Civic Intelligence

Tarrant County'S Credit Union

EIN 75-1054189 • 501(c)14 • Fort Worth, TX

View Organization Page

Profile

To provide our members with the best possible financial services

200 Taylor StFort Worth, TX 76102

www.tarantcu.org

Siviq Scores

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

Liabilities / Assets

68th percentile

0.91x

Higher debt load relative to assets than 68% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Source year 2023

Liabilities / Revenue

14th percentile

11.61x

Higher debt load relative to revenue than 14% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Source year 2023

Net Margin

76th percentile

19%

Higher net margin than 76% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Source year 2023

Top Officer Pay

Score unavailable

No value available

No filing with officer rows is available for this organization yet.

Asset Growth

26th percentile

-1.0%

Faster asset growth than 26% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Annualized from 2022 to 2023

Revenue Growth

95th percentile

39%

Faster revenue growth than 95% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Annualized from 2022 to 2023

Balance Sheet
Liabilities / Assets68th percentile

Assets

Down

$117,877,545

Down $479,139 (-0.4%) from 2023

Liabilities

Down

$105,925,747

Down $1,475,740 (-1.4%) from 2023

Net Assets

Up

$11,951,798

Up $996,601 (+9.1%) from 2023

Operations
Liabilities / Revenue14th percentileNet Margin76th percentile

Revenue

Up

$9,477,657

Up $224,041 (+2.4%) from 2023

Expenses

Up

$8,612,497

Up $1,123,088 (+15%) from 2023

Net Income

Down

$865,160

Down $899,047 (-51%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth26th percentile

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

$150M$100M$50M$0Assets 2010: $60,124,887Liabilities 2010: $54,996,040Net Assets 2010: $5,128,8472010Assets 2011: $63,791,533Liabilities 2011: $58,390,747Net Assets 2011: $5,400,7862011Assets 2012: $65,670,684Liabilities 2012: $60,036,633Net Assets 2012: $5,634,0512012Assets 2013: $70,986,329Liabilities 2013: $65,043,223Net Assets 2013: $5,943,1062013Assets 2014: $73,516,220Liabilities 2014: $66,763,616Net Assets 2014: $6,752,6042014Assets 2015: $80,004,872Liabilities 2015: $72,968,705Net Assets 2015: $7,036,1672015Assets 2016: $81,393,781Liabilities 2016: $74,590,694Net Assets 2016: $6,803,0872016Assets 2017: $85,499,185Liabilities 2017: $78,332,276Net Assets 2017: $7,166,9092017Assets 2018: $86,364,561Liabilities 2018: $78,368,921Net Assets 2018: $7,995,6402018Assets 2019: $92,127,789Liabilities 2019: $83,450,140Net Assets 2019: $8,677,6492019Assets 2020: $106,334,120Liabilities 2020: $97,124,716Net Assets 2020: $9,209,4042020Assets 2021: $120,112,755Liabilities 2021: $110,603,802Net Assets 2021: $9,508,9532021Assets 2022: $119,584,304Liabilities 2022: $110,499,629Net Assets 2022: $9,084,6752022Assets 2023: $118,356,684Liabilities 2023: $107,401,487Net Assets 2023: $10,955,1972023Assets 2024: $117,877,545Liabilities 2024: $105,925,747Net Assets 2024: $11,951,7982024

Highlighted filing

2024

Assets$117,877,545
Liabilities$105,925,747
Net Assets$11,951,798
Open 2024 Filing

Operations Trend

Revenue Growth95th percentile

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

$10M$5.0M$0-$5.0MExpenses 2010: $5,084,2892010Expenses 2011: $4,832,0672011Expenses 2012: $5,129,5262012Revenue 2013: $5,490,108Expenses 2013: $5,181,053Net Income 2013: $309,0552013Revenue 2014: $5,836,382Expenses 2014: $2,468,522Net Income 2014: $3,367,8602014Revenue 2015: $5,803,696Expenses 2015: $5,520,133Net Income 2015: $283,5632015Revenue 2016: $5,864,899Expenses 2016: $6,097,979Net Income 2016: -$233,0802016Revenue 2017: $6,121,850Expenses 2017: $5,758,028Net Income 2017: $363,8222017Revenue 2018: $6,495,156Expenses 2018: $5,666,425Net Income 2018: $828,7312018Revenue 2019: $6,918,712Expenses 2019: $6,236,703Net Income 2019: $682,0092019Revenue 2020: $6,739,485Expenses 2020: $6,207,730Net Income 2020: $531,7552020Revenue 2021: $6,309,923Expenses 2021: $6,010,374Net Income 2021: $299,5492021Revenue 2022: $6,675,204Expenses 2022: $6,387,947Net Income 2022: $287,2572022Revenue 2023: $9,253,616Expenses 2023: $7,489,409Net Income 2023: $1,764,2072023Revenue 2024: $9,477,657Expenses 2024: $8,612,497Net Income 2024: $865,1602024

Highlighted filing

2024

Revenue$9,477,657
Expenses$8,612,497
Net Income$865,160
Open 2024 Filing

Filings

Most recent year

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

Open filing
Assets
$117,877,545
Liabilities
$105,925,747
Net assets
$11,951,798
Revenue
$9,477,657
Expenses
$8,612,497
Net income
$865,160
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$118$106$12.0$9.48$8.61$0.87
2023Detailed filing. Detailed filing data is available for this year.$118$107$11.0$9.25$7.49$1.76
2022Detailed filing. Detailed filing data is available for this year.$120$110$9.08$6.68$6.39$0.29
2021Detailed filing. Detailed filing data is available for this year.$120$111$9.51$6.31$6.01$0.30
2020Detailed filing. Detailed filing data is available for this year.$106$97.1$9.21$6.74$6.21$0.53
2019Detailed filing. Detailed filing data is available for this year.$92.1$83.5$8.68$6.92$6.24$0.68
2018Detailed filing. Detailed filing data is available for this year.$86.4$78.4$8.00$6.50$5.67$0.83
2017Detailed filing. Detailed filing data is available for this year.$85.5$78.3$7.17$6.12$5.76$0.36
2016Detailed filing. Detailed filing data is available for this year.$81.4$74.6$6.80$5.86$6.10$0.23
2015Detailed filing. Detailed filing data is available for this year.$80.0$73.0$7.04$5.80$5.52$0.28
2014Detailed filing. Detailed filing data is available for this year.$73.5$66.8$6.75$5.84$2.47$3.37
2013Detailed filing. Detailed filing data is available for this year.$71.0$65.0$5.94$5.49$5.18$0.31
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$65.7$60.0$5.63$5.13
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$63.8$58.4$5.40$4.83
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$60.1$55.0$5.13$5.08
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Mar 14, 2025
Return Version
2024v5.0
Gross Receipts
$9,477,657
Mission and Program Overview

Mission

To provide our members with the best possible financial services

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$95,846,299$96,163,217▲ $316,918
Savings and Temporary Cash Investments$16,015,616$13,523,916▼ $2,491,700
Rtn Earn Endowment Incm Other Fnds$10,955,197$11,951,798▲ $996,601
Accounts Receivable$26,106$1,584,508▲ $1,558,402
Cash and Non-Interest-Bearing Accounts$1,209,285$1,386,388▲ $177,103
Land, Buildings, and Equipment, Net$680,325$467,166▼ $213,159
Prepaid Expenses and Deferred Charges$273,231$429,654▲ $156,423
Receivables From Officers Etc$225,831$185,844▼ $39,987
Total Assets$118,356,684$117,877,545▼ $479,139
Other Assets Total$4,079,991$4,136,852▲ $56,861
Liabilities
Other Liabilities$105,811,980$104,396,594▼ $1,415,386
Accounts Payable and Accrued Expenses$1,589,507$1,529,153▼ $60,354
Total Liabilities$107,401,487$105,925,747▼ $1,475,740
Net Assets / Fund Balance
Total Net Assets Fund Balance$10,955,197$11,951,798▲ $996,601
Total Liabilities and Net Assets / Fund Balance$118,356,684$117,877,545▼ $479,139

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$169,513$1,404,882$1,574,395
Leasehold Improvements$297,653$1,117,510$1,415,163
Land$0--
Compensation and Service Providers
Top Officer PayScore unavailable

Employees

NameTitleFull / Part TimeBaseOtherTotal
Lily Newfarmer--$264,958$36,925$301,883
Lily NewfarmerCEOFT$279,958-$279,958
Carla Reeves--$180,171$22,420$202,591
Carla ReevesExecutive VPFT$184,856-$184,856
Karen Knight--$120,184$18,994$139,178
Karen KnightVP of ITFT$123,745-$123,745

Board Members and Trustees

NameTitle
Alan ThomasChairman
Craig MaxwellVice Chairman
Kylie GiancottiDirector
Robert CarterDirector
Tom SpencerDirector
Travis YarbroughSecretary
Judy McDonaldTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$8,845,851
Investment Income
$475,334
Other Revenue
$156,472
Change in Net Assets
$865,160

Audited Revenue Reconciliation

Revenue per Audited Statements
$9,477,657
Total Revenue per Audited Statements
$9,477,657
Total Revenue per Form 990
$9,477,657
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$4,970,086
Salaries, Compensation, and Employee Benefits$3,642,411
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$2,341,329$0$0$2,341,329
Fees for Services Other$1,001,409$0$0$1,001,409
Information Technology$867,814$0$0$867,814
Other Expenses$819,788$0$0$819,788
Current Officers, Directors, Trustees, and Key Employees$588,559$0$0$588,559
Other Employee Benefits$304,942$0$0$304,942
Occupancy$222,595$0$0$222,595
Payroll Taxes$207,313$0$0$207,313
Office Expenses$201,022$0$0$201,022
Pension Plan Contributions$200,268$0$0$200,268
Advertising$144,549$0$0$144,549
Conferences and Meetings$119,943$0$0$119,943
Depreciation Depletion$117,591$0$0$117,591
All Other Expenses$63,118$0$0$63,118
Insurance$55,726$0$0$55,726
Fees for Services Accounting$28,000$0$0$28,000
Fees for Services Legal$2,112$0$0$2,112
Total Functional Expenses$8,612,497$0$0$8,612,497

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$8,612,497
Total Expenses per Audited Statements$8,612,497
Total Expenses per Form 990$8,612,497
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 Officers, Directors, Trustees, and Key Employees$225,831$185,844▼ $39,987
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Share and Savings Accounts$104,396,594
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 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
No
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No
Filing and Contact Details

Filer

Filer Name
Tarrant County's Credit Union
EIN
75-1054189
Phone
8178841470
Address
200 Taylor St, Fort Worth, TX 76102

Signing Officer

Name
Lily Newfarmer
Title
President
Phone
8178841470
Signed
2025-03-14
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Lily Newfarmer
Formed
1955
Legal Domicile
TX
Voting Board Members
7
Independent Board Members
7
Employees
49
Volunteers
10

Preparer

Firm
Greg R Schmidt CPA
Address
26 Cypress Pt, Amarillo, TX 79124
Preparer
Greg R Schmidt
Phone
8552759297
Supplemental Narrative

Additional Explanations

Pt VI, Line 6

“Member owned credit union”

Pt VI, Line 7A

“Member owned credit union elects Board of Directors”

Pt VI, Line 8A

“All meetings are documented by written Minutes”

Pt VI, Line 10B

“Written policies and procedures are in place for all branches”

Pt VI, Line 11B

“Board reviewed Form 990 before filing”

Pt VI, Line 12C

“All employees sign handbook acknowledgement requiring compliance with the Conflict of Interest Policy”

Pt VI, Line 15A

“The Board considers industry comps in the area, and reviews accomplishments of predetermined goals before setting the salary and any related increases”

Pt XI

“CECL Adjustment posted to Undivided Earnings”

Raw XML AppendixShowing 400 of 554 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/PersonNm1Craig Maxwell
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IRS990/Form990PartVIISectionAGrp/TitleTxt2Secretary
IRS990/Form990PartVIISectionAGrp/TitleTxt3Treasurer
IRS990/Form990PartVIISectionAGrp/TitleTxt4Director
IRS990/Form990PartVIISectionAGrp/TitleTxt5Director
IRS990/Form990PartVIISectionAGrp/TitleTxt6Director
IRS990/Form990PartVIISectionAGrp/TitleTxt7CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt8Executive VP
IRS990/Form990PartVIISectionAGrp/TitleTxt9VP of IT
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IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0Lily Newfarmer
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm1Carla Reeves
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm2Karen Knight

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