Civic Intelligence

Service 1St Credit Union

EIN 75-0918529 • 501(c)14 • Greenville, TX

View Organization Page

Profile

To provide a lifelong commitment of quality financial services to the membership of the credit union

P O Box 8155Greenville, TX 75404

n/A

Siviq Scores

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

Liabilities / Assets

4th percentile

0.01x

Higher debt load relative to assets than 4% of similar nonprofits.

501(c)14 • $50M-$100M nonprofits • Source year 2024

Liabilities / Revenue

5th percentile

0.20x

Higher debt load relative to revenue than 5% of similar nonprofits.

501(c)14 • $50M-$100M nonprofits • Source year 2024

Net Margin

96th percentile

34%

Higher net margin than 96% of similar nonprofits.

501(c)14 • $50M-$100M nonprofits • Source year 2024

Top Officer Pay

Score unavailable

No value available

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

Asset Growth

21st percentile

-2.8%

Faster asset growth than 21% of similar nonprofits.

501(c)14 • $50M-$100M nonprofits • Annualized from 2023 to 2024

Revenue Growth

61st percentile

16%

Faster revenue growth than 61% of similar nonprofits.

501(c)14 • $50M-$100M nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets4th percentile

Assets

Down

$72,493,198

Down $2,077,743 (-2.8%) from 2023

Liabilities

Up

$683,012

Up $394,371 (+137%) from 2023

Net Assets

Down

$71,810,186

Down $2,472,114 (-3.3%) from 2023

Operations
Liabilities / Revenue5th percentileNet Margin96th percentile

Revenue

Up

$3,364,448

Up $457,473 (+16%) from 2023

Expenses

Up

$2,222,657

Up $264,903 (+14%) from 2023

Net Income

Up

$1,141,791

Up $192,570 (+20%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth21st percentile

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

$80M$60M$40M$20M$0Assets 2010: $47,825,840Liabilities 2010: $486,107Net Assets 2010: $47,339,7332010Assets 2011: $49,242,870Liabilities 2011: $458,722Net Assets 2011: $48,784,1482011Assets 2012: $51,081,151Liabilities 2012: $523,534Net Assets 2012: $50,557,6172012Assets 2013: $51,992,688Liabilities 2013: $227,662Net Assets 2013: $51,765,0262013Assets 2014: $51,783,071Liabilities 2014: $86,109Net Assets 2014: $51,696,9622014Assets 2015: $53,692,511Liabilities 2015: $87,052Net Assets 2015: $53,605,4592015Assets 2016: $55,027,248Liabilities 2016: $196,996Net Assets 2016: $54,830,2522016Assets 2017: $59,681,206Liabilities 2017: $188,022Net Assets 2017: $59,493,1842017Assets 2018: $62,050,058Liabilities 2018: $194,257Net Assets 2018: $61,855,8012018Assets 2019: $64,358,703Liabilities 2019: $278,920Net Assets 2019: $64,079,7832019Assets 2020: $70,510,622Liabilities 2020: $454,630Net Assets 2020: $70,055,9922020Assets 2021: $78,005,819Liabilities 2021: $321,545Net Assets 2021: $77,684,2742021Assets 2022: $79,746,360Liabilities 2022: $402,529Net Assets 2022: $79,343,8312022Assets 2023: $74,570,941Liabilities 2023: $288,641Net Assets 2023: $74,282,3002023Assets 2024: $72,493,198Liabilities 2024: $683,012Net Assets 2024: $71,810,1862024

Highlighted filing

2024

Assets$72,493,198
Liabilities$683,012
Net Assets$71,810,186
Open 2024 Filing

Operations Trend

Revenue Growth61st percentile

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

$4.0M$3.0M$2.0M$1.0M$0-$1.0MExpenses 2010: $2,729,4552010Expenses 2011: $2,119,3382011Revenue 2012: $1,937,772Expenses 2012: $1,905,187Net Income 2012: $32,5852012Revenue 2013: $1,824,660Expenses 2013: $1,864,586Net Income 2013: -$39,9262013Revenue 2014: $1,738,070Expenses 2014: $1,673,805Net Income 2014: $64,2652014Revenue 2015: $1,598,545Expenses 2015: $1,547,127Net Income 2015: $51,4182015Revenue 2016: $1,716,440Expenses 2016: $1,570,562Net Income 2016: $145,8782016Revenue 2017: $1,912,706Expenses 2017: $1,683,391Net Income 2017: $229,3152017Revenue 2018: $2,281,937Expenses 2018: $1,809,993Net Income 2018: $471,9442018Revenue 2019: $2,472,979Expenses 2019: $2,030,207Net Income 2019: $442,7722019Revenue 2020: $2,354,491Expenses 2020: $2,001,379Net Income 2020: $353,1122020Revenue 2021: $2,074,391Expenses 2021: $1,894,632Net Income 2021: $179,7592021Revenue 2022: $2,688,265Expenses 2022: $1,822,150Net Income 2022: $866,1152022Revenue 2023: $2,906,975Expenses 2023: $1,957,754Net Income 2023: $949,2212023Revenue 2024: $3,364,448Expenses 2024: $2,222,657Net Income 2024: $1,141,7912024

Highlighted filing

2024

Revenue$3,364,448
Expenses$2,222,657
Net Income$1,141,791
Open 2024 Filing

Filings

Most recent year

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

Open filing
Assets
$72,493,198
Liabilities
$683,012
Net assets
$71,810,186
Revenue
$3,364,448
Expenses
$2,222,657
Net income
$1,141,791
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$72.5$0.68$71.8$3.36$2.22$1.14
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$74.6$0.29$74.3$2.91$1.96$0.95
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$79.7$0.40$79.3$2.69$1.82$0.87
2021Facts available. Structured filing facts are available, but richer extracted sections are limited.$78.0$0.32$77.7$2.07$1.89$0.18
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$70.5$0.45$70.1$2.35$2.00$0.35
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$64.4$0.28$64.1$2.47$2.03$0.44
2018Facts available. Structured filing facts are available, but richer extracted sections are limited.$62.1$0.19$61.9$2.28$1.81$0.47
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$59.7$0.19$59.5$1.91$1.68$0.23
2016Facts available. Structured filing facts are available, but richer extracted sections are limited.$55.0$0.20$54.8$1.72$1.57$0.15
2015Detailed filing. Detailed filing data is available for this year.$53.7$0.09$53.6$1.60$1.55$0.05
2014Detailed filing. Detailed filing data is available for this year.$51.8$0.09$51.7$1.74$1.67$0.06
2013Detailed filing. Detailed filing data is available for this year.$52.0$0.23$51.8$1.82$1.86$0.04
2012Summary only. Only limited summary data is available for this year.$51.1$0.52$50.6$1.94$1.91$0.03
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$49.2$0.46$48.8$2.12
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$47.8$0.49$47.3$2.73
Latest Detailed Filing

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

Jump To
Filing Snapshot
Filing Period
Jan 1, 2022 to Dec 31, 2022
Signed
Nov 8, 2023
Return Version
2022v5.0
Gross Receipts
$2,688,265
Mission and Program Overview

Mission

To provide a lifelong commitment of quality financial services to the membership of the credit union

Balance Sheet Detail
LineBeginningEndChange
Assets
Cap Stk Tr Prin Current Funds$70,654,053$71,447,495▲ $793,442
Savings and Temporary Cash Investments$42,360,315$41,649,065▼ $711,250
Other Notes and Loans Receivable, Net$32,817,689$35,481,241▲ $2,663,552
Rtn Earn Endowment Incm Other Fnds$7,030,221$7,896,336▲ $866,115
Cash and Non-Interest-Bearing Accounts$1,742,277$1,498,208▼ $244,069
Land, Buildings, and Equipment, Net$254,603$213,850▼ $40,753
Prepaid Expenses and Deferred Charges$78,000$59,646▼ $18,354
Accounts Receivable$2,706$0▼ $2,706
Pledges and Grants Receivable-$0-
Receivable From Disqualified Prsn-$0-
Receivables From Officers Etc-$0-
Investments Other Securities-$0-
Investments Program Related-$0-
Investments in Publicly Traded Securities-$0-
Intangible Assets-$0-
Inventories for Sale or Use-$0-
Total Assets$78,005,819$79,746,360▲ $1,740,541
Other Assets Total$750,229$844,350▲ $94,121
Liabilities
Accounts Payable and Accrued Expenses$321,545$402,529▲ $80,984
Total Liabilities$321,545$402,529▲ $80,984
Net Assets / Fund Balance
Total Net Assets Fund Balance$77,684,274$79,343,831▲ $1,659,557
Total Liabilities and Net Assets / Fund Balance$78,005,819$79,746,360▲ $1,740,541

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$94,954$1,210,666$1,305,620
Buildings$60,000$622,999$682,999
Leasehold Improvements$58,896$227,509$286,405
Compensation and Service Providers
Top Officer PayScore unavailable

Employees

NameTitleFull / Part TimeBaseTotal
Sherri HoustonPresidentFT$135,241$135,241
Crystal HolmdenManagerFT$60,940$60,940

Board Members and Trustees

NameTitle
Michael AndreolaChairman
Fred Hite JrVice Chairman
C J ClintonDirector
Jeanie KernerDirector
Joel RichardsonDirector
Mike GlendayDirector
Ross McClainDirector
Truett HannerDirector
JoAnn EastSecretary/Treas
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$2,162,567
Investment Income
$525,698
Other Revenue
$0
Change in Net Assets
$866,115
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$1,076,510
Other Expenses$745,640
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$597,048
Other Employee Benefits---$218,210
Current Officers, Directors, Trustees, and Key Employees---$196,181
Information Technology---$188,591
Payroll Taxes---$63,571
Depreciation Depletion---$53,133
Occupancy---$47,601
Insurance---$40,876
Other Expenses---$35,782
Interest---$30,276
All Other Expenses---$29,055
Fees for Services Other---$25,833
Office Expenses---$11,869
Fees for Service Investment Mgmnt Fees---$8,935
Travel---$2,107
Fees for Services Legal---$1,926
Pension Plan Contributions---$1,500
Total Functional Expenses$0$0$0$1,822,150
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Subject to proxy tax
No
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Disqualified Persons-$0-
Receivables from Officers, Directors, Trustees, and Key Employees-$0-
Governance and Compliance

Governance Checklist

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

Governance Explanations

Form 990, Part VI, Section A, Line 6

“Credit union account holders are members of the credit union per the organization bylaws. Service first credit union had approximately 5,350 members as of the year end.”

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

“A copy of the 990 is provided to board members specified by the entire board to review the 990 prior to filing.”

Form 990, Part VI, Section C, Line 19

“Financial statements are made available to the public upon request.”

Filing and Contact Details

Filer

Filer Name
Service 1st Credit Union
EIN
75-0918529
Phone
9034574686
Address
P O BOX 8155, GREENVILLE, TX 75404

Signing Officer

Name
Sherri Houston
Title
President
Signed
2023-11-08
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Sherri Houston
Formed
1954
Legal Domicile
TX
Voting Board Members
9
Independent Board Members
9
Employees
17

Preparer

Firm
ScottSingletonFincher & Co
Address
4815 King Street Suite A, Greenville, TX 75401
Preparer
Thomas L Nelson
Phone
9034554765
Supplemental Narrative

Additional Explanations

Form 990, Part XI, Line 9

“Increase in member share balances = $793442”

Raw XML AppendixShowing 400 of 500 raw XML fields

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

Path#Value
IRS990/AccountantCompileOrReviewInd0false
IRS990/AccountsPayableAccrExpnssGrp/BOYAmt0321545
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt0402529
IRS990/AccountsReceivableGrp/BOYAmt02706
IRS990/AccountsReceivableGrp/EOYAmt00
IRS990/ActivitiesConductedPrtshpInd0false
IRS990/ActivityOrMissionDesc0TO PROVIDE A LIFELONG COMMITMENT OF QUALITY FINANCIAL SERVICES TO THE MEMBERSHIP OF THE CREDIT UNION
IRS990/AdvertisingGrp/TotalAmt00
IRS990/AllOtherExpensesGrp/TotalAmt029055
IRS990/AnnualDisclosureCoveredPrsnInd0true
IRS990/BackupWthldComplianceInd0true
IRS990/BenefitsToMembersGrp/TotalAmt00
IRS990/BooksInCareOfDetail/PersonNm0Sherri Houston
IRS990/BooksInCareOfDetail/PhoneNum09034574686
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt0P O BOX 8155
IRS990/BooksInCareOfDetail/USAddress/CityNm0GREENVILLE
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0TX
IRS990/BooksInCareOfDetail/USAddress/ZIPCd0754048155
IRS990/BusinessRlnWith35CtrlEntInd0false
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IRS990/BusinessRlnWithOrgMemInd0false
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IRS990/CashNonInterestBearingGrp/BOYAmt01742277
IRS990/CashNonInterestBearingGrp/EOYAmt01498208
IRS990/ChangeToOrgDocumentsInd0false
IRS990/CntrctRcvdGreaterThan100KCnt00
IRS990/CollectionsOfArtInd0false
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt0196181
IRS990/CompDisqualPersonsGrp/TotalAmt00
IRS990/CompensationFromOtherSrcsInd0false
IRS990/CompensationProcessCEOInd0true
IRS990/CompensationProcessOtherInd0true
IRS990/ConferencesMeetingsGrp/TotalAmt00
IRS990/ConflictOfInterestPolicyInd0true
IRS990/ConservationEasementsInd0false
IRS990/ConsolidatedAuditFinclStmtInd0false
IRS990/CreditCounselingInd0false
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt0525698
IRS990/CYOtherExpensesAmt0745640
IRS990/CYOtherRevenueAmt00
IRS990/CYProgramServiceRevenueAmt02162567
IRS990/CYRevenuesLessExpensesAmt0866115
IRS990/CYSalariesCompEmpBnftPaidAmt01076510
IRS990/CYTotalExpensesAmt01822150
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt02688265
IRS990/DecisionsSubjectToApprovaInd0false
IRS990/DeductibleArtContributionInd0false
IRS990/DeductibleNonCashContriInd0false
IRS990/DelegationOfMgmtDutiesInd0false
IRS990/DepreciationDepletionGrp/TotalAmt053133
IRS990/Desc0SERVICE 1ST CREDIT UNION, INCURRED EXPENSES AS A VOLUNTARY NON-PROFIT SAVINGS INSTITUTION 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 TO THE MEMBERSHIP; AND PROVIDING AN OPPORTUNITY FOR MEMBERS TO IMPROVE THEIR ECONOMIC CONDITION.
IRS990/DescribedInSection501c3Ind0false
IRS990/DisregardedEntityInd0false
IRS990/DocumentRetentionPolicyInd0true
IRS990/DonorAdvisedFundInd0false
IRS990/DonorRstrOrQuasiEndowmentsInd0false
IRS990/ElectionOfBoardMembersInd0true
IRS990/EmployeeCnt017
IRS990/EmploymentTaxReturnsFiledInd0true
IRS990/ExpenseAmt01822150
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IRS990/FeesForServicesAccountingGrp/TotalAmt00
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IRS990/FeesForServicesManagementGrp/TotalAmt00
IRS990/FeesForServicesOtherGrp/TotalAmt025833
IRS990/FeesForServicesProfFundraising/TotalAmt00
IRS990/FeesForSrvcInvstMgmntFeesGrp/TotalAmt08935
IRS990/ForeignActivitiesInd0false
IRS990/ForeignFinancialAccountInd0false
IRS990/ForeignGrantsGrp/TotalAmt00
IRS990/ForeignOfficeInd0false
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IRS990/Form990PartVIISectionAGrp/OfficerInd0X
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IRS990/Form990PartVIISectionAGrp/OfficerInd3X
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IRS990/Form990PartVIISectionAGrp/PersonNm0Sherri Houston
IRS990/Form990PartVIISectionAGrp/PersonNm1Crystal Holmden
IRS990/Form990PartVIISectionAGrp/PersonNm2Mike Glenday
IRS990/Form990PartVIISectionAGrp/PersonNm3Ross McClain
IRS990/Form990PartVIISectionAGrp/PersonNm4Fred Hite Jr
IRS990/Form990PartVIISectionAGrp/PersonNm5JoAnn East
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IRS990/Form990PartVIISectionAGrp/PersonNm7Joel Richardson
IRS990/Form990PartVIISectionAGrp/PersonNm8Michael Andreola
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt80
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt100
IRS990/Form990PartVIISectionAGrp/TitleTxt0President
IRS990/Form990PartVIISectionAGrp/TitleTxt1Manager
IRS990/Form990PartVIISectionAGrp/TitleTxt2Director
IRS990/Form990PartVIISectionAGrp/TitleTxt3Director
IRS990/Form990PartVIISectionAGrp/TitleTxt4Vice Chairman
IRS990/Form990PartVIISectionAGrp/TitleTxt5Secretary/Treas
IRS990/Form990PartVIISectionAGrp/TitleTxt6Director
IRS990/Form990PartVIISectionAGrp/TitleTxt7Director
IRS990/Form990PartVIISectionAGrp/TitleTxt8Chairman
IRS990/Form990PartVIISectionAGrp/TitleTxt9Director
IRS990/Form990PartVIISectionAGrp/TitleTxt10Director
IRS990/Form990ProvidedToGvrnBodyInd0true
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IRS990/FundraisingActivitiesInd0false
IRS990/GamingActivitiesInd0false
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IRS990/GrantsToOrganizationsInd0false
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