Civic Intelligence

Employees Credit Union

990 • Fiscal year 2019 • EIN 75-0926100

Jan 01, 2019 to Dec 31, 2019 • Filed on Apr 16, 2020

Organization ProfileWWW.RELYONCU.ORG

View Organization Page

8989 Harry Hines BlvdDallas, TX 75354-2288

(214) 357-3328

Siviq Scores

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

Liabilities / Assets

86th percentile

0.91x

Higher debt load relative to assets than 86% of similar nonprofits.

2019 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2019

Liabilities / Revenue

40th percentile

15.95x

Higher debt load relative to revenue than 40% of similar nonprofits.

2019 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2019

Net Margin

26th percentile

6.0%

Higher net margin than 26% of similar nonprofits.

2019 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2019

Top Officer Pay

41st percentile

$136,500

Higher top officer pay than 41% of similar nonprofits.

Top officer pay equals 3.6% of source-year revenue.

2019 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2019

Asset Growth

36th percentile

1.9%

Faster asset growth than 36% of similar nonprofits.

2019 filings • 501(c)14 • $50M-$100M nonprofits • Annualized from 2018 to 2019

Revenue Growth

89th percentile

15%

Faster revenue growth than 89% of similar nonprofits.

2019 filings • 501(c)14 • $50M-$100M nonprofits • Annualized from 2018 to 2019

Balance Sheet
Liabilities / Assets86th percentile

Assets

Up

$65,832,600

Up $1,249,187 (+1.9%) from 2018

Net Assets

Up

$5,899,790

Up $224,217 (+4.0%) from 2018

Liabilities

Up

$59,932,810

Up $1,024,970 (+1.7%) from 2018

Revenue And Expenses
Liabilities / Revenue40th percentileNet Margin26th percentile

Revenue

Up

$3,756,859

Up $476,260 (+15%) from 2018

Expenses

Down

$3,532,642

Down $625,796 (-15%) from 2018

Net Income

Up

$224,217

Up $1,102,056 (+126%) from 2018

Historical Trend

Balance Sheet Trend

Asset Growth36th percentile

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

$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

2019

Assets$65,832,600
Liabilities$59,932,810
Net Assets$5,899,790
Open 2019 Filing

Operations Trend

Revenue Growth89th percentile

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

2019

Revenue$3,756,859
Expenses$3,532,642
Net Income$224,217
Open 2019 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2019 to Dec 31, 2019
Signed
Apr 16, 2020
Return Version
2019v5.1
Gross Receipts
$3,756,859
Mission and Program Overview

Mission

Cooperative provider of the credit union financial services.

The credit union is a cooperative thrift institution and is a member of the national credit union administration insurance fund. The credit union is regulated by the state of texas credit union department as well as the national credit union administration. The credit union offers products and services in four primary areas: share accounts, checking accounts, consumer loans, and real estate loans.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$45,326,913$50,711,715▲ $5,384,802
Investments Other Securities$15,424,193$10,863,061▼ $4,561,132
Rtn Earn Endowment Incm Other Fnds$5,675,573$5,899,790▲ $224,217
Land, Buildings, and Equipment, Net$2,028,931$1,938,666▼ $90,265
Cash and Non-Interest-Bearing Accounts$867,320$1,127,730▲ $260,410
Prepaid Expenses and Deferred Charges$223,246$450,798▲ $227,552
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$64,583,413$65,832,600▲ $1,249,187
Other Assets Total$712,810$740,630▲ $27,820
Liabilities
Other Liabilities$58,413,599$59,450,247▲ $1,036,648
Accounts Payable and Accrued Expenses$494,241$482,563▼ $11,678
Total Liabilities$58,907,840$59,932,810▲ $1,024,970
Net Assets / Fund Balance
Total Net Assets Fund Balance$5,675,573$5,899,790▲ $224,217
Total Liabilities and Net Assets / Fund Balance$64,583,413$65,832,600▲ $1,249,187

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$1,047,912$1,209,877-
Land$704,207--
Equipment$186,547$782,748-
Other Securities$2,643,913--
Compensation and Service Providers
Top Officer Pay41st percentile

Employees

NameTitleFull / Part TimeBaseTotal
Sarah SpoonerCEOFT$136,500$136,500
Tony LatourCOOFT$100,000$100,000

Board Members and Trustees

NameTitle
David KnopChairman
Albert GomezVice Chairman
Anne GlasscockDirector
Carolyn MizeDirector
Joseph FarrierDirector
Pamela BlevinsDirector
Pat EvansSec-treas
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$3,756,859
Investment Income
$0
Other Revenue
$0
Change in Net Assets
$224,217
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$2,074,602
Salaries, Compensation, and Employee Benefits$1,458,040
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$961,516
Office Expenses---$318,921
Current Officers, Directors, Trustees, and Key Employees---$236,500
Interest---$236,416
Occupancy---$174,429
Depreciation Depletion---$170,924
Information Technology---$168,068
Advertising---$145,472
Other Employee Benefits---$143,340
Payroll Taxes---$92,418
All Other Expenses---$76,263
Insurance---$35,414
Fees for Services Accounting---$25,725
Pension Plan Contributions---$24,266
Other Expenses---$19,053
Conferences and Meetings---$14,225
Fees for Services Legal---$6,941
Total Functional Expenses$0$0$0$3,532,642
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
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Shares$59,450,247
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
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

“The credit union has 6517 members.”

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

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

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

“A copy of the form 990 was provided to each member of the credit union's governing body for review. Questions and comments are then submitted to the ceo for further discussion with the form 990 preparer and follow up response back to the governing body for final approval.”

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 reviewed and set by the credit unions board of directors. Other key employees are set by the ceo and reviewed by the board.”

Form 990, Part VI, Section C, Line 19

“Form 990 available for inspection upon request.”

Filing and Contact Details

Filer

Filer Name
Relyon Credit Union
EIN
75-0926100
Phone
2143573328
Address
8989 HARRY HINES BLVD, DALLAS, TX 75354-2288

Signing Officer

Name
Sarah Spooner
Title
President
Phone
2143573328
Signed
2020-04-16
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Sarah Spooner
Formed
1952
Legal Domicile
TX
Voting Board Members
7
Independent Board Members
7
Employees
32
Volunteers
0

Preparer

Firm
Rc Neal Pc
Address
3208 N O CONNOR RD, IRVING, TX 75062
Preparer
Ralph C Neal
Phone
9722595757
Raw XML Appendix367 raw XML fields

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

Path#Value
IRS990/AccountantCompileOrReviewInd00
IRS990/AccountsPayableAccrExpnssGrp/BOYAmt0494241
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt0482563
IRS990/ActivitiesConductedPrtshpInd00
IRS990/ActivityOrMissionDesc0THE CREDIT UNION IS A COOPERATIVE THRIFT INSTITUTION AND IS A MEMBER OF THE NATIONAL CREDIT UNION ADMINISTRATION INSURANCE FUND. THE CREDIT UNION IS REGULATED BY THE STATE OF TEXAS CREDIT UNION DEPARTMENT AS WELL AS THE NATIONAL CREDIT UNION ADMINISTRATION. THE CREDIT UNION OFFERS PRODUCTS AND SERVICES IN FOUR PRIMARY AREAS: SHARE ACCOUNTS, CHECKING ACCOUNTS, CONSUMER LOANS, AND REAL ESTATE LOANS.
IRS990/AdvertisingGrp/TotalAmt0145472
IRS990/AllOtherExpensesGrp/TotalAmt076263
IRS990/AnnualDisclosureCoveredPrsnInd01
IRS990/BooksInCareOfDetail/BusinessName/BusinessNameLine1Txt0THE ORGANIZATION
IRS990/BooksInCareOfDetail/PhoneNum02143573328
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt08989 HARRY HINES BLVD
IRS990/BooksInCareOfDetail/USAddress/CityNm0DALLAS
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0TX
IRS990/BooksInCareOfDetail/USAddress/ZIPCd0753542288
IRS990/BusinessRlnWith35CtrlEntInd00
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IRS990/CapStkTrPrinCurrentFundsGrp/BOYAmt00
IRS990/CapStkTrPrinCurrentFundsGrp/EOYAmt00
IRS990/CashNonInterestBearingGrp/BOYAmt0867320
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IRS990/ChangeToOrgDocumentsInd00
IRS990/CntrctRcvdGreaterThan100KCnt00
IRS990/CollectionsOfArtInd00
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt0236500
IRS990/CompensationFromOtherSrcsInd00
IRS990/CompensationProcessCEOInd01
IRS990/CompensationProcessOtherInd01
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IRS990/ConflictOfInterestPolicyInd01
IRS990/ConservationEasementsInd00
IRS990/ConsolidatedAuditFinclStmtInd00
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IRS990/CYBenefitsPaidToMembersAmt00
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IRS990/CYGrantsAndSimilarPaidAmt00
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IRS990/CYOtherRevenueAmt00
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IRS990/CYTotalProfFndrsngExpnsAmt00
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IRS990/DecisionsSubjectToApprovaInd00
IRS990/DeductibleArtContributionInd00
IRS990/DeductibleNonCashContriInd00
IRS990/DelegationOfMgmtDutiesInd00
IRS990/DepreciationDepletionGrp/TotalAmt0170924
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IRS990/DescribedInSection501c3Ind00
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IRS990/DonorAdvisedFundInd00
IRS990/DonorRstrOrQuasiEndowmentsInd00
IRS990/ElectionOfBoardMembersInd01
IRS990/EmployeeCnt032
IRS990/EmploymentTaxReturnsFiledInd00
IRS990/FamilyOrBusinessRlnInd00
IRS990/FederalGrantAuditRequiredInd00
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IRS990/FeesForServicesLegalGrp/TotalAmt06941
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IRS990/ForeignFinancialAccountInd00
IRS990/ForeignOfficeInd00
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IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd2X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd3X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd4X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd5X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd6X
IRS990/Form990PartVIISectionAGrp/OfficerInd0X
IRS990/Form990PartVIISectionAGrp/OfficerInd1X
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt00
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt10
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt20
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt30
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IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt50
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt60
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt70
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt80
IRS990/Form990PartVIISectionAGrp/PersonNm0CAROLYN MIZE
IRS990/Form990PartVIISectionAGrp/PersonNm1DAVID KNOP
IRS990/Form990PartVIISectionAGrp/PersonNm2ANNE GLASSCOCK
IRS990/Form990PartVIISectionAGrp/PersonNm3ALBERT GOMEZ
IRS990/Form990PartVIISectionAGrp/PersonNm4JOSEPH FARRIER
IRS990/Form990PartVIISectionAGrp/PersonNm5PAT EVANS
IRS990/Form990PartVIISectionAGrp/PersonNm6PAMELA BLEVINS
IRS990/Form990PartVIISectionAGrp/PersonNm7TONY LATOUR
IRS990/Form990PartVIISectionAGrp/PersonNm8SARAH SPOONER
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt80
IRS990/Form990PartVIISectionAGrp/TitleTxt0DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt1CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt2DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt3VICE CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt4DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt5SEC-TREAS
IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt7COO
IRS990/Form990PartVIISectionAGrp/TitleTxt8CEO
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IRS990/FSAuditedInd00
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IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
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IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd00
IRS990/IndependentAuditFinclStmtInd00
IRS990/IndependentVotingMemberCnt07
IRS990/IndivRcvdGreaterThan100KCnt01
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartIIIInd0X
IRS990/InfoInScheduleOPartVIInd0X
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IRS990/InvestmentInJointVentureInd00
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IRS990/IRPDocumentCnt0814
IRS990/IRPDocumentW2GCnt00
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IRS990/LandBldgEquipBasisNetGrp/BOYAmt02028931
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IRS990/LoanOutstandingInd00
IRS990/LocalChaptersInd01
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0COOPERATIVE PROVIDER OF CREDIT UNION FINANCIAL SERVICES.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/NetAssetsOrFundBalancesBOYAmt05675573
IRS990/NetAssetsOrFundBalancesEOYAmt05899790
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NondeductibleContributionsInd00
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IRS990/OfficeExpensesGrp/TotalAmt0318921
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
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IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0143340
IRS990/OtherExpensesGrp/Desc0LOAN SERVICING
IRS990/OtherExpensesGrp/Desc1OUTSIDE SERVICE SUPPORT
IRS990/OtherExpensesGrp/Desc2PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/Desc3EDUCATION
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IRS990/OtherExpensesGrp/TotalAmt1276658
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IRS990/OthNotesLoansReceivableNetGrp/EOYAmt050711715
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt092418
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt024266
IRS990/PoliciesReferenceChaptersInd01
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0223246
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0450798
IRS990/PrincipalOfficerNm0SARAH SPOONER
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/BusinessCd2522100
IRS990/ProgramServiceRevenueGrp/Desc0LOAN INTEREST INCOME
IRS990/ProgramServiceRevenueGrp/Desc1MEMBER FEES AND CHARGE
IRS990/ProgramServiceRevenueGrp/Desc2INTEREST INCOME
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IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt2262465
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IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt2262465
IRS990/ProgSrvcAccomActy2Grp/Desc0CHECKING ACOUNTSTHE CREDIT UNION PROVIDES CHECKING ACCOUNTS FOR CONSUMERS WITH VARIOUS FEATURES, FROM FREE ACCOUNTS TO THOSE WITH ENHANCED BENEFITS. MOST OFFER DIVIDENDS THAT ARE PAID MONTHLY. ADDITIONALLY, THE CREDIT UNION EXTENDS THE REACH OF THESE ACCOUNTS TO ALL MEMBERS WITH FREE DEBIT CARDS, INTERNET ACCOUNT ACCESS AND FREE USE OF THE INTERNET BILL PAYER PLATFORM. 40% OF THE CREDIT UNION'S MEMBERS HAVE A CHECKING ACCOUNT.
IRS990/ProgSrvcAccomActy3Grp/Desc0CONSUMER LOANSTHE CONSUMER LOAN PRODUCT LINE INCLUDES EFFICIENT UNDERWRITING AND FLEXIBLE OFFERINGS FOR AUTOMOBILES, RECREATIONAL VEHICLES, BOATS, AND MOTORCYCLES, AS WELL AS REAL ESTATE LOANS. CONSUMER LIFE AND DISABILITY INSURANCE IS AVAILABLE ON ANY OF THESE LOAN TYPES.
IRS990/ProgSrvcAccomActyOtherGrp/Desc0TOTAL EXPENSES RELATED TO STATEMENT 1, 2, AND 3.
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt00
IRS990/PYOtherExpensesAmt02564845
IRS990/PYOtherRevenueAmt00
IRS990/PYProgramServiceRevenueAmt03280599
IRS990/PYRevenuesLessExpensesAmt0-877839
IRS990/PYSalariesCompEmpBnftPaidAmt01593593
IRS990/PYTotalExpensesAmt04158438
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt03280599
IRS990/QuidProQuoContributionsInd00
IRS990/ReconcilationRevenueExpnssAmt0224217
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd01
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt05675573
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt05899790
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt01047912
IRS990ScheduleD/BuildingsGrp/DepreciationAmt01209877
IRS990ScheduleD/BuildingsGrp/InvestmentCostOrOtherBasisAmt02257789
IRS990ScheduleD/EquipmentGrp/BookValueAmt0186547
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0782748
IRS990ScheduleD/EquipmentGrp/InvestmentCostOrOtherBasisAmt0969295
IRS990ScheduleD/LandGrp/BookValueAmt0704207
IRS990ScheduleD/LandGrp/InvestmentCostOrOtherBasisAmt0704207
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt059450247
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER SHARES
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt01296148
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt16923000
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt22643913
IRS990ScheduleD/OtherSecuritiesGrp/Desc0CATALYST CU CERT OF DEP AND MNY MKT
IRS990ScheduleD/OtherSecuritiesGrp/Desc1CERTIFICATES OF DEPOSIT
IRS990ScheduleD/OtherSecuritiesGrp/Desc2SBA
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd0C
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd1C
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd2F
IRS990ScheduleD/TotalBookValueLandBuildingsAmt01938666
IRS990ScheduleD/TotalBookValueSecuritiesAmt010863061
IRS990ScheduleD/TotalLiabilityAmt059450247
IRS990/ScheduleJRequiredInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE CREDIT UNION HAS 6517 MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1A NOMINATING COMMITTEE NOMINATES NOMINEES FOR MEMBERSHIP OF THE GOVERNING BODY WHO ARE ELECTED BY CREDIT UNION MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2A COPY OF THE FORM 990 WAS PROVIDED TO EACH MEMBER OF THE CREDIT UNION'S GOVERNING BODY FOR REVIEW. QUESTIONS AND COMMENTS ARE THEN SUBMITTED TO THE CEO FOR FURTHER DISCUSSION WITH THE FORM 990 PREPARER AND FOLLOW UP RESPONSE BACK TO THE GOVERNING BODY FOR FINAL APPROVAL.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3ALL OFFICERS, DIRECTORS AND KEY EMPLOYEES ARE REQUIRED TO FILE AN ANNUAL CONFLICT OF INTEREST DISCLOSURE.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4CEO'S COMPENSATION REVIEWED AND SET BY THE CREDIT UNIONS BOARD OF DIRECTORS. OTHER KEY EMPLOYEES ARE SET BY THE CEO AND REVIEWED BY THE BOARD.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5FORM 990 AVAILABLE FOR INSPECTION UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PART VI, SECTION A, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PART VI, SECTION A, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PART VI, SECTION B, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PART VI, SECTION B, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PART VI, SECTION B, LINE 15
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PART VI, SECTION C, LINE 19
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/SubjectToExcsTaxNetInvstIncInd00
IRS990/SubjectToProxyTaxInd00
IRS990/SubjToTaxRmnrtnExPrchtPymtInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt064583413
IRS990/TotalAssetsEOYAmt065832600
IRS990/TotalAssetsGrp/BOYAmt064583413
IRS990/TotalAssetsGrp/EOYAmt065832600
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalEmployeeCnt032
IRS990/TotalFunctionalExpensesGrp/TotalAmt03532642
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt058907840
IRS990/TotalLiabilitiesEOYAmt059932810
IRS990/TotalLiabilitiesGrp/BOYAmt058907840
IRS990/TotalLiabilitiesGrp/EOYAmt059932810
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt05675573
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt05899790
IRS990/TotalOtherCompensationAmt00
IRS990/TotalProgramServiceRevenueAmt03756859
IRS990/TotalReportableCompFromOrgAmt0236500
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt03756859
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt03756859
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt00
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt064583413
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt065832600
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd00
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt08989 HARRY HINES BLVD
IRS990/USAddress/CityNm0DALLAS
IRS990/USAddress/StateAbbreviationCd0TX
IRS990/USAddress/ZIPCd0753542288
IRS990/VotingMembersGoverningBodyCnt07
IRS990/VotingMembersIndependentCnt07
IRS990/WebsiteAddressTxt0WWW.RELYONCU.ORG
IRS990/WhistleblowerPolicyInd01
ReturnHeader/BuildTS02020-09-23 17:36:50Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0SARAH SPOONER
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT
ReturnHeader/BusinessOfficerGrp/PhoneNum02143573328
ReturnHeader/BusinessOfficerGrp/SignatureDt02020-04-16
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0RELYON CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0RELY
ReturnHeader/Filer/EIN0750926100
ReturnHeader/Filer/PhoneNum02143573328
ReturnHeader/Filer/USAddress/AddressLine1Txt08989 HARRY HINES BLVD
ReturnHeader/Filer/USAddress/CityNm0DALLAS
ReturnHeader/Filer/USAddress/StateAbbreviationCd0TX
ReturnHeader/Filer/USAddress/ZIPCd0753542288
ReturnHeader/FilingSecurityInformation/AtSubmissionCreationDeviceId0C7784F9B05B695F18FB5CCAAA9EAD330D2FDFF4E
ReturnHeader/FilingSecurityInformation/AtSubmissionFilingDeviceId0C7784F9B05B695F18FB5CCAAA9EAD330D2FDFF4E
ReturnHeader/FilingSecurityInformation/FilingLicenseTypeCd0P
ReturnHeader/FilingSecurityInformation/IPAddress/IPv4AddressTxt071.123.242.42
ReturnHeader/FilingSecurityInformation/IPDt02020-04-16
ReturnHeader/FilingSecurityInformation/IPTimezoneCd0CD
ReturnHeader/FilingSecurityInformation/IPTm015:30:47
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0752618521
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0RC NEAL PC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt03208 N O CONNOR RD
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0IRVING
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0TX
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd075062
ReturnHeader/PreparerPersonGrp/PhoneNum09722595757
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0RALPH C NEAL
ReturnHeader/ReturnTs02020-04-16T15:31:17-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02019-01-01
ReturnHeader/TaxPeriodEndDt02019-12-31
ReturnHeader/TaxYr02019

Document Assets

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Filings

Displayed year

2019 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$65,832,600
Liabilities
$59,932,810
Net assets
$5,899,790
Revenue
$3,756,859
Expenses
$3,532,642
Net income
$224,217
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