Civic Intelligence

Relyon Credit Union

EIN 75-0926100 • 501(c)14 • Kaufman, TX

View Organization Page

Profile

A cooperative committed to uncommon and kindhearted banking, incorporated under the provisions of the texas credit union act, organized for the purpose of improving our members' lives by providing financial opportunities through services, access to credit sources at fair reasonable interest rates, and saving products at competitive interest rates to improve their financial well-being.

315 East Fair StreetKaufman, TX 75142

www.relyoncu.org

Siviq Scores

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

Liabilities / Assets

Score unavailable

No value available

Liabilities-to-assets requires both liabilities and assets on the latest valid filing.

Source year 2024

Liabilities / Revenue

26th percentile

0.00x

Tied with the lowest-debt nonprofits in its peer group.

501(c)14 • $1M-$5M nonprofits • Source year 2024

Net Margin

4th percentile

-119%

Higher net margin than 4% of similar nonprofits.

501(c)14 • $1M-$5M 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

24th percentile

-100%

Faster asset growth than 24% of similar nonprofits.

501(c)14 • $1M-$5M nonprofits • Annualized from 2023 to 2024

Revenue Growth

11th percentile

-44%

Faster revenue growth than 11% of similar nonprofits.

501(c)14 • $1M-$5M nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / AssetsScore unavailable

Assets

Down

$0

Down $81,920,034 (-100%) from 2023

Liabilities

Down

$0

Down $76,802,450 (-100%) from 2023

Net Assets

Down

$0

Down $5,117,584 (-100%) from 2023

Operations
Liabilities / Revenue26th percentileNet Margin4th percentile

Revenue

Down

$4,300,329

Down $3,389,274 (-44%) from 2023

Expenses

Down

$9,435,831

Down $205,446 (-2.1%) from 2023

Net Income

Down

-$5,135,502

Down $3,183,828 (-163%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth24th percentile

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

$100M$50M$0Assets 2010: $50,662,864Liabilities 2010: $44,364,213Net Assets 2010: $6,298,6512010Assets 2011: $57,681,445Liabilities 2011: $51,434,117Net Assets 2011: $6,247,3282011Assets 2012: $63,893,594Liabilities 2012: $57,645,578Net Assets 2012: $6,248,0162012Assets 2013: $62,783,237Liabilities 2013: $56,442,321Net Assets 2013: $6,340,9162013Assets 2014: $64,566,997Liabilities 2014: $58,137,895Net Assets 2014: $6,429,1022014Assets 2015: $64,893,352Liabilities 2015: $58,372,251Net Assets 2015: $6,521,1012015Assets 2016: $65,499,249Liabilities 2016: $59,067,525Net Assets 2016: $6,431,7242016Assets 2017: $64,293,073Liabilities 2017: $57,739,661Net Assets 2017: $6,553,4122017Assets 2018: $64,583,413Liabilities 2018: $58,907,840Net Assets 2018: $5,675,5732018Assets 2019: $65,832,600Liabilities 2019: $59,932,810Net Assets 2019: $5,899,7902019Assets 2020: $82,959,252Liabilities 2020: $77,063,554Net Assets 2020: $5,895,6982020Assets 2021: $85,106,036Liabilities 2021: $78,929,385Net Assets 2021: $6,176,6512021Assets 2022: $92,326,804Liabilities 2022: $84,376,029Net Assets 2022: $7,950,7752022Assets 2023: $81,920,034Liabilities 2023: $76,802,450Net Assets 2023: $5,117,5842023Assets 2024: $0Liabilities 2024: $0Net Assets 2024: $02024

Highlighted filing

2024

Assets$0
Liabilities$0
Net Assets$0
Open 2024 Filing

Operations Trend

Revenue Growth11th percentile

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

$10M$5.0M$0-$5.0M-$10MExpenses 2010: $3,697,2542010Expenses 2011: $3,346,8322011Expenses 2012: $3,158,9602012Revenue 2013: $3,035,028Expenses 2013: $2,942,128Net Income 2013: $92,9002013Revenue 2014: $2,860,519Expenses 2014: $2,772,333Net Income 2014: $88,1862014Revenue 2015: $2,692,371Expenses 2015: $2,600,372Net Income 2015: $91,9992015Revenue 2016: $2,602,948Expenses 2016: $2,692,325Net Income 2016: -$89,3772016Revenue 2017: $2,887,280Expenses 2017: $2,765,592Net Income 2017: $121,6882017Revenue 2018: $3,280,599Expenses 2018: $4,158,438Net Income 2018: -$877,8392018Revenue 2019: $3,756,859Expenses 2019: $3,532,642Net Income 2019: $224,2172019Revenue 2020: $5,312,610Expenses 2020: $5,278,395Net Income 2020: $34,2152020Revenue 2021: $6,453,142Expenses 2021: $6,178,003Net Income 2021: $275,1392021Revenue 2022: $9,173,062Expenses 2022: $7,408,315Net Income 2022: $1,764,7472022Revenue 2023: $7,689,603Expenses 2023: $9,641,277Net Income 2023: -$1,951,6742023Revenue 2024: $4,300,329Expenses 2024: $9,435,831Net Income 2024: -$5,135,5022024

Highlighted filing

2024

Revenue$4,300,329
Expenses$9,435,831
Net Income-$5,135,502
Open 2024 Filing

Filings

Most recent year

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

Open filing
Assets
$0
Liabilities
$0
Net assets
$0
Revenue
$4,300,329
Expenses
$9,435,831
Net income
-$5,135,502
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$0.00$0.00$0.00$4.30$9.44$5.14
2023Detailed filing. Detailed filing data is available for this year.$81.9$76.8$5.12$7.69$9.64$1.95
2022Detailed filing. Detailed filing data is available for this year.$92.3$84.4$7.95$9.17$7.41$1.76
2021Detailed filing. Detailed filing data is available for this year.$85.1$78.9$6.18$6.45$6.18$0.28
2020Detailed filing. Detailed filing data is available for this year.$83.0$77.1$5.90$5.31$5.28$0.03
2019Detailed filing. Detailed filing data is available for this year.$65.8$59.9$5.90$3.76$3.53$0.22
2018Summary only. Only limited summary data is available for this year.$64.6$58.9$5.68$3.28$4.16$0.88
2017Detailed filing. Detailed filing data is available for this year.$64.3$57.7$6.55$2.89$2.77$0.12
2016Detailed filing. Detailed filing data is available for this year.$65.5$59.1$6.43$2.60$2.69$0.09
2015Detailed filing. Detailed filing data is available for this year.$64.9$58.4$6.52$2.69$2.60$0.09
2014Detailed filing. Detailed filing data is available for this year.$64.6$58.1$6.43$2.86$2.77$0.09
2013Detailed filing. Detailed filing data is available for this year.$62.8$56.4$6.34$3.04$2.94$0.09
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$63.9$57.6$6.25$3.16
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$57.7$51.4$6.25$3.35
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$50.7$44.4$6.30$3.70
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Aug 31, 2024
Signed
Jun 9, 2025
Return Version
2024v5.1
Gross Receipts
$4,300,329
Mission and Program Overview

Mission

Cooperative provider of the credit union financial services.

A cooperative organized to provide financial services for members in our community charter field of membership.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$66,109,722$0▼ $66,109,722
Savings and Temporary Cash Investments$8,151,525$0▼ $8,151,525
Rtn Earn Endowment Incm Other Fnds$5,117,584$0▼ $5,117,584
Land, Buildings, and Equipment, Net$3,114,875$0▼ $3,114,875
Cash and Non-Interest-Bearing Accounts$1,379,054$0▼ $1,379,054
Investments in Publicly Traded Securities$404,569$0▼ $404,569
Prepaid Expenses and Deferred Charges$366,844$0▼ $366,844
Investments Other Securities$127,054$0▼ $127,054
Accounts Receivable$93,502$0▼ $93,502
Pledges and Grants Receivable-$0-
Receivable From Disqualified Prsn-$0-
Receivables From Officers Etc-$0-
Investments Program Related-$0-
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Intangible Assets-$0-
Inventories for Sale or Use-$0-
Total Assets$81,920,034$0▼ $81,920,034
Other Assets Total$2,172,889$0▼ $2,172,889
Liabilities
Other Liabilities$74,378,896$0▼ $74,378,896
Accounts Payable and Accrued Expenses$2,423,554$0▼ $2,423,554
Total Liabilities$76,802,450$0▼ $76,802,450
Net Assets / Fund Balance
Total Net Assets Fund Balance$5,117,584$0▼ $5,117,584
Total Liabilities and Net Assets / Fund Balance$81,920,034$0▼ $81,920,034
Compensation and Service Providers
Top Officer PayScore unavailable

Employees

NameTitleFull / Part TimeBaseOtherTotal
Sarah SpoonerPresident/CEO & DirectorFT$265,868$9,064$274,932
Nicolle KovacsEvp/CFOFT$116,786$25,546$142,332

Board Members and Trustees

NameTitle
Albert GomezChairperson
Joseph FarrierVice Chairperson
Anne GlasscockDirector
David KnopDirector
Marian Monroe-stewardDirector
Dejan LeskaroskyAdvisor
Jim CaseyAdvisor
Carolyn MizeSecretary
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$4,100,974
Investment Income
$199,355
Other Revenue
$0
Change in Net Assets
$-5,135,502
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$6,669,709
Salaries, Compensation, and Employee Benefits$2,762,693
Grants and Similar Amounts Paid$3,429
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$1,998,239
Fees for Services Other---$1,635,959
Interest---$696,630
Current Officers, Directors, Trustees, and Key Employees---$417,264
Depreciation Depletion---$364,948
Office Expenses---$311,504
Information Technology---$263,186
Other Employee Benefits---$177,567
Other Expenses---$150,620
All Other Expenses---$129,818
Payroll Taxes---$126,991
Occupancy---$126,012
Advertising---$110,255
Pension Plan Contributions---$42,632
Insurance---$37,353
Fees for Services Accounting---$34,000
Travel---$24,565
Fees for Services Legal---$24,363
Grants to Domestic Orgs---$3,429
Total Functional Expenses$0$0$0$9,435,831
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
Yes
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, Section A, Line 4

“Relyon credit union merged its assets into neighborhood credit union effective september 1, 2024. Credit union deposit and lending services for the former members will continue under neighborhood credit union.”

Form 990, Part VI, Section A, Line 6

“All account holders are referred to as members.”

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

“A nominating committee nominates individuals for membership of the governing body who are elected by credit union members.”

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

“Members of the credit union have the right to approve the governing body's election and removal of members of the governing body, as well as other matters that are subject to the approval of members of the credit union as they occur.”

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

“The cfo reviews form 990 after completion and before filing.”

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

“All officers, directors and key employees are required to file an annual conflict of interest disclosure.”

Form 990, Part VI, Section B, Line 15

“Ceo's compensation is reviewed and set by the credit union's board of directors. Other officers and key employees' compensation is set by the ceo using market data.”

Form 990, Part VI, Section C, Line 19

“Governing documents and the conflict of interest policy are not made available to the public. The credit union's financials are available for public viewing on www.ncua.gov via the quarterly 5300 filing.”

Filing and Contact Details

Filer

Filer Name
Relyon Credit Union
EIN
75-0926100
Phone
2143573328
Address
315 EAST FAIR STREET, KAUFMAN, TX 75142

Signing Officer

Name
Nicolle Kovacs
Title
CFO
Phone
9729425728
Signed
2025-06-09
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Nicolle Kovacs
Formed
1952
Legal Domicile
TX
Voting Board Members
7
Independent Board Members
6
Employees
41
Volunteers
7

Preparer

Firm
Doeren Mayhew
Address
8785 SW 165TH AVENUE SUITE 303, MIAMI, FL 33193
Preparer
Aubrey Clegg
Phone
3052328272
Supplemental Narrative

Additional Explanations

Form 990, Part III, Line 3

“Relyon credit union merged its assets into neighborhood credit union effective september 1, 2024. Credit union deposit and lending services for the former members will continue under neighborhood credit union.”

Form 990, Part IX, Line 11G

“Other professional services 1,635,959.”

Form 990, Part IX, Line 24E

“Other 70,817. Fraud losses 47,951. Education 11,050.”

FORM 990, PART XI, LINE 9:

“Transfer of net assets (which included member deposits) through a 13,069. Merger into neighborhood credit union”

Financial Statement Notes

PART X, LINE 2:

“The credit union is exempt from most federal, state and local income taxes under the provisions of the internal revenue code (irc) and state tax laws. However, irc section 511 imposes a tax on the unrelated business income derived by state-chartered credit unions. Generally, these taxes are insignificant to the credit union.”

Raw XML AppendixShowing 400 of 482 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
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IRS990/ActivitiesConductedPrtshpInd00
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IRS990/CreditCounselingInd00
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IRS990/Form990PartVIISectionAGrp/TitleTxt5DIRECTOR
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IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt0127054
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt00
IRS990/InvestmentsProgramRelatedGrp/EOYAmt00
IRS990/InvestmentsPubTradedSecGrp/BOYAmt0404569
IRS990/InvestmentsPubTradedSecGrp/EOYAmt00
IRS990/IRPDocumentCnt00
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt00
IRS990/LandBldgEquipBasisNetGrp/BOYAmt03114875
IRS990/LandBldgEquipBasisNetGrp/EOYAmt00
IRS990/LandBldgEquipCostOrOtherBssAmt00
IRS990/LegalDomicileStateCd0TX
IRS990/LoanOutstandingInd00
IRS990/LocalChaptersInd00
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0A COOPERATIVE COMMITTED TO UNCOMMON AND KINDHEARTED BANKING, INCORPORATED UNDER THE PROVISIONS OF THE TEXAS CREDIT UNION ACT, ORGANIZED FOR THE PURPOSE OF IMPROVING OUR MEMBERS' LIVES BY PROVIDING FINANCIAL OPPORTUNITIES THROUGH SERVICES, ACCESS TO CREDIT SOURCES AT FAIR REASONABLE INTEREST RATES, AND SAVING PRODUCTS AT COMPETITIVE INTEREST RATES TO IMPROVE THEIR FINANCIAL WELL-BEING.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/NetAssetsOrFundBalancesBOYAmt05117584
IRS990/NetAssetsOrFundBalancesEOYAmt00
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NetUnrlzdGainsLossesInvstAmt04849
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt0126012
IRS990/OfficeExpensesGrp/TotalAmt0311504
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt02172889
IRS990/OtherAssetsTotalGrp/EOYAmt00
IRS990/OtherChangesInNetAssetsAmt013069
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0177567
IRS990/OtherExpensesGrp/Desc0UBIT
IRS990/OtherExpensesGrp/Desc1PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/Desc2LOAN PROCESSING
IRS990/OtherExpensesGrp/Desc3HOME BANKING
IRS990/OtherExpensesGrp/TotalAmt02400
IRS990/OtherExpensesGrp/TotalAmt12241047
IRS990/OtherExpensesGrp/TotalAmt2517049
IRS990/OtherExpensesGrp/TotalAmt3150620
IRS990/OtherLiabilitiesGrp/BOYAmt074378896
IRS990/OtherLiabilitiesGrp/EOYAmt00
IRS990/OtherSalariesAndWagesGrp/TotalAmt01998239
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt066109722
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt00
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt0126991
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt042632
IRS990/PledgesAndGrantsReceivableGrp/EOYAmt00
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0366844
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt00
IRS990/PrincipalOfficerNm0NICOLLE KOVACS
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1524298
IRS990/ProgramServiceRevenueGrp/BusinessCd2522100
IRS990/ProgramServiceRevenueGrp/BusinessCd3520000
IRS990/ProgramServiceRevenueGrp/Desc0LOAN INTEREST INCOME
IRS990/ProgramServiceRevenueGrp/Desc1MEMBER FEES AND OTHER
IRS990/ProgramServiceRevenueGrp/Desc2INTERCHANGE INCOME
IRS990/ProgramServiceRevenueGrp/Desc3FINANCE AND INSURANCE
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt03010850
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt1773366
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt2301303
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt03010850
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1773366
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt2301303
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt315455
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt015455
IRS990/ProgSrvcAccomActy2Grp/Desc0RELYON CREDIT UNION OFFERS A VARIETY OF SHORT-TERM AND LONG-TERM CD AND IRA INVESTMENT OPTIONS AT COMPETITIVE RATES TO ASSIST MEMBERS IN IMPROVING AND GROWING THEIR FINANCIAL WELL-BEING.
IRS990/ProgSrvcAccomActy3Grp/Desc0RELYON CREDIT UNION PROVIDES FOR A VARIETY OF SAVINGS AND CHECKINGS ACCOUNTS: INCLUDING CHECKING, REGULAR SAVINGS AND MONEY MARKETS. THE REGULAR SHARE ACCOUNT HAS A MINIMUM $5.00 ACCOUNT BALANCE WITH A ONE TIME $10.00 MEMBERSHIP FEE. THESE ACCOUNTS PAY A MONTHLY DIVIDEND. AS OF AUGUST 31, 2024 RELYON CREDIT UNION HAD APPROXIMATELY 7,500 MEMBERS.
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt016500
IRS990/PYInvestmentIncomeAmt0378404
IRS990/PYOtherExpensesAmt06665668
IRS990/PYOtherRevenueAmt00
IRS990/PYProgramServiceRevenueAmt07311199
IRS990/PYRevenuesLessExpensesAmt0-1951674
IRS990/PYSalariesCompEmpBnftPaidAmt02959109
IRS990/PYTotalExpensesAmt09641277
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt07689603
IRS990/QuidProQuoContributionsInd00
IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt00
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt00
IRS990/ReconcilationRevenueExpnssAmt0-5135502
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd00
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd00
IRS990/ReportProgramRelatedInvstInd00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt05117584
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt00
IRS990/SavingsAndTempCashInvstGrp/BOYAmt08151525
IRS990/SavingsAndTempCashInvstGrp/EOYAmt00
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/FootnoteTextInd0X
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0THE CREDIT UNION IS EXEMPT FROM MOST FEDERAL, STATE AND LOCAL INCOME TAXES UNDER THE PROVISIONS OF THE INTERNAL REVENUE CODE (IRC) AND STATE TAX LAWS. HOWEVER, IRC SECTION 511 IMPOSES A TAX ON THE UNRELATED BUSINESS INCOME DERIVED BY STATE-CHARTERED CREDIT UNIONS. GENERALLY, THESE TAXES ARE INSIGNIFICANT TO THE CREDIT UNION.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0PART X, LINE 2:
IRS990ScheduleD/TotalBookValueLandBuildingsAmt00
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/CompensationSurveyInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd00
IRS990ScheduleJ/Form990OfOtherOrganizationsInd0X
IRS990/ScheduleJRequiredInd01
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0265868
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt03174
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt05890
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0SARAH SPOONER
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0PRESIDENT/CEO & DIRECTOR
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt0274932
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt00
IRS990ScheduleJ/SeverancePaymentInd00
IRS990ScheduleJ/SupplementalInformationDetail/ExplanationTxt0THE CEO, SARAH SPONNER, PARTICIPATED IN A 457B PLAN. DURING 2024, $11,500 WAS DEFERRED.
IRS990ScheduleJ/SupplementalInformationDetail/FormAndLineReferenceDesc0PART I, LINE 4B
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd01
IRS990ScheduleJ/WrittenEmploymentContractInd0X
IRS990ScheduleN/AssetsDistributedInd01
IRS990ScheduleN/AttorneyGeneralNotifiedInd01
IRS990ScheduleN/BondsOutstandingInd00
IRS990ScheduleN/DirectorOfSuccessorInd01
IRS990ScheduleN/EmployeeOfSuccessorInd01
IRS990ScheduleN/LiabilitiesPaidInd01
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/AssetsDistriOrExpnssPaidDesc0CASH AND CASH EQUIVALENTS
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/AssetsDistriOrExpnssPaidDesc1LOAN TO MEMBERS
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/AssetsDistriOrExpnssPaidDesc2PROPERTY AND EQUIPMENT
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/AssetsDistriOrExpnssPaidDesc3INVESTMENTS
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/AssetsDistriOrExpnssPaidDesc4OTHER ASSETS
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/BusinessName/BusinessNameLine1Txt0NEIGHBORHOOD CREDIT UNION
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/BusinessName/BusinessNameLine1Txt1NEIGHBORHOOD CREDIT UNION
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/BusinessName/BusinessNameLine1Txt2NEIGHBORHOOD CREDIT UNION
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/BusinessName/BusinessNameLine1Txt3NEIGHBORHOOD CREDIT UNION
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/BusinessName/BusinessNameLine1Txt4NEIGHBORHOOD CREDIT UNION
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/DistributionDt02024-09-01
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/DistributionDt12024-09-01
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/DistributionDt22024-09-01
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/DistributionDt32024-09-01
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/DistributionDt42024-09-01
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/EIN0750224670
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/EIN1750224670
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/EIN2750224670
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/EIN3750224670
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/EIN4750224670
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/FairMarketValueOfAssetAmt012278823
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/FairMarketValueOfAssetAmt151135698
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/FairMarketValueOfAssetAmt23464078
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/FairMarketValueOfAssetAmt3440801
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/FairMarketValueOfAssetAmt41141792
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/IRCSectionTxt0501(C)(14)
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/IRCSectionTxt1501(C)(14)
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/IRCSectionTxt2501(C)(14)
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/IRCSectionTxt3501(C)(14)
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/IRCSectionTxt4501(C)(14)
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/MethodOfFMVDeterminationTxt0INTERNALLY PREPARED VALUATION
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/MethodOfFMVDeterminationTxt1INTERNALLY PREPARED VALUATION
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/MethodOfFMVDeterminationTxt2INTERNALLY PREPARED VALUATION
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/MethodOfFMVDeterminationTxt3INTERNALLY PREPARED VALUATION
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/MethodOfFMVDeterminationTxt4INTERNALLY PREPARED VALUATION
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/AddressLine1Txt0315 EAST FAIR STREET
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/AddressLine1Txt1315 EAST FAIR STREET
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/AddressLine1Txt2315 EAST FAIR STREET
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/AddressLine1Txt3315 EAST FAIR STREET
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/AddressLine1Txt4315 EAST FAIR STREET
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/CityNm0KAUFMAN
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/CityNm1KAUFMAN
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/CityNm2KAUFMAN
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/CityNm3KAUFMAN
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/CityNm4KAUFMAN
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/StateAbbreviationCd0TX
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/StateAbbreviationCd1TX
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/StateAbbreviationCd2TX
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/StateAbbreviationCd3TX
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/StateAbbreviationCd4TX
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/ZIPCd075142
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/ZIPCd175142
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/ZIPCd275142
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/ZIPCd375142
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/ZIPCd475142
IRS990ScheduleN/OwnerOfSuccessorInd00
IRS990ScheduleN/ReceiveCompensationInd01
IRS990ScheduleN/RequiredToNotifyAGInd01
IRS990ScheduleN/SupplementalInformationDetail/ExplanationTxt0PERSON(S) INVOLVED: CAROLYN MIZE, ALBERTO GOMEZ, ANNE GLASSCOCK, NICOLLE KOVACS, AND CHRISSY MCGAHA
IRS990ScheduleN/SupplementalInformationDetail/ExplanationTxt1EXPLANATION OF INVOLVEMENT: CAROLYN MIZE AND ALBERTO GOMEZ BECAME ASSOCIATE DIRECTORS (NON-VOTING) FOR NEIGHBORHOOD CREDIT UNION.ANNE GLASSCOCK BECAME A DIRECTOR (VOTING) FOR NEIGHBORHOOD CREDIT UNION FOUNDATION.NICOLLE KOVACS BECAME VP OF FINANCE FOR NEIGHBORHOOD CREDIT UNION.CHRISSY MCGAHA RECEIVED A LEGAL DAY BONUS PAID BY NEIGHBORHOOD CREDIT UNION AFTER 9/1/2024.
IRS990ScheduleN/SupplementalInformationDetail/FormAndLineReferenceDesc0PART I, LINE 2E:
IRS990ScheduleN/SupplementalInformationDetail/FormAndLineReferenceDesc1PART I, LINE 2E:
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0RELYON CREDIT UNION MERGED ITS ASSETS INTO NEIGHBORHOOD CREDIT UNION EFFECTIVE SEPTEMBER 1, 2024. CREDIT UNION DEPOSIT AND LENDING SERVICES FOR THE FORMER MEMBERS WILL CONTINUE UNDER NEIGHBORHOOD CREDIT UNION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1RELYON CREDIT UNION MERGED ITS ASSETS INTO NEIGHBORHOOD CREDIT UNION EFFECTIVE SEPTEMBER 1, 2024. CREDIT UNION DEPOSIT AND LENDING SERVICES FOR THE FORMER MEMBERS WILL CONTINUE UNDER NEIGHBORHOOD CREDIT UNION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2ALL ACCOUNT HOLDERS ARE REFERRED TO AS MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3A NOMINATING COMMITTEE NOMINATES INDIVIDUALS FOR MEMBERSHIP OF THE GOVERNING BODY WHO ARE ELECTED BY CREDIT UNION MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4MEMBERS OF THE CREDIT UNION HAVE THE RIGHT TO APPROVE THE GOVERNING BODY'S ELECTION AND REMOVAL OF MEMBERS OF THE GOVERNING BODY, AS WELL AS OTHER MATTERS THAT ARE SUBJECT TO THE APPROVAL OF MEMBERS OF THE CREDIT UNION AS THEY OCCUR.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5THE CFO REVIEWS FORM 990 AFTER COMPLETION AND BEFORE FILING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6ALL OFFICERS, DIRECTORS AND KEY EMPLOYEES ARE REQUIRED TO FILE AN ANNUAL CONFLICT OF INTEREST DISCLOSURE.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7CEO'S COMPENSATION IS REVIEWED AND SET BY THE CREDIT UNION'S BOARD OF DIRECTORS. OTHER OFFICERS AND KEY EMPLOYEES' COMPENSATION IS SET BY THE CEO USING MARKET DATA.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt8GOVERNING DOCUMENTS AND THE CONFLICT OF INTEREST POLICY ARE NOT MADE AVAILABLE TO THE PUBLIC. THE CREDIT UNION'S FINANCIALS ARE AVAILABLE FOR PUBLIC VIEWING ON WWW.NCUA.GOV VIA THE QUARTERLY 5300 FILING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt9OTHER PROFESSIONAL SERVICES 1,635,959.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt10OTHER 70,817. FRAUD LOSSES 47,951. EDUCATION 11,050.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt11TRANSFER OF NET ASSETS (WHICH INCLUDED MEMBER DEPOSITS) THROUGH A 13,069. MERGER INTO NEIGHBORHOOD CREDIT UNION
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PART III, LINE 3
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PART VI, SECTION A, LINE 4
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PART VI, SECTION A, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PART VI, SECTION A, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PART VI, SECTION A, LINE 7B

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