Liabilities / Assets
26th percentile
Higher debt load relative to assets than 26% of similar nonprofits.
Access Community Credit Union
990 • Fiscal year 2020 • EIN 75-0870689
Siviq Scores
Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.
0.87x
Liabilities / Revenue
20th percentile
Higher debt load relative to revenue than 20% of similar nonprofits.
Net Margin
54th percentile
Higher net margin than 54% of similar nonprofits.
Top Officer Pay
61st percentile
Higher top officer pay than 61% of similar nonprofits.
Top officer pay equals 2.9% of source-year revenue.
Asset Growth
27th percentile
Faster asset growth than 27% of similar nonprofits.
Revenue Growth
97th percentile
Faster revenue growth than 97% of similar nonprofits.
Balance Sheet
Assets
Up$145,661,163
Up $17,158,740 (+13%) from 2019
Net Assets
Up$18,806,147
Up $865,445 (+4.8%) from 2019
Liabilities
Up$126,855,016
Up $16,293,295 (+15%) from 2019
Revenue And Expenses
Revenue
Up$8,108,187
Up $1,046,410 (+15%) from 2019
Expenses
Up$7,243,697
Up $653,353 (+9.9%) from 2019
Net Income
Up$864,490
Up $393,057 (+83%) from 2019
Historical Trend
Jump To
Filing Snapshot
- Filing Period
- Jan 1, 2020 to Dec 31, 2020
- Signed
- May 11, 2021
- Return Version
- 2020v4.0
- Gross Receipts
- $8,108,187
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 borrowing.
Balance Sheet Detail
| Line | Beginning | End | Change |
|---|---|---|---|
| Assets | |||
| Other Notes and Loans Receivable, Net | $104,432,660 | $118,666,923 | ▲ $14,234,263 |
| Cap Stk Tr Prin Current Funds | $17,558,676 | $18,423,166 | ▲ $864,490 |
| Savings and Temporary Cash Investments | $8,232,872 | $10,518,530 | ▲ $2,285,658 |
| Investments Other Securities | $7,694,189 | $7,148,464 | ▼ $545,725 |
| Land, Buildings, and Equipment, Net | $5,267,696 | $5,567,206 | ▲ $299,510 |
| Cash and Non-Interest-Bearing Accounts | $1,135,815 | $1,129,910 | ▼ $5,905 |
| Rtn Earn Endowment Incm Other Fnds | $382,026 | $382,981 | ▲ $955 |
| Prepaid Expenses and Deferred Charges | $267,352 | $320,728 | ▲ $53,376 |
| Total Assets | $128,502,423 | $145,661,163 | ▲ $17,158,740 |
| Other Assets Total | $1,471,839 | $2,309,402 | ▲ $837,563 |
| Liabilities | |||
| Other Liabilities | $109,648,994 | $117,441,872 | ▲ $7,792,878 |
| Mortgage Notes Payable Secured by Investment Property | - | $7,500,000 | - |
| Accounts Payable and Accrued Expenses | $811,497 | $1,759,713 | ▲ $948,216 |
| Escrow Account Liability | $101,230 | $153,431 | ▲ $52,201 |
| Total Liabilities | $110,561,721 | $126,855,016 | ▲ $16,293,295 |
| Net Assets / Fund Balance | |||
| Total Net Assets Fund Balance | $17,940,702 | $18,806,147 | ▲ $865,445 |
| Total Liabilities and Net Assets / Fund Balance | $128,502,423 | $145,661,163 | ▲ $17,158,740 |
Asset Categories
| Asset | Book Value | Depreciation | Basis |
|---|---|---|---|
| Buildings | $3,346,273 | $1,151,332 | $4,497,605 |
| Equipment | $507,932 | $1,852,892 | $2,360,824 |
| Land | $1,545,569 | - | $1,545,569 |
| Other Land Buildings | $167,432 | $445,338 | $612,770 |
Compensation and Service Providers
Employees
| Name | Title | Full / Part Time | Base | Other | Total |
|---|---|---|---|---|---|
| John Hays | President/ce | FT | $212,220 | $21,833 | $234,053 |
| John Hays | President/CEO | - | $182,220 | $51,833 | $234,053 |
| Brad Dewey | Evp/CFO | FT | $144,886 | $45,677 | $190,563 |
| Crissy Aleman | VP, Mortgage | FT | $145,072 | $13,164 | $158,236 |
| Crissy Aleman | VP, Mortgage Lending | - | $109,227 | $49,009 | $158,236 |
| Keith Hubbard | VP, Service | FT | $105,081 | $8,604 | $113,685 |
| Lindsay Edwards | VP, Consumer | FT | $103,928 | $2,286 | $106,214 |
Board Members and Trustees
| Name | Title |
|---|---|
| Duane Ripperger | Chairman |
| Kris Bosley | Vice-chairma |
| Dale Harper | Advisory Director |
| Jennifer Simms | Advisory Director |
| Louise Ross | Advisory Director |
| Jeff Jackson | Director |
| Scott Rosenbach | Director |
| Todd Clark | Director |
| Juanita Steinman | Secretary |
| Michael Meil | Treasurer |
Revenue and Support
Revenue Composition
- Contributions and Grants
- $0
- Program Service Revenue
- $7,943,556
- Investment Income
- $142,362
- Other Revenue
- $22,269
- Change in Net Assets
- $864,490
Audited Revenue Reconciliation
- Revenue per Audited Statements
- $8,108,187
- Total Revenue per Audited Statements
- $8,108,187
- Total Revenue per Form 990
- $8,108,187
Expenses and Functional Allocation
Major Expense Lines
| Line Item | Amount |
|---|---|
| Other Expenses | $4,164,028 |
| Salaries, Compensation, and Employee Benefits | $3,079,669 |
| 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 | - | - | - | $2,253,791 |
| Information Technology | - | - | - | $1,019,156 |
| Interest | - | - | - | $942,271 |
| All Other Expenses | - | - | - | $434,834 |
| Current Officers, Directors, Trustees, and Key Employees | - | - | - | $405,319 |
| Other Expenses | - | - | - | $381,000 |
| Office Expenses | - | - | - | $351,612 |
| Occupancy | - | - | - | $274,510 |
| Advertising | - | - | - | $264,087 |
| Depreciation Depletion | - | - | - | $219,002 |
| Other Employee Benefits | - | - | - | $218,455 |
| Payroll Taxes | - | - | - | $165,533 |
| Fees for Services Other | - | - | - | $114,927 |
| Payments to Affiliates | - | - | - | $56,936 |
| Conferences and Meetings | - | - | - | $49,061 |
| Pension Plan Contributions | - | - | - | $36,571 |
| Fees for Services Accounting | - | - | - | $33,610 |
| Insurance | - | - | - | $19,519 |
| Fees for Services Legal | - | - | - | $2,770 |
| Travel | - | - | - | $733 |
| Total Functional Expenses | $0 | $0 | $0 | $7,243,697 |
Audited Expense Reconciliation
| Line Item | Amount |
|---|---|
| Expenses per Audited Statements | $7,243,697 |
| Total Expenses per Audited Statements | $7,243,697 |
| Total Expenses per Form 990 | $7,243,697 |
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
Debt and Bond Financing
Other Reported Liabilities
| Liability | Amount |
|---|---|
| Savings and Deposit Accounts | $117,441,872 |
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 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, Page 6, Part VI, Line 6
“Members are made up of deposit account holders with the right to elect the giverning body of the credit union and to receive distributions of income or assets from the organization.”
Form 990, Page 6, Part VI, 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, Page 6, Part VI, 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, Page 6, Part VI, 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 20, 2021 monthly board meeting, at which time, the directors and management were able to examine the forms and ask any questions.”
Form 990, Page 6, Part VI, 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, Page 6, Part VI, Line 15A
“The president/ceo's and executive vice president/cfo's compensation is determined using the process outlined below. A third party compensation and benefit analysis was used taking into account the size, complexity, and geographic location of the credit union. The board of directors then uses this data to approve the president/ceo's compensation while the presiden/ceo uses this data to set the evp/cfo's compensation.”
Form 990, Page 6, Part VI, Line 15B
“The president/ceo's and executive vice president/cfo's compensation is determined using the process outlined below. A third party compensation and benefit analysis was used taking into account the size, complexity, and geographic location of the credit union. The board of directors then uses this data to approve the president/ceo's compensation while the presiden/ceo uses this data to set the evp/cfo's compensation.”
Form 990, Page 6, Part VI, Line 19
“The credit union makes its audited financial statements available for inspection upon request at the main office located at 6401 bell st, amarillo, tx 79109.”
Filing and Contact Details
Filer
- Filer Name
- Access Community C U
- EIN
- 75-0870689
- Phone
- 8063539999
- Address
- 6401 BELL STREET, AMARILLO, TX 79109
Signing Officer
- Name
- John Hays
- Title
- President/CEO
- Phone
- 8063539999
- Signed
- 2021-05-11
Organization Details
- Principal Officer
- John Hays
- Formed
- 1953
- Legal Domicile
- TX
- Voting Board Members
- 7
- Independent Board Members
- 7
- Employees
- 82
- Volunteers
- 10
Preparer
- Firm
- Fielding Tax Service Lp
- Address
- 3612 W AMARILLO BLVD, AMARILLO, TX 79106
- Preparer
- Jim Dewey Ea
- Phone
- 8063550004
Supplemental Narrative
Financial Statement Notes
Schedule D, Page 2, Part IV, Line 2B
“Escrow accounts are maintained on real estate accounts for payment of real estate taxes and insurance.”
Schedule D, Page 3, Part X
“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/Form990PartVIISectionAGrp/TitleTxt | 13 | ADVISORY DIR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 14 | SECRETARY |
| IRS990/Form990ProvidedToGvrnBodyInd | 0 | true |
| IRS990/Form990TFiledInd | 0 | true |
| IRS990/FormationYr | 0 | 1953 |
| IRS990/FormerOfcrEmployeesListedInd | 0 | false |
| IRS990/FSAuditedBasisGrp/SeparateBasisFinclStmtInd | 0 | X |
| IRS990/FSAuditedInd | 0 | true |
| IRS990/FundraisingActivitiesInd | 0 | false |
| IRS990/GamingActivitiesInd | 0 | false |
| IRS990/GoverningBodyVotingMembersCnt | 0 | 7 |
| IRS990/GrantsToIndividualsInd | 0 | false |
| IRS990/GrantsToOrganizationsInd | 0 | false |
| IRS990/GrantToRelatedPersonInd | 0 | false |
| IRS990/GrossReceiptsAmt | 0 | 8108187 |
| IRS990/GroupReturnForAffiliatesInd | 0 | false |
| IRS990/IncludeFIN48FootnoteInd | 0 | true |
| IRS990/IndependentAuditFinclStmtInd | 0 | true |
| IRS990/IndependentVotingMemberCnt | 0 | 7 |
| IRS990/IndivRcvdGreaterThan100KCnt | 0 | 5 |
| IRS990/IndoorTanningServicesInd | 0 | false |
| IRS990/InfoInScheduleOPartVIInd | 0 | X |
| IRS990/InformationTechnologyGrp/TotalAmt | 0 | 1019156 |
| IRS990/InsuranceGrp/TotalAmt | 0 | 19519 |
| IRS990/InterestGrp/TotalAmt | 0 | 942271 |
| IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt | 0 | 142362 |
| IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt | 0 | 142362 |
| IRS990/InvestmentInJointVentureInd | 0 | false |
| IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt | 0 | 7694189 |
| IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt | 0 | 7148464 |
| IRS990/IRPDocumentCnt | 0 | 2189 |
| IRS990/IRPDocumentW2GCnt | 0 | 0 |
| IRS990/LandBldgEquipAccumDeprecAmt | 0 | 3449562 |
| IRS990/LandBldgEquipBasisNetGrp/BOYAmt | 0 | 5267696 |
| IRS990/LandBldgEquipBasisNetGrp/EOYAmt | 0 | 5567206 |
| IRS990/LandBldgEquipCostOrOtherBssAmt | 0 | 9016768 |
| IRS990/LegalDomicileStateCd | 0 | TX |
| IRS990/LoanOutstandingInd | 0 | false |
| IRS990/LocalChaptersInd | 0 | true |
| IRS990/MaterialDiversionOrMisuseInd | 0 | false |
| IRS990/MembersOrStockholdersInd | 0 | true |
| IRS990/MethodOfAccountingAccrualInd | 0 | X |
| IRS990/MinutesOfCommitteesInd | 0 | true |
| IRS990/MinutesOfGoverningBodyInd | 0 | true |
| 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 | false |
| IRS990/MoreThan5000KToOrgInd | 0 | false |
| IRS990/MortgNotesPyblScrdInvstPropGrp/EOYAmt | 0 | 7500000 |
| IRS990/NetAssetsOrFundBalancesBOYAmt | 0 | 17940702 |
| IRS990/NetAssetsOrFundBalancesEOYAmt | 0 | 18806147 |
| IRS990/NetUnrlzdGainsLossesInvstAmt | 0 | 955 |
| IRS990/NondeductibleContributionsInd | 0 | false |
| IRS990/OccupancyGrp/TotalAmt | 0 | 274510 |
| IRS990/OfficeExpensesGrp/TotalAmt | 0 | 351612 |
| IRS990/OfficerMailingAddressInd | 0 | false |
| IRS990/OperateHospitalInd | 0 | false |
| IRS990/Organization501cInd | 0 | X |
| IRS990/OrgDoesNotFollowFASB117Ind | 0 | X |
| IRS990/OtherAssetsTotalGrp/BOYAmt | 0 | 1471839 |
| IRS990/OtherAssetsTotalGrp/EOYAmt | 0 | 2309402 |
| IRS990/OtherEmployeeBenefitsGrp/TotalAmt | 0 | 218455 |
| IRS990/OtherExpensesGrp/Desc | 0 | ALLOWANCE FOR LOAN LOSS |
| IRS990/OtherExpensesGrp/TotalAmt | 0 | 381000 |
| IRS990/OtherLiabilitiesGrp/BOYAmt | 0 | 109648994 |
| IRS990/OtherLiabilitiesGrp/EOYAmt | 0 | 117441872 |
| IRS990/OtherRevenueMiscGrp/BusinessCd | 0 | 522100 |
| IRS990/OtherRevenueMiscGrp/Desc | 0 | LOAN PRODUCTS ANCILLARY INCOM |
| IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt | 0 | 22269 |
| IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt | 0 | 22269 |
| IRS990/OtherRevenueTotalAmt | 0 | 22269 |
| IRS990/OtherSalariesAndWagesGrp/TotalAmt | 0 | 2253791 |
| IRS990/OthNotesLoansReceivableNetGrp/BOYAmt | 0 | 104432660 |
| IRS990/OthNotesLoansReceivableNetGrp/EOYAmt | 0 | 118666923 |
| IRS990/PartialLiquidationInd | 0 | false |
| IRS990/PaymentsToAffiliatesGrp/TotalAmt | 0 | 56936 |
| IRS990/PayrollTaxesGrp/TotalAmt | 0 | 165533 |
| IRS990/PensionPlanContributionsGrp/TotalAmt | 0 | 36571 |
| IRS990/PoliciesReferenceChaptersInd | 0 | true |
| IRS990/PoliticalCampaignActyInd | 0 | false |
| IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt | 0 | 267352 |
| IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt | 0 | 320728 |
| IRS990/PrincipalOfficerNm | 0 | JOHN HAYS |
| IRS990/ProfessionalFundraisingInd | 0 | false |
| 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/SERVIC |
| IRS990/ProgramServiceRevenueGrp/Desc | 2 | WARRANTY PRODUCTS ON LOANS |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 5356622 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 1 | 2466112 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 0 | 5356622 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 1 | 2466112 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 2 | 120822 |
| IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt | 0 | 120822 |
| IRS990/ProhibitedTaxShelterTransInd | 0 | false |
| IRS990/PYInvestmentIncomeAmt | 0 | 404270 |
| IRS990/PYOtherExpensesAmt | 0 | 4154025 |
| IRS990/PYOtherRevenueAmt | 0 | 38983 |
| IRS990/PYProgramServiceRevenueAmt | 0 | 6618524 |
| IRS990/PYRevenuesLessExpensesAmt | 0 | 471433 |
| IRS990/PYSalariesCompEmpBnftPaidAmt | 0 | 2436319 |
| IRS990/PYTotalExpensesAmt | 0 | 6590344 |
| IRS990/PYTotalRevenueAmt | 0 | 7061777 |
| IRS990/ReconcilationRevenueExpnssAmt | 0 | 864490 |
| IRS990/RegularMonitoringEnfrcInd | 0 | true |
| IRS990/RelatedEntityInd | 0 | false |
| IRS990/RelatedOrganizationCtrlEntInd | 0 | false |
| IRS990/ReportInvestmentsOtherSecInd | 0 | false |
| IRS990/ReportLandBuildingEquipmentInd | 0 | true |
| IRS990/ReportOtherAssetsInd | 0 | false |
| IRS990/ReportOtherLiabilitiesInd | 0 | true |
| IRS990/ReportProgramRelatedInvstInd | 0 | false |
| IRS990/RevenueAmt | 0 | 7943556 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt | 0 | 382026 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt | 0 | 382981 |
| IRS990/SavingsAndTempCashInvstGrp/BOYAmt | 0 | 8232872 |
| IRS990/SavingsAndTempCashInvstGrp/EOYAmt | 0 | 10518530 |
| IRS990/ScheduleBRequiredInd | 0 | false |
| IRS990ScheduleD/AgentTrusteeEtcInd | 0 | false |
| IRS990ScheduleD/BuildingsGrp/BookValueAmt | 0 | 3346273 |
| IRS990ScheduleD/BuildingsGrp/DepreciationAmt | 0 | 1151332 |
| IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt | 0 | 4497605 |
| IRS990ScheduleD/EquipmentGrp/BookValueAmt | 0 | 507932 |
| IRS990ScheduleD/EquipmentGrp/DepreciationAmt | 0 | 1852892 |
| IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt | 0 | 2360824 |
| IRS990ScheduleD/ExpensesSubtotalAmt | 0 | 7243697 |
| IRS990ScheduleD/ExplanationProvidedInd | 0 | X |
| IRS990ScheduleD/FootnoteTextInd | 0 | X |
| IRS990ScheduleD/InclEscrowCustodialAcctLiabInd | 0 | true |
| IRS990ScheduleD/LandGrp/BookValueAmt | 0 | 1545569 |
| IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt | 0 | 1545569 |
| IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt | 0 | 167432 |
| IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt | 0 | 445338 |
| IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt | 0 | 612770 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 0 | 117441872 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 0 | SAVINGS AND DEPOSIT ACCOUNTS |
| IRS990ScheduleD/RevenueSubtotalAmt | 0 | 8108187 |
| IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt | 0 | ESCROW ACCOUNTS ARE MAINTAINED ON REAL ESTATE 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, PAGE 2, PART IV, LINE 2B |
| IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc | 1 | SCHEDULE D, PAGE 3, PART X |
| IRS990ScheduleD/TotalBookValueLandBuildingsAmt | 0 | 5567206 |
| IRS990ScheduleD/TotalExpensesPerForm990Amt | 0 | 7243697 |
| IRS990ScheduleD/TotalLiabilityAmt | 0 | 117441872 |
| IRS990ScheduleD/TotalRevenuePerForm990Amt | 0 | 8108187 |
| IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt | 0 | 8108187 |
| IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt | 0 | 7243697 |
| IRS990ScheduleJ/BoardOrCommitteeApprovalInd | 0 | X |
| IRS990ScheduleJ/ClubDuesOrFeesInd | 0 | X |
| IRS990ScheduleJ/CompensationSurveyInd | 0 | X |
| IRS990ScheduleJ/EquityBasedCompArrngmInd | 0 | false |
| IRS990ScheduleJ/IndependentConsultantInd | 0 | X |
| IRS990/ScheduleJRequiredInd | 0 | true |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt | 0 | 182220 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt | 1 | 144886 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt | 2 | 109227 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount | 0 | 30000 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount | 1 | 25000 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount | 2 | 35845 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt | 0 | 21833 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt | 1 | 20677 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt | 2 | 13164 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm | 0 | JOHN HAYS |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm | 1 | BRAD DEWEY |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm | 2 | CRISSY ALEMAN |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt | 0 | PRESIDENT/CEO |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt | 1 | EVP/CFO |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt | 2 | VP, MORTGAGE LENDING |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt | 0 | 234053 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt | 1 | 190563 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt | 2 | 158236 |
| IRS990ScheduleJ/SeverancePaymentInd | 0 | false |
| IRS990ScheduleJ/SubstantiationRequiredInd | 0 | true |
| IRS990ScheduleJ/SupplementalInformationDetail/ExplanationTxt | 0 | EVP/CFO IS LISTED AS AUTHORIZED USER ON CREDIT UNION'S COUNTRY CLUB ACCOUNT. CLUB IS MAINLY USED FOR BUSINESS PURPOSES BUT EVP/CFO IS ABLE TO USE FOR PERSONAL USE AS WELL. |
| IRS990ScheduleJ/SupplementalInformationDetail/ExplanationTxt | 1 | MONTHLY DUES ARE SPLIT BETWEEN THE EMPLOYEE AND THE CREDIT UNION. |
| IRS990ScheduleJ/SupplementalInformationDetail/FormAndLineReferenceDesc | 0 | SCHEDULE J, PAGE 1, PART I, LINE 1A |
| IRS990ScheduleJ/SupplementalInformationDetail/FormAndLineReferenceDesc | 1 | SCHEDULE J, PAGE 1, PART I, LINE 1B |
| IRS990ScheduleJ/SupplementalNonqualRtrPlanInd | 0 | false |
| IRS990ScheduleJ/WrittenPolicyRefTAndEExpnssInd | 0 | false |
| IRS990/ScheduleORequiredInd | 0 | true |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 0 | MEMBERS ARE MADE UP OF DEPOSIT ACCOUNT HOLDERS WITH THE RIGHT TO ELECT THE GIVERNING 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 20, 2021 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 AND EXECUTIVE VICE PRESIDENT/CFO'S COMPENSATION IS DETERMINED USING THE PROCESS OUTLINED BELOW. A THIRD PARTY COMPENSATION AND BENEFIT ANALYSIS WAS USED TAKING INTO ACCOUNT THE SIZE, COMPLEXITY, AND GEOGRAPHIC LOCATION OF THE CREDIT UNION. THE BOARD OF DIRECTORS THEN USES THIS DATA TO APPROVE THE PRESIDENT/CEO'S COMPENSATION WHILE THE PRESIDEN/CEO USES THIS DATA TO SET THE EVP/CFO'S COMPENSATION. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 6 | THE PRESIDENT/CEO'S AND EXECUTIVE VICE PRESIDENT/CFO'S COMPENSATION IS DETERMINED USING THE PROCESS OUTLINED BELOW. A THIRD PARTY COMPENSATION AND BENEFIT ANALYSIS WAS USED TAKING INTO ACCOUNT THE SIZE, COMPLEXITY, AND GEOGRAPHIC LOCATION OF THE CREDIT UNION. THE BOARD OF DIRECTORS THEN USES THIS DATA TO APPROVE THE PRESIDENT/CEO'S COMPENSATION WHILE THE PRESIDEN/CEO USES THIS DATA TO SET THE EVP/CFO'S COMPENSATION. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 7 | THE CREDIT UNION MAKES ITS AUDITED FINANCIAL STATEMENTS AVAILABLE FOR INSPECTION UPON REQUEST AT THE MAIN OFFICE LOCATED AT 6401 BELL ST, AMARILLO, TX 79109. |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 0 | FORM 990, PAGE 6, PART VI, LINE 6 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 1 | FORM 990, PAGE 6, PART VI, LINE 7A |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 2 | FORM 990, PAGE 6, PART VI, LINE 7B |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 3 | FORM 990, PAGE 6, PART VI, LINE 11B |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 4 | FORM 990, PAGE 6, PART VI, LINE 12C |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 5 | FORM 990, PAGE 6, PART VI, LINE 15A |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 6 | FORM 990, PAGE 6, PART VI, LINE 15B |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 7 | FORM 990, PAGE 6, PART VI, LINE 19 |
| IRS990/SchoolOperatingInd | 0 | false |
| IRS990/SignificantChangeInd | 0 | false |
| IRS990/SignificantNewProgramSrvcInd | 0 | false |
| IRS990/SubjectToExcsTaxNetInvstIncInd | 0 | false |
| IRS990/SubjectToProxyTaxInd | 0 | false |
| IRS990/SubjToTaxRmnrtnExPrchtPymtInd | 0 | false |
| IRS990/TaxablePartyNotificationInd | 0 | false |
| IRS990/TaxExemptBondsInd | 0 | false |
| IRS990/TerminateOperationsInd | 0 | false |
| IRS990/TotalAssetsBOYAmt | 0 | 128502423 |
| IRS990/TotalAssetsEOYAmt | 0 | 145661163 |
| IRS990/TotalAssetsGrp/BOYAmt | 0 | 128502423 |
| IRS990/TotalAssetsGrp/EOYAmt | 0 | 145661163 |
| IRS990/TotalCompGreaterThan150KInd | 0 | true |
| IRS990/TotalEmployeeCnt | 0 | 82 |
| IRS990/TotalFunctionalExpensesGrp/FundraisingAmt | 0 | 0 |
| IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt | 0 | 0 |
| IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt | 0 | 0 |
| IRS990/TotalFunctionalExpensesGrp/TotalAmt | 0 | 7243697 |
| IRS990/TotalGrossUBIAmt | 0 | 120822 |
| IRS990/TotalLiabilitiesBOYAmt | 0 | 110561721 |
| IRS990/TotalLiabilitiesEOYAmt | 0 | 126855016 |
| IRS990/TotalLiabilitiesGrp/BOYAmt | 0 | 110561721 |
| IRS990/TotalLiabilitiesGrp/EOYAmt | 0 | 126855016 |
| IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt | 0 | 17940702 |
| IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt | 0 | 18806147 |
| IRS990/TotalOtherCompensationAmt | 0 | 66564 |
| IRS990/TotalProgramServiceExpensesAmt | 0 | 7243697 |
Document Assets
No mirrored PDF or thumbnail assets are attached yet.
Filings
Displayed year
2020 • Form 990Detailed filing. Detailed filing data is available for this year.
- Assets
- $145,661,163
- Liabilities
- $126,855,016
- Net assets
- $18,806,147
- Revenue
- $8,108,187
- Expenses
- $7,243,697
- Net income
- $864,490