Civic Intelligence

East Texas Professional Credit Union

990 • Fiscal year 2017 • EIN 75-0913075

Jan 01, 2017 to Dec 31, 2017 • Filed on May 09, 2018

Organization Profilewww.etpcu.org

View Organization Page

409 E Loop 281Longview, TX 75605

(903) 323-0230

Siviq Scores

Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.

Liabilities / Assets

7th percentile

0.81x

Higher debt load relative to assets than 7% of similar nonprofits.

2017 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2017

Liabilities / Revenue

31st percentile

15.96x

Higher debt load relative to revenue than 31% of similar nonprofits.

2017 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2017

Net Margin

93rd percentile

27%

Higher net margin than 93% of similar nonprofits.

2017 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2017

Top Officer Pay

41st percentile

$369,066

Higher top officer pay than 41% of similar nonprofits.

Top officer pay equals 1.2% of source-year revenue.

2017 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2017

Asset Growth

42nd percentile

4.5%

Faster asset growth than 42% of similar nonprofits.

2017 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2016 to 2017

Revenue Growth

44th percentile

7.6%

Faster revenue growth than 44% of similar nonprofits.

2017 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2016 to 2017

Balance Sheet
Liabilities / Assets7th percentile

Assets

Up

$589,462,931

Up $25,365,087 (+4.5%) from 2016

Net Assets

Up

$113,965,442

Up $7,679,605 (+7.2%) from 2016

Liabilities

Up

$475,497,489

Up $17,685,482 (+3.9%) from 2016

Revenue And Expenses
Liabilities / Revenue31st percentileNet Margin93rd percentile

Revenue

Up

$29,800,187

Up $2,115,494 (+7.6%) from 2016

Expenses

Up

$21,845,327

Up $921,171 (+4.4%) from 2016

Net Income

Up

$7,954,860

Up $1,194,323 (+18%) from 2016

Historical Trend

Balance Sheet Trend

Asset Growth42nd percentile

The highlighted filing sits inside the broader history for assets, liabilities, and net assets.

$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

2017

Assets$589,462,931
Liabilities$475,497,489
Net Assets$113,965,442
Open 2017 Filing

Operations Trend

Revenue Growth44th percentile

Revenue, expenses, and net income across loaded years, with this 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

2017

Revenue$29,800,187
Expenses$21,845,327
Net Income$7,954,860
Open 2017 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2017 to Dec 31, 2017
Signed
May 9, 2018
Return Version
2017v2.0
Gross Receipts
$29,802,799
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$355,960,574$390,661,220▲ $34,700,646
Rtn Earn Endowment Incm Other Fnds$106,285,837$113,965,442▲ $7,679,605
Savings and Temporary Cash Investments$104,711,002$107,147,976▲ $2,436,974
Investments in Publicly Traded Securities$60,367,625$49,215,617▼ $11,152,008
Land, Buildings, and Equipment, Net$12,295,425$11,470,438▼ $824,987
Cash and Non-Interest-Bearing Accounts$12,498,011$10,506,067▼ $1,991,944
Investments Other Securities$6,379,737$7,099,697▲ $719,960
Accounts Receivable$4,217,431$4,428,272▲ $210,841
Prepaid Expenses and Deferred Charges$1,464,360$1,598,630▲ $134,270
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
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$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$564,097,844$589,462,931▲ $25,365,087
Other Assets Total$6,203,679$7,335,014▲ $1,131,335
Liabilities
Other Liabilities$450,200,403$466,528,254▲ $16,327,851
Accounts Payable and Accrued Expenses$7,611,604$8,969,235▲ $1,357,631
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
Escrow Account Liability$0$0→ $0
Tax Exempt Bond Liabilities$0$0→ $0
Total Liabilities$457,812,007$475,497,489▲ $17,685,482
Net Assets / Fund Balance
Total Net Assets Fund Balance$106,285,837$113,965,442▲ $7,679,605
Total Liabilities and Net Assets / Fund Balance$564,097,844$589,462,931▲ $25,365,087

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$6,530,587$4,457,650$10,988,237
Equipment$1,489,802$7,402,600$8,892,402
Land$3,272,687-$3,272,687
Other Land Buildings$177,362$170,265$347,627
Leasehold Improvements$0$0$0
Compensation and Service Providers
Top Officer Pay41st percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
W Byron NortonPresident,CEOFT$353,655$15,411$369,066
Scot HainesSRVP of OperationsFT$120,281$12,622$132,903
Kevin WassonVP IT ManagerFT$122,574-$122,574
Deborah PearceSRVP Finance ManagerFT$101,930$10,498$112,428
John GriffinSRVP LendingFT$100,357$10,004$110,361
Philip KrausVP Real Estate ManagerFT$94,823$10,044$104,867
Sandra KrellVP Branch OperationsFT$83,728$8,871$92,599
Greg GaniVP Commercial Lending/SecurityFT$75,442$8,815$84,257
Richard MartinVP Indirect Lending ManagerFT$71,205$8,297$79,502
Greg JefferyVP Teller OperationsFT$66,205$7,269$73,474
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$27,381,207
Investment Income
$2,176,607
Other Revenue
$242,373
Change in Net Assets
$7,954,860
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$12,466,394
Salaries, Compensation, and Employee Benefits$9,378,933
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$6,079,546
Fees for Services Other---$2,871,123
Office Expenses---$1,789,297
Other Expenses---$1,723,507
Current Officers, Directors, Trustees, and Key Employees---$1,282,031
Other Employee Benefits---$1,251,376
Occupancy---$1,112,902
Advertising---$685,291
Depreciation Depletion---$565,225
Payroll Taxes---$559,616
Information Technology---$356,319
Pension Plan Contributions---$206,364
Fees for Services Accounting---$201,876
All Other Expenses---$193,741
Insurance---$156,888
Conferences and Meetings---$63,556
Fees for Service Investment Mgmnt Fees---$55,000
Travel---$10,911
Fees for Services Management---$2,944
Fees for Services Legal---$-19,130
Total Functional Expenses$0$0$0$21,845,327
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Fundraising Direct Expenses$0
Fundraising Gross Income$0
Gaming Direct Expenses$0
Gaming Gross Income$0
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$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

LiabilityAmount
Shares and Deposits$466,528,254
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 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 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

“No review is done by the Board of Directors, but they reserve the right to do so at any time. The form is reviewed during our state examinations.”

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

“An annual Oath of Office form is signed by each member of the Board of Directors and Senior Management.”

Form 990, Part VI, Section B, Line 15

“The Credit Union uses the Cornerstone Credit Union League's Salary Survey and CUNA Salary Survey to assist in the compensation process.”

Form 990, Part VI, Section C, Line 19

“The Credit Union makes these available upon request.”

Filing and Contact Details

Filer

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

Signing Officer

Name
Debbie Pearce
Title
SVP-Accounting Mgr
Phone
9033231201
Signed
2018-05-09

Organization Details

Principal Officer
Debbie Pearce
Formed
1953
Legal Domicile
TX
Voting Board Members
9
Independent Board Members
0
Employees
309
Volunteers
9
Supplemental Narrative

Additional Explanations

Form 990, Part IX, Line 11G

“Drug testing expense, Statement expense, Share Draft expense, Gift Card expense, ATM Expense, Debit Card expense, and Debit and Credit Card Fraud expense.”

Form 990, Part XI, Line 9

“Difference in the Available for Sale (AFS) Investment Adjustment from 2016 to 2017”

Raw XML AppendixShowing 400 of 659 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/AccountantCompileOrReviewInd00
IRS990/AccountsPayableAccrExpnssGrp/BOYAmt07611604
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt08969235
IRS990/AccountsReceivableGrp/BOYAmt04217431
IRS990/AccountsReceivableGrp/EOYAmt04428272
IRS990/ActivitiesConductedPrtshpInd00
IRS990/ActivityOrMissionDesc0Financial Institution with a Community Charter to provide financial services to our membership.
IRS990/AdvertisingGrp/TotalAmt0685291
IRS990/AllOtherExpensesGrp/TotalAmt0193741
IRS990/AnnualDisclosureCoveredPrsnInd01
IRS990/AuditCommitteeInd01
IRS990/BackupWthldComplianceInd01
IRS990/BenefitsToMembersGrp/TotalAmt00
IRS990/BooksInCareOfDetail/BusinessName/BusinessNameLine1Txt0East Texas Professional Credit Union
IRS990/BooksInCareOfDetail/PhoneNum09033230230
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt0409 E Loop 281
IRS990/BooksInCareOfDetail/USAddress/CityNm0Longview
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0TX
IRS990/BooksInCareOfDetail/USAddress/ZIPCd075605
IRS990/BusinessRlnWithFamMemInd00
IRS990/BusinessRlnWithOfficerEntInd00
IRS990/BusinessRlnWithOrgMemInd00
IRS990/CapStkTrPrinCurrentFundsGrp/BOYAmt00
IRS990/CapStkTrPrinCurrentFundsGrp/EOYAmt00
IRS990/CashNonInterestBearingGrp/BOYAmt012498011
IRS990/CashNonInterestBearingGrp/EOYAmt010506067
IRS990/ChangeToOrgDocumentsInd00
IRS990/CntrctRcvdGreaterThan100KCnt00
IRS990/CollectionsOfArtInd00
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt01282031
IRS990/CompDisqualPersonsGrp/TotalAmt00
IRS990/CompensationFromOtherSrcsInd00
IRS990/CompensationProcessCEOInd01
IRS990/CompensationProcessOtherInd01
IRS990/ConferencesMeetingsGrp/TotalAmt063556
IRS990/ConflictOfInterestPolicyInd01
IRS990/ConservationEasementsInd00
IRS990/ConsolidatedAuditFinclStmtInd00
IRS990/ContriRptFundraisingEventAmt00
IRS990/CostOfGoodsSoldAmt00
IRS990/CreditCounselingInd00
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt02176607
IRS990/CYOtherExpensesAmt012466394
IRS990/CYOtherRevenueAmt0242373
IRS990/CYProgramServiceRevenueAmt027381207
IRS990/CYRevenuesLessExpensesAmt07954860
IRS990/CYSalariesCompEmpBnftPaidAmt09378933
IRS990/CYTotalExpensesAmt021845327
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt029800187
IRS990/DecisionsSubjectToApprovaInd00
IRS990/DeductibleArtContributionInd00
IRS990/DeductibleNonCashContriInd00
IRS990/DeferredRevenueGrp/BOYAmt00
IRS990/DeferredRevenueGrp/EOYAmt00
IRS990/DelegationOfMgmtDutiesInd00
IRS990/DepreciationDepletionGrp/TotalAmt0565225
IRS990/Desc0ETPCU provides all types of consumer lending products including automobile (direct and indirect), boat, motorcycle, home equity, home improvement and HELOC's. All loans are granted using risk based pricing levels at highly competitive rates.
IRS990/DescribedInSection501c3Ind00
IRS990/DisregardedEntityInd01
IRS990/DocumentRetentionPolicyInd01
IRS990/DonatedServicesAndUseFcltsAmt00
IRS990/DonorAdvisedFundInd00
IRS990/ElectionOfBoardMembersInd01
IRS990/EmployeeCnt0309
IRS990/EmploymentTaxReturnsFiledInd01
IRS990/EscrowAccountLiabilityGrp/BOYAmt00
IRS990/EscrowAccountLiabilityGrp/EOYAmt00
IRS990/ExpenseAmt0743927
IRS990/FamilyOrBusinessRlnInd00
IRS990/FederalGrantAuditRequiredInd00
IRS990/FeesForServicesAccountingGrp/TotalAmt0201876
IRS990/FeesForServicesLegalGrp/TotalAmt0-19130
IRS990/FeesForServicesLobbyingGrp/TotalAmt00
IRS990/FeesForServicesManagementGrp/TotalAmt02944
IRS990/FeesForServicesOtherGrp/TotalAmt02871123
IRS990/FeesForServicesProfFundraising/TotalAmt00
IRS990/FeesForSrvcInvstMgmntFeesGrp/TotalAmt055000
IRS990/ForeignActivitiesInd00
IRS990/ForeignFinancialAccountInd00
IRS990/ForeignGrantsGrp/TotalAmt00
IRS990/ForeignOfficeInd00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt10
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt20
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt30
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt040
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt140
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt240
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt340
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt440
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt540
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt640
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt740
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt840
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt940
IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd0X
IRS990/Form990PartVIISectionAGrp/KeyEmployeeInd0X
IRS990/Form990PartVIISectionAGrp/KeyEmployeeInd1X
IRS990/Form990PartVIISectionAGrp/KeyEmployeeInd2X
IRS990/Form990PartVIISectionAGrp/KeyEmployeeInd3X
IRS990/Form990PartVIISectionAGrp/KeyEmployeeInd4X
IRS990/Form990PartVIISectionAGrp/KeyEmployeeInd5X
IRS990/Form990PartVIISectionAGrp/KeyEmployeeInd6X
IRS990/Form990PartVIISectionAGrp/KeyEmployeeInd7X
IRS990/Form990PartVIISectionAGrp/KeyEmployeeInd8X
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/PersonNm0Greg Jeffery
IRS990/Form990PartVIISectionAGrp/PersonNm1Richard Martin
IRS990/Form990PartVIISectionAGrp/PersonNm2Greg Gani
IRS990/Form990PartVIISectionAGrp/PersonNm3Philip Kraus
IRS990/Form990PartVIISectionAGrp/PersonNm4John Griffin
IRS990/Form990PartVIISectionAGrp/PersonNm5Deborah Pearce
IRS990/Form990PartVIISectionAGrp/PersonNm6Kevin Wasson
IRS990/Form990PartVIISectionAGrp/PersonNm7Scot Haines
IRS990/Form990PartVIISectionAGrp/PersonNm8Sandra Krell
IRS990/Form990PartVIISectionAGrp/PersonNm9W Byron Norton
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt073474
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt179502
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt284257
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt3104867
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt4110361
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt5112428
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt6122574
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt7132903
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt892599
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt9369066
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/TitleTxt0VP Teller Operations
IRS990/Form990PartVIISectionAGrp/TitleTxt1VP Indirect Lending Manager
IRS990/Form990PartVIISectionAGrp/TitleTxt2VP Commercial Lending/Security
IRS990/Form990PartVIISectionAGrp/TitleTxt3VP Real Estate Manager
IRS990/Form990PartVIISectionAGrp/TitleTxt4SRVP Lending
IRS990/Form990PartVIISectionAGrp/TitleTxt5SRVP Finance Manager
IRS990/Form990PartVIISectionAGrp/TitleTxt6VP IT Manager
IRS990/Form990PartVIISectionAGrp/TitleTxt7SRVP of Operations
IRS990/Form990PartVIISectionAGrp/TitleTxt8VP Branch Operations
IRS990/Form990PartVIISectionAGrp/TitleTxt9President,CEO
IRS990/Form990ProvidedToGvrnBodyInd00
IRS990/Form990TFiledInd01
IRS990/FormationYr01953
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedBasisGrp/ConsolidatedBasisFinclStmtInd0X
IRS990/FSAuditedInd01
IRS990/FundraisingActivitiesInd00
IRS990/FundraisingDirectExpensesAmt00
IRS990/FundraisingGrossIncomeAmt00
IRS990/GainOrLossGrp/OtherAmt0886
IRS990/GainOrLossGrp/SecuritiesAmt00
IRS990/GamingActivitiesInd00
IRS990/GamingDirectExpensesAmt00
IRS990/GamingGrossIncomeAmt00
IRS990/GoverningBodyVotingMembersCnt09
IRS990/GrantAmt00
IRS990/GrantsPayableGrp/BOYAmt00
IRS990/GrantsPayableGrp/EOYAmt00
IRS990/GrantsToDomesticIndividualsGrp/TotalAmt00
IRS990/GrantsToDomesticOrgsGrp/TotalAmt00
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossAmountSalesAssetsGrp/OtherAmt03498
IRS990/GrossAmountSalesAssetsGrp/SecuritiesAmt00
IRS990/GrossReceiptsAmt029802799
IRS990/GrossRentsGrp/PersonalAmt00
IRS990/GrossRentsGrp/RealAmt014400
IRS990/GrossSalesOfInventoryAmt00
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd00
IRS990/IncmFromInvestBondProceedsGrp/ExclusionAmt00
IRS990/IncmFromInvestBondProceedsGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/IncmFromInvestBondProceedsGrp/TotalRevenueColumnAmt00
IRS990/IncmFromInvestBondProceedsGrp/UnrelatedBusinessRevenueAmt00
IRS990/IndependentAuditFinclStmtInd00
IRS990/IndependentVotingMemberCnt00
IRS990/IndivRcvdGreaterThan100KCnt06
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartIXInd0X
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartXIInd0X
IRS990/InformationTechnologyGrp/TotalAmt0356319
IRS990/InsuranceGrp/TotalAmt0156888
IRS990/IntangibleAssetsGrp/BOYAmt00
IRS990/IntangibleAssetsGrp/EOYAmt00
IRS990/InterestGrp/TotalAmt00
IRS990/InventoriesForSaleOrUseGrp/BOYAmt00
IRS990/InventoriesForSaleOrUseGrp/EOYAmt00
IRS990/InvestmentExpenseAmt00
IRS990/InvestmentIncomeGrp/ExclusionAmt00
IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt02175721
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt02175721
IRS990/InvestmentIncomeGrp/UnrelatedBusinessRevenueAmt00
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt06379737
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt07099697
IRS990/InvestmentsProgramRelatedGrp/BOYAmt00
IRS990/InvestmentsProgramRelatedGrp/EOYAmt00
IRS990/InvestmentsPubTradedSecGrp/BOYAmt060367625
IRS990/InvestmentsPubTradedSecGrp/EOYAmt049215617
IRS990/IRPDocumentCnt00
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt012030515
IRS990/LandBldgEquipBasisNetGrp/BOYAmt012295425
IRS990/LandBldgEquipBasisNetGrp/EOYAmt011470438
IRS990/LandBldgEquipCostOrOtherBssAmt023500953
IRS990/LegalDomicileStateCd0TX
IRS990/LessCostOthBasisSalesExpnssGrp/OtherAmt02612
IRS990/LessCostOthBasisSalesExpnssGrp/SecuritiesAmt00
IRS990/LessRentalExpensesGrp/PersonalAmt00
IRS990/LessRentalExpensesGrp/RealAmt00
IRS990/LoanOutstandingInd00
IRS990/LoansFromOfficersDirectorsGrp/BOYAmt00
IRS990/LoansFromOfficersDirectorsGrp/EOYAmt00
IRS990/LocalChaptersInd01
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MiscellaneousRevenueGrp/ExclusionAmt00
IRS990/MiscellaneousRevenueGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/MiscellaneousRevenueGrp/TotalRevenueColumnAmt00
IRS990/MiscellaneousRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/MissionDesc0To be the financial institution of choice for our membership
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/MortgNotesPyblScrdInvstPropGrp/BOYAmt00
IRS990/MortgNotesPyblScrdInvstPropGrp/EOYAmt00
IRS990/NetAssetsOrFundBalancesBOYAmt0106285837
IRS990/NetAssetsOrFundBalancesEOYAmt0113965442
IRS990/NetGainOrLossInvestmentsGrp/ExclusionAmt00
IRS990/NetGainOrLossInvestmentsGrp/RelatedOrExemptFuncIncomeAmt0886
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt0886
IRS990/NetGainOrLossInvestmentsGrp/UnrelatedBusinessRevenueAmt00
IRS990/NetIncmFromFundraisingEvtGrp/ExclusionAmt00
IRS990/NetIncmFromFundraisingEvtGrp/TotalRevenueColumnAmt00
IRS990/NetIncmFromFundraisingEvtGrp/UnrelatedBusinessRevenueAmt00
IRS990/NetIncomeFromGamingGrp/ExclusionAmt00
IRS990/NetIncomeFromGamingGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/NetIncomeFromGamingGrp/TotalRevenueColumnAmt00
IRS990/NetIncomeFromGamingGrp/UnrelatedBusinessRevenueAmt00
IRS990/NetIncomeOrLossGrp/ExclusionAmt00
IRS990/NetIncomeOrLossGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/NetIncomeOrLossGrp/TotalRevenueColumnAmt00
IRS990/NetIncomeOrLossGrp/UnrelatedBusinessRevenueAmt00
IRS990/NetRentalIncomeOrLossGrp/ExclusionAmt00
IRS990/NetRentalIncomeOrLossGrp/RelatedOrExemptFuncIncomeAmt014400
IRS990/NetRentalIncomeOrLossGrp/TotalRevenueColumnAmt014400
IRS990/NetRentalIncomeOrLossGrp/UnrelatedBusinessRevenueAmt00
IRS990/NetUnrlzdGainsLossesInvstAmt0-275255
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt01112902
IRS990/OfficeExpensesGrp/TotalAmt01789297
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt06203679
IRS990/OtherAssetsTotalGrp/EOYAmt07335014
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/TotalAmt01251376
IRS990/OtherExpensesGrp/Desc0Loan Servicing
IRS990/OtherExpensesGrp/Desc1Shares and Deposit Dividends
IRS990/OtherExpensesGrp/Desc2Allowance for Losses
IRS990/OtherExpensesGrp/TotalAmt0743927
IRS990/OtherExpensesGrp/TotalAmt11953017
IRS990/OtherExpensesGrp/TotalAmt21723507
IRS990/OtherLiabilitiesGrp/BOYAmt0450200403
IRS990/OtherLiabilitiesGrp/EOYAmt0466528254
IRS990/OtherRevenueMiscGrp/BusinessCd0522130
IRS990/OtherRevenueMiscGrp/Desc0Neighborhood Financial CUSO
IRS990/OtherRevenueMiscGrp/ExclusionAmt00
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt0227973
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt0227973
IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt00
IRS990/OtherRevenueTotalAmt0227973
IRS990/OtherSalariesAndWagesGrp/TotalAmt06079546
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt0355960574
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0390661220
IRS990/PartialLiquidationInd00
IRS990/PaymentsToAffiliatesGrp/TotalAmt00
IRS990/PayrollTaxesGrp/TotalAmt0559616
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt0206364
IRS990/PledgesAndGrantsReceivableGrp/BOYAmt00
IRS990/PledgesAndGrantsReceivableGrp/EOYAmt00
IRS990/PoliciesReferenceChaptersInd01
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt01464360
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt01598630
IRS990/PrincipalOfficerNm0Debbie Pearce
IRS990/PriorPeriodAdjustmentsAmt00
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522130
IRS990/ProgramServiceRevenueGrp/BusinessCd1522130
IRS990/ProgramServiceRevenueGrp/Desc0Interest on Loans
IRS990/ProgramServiceRevenueGrp/Desc1Member Charges and Fees
IRS990/ProgramServiceRevenueGrp/ExclusionAmt00
IRS990/ProgramServiceRevenueGrp/ExclusionAmt10
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt018222923
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt18626211
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt018222923
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt19158284
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt1532073
IRS990/ProgSrvcAccomActy2Grp/Desc0ETPCU requires 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.
IRS990/ProgSrvcAccomActy2Grp/ExpenseAmt01586959
IRS990/ProgSrvcAccomActy2Grp/GrantAmt00
IRS990/ProgSrvcAccomActy2Grp/RevenueAmt00
IRS990/ProgSrvcAccomActy3Grp/Desc0ETPCU has numerous checking account options 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.
IRS990/ProgSrvcAccomActy3Grp/ExpenseAmt0366058
IRS990/ProgSrvcAccomActy3Grp/GrantAmt00
IRS990/ProgSrvcAccomActy3Grp/RevenueAmt01493645
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt02332368
IRS990/PymtTravelEntrtnmntPubOfclGrp/TotalAmt00
IRS990/PYOtherExpensesAmt012029849
IRS990/PYOtherRevenueAmt0223872
IRS990/PYProgramServiceRevenueAmt025128453
IRS990/PYRevenuesLessExpensesAmt06760537
IRS990/PYSalariesCompEmpBnftPaidAmt08894307
IRS990/PYTotalExpensesAmt020924156
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt027684693
IRS990/RcvblFromDisqualifiedPrsnGrp/BOYAmt00
IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt00
IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt00
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt00
IRS990/ReconcilationRevenueExpnssAmt07954860
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd01
IRS990/RentalIncomeOrLossGrp/PersonalAmt00
IRS990/RentalIncomeOrLossGrp/RealAmt014400
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RevenueAmt018222923
IRS990/RoyaltiesGrp/TotalAmt00
IRS990/RoyaltiesRevenueGrp/ExclusionAmt00
IRS990/RoyaltiesRevenueGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
IRS990/RoyaltiesRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt0106285837
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt0113965442
IRS990/SavingsAndTempCashInvstGrp/BOYAmt0104711002
IRS990/SavingsAndTempCashInvstGrp/EOYAmt0107147976
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt06530587
IRS990ScheduleD/BuildingsGrp/DepreciationAmt04457650
IRS990ScheduleD/BuildingsGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt010988237
IRS990ScheduleD/EquipmentGrp/BookValueAmt01489802
IRS990ScheduleD/EquipmentGrp/DepreciationAmt07402600
IRS990ScheduleD/EquipmentGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt08892402
IRS990ScheduleD/FederalIncomeTaxLiabilityAmt00
IRS990ScheduleD/LandGrp/BookValueAmt03272687
IRS990ScheduleD/LandGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt03272687
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt0177362
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt0170265
IRS990ScheduleD/OtherLandBuildingsGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt0347627
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0466528254
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0Shares and Deposits
IRS990ScheduleD/TotalBookValueLandBuildingsAmt011470438
IRS990ScheduleD/TotalLiabilityAmt0466528254

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2017 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$589,462,931
Liabilities
$475,497,489
Net assets
$113,965,442
Revenue
$29,800,187
Expenses
$21,845,327
Net income
$7,954,860
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