | 0 | 0 |
| IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt | 0 | 1343193 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt | 0 | 0 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt | 0 | 0 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/InvestmentCostOrOtherBasisAmt | 0 | 0 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt | 0 | 0 |
| IRS990ScheduleD/LossesReportedAmt | 0 | 0 |
| IRS990ScheduleD/NetUnrealizedGainsInvstAmt | 0 | 0 |
| IRS990ScheduleD/OtherExpensesIncludedAmt | 0 | 0 |
| IRS990ScheduleD/OtherExpensesNotIncludedAmt | 0 | 0 |
| IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt | 0 | 101822 |
| IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt | 0 | 335356 |
| IRS990ScheduleD/OtherLandBuildingsGrp/InvestmentCostOrOtherBasisAmt | 0 | 0 |
| IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt | 0 | 437178 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 0 | 80704733 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 0 | Savings and Deposit Accounts |
| IRS990ScheduleD/OtherRevenueAmt | 0 | 0 |
| IRS990ScheduleD/OtherRevenuesNotIncludedAmt | 0 | 0 |
| IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt | 0 | 16606000 |
| IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt | 1 | 2084994 |
| IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt | 2 | 36300 |
| IRS990ScheduleD/OtherSecuritiesGrp/Desc | 0 | Certificates of Deposit |
| IRS990ScheduleD/OtherSecuritiesGrp/Desc | 1 | Mortgage Backed Securities |
| IRS990ScheduleD/OtherSecuritiesGrp/Desc | 2 | FHLB Capital Stock |
| IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd | 0 | F |
| IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd | 1 | F |
| IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd | 2 | C |
| IRS990ScheduleD/PriorYearAdjustmentsAmt | 0 | 0 |
| IRS990ScheduleD/RecoveriesPriorYearGrantsAmt | 0 | 0 |
| IRS990ScheduleD/RevenueNotReportedAmt | 0 | 0 |
| IRS990ScheduleD/RevenueNotReportedFinclStmtAmt | 0 | 0 |
| IRS990ScheduleD/RevenueSubtotalAmt | 0 | 4361569 |
| IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt | 0 | Escrow accounts are maintained on real estate loan accounts for payment of real estate taxes and insurance. |
| IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt | 1 | The Credit Union adopted the provisions of FASB ASC Topic 740, Accounting for Uncertainty in Income Taxes - An Interpretation of FASB Statement No. 109 (ASC Topic 740), effective January 1, 2009. The Credit Union has evaluated their tax-exempt status and believes there is sufficient positive evidence to support their position. |
| IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc | 0 | Schedule D, Part IV, Line 2b |
| IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc | 1 | Schedule D, Part X, Line 2 |
| IRS990ScheduleD/TotalBookValueLandBuildingsAmt | 0 | 3880999 |
| IRS990ScheduleD/TotalBookValueSecuritiesAmt | 0 | 18727294 |
| IRS990ScheduleD/TotalExpensesPerForm990Amt | 0 | 3715253 |
| IRS990ScheduleD/TotalLiabilityAmt | 0 | 80704733 |
| IRS990ScheduleD/TotalRevenuePerForm990Amt | 0 | 4361569 |
| IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt | 0 | 4361569 |
| IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt | 0 | 3715253 |
| IRS990/ScheduleJRequiredInd | 0 | 0 |
| IRS990/ScheduleORequiredInd | 0 | 1 |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 0 | Members are made up of deposit account holders with the rights to elect the governing body of the Credit Union and to receive distributions of income or assets from the organization. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 1 | Members are made up of deposit account holders with the right to elect the governing body of the Credit Union annually. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 2 | Members are made up of deposit account holders with the right to elect the governing body of the Credit Union and must approve a conversion or dissolution of the organization. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 3 | Both the Form 990 and the Form 990T were reviewed by management and the Board of Directors prior to its filing with the IRS. The forms were submitted for review at the April 15, 2014 monthly board meeting, at which time, the directors and management were able to examine the forms and ask any questions. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 4 | All employees are required to adhere to and sign a written Conflict of Interest policy at the time of hire verifying that they have read and understand the policy. Employees with potential conflicts of interest are prohibited from being involved in that associated transaction. The President monitors employee and family member accounts and transactions on a monthly basis in order to determine possible conflicts. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 5 | The President/CEO's compensation is determined using a process outlined below. This process is used annually with the last review occurring during the January 21, 2014 Executive Session of the monthly board meeting. The Board of Directors reviews the President/CEO's compensation package using data for comparable positions within the credit union industry taking into account the size of the Credit Union and where it is located geographically. The Board then approves the compensation based on these factors. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 6 | The Credit Union makes its audited financial statements available for inspection upon request at the main office located at 6401 S Bell St, Amarillo, TX 79109. |
Document Assets
No mirrored PDF or thumbnail assets are attached yet.
Filings
Displayed year
2013 • Form 990Detailed filing. Detailed filing data is available for this year.
- Assets
- $96,323,102
- Liabilities
- $81,282,968
- Net assets
- $15,040,134
- Revenue
- $4,361,569
- Expenses
- $3,715,253
- Net income
- $646,316