Civic Intelligence

Doches Credit Union

990 • Fiscal year 2015 • EIN 75-0920970

Jan 01, 2015 to Dec 31, 2015 • Filed on Oct 21, 2016

Organization Profilewww.dochescu.com

View Organization Page

920 NW Stallings DriveNacogdoches, TX 75964

(936) 569-7700

Siviq Scores

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

Liabilities / Assets

42nd percentile

0.87x

Higher debt load relative to assets than 42% of similar nonprofits.

2015 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2015

Liabilities / Revenue

37th percentile

18.37x

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

2015 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2015

Net Margin

49th percentile

7.2%

Higher net margin than 49% of similar nonprofits.

2015 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2015

Top Officer Pay

16th percentile

$61,469

Higher top officer pay than 16% of similar nonprofits.

Top officer pay equals 3.2% of source-year revenue.

2015 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2015

Asset Growth

16th percentile

-1.2%

Faster asset growth than 16% of similar nonprofits.

2015 filings • 501(c)14 • $25M-$50M nonprofits • Annualized from 2014 to 2015

Revenue Growth

90th percentile

11%

Faster revenue growth than 90% of similar nonprofits.

2015 filings • 501(c)14 • $25M-$50M nonprofits • Annualized from 2014 to 2015

Balance Sheet
Liabilities / Assets42nd percentile

Assets

Down

$41,137,178

Down $516,804 (-1.2%) from 2014

Net Assets

Up

$5,343,434

Up $105,213 (+2.0%) from 2014

Liabilities

Down

$35,793,744

Down $622,017 (-1.7%) from 2014

Revenue And Expenses
Liabilities / Revenue37th percentileNet Margin49th percentile

Revenue

Up

$1,948,205

Up $192,307 (+11%) from 2014

Expenses

Up

$1,807,566

Up $284,513 (+19%) from 2014

Net Income

Down

$140,639

Down $92,206 (-40%) from 2014

Historical Trend

Balance Sheet Trend

Asset Growth16th percentile

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

$80M$60M$40M$20M$0Assets 2010: $34,730,276Liabilities 2010: $31,299,546Net Assets 2010: $3,430,7302010Assets 2011: $35,295,394Liabilities 2011: $31,659,106Net Assets 2011: $3,636,2882011Assets 2012: $35,116,423Liabilities 2012: $31,322,901Net Assets 2012: $3,793,5222012Assets 2013: $40,595,278Liabilities 2013: $35,575,722Net Assets 2013: $5,019,5562013Assets 2014: $41,653,982Liabilities 2014: $36,415,761Net Assets 2014: $5,238,2212014Assets 2015: $41,137,178Liabilities 2015: $35,793,744Net Assets 2015: $5,343,4342015Assets 2016: $42,788,148Liabilities 2016: $37,266,807Net Assets 2016: $5,521,3412016Assets 2017: $44,235,974Liabilities 2017: $38,473,881Net Assets 2017: $5,762,0932017Assets 2018: $45,718,569Liabilities 2018: $39,608,297Net Assets 2018: $6,110,2722018Assets 2019: $48,768,904Liabilities 2019: $42,247,250Net Assets 2019: $6,521,6542019Assets 2020: $60,789,245Liabilities 2020: $53,789,999Net Assets 2020: $6,999,2462020Assets 2021: $68,438,612Liabilities 2021: $60,970,193Net Assets 2021: $7,468,4192021Assets 2022: $67,652,678Liabilities 2022: $59,771,592Net Assets 2022: $7,881,0862022Assets 2023: $64,531,807Liabilities 2023: $56,333,816Net Assets 2023: $8,197,9912023Assets 2024: $64,947,244Liabilities 2024: $56,692,076Net Assets 2024: $8,255,1682024

Highlighted filing

2015

Assets$41,137,178
Liabilities$35,793,744
Net Assets$5,343,434
Open 2015 Filing

Operations Trend

Revenue Growth90th percentile

Revenue, expenses, and net income across loaded years, with this filing highlighted.

$6.0M$4.0M$2.0M$0Expenses 2010: $1,631,6112010Expenses 2011: $1,519,5162011Expenses 2012: $1,479,2152012Revenue 2013: $1,605,278Expenses 2013: $1,413,543Net Income 2013: $191,7352013Revenue 2014: $1,755,898Expenses 2014: $1,523,053Net Income 2014: $232,8452014Revenue 2015: $1,948,205Expenses 2015: $1,807,566Net Income 2015: $140,6392015Revenue 2016: $2,038,395Expenses 2016: $1,860,588Net Income 2016: $177,8072016Revenue 2017: $2,281,583Expenses 2017: $2,040,731Net Income 2017: $240,8522017Revenue 2018: $2,769,744Expenses 2018: $2,421,565Net Income 2018: $348,1792018Revenue 2019: $3,110,247Expenses 2019: $2,720,110Net Income 2019: $390,1372019Revenue 2020: $3,194,893Expenses 2020: $2,717,301Net Income 2020: $477,5922020Revenue 2021: $3,447,424Expenses 2021: $2,977,497Net Income 2021: $469,9272021Revenue 2022: $3,842,906Expenses 2022: $3,430,239Net Income 2022: $412,6672022Revenue 2023: $4,463,808Expenses 2023: $4,146,903Net Income 2023: $316,9052023Revenue 2024: $5,040,066Expenses 2024: $4,982,889Net Income 2024: $57,1772024

Highlighted filing

2015

Revenue$1,948,205
Expenses$1,807,566
Net Income$140,639
Open 2015 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2015 to Dec 31, 2015
Signed
Oct 21, 2016
Return Version
2015v2.0
Gross Receipts
$1,948,205
Mission and Program Overview

Mission

To serve all members with the best in friendly, personal service at rates and terms that are competitive; to help them achieve their financial goals.

Balance Sheet Detail
LineBeginningEndChange
Assets
Accounts Receivable$19,773,915$21,563,934▲ $1,790,019
Rtn Earn Endowment Incm Other Fnds$5,238,221$5,343,434▲ $105,213
Savings and Temporary Cash Investments$1,039,370$1,455,631▲ $416,261
Land, Buildings, and Equipment, Net$1,134,408$1,388,818▲ $254,410
Cash and Non-Interest-Bearing Accounts$760,378$1,066,155▲ $305,777
Other Notes and Loans Receivable, Net-$0-
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-
Prepaid Expenses and Deferred Charges-$0-
Total Assets$41,653,982$41,137,178▼ $516,804
Other Assets Total$18,945,911$15,662,640▼ $3,283,271
Liabilities
Other Liabilities$36,415,761$35,793,744▼ $622,017
Total Liabilities$36,415,761$35,793,744▼ $622,017
Net Assets / Fund Balance
Total Net Assets Fund Balance$5,238,221$5,343,434▲ $105,213
Total Liabilities and Net Assets / Fund Balance$41,653,982$41,137,178▼ $516,804

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$932,268$463,801$1,396,069
Equipment$50,517$414,429$464,946
Land$377,506-$377,506
Other Land Buildings$28,524$228,719$257,243
Leasehold Improvements$3$12,125$12,128
Other Assets Org$64,553--
Compensation and Service Providers
Top Officer Pay16th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Jamie FloresPresident & CEOFT$55,809$5,660$61,469
Cody DerouenControllerFT$48,584$5,460$54,044

Board Members and Trustees

NameTitle
Orren SchmidtChairman
Freddie GibsonVice Chairman
Edeska BarnesDirector
Joey MichelleDirector
Josh MooreDirector
Marcela CoeDirector
Mary RidingDirector
Selita HoyaDirector
Joyce StricklandSecretary
Pam PaganoTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$1,948,205
Investment Income
$0
Other Revenue
$0
Change in Net Assets
$140,639
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$1,091,658
Salaries, Compensation, and Employee Benefits$715,908
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$497,039
Office Expenses---$433,639
Occupancy---$116,476
Current Officers, Directors, Trustees, and Key Employees---$109,853
All Other Expenses---$78,192
Other Employee Benefits---$63,736
Fees for Services Other---$59,397
Other Expenses---$51,484
Payroll Taxes---$45,280
Travel---$15,282
Total Functional Expenses$0$0$0$1,807,566
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
Lobbying 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-
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Regular Shares$17,674,200
Share Certificates$7,047,725
Money Market Shares$5,961,683
Share Drafts$3,291,083
Ira/keogh Accounts$1,617,981
Accounts Payable and Other Liabilities$183,948
All Other Shares$17,124
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 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, Part VI, Line 6: Explanation of Classes of Members or Shareholder

“Members are those who work or reside in Nacogdoches, Shelby, Sabine or San Augustine County.”

Form 990, Part VI, Line 7A: How Members or Shareholders Elect Governing Body

“members (over the age of 18) elect the directors.”

Form 990, Part VI, Line 7B: Describe Decisions of Governing Body Approval by Members or Shareholders

“mergers must be approved by the board.”

Form 990, Part VI, Line 11B: Form 990 Review Process

“No review was or will be conducted.”

Form 990, Part VI, Line 12C: Explanation of Monitoring and Enforcement of Conflicts

“all board members and staff are covered by the conflict of interest policy. each year they are required to report any real or perceived conflict of interest. the president and chairman may bring a real or perceived conflict of interest to the board's attention in the absence of a report.”

Form 990, Part VI, Line 15B: Compensation Review and Approval Process for Officers and Key Employees

“the board of directors determines the compensation for the president/ceo and the controller annually by use of a written evaluation form in conjunction with a salary survey performed by the Texas credit union league.”

Form 990, Part VI, Line 19: Other Organization Documents Publicly Available

“the financial statement is posted monthly in the lobby and provided to the attendees at the annual meeting/board election. other documents are available upon request.”

Filing and Contact Details

Filer

Filer Name
Doches Credit Union
EIN
75-0920970
Phone
9365697700
Address
920 NW Stallings Drive, Nacogdoches, TX 75964

Signing Officer

Name
Jamie Flores
Title
President & CEO
Signed
2016-10-21
Discuss with paid preparer
Yes

Organization Details

Formed
1951
Legal Domicile
TX
Voting Board Members
12
Independent Board Members
8
Employees
26

Preparer

Firm
Axley & Rode LLP
Address
1307 S 1st St, Lufkin, TX 75901-4717
Preparer
Tony L Mcgowen Pc CPA
Phone
9366346621
Supplemental Narrative

Additional Explanations

Other Changes In Net Assets Or Fund Balances - Other Decreases

“Decrease in memberships = -$35426”

Raw XML AppendixShowing 400 of 448 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/AccountsReceivableGrp/BOYAmt019773915
IRS990/AccountsReceivableGrp/EOYAmt021563934
IRS990/ActivitiesConductedPrtshpInd0false
IRS990/ActivityOrMissionDesc0To serve all members with the best in friendly, personal service at rates and terms that are competitive; to help them achieve their financial goals.
IRS990/AdvertisingGrp/TotalAmt00
IRS990/AllAffiliatesIncludedInd0false
IRS990/AllOtherExpensesGrp/TotalAmt078192
IRS990/AnnualDisclosureCoveredPrsnInd0true
IRS990/BackupWthldComplianceInd0true
IRS990/BenefitsToMembersGrp/TotalAmt00
IRS990/BooksInCareOfDetail/PersonNm0Jamie Flores
IRS990/BooksInCareOfDetail/PhoneNum09365697700
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt0920 NW Stallings Drive
IRS990/BooksInCareOfDetail/USAddress/CityNm0Nacogdoches
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0TX
IRS990/BooksInCareOfDetail/USAddress/ZIPCd075964
IRS990/BusinessRlnWithFamMemInd0false
IRS990/BusinessRlnWithOfficerEntInd0false
IRS990/BusinessRlnWithOrgMemInd0false
IRS990/CashNonInterestBearingGrp/BOYAmt0760378
IRS990/CashNonInterestBearingGrp/EOYAmt01066155
IRS990/ChangeToOrgDocumentsInd0false
IRS990/CntrctRcvdGreaterThan100KCnt00
IRS990/CollectionsOfArtInd0false
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt0109853
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/CYInvestmentIncomeAmt00
IRS990/CYOtherExpensesAmt01091658
IRS990/CYOtherRevenueAmt00
IRS990/CYProgramServiceRevenueAmt01948205
IRS990/CYRevenuesLessExpensesAmt0140639
IRS990/CYSalariesCompEmpBnftPaidAmt0715908
IRS990/CYTotalExpensesAmt01807566
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt01948205
IRS990/DAFExcessBusinessHoldingsInd0false
IRS990/DecisionsSubjectToApprovaInd0true
IRS990/DeductibleArtContributionInd0false
IRS990/DeductibleNonCashContriInd0false
IRS990/DelegationOfMgmtDutiesInd0false
IRS990/DepreciationDepletionGrp/TotalAmt00
IRS990/Desc0Providing financial services to approximately 8,000 members in 3 counties in East Texas.
IRS990/DescribedInSection501c3Ind0false
IRS990/DisregardedEntityInd0false
IRS990/DistributionToDonorInd0false
IRS990/DocumentRetentionPolicyInd0false
IRS990/DonorAdvisedFundInd0false
IRS990/ElectionOfBoardMembersInd0true
IRS990/EmployeeCnt026
IRS990/EmploymentTaxReturnsFiledInd0true
IRS990/EngagedInExcessBenefitTransInd0false
IRS990/EscrowAccountInd0false
IRS990/FamilyOrBusinessRlnInd0false
IRS990/FederalGrantAuditRequiredInd0false
IRS990/FeesForServicesAccountingGrp/TotalAmt00
IRS990/FeesForServicesLegalGrp/TotalAmt00
IRS990/FeesForServicesLobbyingGrp/TotalAmt00
IRS990/FeesForServicesManagementGrp/TotalAmt00
IRS990/FeesForServicesOtherGrp/TotalAmt059397
IRS990/FeesForServicesProfFundraising/TotalAmt00
IRS990/FeesForSrvcInvstMgmntFeesGrp/TotalAmt00
IRS990/ForeignActivitiesInd0false
IRS990/ForeignFinancialAccountInd0false
IRS990/ForeignGrantsGrp/TotalAmt00
IRS990/ForeignOfficeInd0false
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt00.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt10.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt20.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt30.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt40.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt50.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt60.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt70.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt80.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt90.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt100.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt110.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt02.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt12.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt22.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt32.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt42.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt52.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt62.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt72.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt82.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt92.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1040.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1140.00
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd1X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd2X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd3X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd4X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd5X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd6X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd7X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd8X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd9X
IRS990/Form990PartVIISectionAGrp/OfficerInd0X
IRS990/Form990PartVIISectionAGrp/OfficerInd1X
IRS990/Form990PartVIISectionAGrp/OfficerInd2X
IRS990/Form990PartVIISectionAGrp/OfficerInd3X
IRS990/Form990PartVIISectionAGrp/OfficerInd4X
IRS990/Form990PartVIISectionAGrp/OfficerInd5X
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/OtherCompensationAmt105460
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt115660
IRS990/Form990PartVIISectionAGrp/PersonNm0Mary Riding
IRS990/Form990PartVIISectionAGrp/PersonNm1Marcela Coe
IRS990/Form990PartVIISectionAGrp/PersonNm2Orren Schmidt
IRS990/Form990PartVIISectionAGrp/PersonNm3Pam Pagano
IRS990/Form990PartVIISectionAGrp/PersonNm4Joyce Strickland
IRS990/Form990PartVIISectionAGrp/PersonNm5Josh Moore
IRS990/Form990PartVIISectionAGrp/PersonNm6Joey Michelle
IRS990/Form990PartVIISectionAGrp/PersonNm7Freddie Gibson
IRS990/Form990PartVIISectionAGrp/PersonNm8Selita Hoya
IRS990/Form990PartVIISectionAGrp/PersonNm9Edeska Barnes
IRS990/Form990PartVIISectionAGrp/PersonNm10Cody Derouen
IRS990/Form990PartVIISectionAGrp/PersonNm11Jamie Flores
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt90
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt1048584
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt1155809
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/ReportableCompFromRltdOrgAmt100
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt110
IRS990/Form990PartVIISectionAGrp/TitleTxt0Director
IRS990/Form990PartVIISectionAGrp/TitleTxt1Director
IRS990/Form990PartVIISectionAGrp/TitleTxt2Chairman
IRS990/Form990PartVIISectionAGrp/TitleTxt3Treasurer
IRS990/Form990PartVIISectionAGrp/TitleTxt4Secretary
IRS990/Form990PartVIISectionAGrp/TitleTxt5Director
IRS990/Form990PartVIISectionAGrp/TitleTxt6Director
IRS990/Form990PartVIISectionAGrp/TitleTxt7Vice Chairman
IRS990/Form990PartVIISectionAGrp/TitleTxt8Director
IRS990/Form990PartVIISectionAGrp/TitleTxt9Director
IRS990/Form990PartVIISectionAGrp/TitleTxt10Controller
IRS990/Form990PartVIISectionAGrp/TitleTxt11President & CEO
IRS990/Form990ProvidedToGvrnBodyInd0false
IRS990/Form990TFiledInd0true
IRS990/FormationYr01951
IRS990/FormerOfcrEmployeesListedInd0false
IRS990/FSAuditedInd0false
IRS990/FundraisingActivitiesInd0false
IRS990/GamingActivitiesInd0false
IRS990/GoverningBodyVotingMembersCnt012
IRS990/GrantsToDomesticIndividualsGrp/TotalAmt00
IRS990/GrantsToDomesticOrgsGrp/TotalAmt00
IRS990/GrantsToIndividualsInd0false
IRS990/GrantsToOrganizationsInd0false
IRS990/GrantToRelatedPersonInd0false
IRS990/GrossReceiptsAmt01948205
IRS990/GroupReturnForAffiliatesInd0false
IRS990/IncludeFIN48FootnoteInd0false
IRS990/IncmFromInvestBondProceedsGrp/TotalRevenueColumnAmt00
IRS990/IndependentAuditFinclStmtInd0false
IRS990/IndependentVotingMemberCnt08
IRS990/IndivRcvdGreaterThan100KCnt00
IRS990/IndoorTanningServicesInd0false
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartXIInd0X
IRS990/InformationTechnologyGrp/TotalAmt00
IRS990/InsuranceGrp/TotalAmt00
IRS990/IntangibleAssetsGrp/EOYAmt00
IRS990/InterestGrp/TotalAmt00
IRS990/InventoriesForSaleOrUseGrp/EOYAmt00
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt00
IRS990/InvestmentInJointVentureInd0false
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt00
IRS990/InvestmentsProgramRelatedGrp/EOYAmt00
IRS990/InvestmentsPubTradedSecGrp/EOYAmt00
IRS990/InvestTaxExemptBondsInd0false
IRS990/IRPDocumentCnt01002
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt01119074
IRS990/LandBldgEquipBasisNetGrp/BOYAmt01134408
IRS990/LandBldgEquipBasisNetGrp/EOYAmt01388818
IRS990/LandBldgEquipCostOrOtherBssAmt02507892
IRS990/LegalDomicileStateCd0TX
IRS990/LicensedMoreThanOneStateInd0false
IRS990/LoanOutstandingInd0false
IRS990/LobbyingActivitiesInd0false
IRS990/LocalChaptersInd0true
IRS990/MaterialDiversionOrMisuseInd0false
IRS990/MembersOrStockholdersInd0true
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd0true
IRS990/MinutesOfGoverningBodyInd0true
IRS990/MissionDesc0To serve all members with the best in friendly, personal service at rates and terms that are competitive; to help them achieve their financial goals.
IRS990/MoreThan5000KToIndividualsInd0false
IRS990/MoreThan5000KToOrgInd0false
IRS990/NetAssetsOrFundBalancesBOYAmt05238221
IRS990/NetAssetsOrFundBalancesEOYAmt05343434
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt00
IRS990/NetIncmFromFundraisingEvtGrp/TotalRevenueColumnAmt00
IRS990/NetIncomeFromGamingGrp/TotalRevenueColumnAmt00
IRS990/NetIncomeOrLossGrp/TotalRevenueColumnAmt00
IRS990/NetRentalIncomeOrLossGrp/TotalRevenueColumnAmt00
IRS990/NetUnrelatedBusTxblIncmAmt0-16883
IRS990/NondeductibleContributionsInd0false
IRS990/OccupancyGrp/TotalAmt0116476
IRS990/OfficeExpensesGrp/TotalAmt0433639
IRS990/OfficerMailingAddressInd0false
IRS990/OnBehalfOfIssuerInd0false
IRS990/OperateHospitalInd0false
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OrgFiledInLieuOfForm1041Ind0false
IRS990/OtherAssetsTotalGrp/BOYAmt018945911
IRS990/OtherAssetsTotalGrp/EOYAmt015662640
IRS990/OtherChangesInNetAssetsAmt0-35426
IRS990/OtherEmployeeBenefitsGrp/TotalAmt063736
IRS990/OtherExpensesGrp/Desc0miscellaneous operating expens
IRS990/OtherExpensesGrp/Desc1share dividends
IRS990/OtherExpensesGrp/Desc2interest on deposits
IRS990/OtherExpensesGrp/Desc3provision for loan losses
IRS990/OtherExpensesGrp/TotalAmt0205606
IRS990/OtherExpensesGrp/TotalAmt172530
IRS990/OtherExpensesGrp/TotalAmt259052
IRS990/OtherExpensesGrp/TotalAmt351484
IRS990/OtherLiabilitiesGrp/BOYAmt036415761
IRS990/OtherLiabilitiesGrp/EOYAmt035793744
IRS990/OtherRevenueTotalAmt00
IRS990/OtherSalariesAndWagesGrp/TotalAmt0497039
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt00
IRS990/PartialLiquidationInd0false
IRS990/PaymentsToAffiliatesGrp/TotalAmt00
IRS990/PayrollTaxesGrp/TotalAmt045280
IRS990/PensionPlanContributionsGrp/TotalAmt00
IRS990/PledgesAndGrantsReceivableGrp/EOYAmt00
IRS990/PoliciesReferenceChaptersInd0true
IRS990/PoliticalCampaignActyInd0false
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt00
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/BusinessCd0524298
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/BusinessCd2522100
IRS990/ProgramServiceRevenueGrp/BusinessCd3522100
IRS990/ProgramServiceRevenueGrp/BusinessCd4524298
IRS990/ProgramServiceRevenueGrp/Desc0Credit Life Insurance
IRS990/ProgramServiceRevenueGrp/Desc1Fee Income
IRS990/ProgramServiceRevenueGrp/Desc2Interest on Loans
IRS990/ProgramServiceRevenueGrp/Desc3Investment Income
IRS990/ProgramServiceRevenueGrp/Desc4Other Income
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt0461911
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt11240043
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt2172376
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt324816
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt019970
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1461911
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt21240043
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt3172376
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt424816
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt019970
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYExcessBenefitTransInd0false
IRS990/PymtTravelEntrtnmntPubOfclGrp/TotalAmt00
IRS990/PYOtherExpensesAmt0787566
IRS990/PYProgramServiceRevenueAmt01755898
IRS990/PYRevenuesLessExpensesAmt0232845
IRS990/PYSalariesCompEmpBnftPaidAmt0735487
IRS990/PYTotalExpensesAmt01523053
IRS990/PYTotalRevenueAmt01755898
IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt00
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt00
IRS990/ReconcilationRevenueExpnssAmt0140639
IRS990/RegularMonitoringEnfrcInd0true
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0true
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RoyaltiesGrp/TotalAmt00
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt05238221
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt05343434
IRS990/SavingsAndTempCashInvstGrp/BOYAmt01039370
IRS990/SavingsAndTempCashInvstGrp/EOYAmt01455631
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/BuildingsGrp/BookValueAmt0932268
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0463801
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt01396069
IRS990ScheduleD/EquipmentGrp/BookValueAmt050517
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0414429
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt0464946
IRS990ScheduleD/LandGrp/BookValueAmt0377506
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0377506
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt03
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt012125
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt012128
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt071776
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt1360957
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt264553
IRS990ScheduleD/OtherAssetsOrgGrp/Desc0ACCRUED INTEREST RECEIVABLE
IRS990ScheduleD/OtherAssetsOrgGrp/Desc1NCUA SHARE INSURANCE DEPOSIT
IRS990ScheduleD/OtherAssetsOrgGrp/Desc2OTHER ASSETS
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt028524
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt0228719
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt0257243
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0183948
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt117124
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt21617981
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt35961683
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt417674200
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt57047725
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt63291083
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0ACCOUNTS PAYABLE AND OTHER LIABILITIES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1ALL OTHER SHARES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc2IRA/KEOGH ACCOUNTS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc3MONEY MARKET SHARES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc4REGULAR SHARES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc5SHARE CERTIFICATES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc6SHARE DRAFTS
IRS990ScheduleD/TotalBookValueLandBuildingsAmt01388818
IRS990ScheduleD/TotalBookValueOtherAssetsAmt015662640
IRS990ScheduleD/TotalLiabilityAmt035793744
IRS990/ScheduleJRequiredInd0false
IRS990/ScheduleORequiredInd0false
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0Members are those who work or reside in Nacogdoches, Shelby, Sabine or San Augustine County.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1members (over the age of 18) elect the directors.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2mergers must be approved by the board.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3No review was or will be conducted.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4all board members and staff are covered by the conflict of interest policy. each year they are required to report any real or perceived conflict of interest. the president and chairman may bring a real or perceived conflict of interest to the board's attention in the absence of a report.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5the board of directors determines the compensation for the president/ceo and the controller annually by use of a written evaluation form in conjunction with a salary survey performed by the Texas credit union league.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6the financial statement is posted monthly in the lobby and provided to the attendees at the annual meeting/board election. other documents are available upon request.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7Decrease in memberships = -$35426
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990, Part VI, Line 6: Explanation of Classes of Members or Shareholder
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990, Part VI, Line 7a: How Members or Shareholders Elect Governing Body
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990, Part VI, Line 7b: Describe Decisions of Governing Body Approval by Members or Shareholders
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990, Part VI, Line 11b: Form 990 Review Process
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Form 990, Part VI, Line 12c: Explanation of Monitoring and Enforcement of Conflicts
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Form 990, Part VI, Line 15b: Compensation Review and Approval Process for Officers and Key Employees
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6Form 990, Part VI, Line 19: Other Organization Documents Publicly Available
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7Other Changes In Net Assets Or Fund Balances - Other Decreases
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/TaxableDistributionsInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt041653982
IRS990/TotalAssetsEOYAmt041137178
IRS990/TotalAssetsGrp/BOYAmt041653982
IRS990/TotalAssetsGrp/EOYAmt041137178
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalContributionsAmt00
IRS990/TotalEmployeeCnt026
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt01807566
IRS990/TotalGrossUBIAmt049059
IRS990/TotalLiabilitiesBOYAmt036415761
IRS990/TotalLiabilitiesEOYAmt035793744
IRS990/TotalLiabilitiesGrp/BOYAmt036415761

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2015 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$41,137,178
Liabilities
$35,793,744
Net assets
$5,343,434
Revenue
$1,948,205
Expenses
$1,807,566
Net income
$140,639
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$64.9$56.7$8.26$5.04$4.98$0.06
2023Detailed filing. Detailed filing data is available for this year.$64.5$56.3$8.20$4.46$4.15$0.32
2022Detailed filing. Detailed filing data is available for this year.$67.7$59.8$7.88$3.84$3.43$0.41
2021Detailed filing. Detailed filing data is available for this year.$68.4$61.0$7.47$3.45$2.98$0.47
2020Detailed filing. Detailed filing data is available for this year.$60.8$53.8$7.00$3.19$2.72$0.48
2019Detailed filing. Detailed filing data is available for this year.$48.8$42.2$6.52$3.11$2.72$0.39
2018Detailed filing. Detailed filing data is available for this year.$45.7$39.6$6.11$2.77$2.42$0.35
2017Detailed filing. Detailed filing data is available for this year.$44.2$38.5$5.76$2.28$2.04$0.24
2016Detailed filing. Detailed filing data is available for this year.$42.8$37.3$5.52$2.04$1.86$0.18
2015Detailed filing. Detailed filing data is available for this year.$41.1$35.8$5.34$1.95$1.81$0.14
2014Detailed filing. Detailed filing data is available for this year.$41.7$36.4$5.24$1.76$1.52$0.23
2013Detailed filing. Detailed filing data is available for this year.$40.6$35.6$5.02$1.61$1.41$0.19
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$35.1$31.3$3.79$1.48
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$35.3$31.7$3.64$1.52
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$34.7$31.3$3.43$1.63