Civic Intelligence

East Texas Professional Credit Union

EIN 75-0913075 • 501(c)14 • Longview, TX

View Organization Page

Profile

To be the financial institution of choice for our membership

409 E Loop 281Longview, TX 75605

www.etpcu.org

Siviq Scores

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

Liabilities / Assets

3rd percentile

0.82x

Higher debt load relative to assets than 3% of similar nonprofits.

501(c)14 • $1B+ nonprofits • Source year 2023

Liabilities / Revenue

37th percentile

14.60x

Higher debt load relative to revenue than 37% of similar nonprofits.

501(c)14 • $1B+ nonprofits • Source year 2023

Net Margin

99th percentile

31%

Higher net margin than 99% of similar nonprofits.

501(c)14 • $1B+ nonprofits • Source year 2023

Top Officer Pay

Score unavailable

No value available

No filing with officer rows is available for this organization yet.

Asset Growth

36th percentile

1.4%

Faster asset growth than 36% of similar nonprofits.

501(c)14 • $1B+ nonprofits • Annualized from 2022 to 2023

Revenue Growth

95th percentile

37%

Faster revenue growth than 95% of similar nonprofits.

501(c)14 • $1B+ nonprofits • Annualized from 2022 to 2023

Balance Sheet
Liabilities / Assets3rd percentile

Assets

Up

$1,322,488,787

Up $125,594,371 (+10%) from 2023

Liabilities

Up

$1,086,113,834

Up $105,071,096 (+11%) from 2023

Net Assets

Up

$236,374,953

Up $20,523,275 (+9.5%) from 2023

Operations
Liabilities / Revenue37th percentileNet Margin99th percentile

Revenue

Up

$82,471,516

Up $15,267,068 (+23%) from 2023

Expenses

Up

$60,764,060

Up $14,248,446 (+31%) from 2023

Net Income

Up

$21,707,456

Up $1,018,622 (+4.9%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth36th percentile

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

$1.5B$1.0B$500M$0Assets 2010: $454,993,786Liabilities 2010: $393,009,829Net Assets 2010: $61,983,9572010Assets 2011: $489,923,384Liabilities 2011: $419,816,938Net Assets 2011: $70,106,4462011Assets 2012: $520,984,809Liabilities 2012: $443,270,791Net Assets 2012: $77,714,0182012Assets 2013: $526,573,992Liabilities 2013: $445,412,399Net Assets 2013: $81,161,5932013Assets 2014: $535,688,928Liabilities 2014: $446,322,824Net Assets 2014: $89,366,1042014Assets 2015: $551,500,524Liabilities 2015: $452,613,733Net Assets 2015: $98,886,7912015Assets 2016: $564,097,844Liabilities 2016: $457,812,007Net Assets 2016: $106,285,8372016Assets 2017: $589,462,931Liabilities 2017: $475,497,489Net Assets 2017: $113,965,4422017Assets 2018: $615,308,609Liabilities 2018: $490,007,479Net Assets 2018: $125,301,1302018Assets 2019: $653,838,562Liabilities 2019: $514,646,463Net Assets 2019: $139,192,0992019Assets 2020: $826,175,436Liabilities 2020: $669,160,542Net Assets 2020: $157,014,8942020Assets 2021: $963,213,382Liabilities 2021: $794,238,389Net Assets 2021: $168,974,9932021Assets 2022: $1,179,947,147Liabilities 2022: $983,362,631Net Assets 2022: $196,584,5162022Assets 2023: $1,196,894,416Liabilities 2023: $981,042,738Net Assets 2023: $215,851,6782023Assets 2024: $1,322,488,787Liabilities 2024: $1,086,113,834Net Assets 2024: $236,374,9532024

Highlighted filing

2024

Assets$1,322,488,787
Liabilities$1,086,113,834
Net Assets$236,374,953
Open 2024 Filing

Operations Trend

Revenue Growth95th percentile

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

$100M$50M$0Expenses 2010: $20,587,4562010Expenses 2011: $18,266,4422011Expenses 2012: $17,837,4132012Revenue 2013: $23,975,726Expenses 2013: $18,093,871Net Income 2013: $5,881,8552013Revenue 2014: $25,085,157Expenses 2014: $17,648,435Net Income 2014: $7,436,7222014Revenue 2015: $28,420,264Expenses 2015: $19,500,200Net Income 2015: $8,920,0642015Revenue 2016: $27,684,693Expenses 2016: $20,924,156Net Income 2016: $6,760,5372016Revenue 2017: $29,800,187Expenses 2017: $21,845,327Net Income 2017: $7,954,8602017Revenue 2018: $33,958,773Expenses 2018: $22,585,954Net Income 2018: $11,372,8192018Revenue 2019: $38,339,633Expenses 2019: $25,381,175Net Income 2019: $12,958,4582019Revenue 2020: $38,657,943Expenses 2020: $26,436,365Net Income 2020: $12,221,5782020Revenue 2021: $39,825,100Expenses 2021: $27,290,062Net Income 2021: $12,535,0382021Revenue 2022: $48,939,993Expenses 2022: $37,551,936Net Income 2022: $11,388,0572022Revenue 2023: $67,204,448Expenses 2023: $46,515,614Net Income 2023: $20,688,8342023Revenue 2024: $82,471,516Expenses 2024: $60,764,060Net Income 2024: $21,707,4562024

Highlighted filing

2024

Revenue$82,471,516
Expenses$60,764,060
Net Income$21,707,456
Open 2024 Filing

Filings

Most recent year

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

Open filing
Assets
$1,322,488,787
Liabilities
$1,086,113,834
Net assets
$236,374,953
Revenue
$82,471,516
Expenses
$60,764,060
Net income
$21,707,456
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$1,322$1,086$236$82.5$60.8$21.7
2023Detailed filing. Detailed filing data is available for this year.$1,197$981$216$67.2$46.5$20.7
2022Detailed filing. Detailed filing data is available for this year.$1,180$983$197$48.9$37.6$11.4
2021Detailed filing. Detailed filing data is available for this year.$963$794$169$39.8$27.3$12.5
2020Detailed filing. Detailed filing data is available for this year.$826$669$157$38.7$26.4$12.2
2019Detailed filing. Detailed filing data is available for this year.$654$515$139$38.3$25.4$13.0
2018Detailed filing. Detailed filing data is available for this year.$615$490$125$34.0$22.6$11.4
2017Detailed filing. Detailed filing data is available for this year.$589$475$114$29.8$21.8$7.95
2016Detailed filing. Detailed filing data is available for this year.$564$458$106$27.7$20.9$6.76
2015Detailed filing. Detailed filing data is available for this year.$552$453$98.9$28.4$19.5$8.92
2014Detailed filing. Detailed filing data is available for this year.$536$446$89.4$25.1$17.6$7.44
2013Detailed filing. Detailed filing data is available for this year.$527$445$81.2$24.0$18.1$5.88
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$521$443$77.7$17.8
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$490$420$70.1$18.3
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$455$393$62.0$20.6
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Apr 7, 2025
Return Version
2024v5.0
Gross Receipts
$82,471,659
Mission and Program Overview

Mission

To be the financial institution of choice for our membership

Financial Institution with a Community Charter to provide financial services to our membership.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$778,441,436$888,250,600▲ $109,809,164
Rtn Earn Endowment Incm Other Fnds$215,851,678$236,374,953▲ $20,523,275
Savings and Temporary Cash Investments$120,538,731$165,617,713▲ $45,078,982
Investments in Publicly Traded Securities$161,285,555$126,349,742▼ $34,935,813
Land, Buildings, and Equipment, Net$36,622,186$35,606,478▼ $1,015,708
Cash and Non-Interest-Bearing Accounts$22,013,663$20,677,509▼ $1,336,154
Accounts Receivable$9,240,368$14,242,179▲ $5,001,811
Investments Other Securities$2,183,122$5,172,718▲ $2,989,596
Prepaid Expenses and Deferred Charges$3,296,633$4,184,739▲ $888,106
Intangible Assets$684,677$684,677→ $0
Pledges and Grants Receivable$0--
Receivable From Disqualified Prsn$0--
Receivables From Officers Etc$0--
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Inventories for Sale or Use$0--
Loans From Officers Directors$0--
Total Assets$1,196,894,416$1,322,488,787▲ $125,594,371
Other Assets Total$62,588,045$61,702,432▼ $885,613
Liabilities
Other Liabilities$957,989,403$1,070,635,448▲ $112,646,045
Accounts Payable and Accrued Expenses$23,053,335$14,702,275▼ $8,351,060
Escrow Account Liability$0$776,111▲ $776,111
Grants Payable$0--
Mortgage Notes Payable Secured by Investment Property$0--
Unsecured Notes Loans Payable$0--
Deferred Revenue$0--
Tax Exempt Bond Liabilities$0--
Total Liabilities$981,042,738$1,086,113,834▲ $105,071,096
Net Assets / Fund Balance
Total Net Assets Fund Balance$215,851,678$236,374,953▲ $20,523,275
Total Liabilities and Net Assets / Fund Balance$1,196,894,416$1,322,488,787▲ $125,594,371

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$25,276,484$11,244,553$0
Other Land Buildings$258,089$530,266$0
Land$6,367,410-$0
Equipment$3,334,389$10,246,378$0
Leasehold Improvements$370,106$663,670$0
Compensation and Service Providers
Top Officer PayScore unavailable

Employees

NameTitleFull / Part TimeBaseOtherTotal
W Byron NortonPresidentFT$511,551$502,501$1,014,052
John GriffinSRVP LendingFT$187,914$31,647$219,561
Deborah PearceSRVP AccountingFT$188,902$24,752$213,654
Scot HainesSRVP OperationsFT$164,600$28,995$193,595
Douglas GonzalesVP Information TechnologyFT$145,900$24,160$170,060
Kerri DalmeSRVP Branch OperationsFT$142,980$24,044$167,024
Keitha NilssonSRVP Branch OperationsFT$141,720$24,398$166,118
Meagan StaplesVP HR ManagerFT$106,639$16,871$123,510
Kelly EvansVP Branch OperationsFT$105,154$16,233$121,387
Richard MartinVP Indirect LendingFT$101,010$16,134$117,144
Greg JefferyVP Branch OperationsFT$89,462$14,906$104,368
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$68,505,125
Investment Income
$13,733,397
Other Revenue
$232,994
Change in Net Assets
$21,707,456
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$41,170,918
Salaries, Compensation, and Employee Benefits$19,593,142
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$12,175,397
Fees for Services Other---$6,361,706
Office Expenses---$3,929,758
Other Expenses---$3,822,054
Other Employee Benefits---$3,256,729
Occupancy---$3,040,489
Current Officers, Directors, Trustees, and Key Employees---$2,543,446
Advertising---$1,231,100
Payroll Taxes---$1,100,830
Depreciation Depletion---$1,068,046
Information Technology---$960,145
All Other Expenses---$550,972
Pension Plan Contributions---$516,740
Fees for Services Accounting---$429,307
Insurance---$312,941
Conferences and Meetings---$130,715
Fees for Services Legal---$97,240
Fees for Service Investment Mgmnt Fees---$60,397
Travel---$26,435
Fees for Services Management---$2,536
Total Functional Expenses$0$0$0$60,764,060
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
Loans from Officers, Directors, Trustees, and Key Employees$0--
Receivables from Disqualified Persons$0--
Receivables from Officers, Directors, Trustees, and Key Employees$0--
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Shares$383,496,604
Certificate of Deposit$358,576,256
Share Drafts$164,710,669
Money Market$88,519,840
Ira Certificates$25,290,921
Commercial Checking$20,385,814
Ira Savings$17,725,083
Money Market Checking$7,362,897
Money Market Commercial Checking$2,255,402
Money Market Commercial$1,964,079
Special Savings$277,727
Life Savings Shares$70,156
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
Yes
Backup withholding compliance
Yes
Business relationship with 35% controlled entity
No
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
Yes
Other officer compensation reviewed
Yes
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 6

“A $5.00 deposit to a savings account grants membership to the credit union.”

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

“A director of the board serves a 3 year term and is voted in by the membership at the credit union's annual meeting.”

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

“While the board of directors do not conduct a review, they reserve the right to do so at any time. The form is reviewed during our annual opinion audit by an outside accounting firm and is also reviewed during our annual state/federal examination.”

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

“An oath of office is signed by each member of the board of directors and senior management every two years.”

Form 990, Part VI, Section B, Line 15

“The credit union uses the cuna staff salary report and balance comp for banks and credit unions to assist in the compensation process. The board also obtains the ceo salary survey, usually once every 3 years to aid in the evaluation.”

Form 990, Part VI, Section C, Line 18

“The credit union makes these available upon written request.”

Form 990, Part VI, Section C, Line 19

“The credit union makes these available upon written request.”

Filing and Contact Details

Filer

Filer Name
East Texas Professional Credit Union
EIN
75-0913075
Phone
9033230230
Address
409 E LOOP 281, Longview, TX 75605

Signing Officer

Name
Jenny Smith
Title
SVP Accounting
Phone
9033231201
Signed
2025-04-07

Organization Details

Principal Officer
Jenny Smith
Formed
1953
Legal Domicile
TX
Voting Board Members
11
Independent Board Members
0
Employees
443
Volunteers
11
Supplemental Narrative

Additional Explanations

Form 990, Part IX, Line 11G

“Drug testing expense, statement processing expense, share draft expense, gift card expense, atm expense and debit card expense.”

Financial Statement Notes

Schedule D, Part IV, Line 1B

“Part x line 21 escrow liability - east texas professional credit union offers escrow services for our members with loans. The estimated escrow amount is added to the member's monthly loan payment and the credit union remits the annual escrow payments on the member's behalf.”

Schedule D, Part IV, Line 2B

“Part x line 21 escrow liability - east texas professional credit union offers escrow services for our members with loans. The estimated escrow amount is added to the member's monthly loan payment and the credit union remits the annual escrow payments on the member's behalf.”

Schedule D, Part X, Line 2

“Shares and deposits”

Raw XML AppendixShowing 400 of 704 raw XML fields

This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

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IRS990/Form990PartVIISectionAGrp/TitleTxt0President
IRS990/Form990PartVIISectionAGrp/TitleTxt1SRVP Accounting
IRS990/Form990PartVIISectionAGrp/TitleTxt2SRVP Lending
IRS990/Form990PartVIISectionAGrp/TitleTxt3SRVP Operations
IRS990/Form990PartVIISectionAGrp/TitleTxt4SRVP Branch Operations
IRS990/Form990PartVIISectionAGrp/TitleTxt5VP Information Technology
IRS990/Form990PartVIISectionAGrp/TitleTxt6SRVP Branch Operations
IRS990/Form990PartVIISectionAGrp/TitleTxt7VP Indirect Lending
IRS990/Form990PartVIISectionAGrp/TitleTxt8VP HR Manager
IRS990/Form990PartVIISectionAGrp/TitleTxt9VP Branch Operations
IRS990/Form990PartVIISectionAGrp/TitleTxt10VP Branch Operations
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IRS990/MissionDesc0To be the financial institution of choice for our membership
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IRS990/ProgSrvcAccomActy2Grp/Desc0ETPCU requires a share account with a minimum balance of $5.00 to become a member. Our accounts pay rates that are competitive with other financial institutions in our area. With membership, all members have rights to all of our services which include checking accounts, term share certificates, loans internet banking and theme park tickets at discounted rates.
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IRS990/ProgSrvcAccomActy3Grp/Desc0ETPCU has numerous checking account products including Advantage Checking which allows overdraft courtesy of up to $175. Most of our accounts are interest bearing and have little to no service fees. We also offer Money Market checking for those who can maintain a minimum balance of $1,000 and want to earn a higher rate of interest.
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IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0SHARES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1LIFE SAVINGS SHARES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc2SPECIAL SAVINGS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc3SHARE DRAFTS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc4COMMERCIAL CHECKING
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc5MONEY MARKET
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc6MONEY MARKET COMMERCIAL
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc7MONEY MARKET CHECKING
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc8MONEY MARKET COMMERCIAL CHECKING
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc9IRA SAVINGS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc10IRA CERTIFICATES

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