Civic Intelligence

Texans Credit Union

990 • Fiscal year 2017 • EIN 75-0992590

Jan 01, 2017 to Dec 31, 2017 • Filed on Nov 15, 2018

Organization ProfileWWW.TEXANSCU.ORG

View Organization Page

777 East Campbell RdRichardson, TX 75081

(972) 348-2000

Siviq Scores

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

Liabilities / Assets

99th percentile

0.95x

Higher debt load relative to assets than 99% of similar nonprofits.

2017 filings • 501(c)14 • $1B+ nonprofits • Source year 2017

Liabilities / Revenue

93rd percentile

27.43x

Higher debt load relative to revenue than 93% of similar nonprofits.

2017 filings • 501(c)14 • $1B+ nonprofits • Source year 2017

Net Margin

98th percentile

36%

Higher net margin than 98% of similar nonprofits.

2017 filings • 501(c)14 • $1B+ nonprofits • Source year 2017

Top Officer Pay

13th percentile

$510,432

Higher top officer pay than 13% of similar nonprofits.

Top officer pay equals 0.9% of source-year revenue.

2017 filings • 501(c)14 • $1B+ nonprofits • Source year 2017

Asset Growth

12th percentile

2.9%

Faster asset growth than 12% of similar nonprofits.

2017 filings • 501(c)14 • $1B+ nonprofits • Annualized from 2016 to 2017

Revenue Growth

2nd percentile

1.8%

Faster revenue growth than 2% of similar nonprofits.

2017 filings • 501(c)14 • $1B+ nonprofits • Annualized from 2016 to 2017

Balance Sheet
Liabilities / Assets99th percentile

Assets

Up

$1,576,599,979

Up $44,585,819 (+2.9%) from 2016

Net Assets

Up

$80,223,309

Up $19,337,713 (+32%) from 2016

Liabilities

Up

$1,496,376,670

Up $25,248,106 (+1.7%) from 2016

Revenue And Expenses
Liabilities / Revenue93rd percentileNet Margin98th percentile

Revenue

Up

$54,562,487

Up $956,013 (+1.8%) from 2016

Expenses

Up

$35,005,361

Up $3,061,253 (+9.6%) from 2016

Net Income

Down

$19,557,126

Down $2,105,240 (-9.7%) from 2016

Historical Trend

Balance Sheet Trend

Asset Growth12th percentile

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

$3.0B$2.0B$1.0B$0Assets 2010: $1,588,899,179Liabilities 2010: $1,553,051,373Net Assets 2010: $35,847,8062010Assets 2011: $1,423,573,338Liabilities 2011: $1,410,129,460Net Assets 2011: $13,443,8782011Assets 2012: $1,439,440,267Liabilities 2012: $1,398,804,122Net Assets 2012: $40,636,1452012Assets 2013: $1,439,440,267Liabilities 2013: $1,398,804,122Net Assets 2013: $40,636,1452013Assets 2014: $1,415,315,755Liabilities 2014: $1,352,151,218Net Assets 2014: $63,164,5372014Assets 2015: $1,445,267,462Liabilities 2015: $1,401,566,338Net Assets 2015: $43,701,1242015Assets 2016: $1,532,014,160Liabilities 2016: $1,471,128,564Net Assets 2016: $60,885,5962016Assets 2017: $1,576,599,979Liabilities 2017: $1,496,376,670Net Assets 2017: $80,223,3092017Assets 2018: $1,572,471,414Liabilities 2018: $1,470,374,110Net Assets 2018: $102,097,3042018Assets 2019: $1,606,022,803Liabilities 2019: $1,468,954,127Net Assets 2019: $137,068,6762019Assets 2020: $1,881,983,731Liabilities 2020: $1,721,847,127Net Assets 2020: $160,136,6042020Assets 2021: $2,114,687,717Liabilities 2021: $1,950,544,686Net Assets 2021: $164,143,0312021Assets 2022: $2,155,551,665Liabilities 2022: $2,027,157,739Net Assets 2022: $128,393,9262022Assets 2023: $2,195,933,253Liabilities 2023: $2,025,027,779Net Assets 2023: $170,905,4742023Assets 2024: $2,243,918,289Liabilities 2024: $2,038,910,445Net Assets 2024: $205,007,8442024

Highlighted filing

2017

Assets$1,576,599,979
Liabilities$1,496,376,670
Net Assets$80,223,309
Open 2017 Filing

Operations Trend

Revenue Growth2nd percentile

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

$200M$150M$100M$50M$0Expenses 2010: $136,234,9622010Expenses 2011: $178,893,0812011Expenses 2012: $44,339,7332012Revenue 2013: $0Expenses 2013: $0Net Income 2013: $02013Revenue 2014: $54,770,595Expenses 2014: $33,082,872Net Income 2014: $21,687,7232014Revenue 2015: $57,945,268Expenses 2015: $31,313,258Net Income 2015: $26,632,0102015Revenue 2016: $53,606,474Expenses 2016: $31,944,108Net Income 2016: $21,662,3662016Revenue 2017: $54,562,487Expenses 2017: $35,005,361Net Income 2017: $19,557,1262017Revenue 2018: $60,195,306Expenses 2018: $34,978,264Net Income 2018: $25,217,0422018Revenue 2019: $61,592,504Expenses 2019: $36,349,197Net Income 2019: $25,243,3072019Revenue 2020: $52,798,769Expenses 2020: $37,129,901Net Income 2020: $15,668,8682020Revenue 2021: $56,103,692Expenses 2021: $40,157,461Net Income 2021: $15,946,2312021Revenue 2022: $76,501,082Expenses 2022: $50,324,677Net Income 2022: $26,176,4052022Revenue 2023: $98,558,127Expenses 2023: $74,644,234Net Income 2023: $23,913,8932023Revenue 2024: $123,635,860Expenses 2024: $102,712,885Net Income 2024: $20,922,9752024

Highlighted filing

2017

Revenue$54,562,487
Expenses$35,005,361
Net Income$19,557,126
Open 2017 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2017 to Dec 31, 2017
Signed
Nov 15, 2018
Return Version
2017v2.3
Gross Receipts
$54,562,487
Mission and Program Overview

Mission

Texans credit union is a state chartered credit union formed under the state credit union law and the credit union is member-owned cooperative that provides traditional deposit and loan products, as well as other financial services to the membership. The credit unions focus is to improve the economic well-being of our members/owners.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$721,552,062$863,290,846▲ $141,738,784
Investments in Publicly Traded Securities$676,445,822$583,159,397▼ $93,286,425
Rtn Earn Endowment Incm Other Fnds$60,885,596$80,223,309▲ $19,337,713
Savings and Temporary Cash Investments$75,535,119$69,511,066▼ $6,024,053
Land, Buildings, and Equipment, Net$25,445,583$24,928,767▼ $516,816
Cash and Non-Interest-Bearing Accounts$8,059,160$9,142,723▲ $1,083,563
Investments Other Securities$800,000$1,459,610▲ $659,610
Total Assets$1,532,014,160$1,576,599,979▲ $44,585,819
Other Assets Total$24,176,414$25,107,570▲ $931,156
Liabilities
Other Liabilities$1,453,213,973$1,479,122,766▲ $25,908,793
Accounts Payable and Accrued Expenses$17,914,591$17,253,904▼ $660,687
Total Liabilities$1,471,128,564$1,496,376,670▲ $25,248,106
Net Assets / Fund Balance
Total Net Assets Fund Balance$60,885,596$80,223,309▲ $19,337,713
Total Liabilities and Net Assets / Fund Balance$1,532,014,160$1,576,599,979▲ $44,585,819

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$16,629,785$7,175,789$23,805,574
Equipment$1,927,309$21,107,935$23,035,244
Land$6,345,992-$6,345,992
Leasehold Improvements$25,681$3,610,972$3,636,653
Compensation and Service Providers
Top Officer Pay13th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
John Kevin DurranceCEOFT$466,380$44,052$510,432
Tanya MccorquodaleGeneral CounFT$208,924$15,076$224,000
Tanya MccorquodaleGeneral Counsel-$190,924$33,076$224,000
Tiffany ChisnallChief OperatFT$186,827$14,538$201,365
Tiffany ChisnallChief Operations Off-$176,535$24,830$201,365
Scott VickCFOFT$183,446$15,342$198,788
Steve ErpChief LendinFT$183,357$14,538$197,895
Steve ErpChief Lending Office-$173,079$24,816$197,895
Charlotte MorrisonCIOFT$177,024-$177,024
Martin CaplingerDirector ofFT$139,000-$139,000
Kristin JonesDirector ofFT$130,000-$130,000
Tracy MontezControllerFT$125,000-$125,000
Wendell RitchieInformationFT$113,505-$113,505

Board Members and Trustees

NameTitle
Consolver GeorgeChairman
Lee Edward FawcettVice-chairma
Arts JergenBod
Martinez EstellaSecretary
Boedecker ThomasTreasurer

Highest Paid Contractors

ContractorServicesLocationCompensation
FiservDebit Card ProcPO BOX 99924, Grapevine, TX 76099-9724$2,609,193
Digital InsightHome BankingPO BOX 731428, Loss Angeles, CA 90074-0641$985,188
General DatatechEquip Maint.PO BOX 650002, Dallas, TX 75265$662,082
US RiskCompany InsurPO BOX 610048, Dallas, TX 75261-0048$658,250
Lanerva LtdStmt Processing112 WRANGLER DR SUITE 150, Coppell, TX 75019$569,667
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$43,555,579
Investment Income
$11,006,908
Other Revenue
$0
Change in Net Assets
$19,557,126
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$16,942,283
Salaries, Compensation, and Employee Benefits$16,653,451
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$11,784,684
Office Expenses---$3,776,222
Occupancy---$3,767,202
Other Employee Benefits---$1,735,423
Benefits to Members---$1,409,627
Current Officers, Directors, Trustees, and Key Employees---$1,332,480
Payroll Taxes---$997,214
Pension Plan Contributions---$803,650
Other Expenses---$444,685
Advertising---$420,695
Fees for Services Management---$203,104
Fees for Services Accounting---$145,851
Fees for Services Legal---$119,184
All Other Expenses---$112,650
Conferences and Meetings---$71,584
Total Functional Expenses$0$0$0$35,005,361
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$1,479,122,766
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
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
Yes
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

Form 990, Page 6, Part VI, Line 6

“Yes, the credit union has members which can join the credit union if they meet the "field of membership" requirements, and choose to join.”

Form 990, Page 6, Part VI, Line 7A

“Members of the credit union have the right to elect one or more members of the organization's governing body, whether periodically, as vacancies arise, or otherwise.”

Form 990, Page 6, Part VI, 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, Page 6, Part VI, Line 11B

“The completed form will be reviewed by the tcu ceo.”

Form 990, Page 6, Part VI, Line 12C

“The employees of the organization are required to review and acknowledge the review of the policies when hired into the organization. Quarterly communications are sent to employees notifying them of any changes to the policy. The credit union also provides an anonymous repoting hot-line which is maintained by a third party and results are provided to the internal audit function.”

Form 990, Page 6, Part VI, Line 15A

“The director of hr provides comparative data to the compensation committee on an annual basis. The comp committee which is made up of 3 members of the board of directors previews this information annually and deliberates to make determinations regarding the performance review process and annual compensation changes of the ceo. They also, when applicable, will provide oversight and approval of any credit union officer's bonus plan.”

Form 990, Page 6, Part VI, Line 15B

“The director of hr provides comparative data to the compensation committee on an annual basis. The comp committee which is made up of 3 members of the board of directors previews this information annually and deliberates to make determinations regarding the performance review process and annual compensation changes officers and key employees. They also, when applicable, will provide oversight and approval of any credit union officer's bonus plan.”

Form 990, Page 6, Part VI, Line 19

“Governing documents that are required to be made available to the public are provided using different methods. Some are provided through posting of signs in public locations such as the lobbies of branch offices. Other governing documents/notices that require annual mailings are provided to the membership as required by mail. The website is also used to provide certain required documents. Financial statements are made available to the public upon request.”

Filing and Contact Details

Filer

Filer Name
Texans Credit Union
EIN
75-0992590
Phone
9723482000
Address
777 EAST CAMPBELL RD, RICHARDSON, TX 75081

Signing Officer

Name
John Kevin Durrance
Title
CEO
Phone
9723482000
Signed
2018-11-15
Discuss with paid preparer
Yes

Organization Details

Principal Officer
John Kevin Durrance
Formed
1953
Legal Domicile
TX
Voting Board Members
5
Independent Board Members
5
Employees
358

Preparer

Firm
Schwartz Cole and Associates LLC
Address
11776 W SAMPLE RD STE 106, CORAL SPRINGS, FL 33065-3180
Preparer
Daniel J Cole
Phone
9547551760
Supplemental Narrative

Additional Explanations

FORM 990 - ORGANIZATION'S MISSION

“Texans credit union is a state chartered credit union formed under the state credit union law and the credit union is member-owned cooperative that provides traditional deposit and loan products, as well as other financial services to the membership. The credit unions focus is to improve the economic well-being of our members/owners.”

Form 990

“Item 1, -employees are elgibile for discounts on auto loans. The discount is .5% below the apr.”

Form 990, Part XI, Line 9

“Change in other comprehensive income 206,288 change in value afs security -425,701 total -219,413”

Raw XML AppendixShowing 400 of 584 raw XML fields

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

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IRS990/Form990PartVIISectionAGrp/TitleTxt3CHIEF LENDIN
IRS990/Form990PartVIISectionAGrp/TitleTxt4DIRECTOR OF
IRS990/Form990PartVIISectionAGrp/TitleTxt5INFORMATION
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IRS990/Form990PartVIISectionAGrp/TitleTxt8SECRETARY
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IRS990/Form990PartVIISectionAGrp/TitleTxt12VICE-CHAIRMA
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IRS990/MissionDesc0TEXANS CREDIT UNION IS A STATE CHARTERED CREDIT UNION FORMED UNDER THE STATE CREDIT UNION LAW AND THE CREDIT UNION IS MEMBER-OWNED COOPERATIVE THAT PROVIDES TRADITIONAL DEPOSIT AND LOAN PRODUCTS, AS WELL AS OTHER FINANCIAL SERVICES TO THE MEMBERSHIP. THE CREDIT UNIONS FOCUS IS TO IMPROVE THE ECONOMIC WELL-BEING OF OUR MEMBERS/OWNERS.
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IRS990/ProgramServiceRevenueGrp/Desc1OTHER INCOME
IRS990/ProgramServiceRevenueGrp/Desc2SERVICE CHARGES & FEES
IRS990/ProgramServiceRevenueGrp/Desc3LOAN FEES
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IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt15792471
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IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt0563356
IRS990/ProgSrvcAccomActy2Grp/Desc0SHARES SAVINGS AND CERTIFICATES OF DEPOSITS: THE CREDIT UNION OFFERS A NUMBER OF SHARE SAVINGS ACCOUNTS, MONEY MARKET SAVINGS AND IRA SAVINGS ACCOUNTS. THESE ACCOUNTS PAY DIVIDENDS MONTHLY. OTHER TYPES OF DEPOSIT SAVINGS OFFERINGS INCLUDES CERTIFICATES OF DEPOSIT, BOTH REGULAR MEMBER CERTIFICATES AND IRA CERTIFICATES. THE CERTIFICATES PAY INTEREST ON A MONTHLY BASIS.
IRS990/ProgSrvcAccomActy3Grp/Desc0CHECKING ACCOUNTS: THE CREDIT UNION OFFERS TWO CHECKING ACCOUNT PRODUCTS. ONE ACCOUNT HAS SIMPLE WAYS TO WAIVE THE MONTHLY SERVICE CHARGE, THE OTHER OFFERS DIVIDENDS TO THOSE MEMBERS WITH HIGHER BALANCES. BOTH PRODUCTS HAVE FEATURES THAT INCLUDE FREE E-SERVICES AND ACCESS TO THOUSANDS OF ATMS.
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IRS990/PYTotalRevenueAmt053606474
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IRS990ScheduleD/TotalLiabilityAmt01479122766
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IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt47600
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IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0JOHN KEVIN DURRANCE
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm1TIFFANY CHISNALL
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm2TANYA MCCORQUODALE
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IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm4SCOTT VICK
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm5CHARLOTTE MORRISON
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IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt1CHIEF OPERATIONS OFF
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt2GENERAL COUNSEL
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt3CHIEF LENDING OFFICE
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt4CFO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt5CIO
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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0TEXANS CREDIT UNION IS A STATE CHARTERED CREDIT UNION FORMED UNDER THE STATE CREDIT UNION LAW AND THE CREDIT UNION IS MEMBER-OWNED COOPERATIVE THAT PROVIDES TRADITIONAL DEPOSIT AND LOAN PRODUCTS, AS WELL AS OTHER FINANCIAL SERVICES TO THE MEMBERSHIP. THE CREDIT UNIONS FOCUS IS TO IMPROVE THE ECONOMIC WELL-BEING OF OUR MEMBERS/OWNERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1ITEM 1, -EMPLOYEES ARE ELGIBILE FOR DISCOUNTS ON AUTO LOANS. THE DISCOUNT IS .5% BELOW THE APR.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2YES, THE CREDIT UNION HAS MEMBERS WHICH CAN JOIN THE CREDIT UNION IF THEY MEET THE "FIELD OF MEMBERSHIP" REQUIREMENTS, AND CHOOSE TO JOIN.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3MEMBERS OF THE CREDIT UNION HAVE THE RIGHT TO ELECT ONE OR MORE MEMBERS OF THE ORGANIZATION'S GOVERNING BODY, WHETHER PERIODICALLY, AS VACANCIES ARISE, OR OTHERWISE.
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.

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Filings

Displayed year

2017 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$1,576,599,979
Liabilities
$1,496,376,670
Net assets
$80,223,309
Revenue
$54,562,487
Expenses
$35,005,361
Net income
$19,557,126
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$2,244$2,039$205$124$103$20.9
2023Detailed filing. Detailed filing data is available for this year.$2,196$2,025$171$98.6$74.6$23.9
2022Detailed filing. Detailed filing data is available for this year.$2,156$2,027$128$76.5$50.3$26.2
2021Detailed filing. Detailed filing data is available for this year.$2,115$1,951$164$56.1$40.2$15.9
2020Detailed filing. Detailed filing data is available for this year.$1,882$1,722$160$52.8$37.1$15.7
2019Detailed filing. Detailed filing data is available for this year.$1,606$1,469$137$61.6$36.3$25.2
2018Detailed filing. Detailed filing data is available for this year.$1,572$1,470$102$60.2$35.0$25.2
2017Detailed filing. Detailed filing data is available for this year.$1,577$1,496$80.2$54.6$35.0$19.6
2016Detailed filing. Detailed filing data is available for this year.$1,532$1,471$60.9$53.6$31.9$21.7
2015Detailed filing. Detailed filing data is available for this year.$1,445$1,402$43.7$57.9$31.3$26.6
2014Detailed filing. Detailed filing data is available for this year.$1,415$1,352$63.2$54.8$33.1$21.7
2013Detailed filing. Detailed filing data is available for this year.$1,439$1,399$40.6$0.00$0.00$0.00
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$1,439$1,399$40.6$44.3
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$1,424$1,410$13.4$179
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$1,589$1,553$35.8$136