Civic Intelligence

West Texas Educators Credit Union

EIN 75-0918872 • 501(c)14 • Odessa, TX

View Organization Page

Profile

Organizations mission or most significant activities west texas credit unions mission is to facilitate the financial security of its members through a full range of highly competitive products unsecured loans vehicle loans mortgage loans low cost checking and debit cards financial education and financial consulting and in doing so wtcu seeks to be the provider of choice for the community. Wtcu is committed to achieve the highest quality financial services for our field of membership through all life events.

4301 Mission BlvdOdessa, TX 79765-0000

www.westtexascu.com

Siviq Scores

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

Liabilities / Assets

67th percentile

0.90x

Higher debt load relative to assets than 67% of similar nonprofits.

501(c)14 • $50M-$100M nonprofits • Source year 2023

Liabilities / Revenue

27th percentile

14.51x

Higher debt load relative to revenue than 27% of similar nonprofits.

501(c)14 • $50M-$100M nonprofits • Source year 2023

Net Margin

44th percentile

9.8%

Higher net margin than 44% of similar nonprofits.

501(c)14 • $50M-$100M 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

48th percentile

0.0%

Faster asset growth than 48% of similar nonprofits.

501(c)14 • $50M-$100M nonprofits • Annualized from 2021 to 2023

Revenue Growth

29th percentile

6.3%

Faster revenue growth than 29% of similar nonprofits.

501(c)14 • $50M-$100M nonprofits • Annualized from 2021 to 2023

Balance Sheet
Liabilities / Assets67th percentile

Assets

Up

$62,828,306

Up $426,345 (+0.7%) from 2023

Liabilities

Up

$56,506,913

Up $384,367 (+0.7%) from 2023

Net Assets

Up

$6,321,393

Up $41,978 (+0.7%) from 2023

Operations
Liabilities / Revenue27th percentileNet Margin44th percentile

Revenue

Up

$3,875,125

Up $7,049 (+0.2%) from 2023

Expenses

Up

$3,833,147

Up $344,987 (+9.9%) from 2023

Net Income

Down

$41,978

Down $337,938 (-89%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth48th percentile

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

$80M$60M$40M$20M$0Assets 2010: $50,878,323Liabilities 2010: $46,645,283Net Assets 2010: $4,233,0402010Assets 2011: $51,953,464Liabilities 2011: $47,952,486Net Assets 2011: $4,000,9782011Assets 2012: $51,168,985Liabilities 2012: $47,239,006Net Assets 2012: $3,929,9792012Assets 2013: $50,731,496Liabilities 2013: $46,770,621Net Assets 2013: $3,960,8752013Assets 2014: $55,402,368Liabilities 2014: $51,239,470Net Assets 2014: $4,162,8982014Assets 2015: $55,216,076Liabilities 2015: $50,890,305Net Assets 2015: $4,325,7712015Assets 2016: $53,588,227Liabilities 2016: $49,189,100Net Assets 2016: $4,399,1272016Assets 2017: $56,306,336Liabilities 2017: $51,790,602Net Assets 2017: $4,515,7342017Assets 2018: $58,559,950Liabilities 2018: $53,826,465Net Assets 2018: $4,733,4852018Assets 2019: $57,547,328Liabilities 2019: $52,490,880Net Assets 2019: $5,056,4482019Assets 2020: $61,272,102Liabilities 2020: $55,850,596Net Assets 2020: $5,421,5062020Assets 2021: $62,368,930Liabilities 2021: $56,956,336Net Assets 2021: $5,412,5942021Assets 2023: $62,401,961Liabilities 2023: $56,122,546Net Assets 2023: $6,279,4152023Assets 2024: $62,828,306Liabilities 2024: $56,506,913Net Assets 2024: $6,321,3932024

Highlighted filing

2024

Assets$62,828,306
Liabilities$56,506,913
Net Assets$6,321,393
Open 2024 Filing

Operations Trend

Revenue Growth29th percentile

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

$4.0M$2.0M$0-$2.0MExpenses 2010: $2,250,9692010Revenue 2011: $1,298,258Expenses 2011: $1,481,542Net Income 2011: -$183,2842011Revenue 2012: $1,229,292Expenses 2012: $1,317,997Net Income 2012: -$88,7052012Revenue 2013: $1,602,392Expenses 2013: $1,564,648Net Income 2013: $37,7442013Revenue 2014: $2,525,508Expenses 2014: $2,320,536Net Income 2014: $204,9722014Revenue 2015: $2,680,788Expenses 2015: $2,497,981Net Income 2015: $182,8072015Revenue 2016: $2,555,351Expenses 2016: $2,481,995Net Income 2016: $73,3562016Revenue 2017: $2,583,461Expenses 2017: $2,466,854Net Income 2017: $116,6072017Revenue 2018: $2,820,983Expenses 2018: $2,603,232Net Income 2018: $217,7512018Revenue 2019: $2,969,663Expenses 2019: $2,646,700Net Income 2019: $322,9632019Revenue 2020: $3,369,136Expenses 2020: $3,004,078Net Income 2020: $365,0582020Revenue 2021: $3,421,856Expenses 2021: $3,430,768Net Income 2021: -$8,9122021Revenue 2023: $3,868,076Expenses 2023: $3,488,160Net Income 2023: $379,9162023Revenue 2024: $3,875,125Expenses 2024: $3,833,147Net Income 2024: $41,9782024

Highlighted filing

2024

Revenue$3,875,125
Expenses$3,833,147
Net Income$41,978
Open 2024 Filing

Filings

Most recent year

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

Open filing
Assets
$62,828,306
Liabilities
$56,506,913
Net assets
$6,321,393
Revenue
$3,875,125
Expenses
$3,833,147
Net income
$41,978
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$62.8$56.5$6.32$3.88$3.83$0.04
2023Detailed filing. Detailed filing data is available for this year.$62.4$56.1$6.28$3.87$3.49$0.38
2021Detailed filing. Detailed filing data is available for this year.$62.4$57.0$5.41$3.42$3.43$0.01
2020Detailed filing. Detailed filing data is available for this year.$61.3$55.9$5.42$3.37$3.00$0.37
2019Detailed filing. Detailed filing data is available for this year.$57.5$52.5$5.06$2.97$2.65$0.32
2018Detailed filing. Detailed filing data is available for this year.$58.6$53.8$4.73$2.82$2.60$0.22
2017Detailed filing. Detailed filing data is available for this year.$56.3$51.8$4.52$2.58$2.47$0.12
2016Detailed filing. Detailed filing data is available for this year.$53.6$49.2$4.40$2.56$2.48$0.07
2015Detailed filing. Detailed filing data is available for this year.$55.2$50.9$4.33$2.68$2.50$0.18
2014Detailed filing. Detailed filing data is available for this year.$55.4$51.2$4.16$2.53$2.32$0.20
2013Detailed filing. Detailed filing data is available for this year.$50.7$46.8$3.96$1.60$1.56$0.04
2012Summary only. Only limited summary data is available for this year.$51.2$47.2$3.93$1.23$1.32$0.09
2011Summary only. Only limited summary data is available for this year.$52.0$48.0$4.00$1.30$1.48$0.18
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$50.9$46.6$4.23$2.25
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Mar 23, 2025
Return Version
2024v5.0
Gross Receipts
$3,875,125
Mission and Program Overview

Mission

West Texas Credit Union's mission is to facilitate for the financial security of its members through a full range of highly competitive products (Unsecured Loans, Vehicle Loans, Mortgage Loans, Low Cost Checking and and Debit Cards, Financial Education and Financial Consulting) and in doing so, WTCU seeks to be the provider of choice for the Community. WTCU is committed to achieve the highest quality financial services for our field of membership through all life events.

See Schedule O

Balance Sheet Detail
LineBeginningEndChange
Assets
Accounts Receivable$33,785,377$35,003,213▲ $1,217,836
Investments Other Securities$9,480,181$10,733,056▲ $1,252,875
Savings and Temporary Cash Investments$12,624,615$10,379,972▼ $2,244,643
Cap Stk Tr Prin Current Funds$6,279,415$6,321,393▲ $41,978
Land, Buildings, and Equipment, Net$4,881,170$4,990,481▲ $109,311
Cash and Non-Interest-Bearing Accounts$962,192$882,601▼ $79,591
Prepaid Expenses and Deferred Charges$89,774$151,000▲ $61,226
Pledges and Grants Receivable$0$0→ $0
Receivable From Disqualified Prsn$0$0→ $0
Receivables From Officers Etc$0$0→ $0
Investments Program Related$0$0→ $0
Investments in Publicly Traded Securities$0$0→ $0
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Rtn Earn Endowment Incm Other Fnds$0$0→ $0
Intangible Assets$0$0→ $0
Inventories for Sale or Use$0$0→ $0
Loans From Officers Directors$0$0→ $0
Other Notes and Loans Receivable, Net$-133,065$-100,506▲ $32,559
Total Assets$62,401,961$62,828,306▲ $426,345
Other Assets Total$711,717$788,489▲ $76,772
Liabilities
Other Liabilities$55,230,086$55,803,006▲ $572,920
Accounts Payable and Accrued Expenses$562,065$637,806▲ $75,741
Escrow Account Liability$330,395$66,101▼ $264,294
Grants Payable$0$0→ $0
Mortgage Notes Payable Secured by Investment Property$0$0→ $0
Unsecured Notes Loans Payable$0$0→ $0
Deferred Revenue$0$0→ $0
Tax Exempt Bond Liabilities$0$0→ $0
Total Liabilities$56,122,546$56,506,913▲ $384,367
Net Assets / Fund Balance
Total Net Assets Fund Balance$6,279,415$6,321,393▲ $41,978
Total Liabilities and Net Assets / Fund Balance$62,401,961$62,828,306▲ $426,345

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$3,673,296$878,173-
Land$669,753--
Equipment$308,011$793,234-
Leasehold Improvements$339,421$490,664-
Other Securities$500,000--
Compensation and Service Providers
Top Officer PayScore unavailable

Employees

NameTitleFull / Part TimeBaseOtherTotal
Adrian RubioCEOFT$148,800$19,800$168,600
Angeline Oliva WilsonCFOFT$79,244$15,300$94,544

Board Members and Trustees

NameTitle
Robert BrownChairperson
Charles CarlsonBoard Member
Mary JaramilloBoard Member
Patrick YoungBoard Member
Ricky ChandlerBoard Member
Gilbert VasquezBaord Member
Donnie NorwoodVice Chariman
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$2,916,336
Investment Income
$936,179
Other Revenue
$22,610
All Other Contributions
$0
Change in Net Assets
$41,978
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$2,056,189
Salaries, Compensation, and Employee Benefits$1,522,232
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$0$0$0$929,693
Information Technology$0$0$0$553,396
Current Officers, Directors, Trustees, and Key Employees$0$0$0$263,144
Benefits to Members$0--$254,726
Depreciation Depletion$0$0$0$222,380
Fees for Services Management$0$0$0$207,849
Office Expenses$0$0$0$163,639
Other Employee Benefits$0$0$0$160,360
Occupancy$0$0$0$145,407
Payroll Taxes$0$0$0$98,400
Pension Plan Contributions$0$0$0$70,635
Advertising$0$0$0$65,946
Insurance$0$0$0$56,083
Conferences and Meetings$0$0$0$44,477
Fees for Services Other$0$0$0$30,650
Fees for Services Legal$0$0$0$28,607
Travel$0$0$0$3,182
Fees for Service Investment Mgmnt Fees$0$0$0$1,874
Interest$0$0$0$375
Total Functional Expenses$0$0$0$3,833,147
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
Lobbying 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
Share Accounts$55,803,006
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
Yes
Backup withholding compliance
No
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
No
Other officer compensation reviewed
No
Conflict-of-interest policy
No
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No
Filing and Contact Details

Filer

Filer Name
West Texas Educators Credit Union
EIN
75-0918872
In Care Of
% Angeline Wilson
Phone
4329340433
Address
4301 MISSION BLVD, ODESSA, TX 79765-0000

Signing Officer

Name
Angeline Wilson
Title
Chief Financial Officer
Signed
2025-03-23

Organization Details

Principal Officer
Angeline Wilson
Formed
2024
Legal Domicile
TX
Voting Board Members
10
Independent Board Members
7
Employees
26
Volunteers
7
Supplemental Narrative

Additional Explanations

Part III Line 1

“| Explanation:| ORGANIZATIONS MISSION OR MOST SIGNIFICANT ACTIVITIES WEST TEXAS CREDIT UNIONS MISSION IS TO FACILITATE THE FINANCIAL SECURITY OF ITS MEMBERS THROUGH A FULL RANGE OF HIGHLY COMPETITIVE PRODUCTS UNSECURED LOANS VEHICLE LOANS MORTGAGE LOANS LOW COST CHECKING AND DEBIT CARDS FINANCIAL EDUCATION AND FINANCIAL CONSULTING AND IN DOING SO WTCU SEEKS TO BE THE PROVIDER OF CHOICE FOR THE COMMUNITY. WTCU IS COMMITTED TO ACHIEVE THE HIGHEST QUALITY FINANCIAL SERVICES FOR OUR FIELD OF MEMBERSHIP THROUGH ALL LIFE EVENTS.”

Part XI Line 9

“| Explanation:| CECL WARM CAL - JAN 31 2023 CECL ADJ $64,431.00 P”

Part I Line 1

“| Explanation:| ORGANIZATIONS MISSION OR MOST SIGNIFICANT ACTIVITIES WEST TEXAS CREDIT UNIONS MISSION IS TO FACILITATE THE FINANCIAL SECURITY OF ITS MEMBERS THROUGH A FULL RANGE OF HIGHLY COMPETITIVE PRODUCTS UNSECURED LOANS VEHICLE LOANS MORTGAGE LOANS LOW COST CHECKING AND DEBIT CARDS FINANCIAL EDUCATION AND FINANCIAL CONSULTING AND IN DOING SO WTCU SEEKS TO BE THE PROVIDER OF CHOICE FOR THE COMMUNITY. WTCU IS COMMITTED TO ACHIEVE THE HIGHEST QUALITY FINANCIAL SERVICES FOR OUR FIELD OF MEMBERSHIP THROUGH ALL LIFE EVENTS.”

Raw XML AppendixShowing 400 of 658 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/PersonNm1Angeline Oliva Wilson
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IRS990/Form990PartVIISectionAGrp/PersonNm5MARY JARAMILLO
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IRS990/MissionDesc0ORGANIZATIONS MISSION OR MOST SIGNIFICANT ACTIVITIES WEST TEXAS CREDIT UNIONS MISSION IS TO FACILITATE THE FINANCIAL SECURITY OF ITS MEMBERS THROUGH A FULL RANGE OF HIGHLY COMPETITIVE PRODUCTS UNSECURED LOANS VEHICLE LOANS MORTGAGE LOANS LOW COST CHECKING AND DEBIT CARDS FINANCIAL EDUCATION AND FINANCIAL CONSULTING AND IN DOING SO WTCU SEEKS TO BE THE PROVIDER OF CHOICE FOR THE COMMUNITY. WTCU IS COMMITTED TO ACHIEVE THE HIGHEST QUALITY FINANCIAL SERVICES FOR OUR FIELD OF MEMBERSHIP THROUGH ALL LIFE EVENTS.
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