Civic Intelligence

Central Texas Teachers Credit Union

EIN 75-1058576 • 501(c)14 • Corsicana, TX

Profile

A cooperative, organized for the purpose of promoting thrift and savings among its members

PO Box 486Corsicana, TX 75151-0486

n/A

Siviq Scores

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

Liabilities / Assets

44th percentile

0.84x

Higher debt load relative to assets than 44% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Source year 2025

Liabilities / Revenue

49th percentile

15.49x

Higher debt load relative to revenue than 49% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Source year 2025

Net Margin

54th percentile

9.3%

Higher net margin than 54% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Source year 2025

Top Officer Pay

45th percentile

$76,420

Higher top officer pay than 45% of similar nonprofits.

Top officer pay equals 10.0% of source-year revenue.

501(c)14 • $10M-$25M nonprofits • Source year 2025

Asset Growth

47th percentile

-0.2%

Faster asset growth than 47% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Annualized from 2024 to 2025

Revenue Growth

23rd percentile

-1.3%

Faster revenue growth than 23% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Annualized from 2024 to 2025

Balance Sheet
Liabilities / Assets44th percentile

Assets

Down

$14,105,078

Down $585,805 (-4.0%) from 2023

Liabilities

Down

$11,954,657

Down $719,154 (-5.7%) from 2023

Net Assets

Up

$2,150,421

Up $133,349 (+6.6%) from 2023

Operations
Liabilities / Revenue49th percentileNet Margin54th percentile

Revenue

Up

$775,332

Up $105,759 (+16%) from 2023

Expenses

Up

$641,983

Up $44,231 (+7.4%) from 2023

Net Income

Up

$133,349

Up $61,528 (+86%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth47th percentile

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

$20M$15M$10M$5.0M$0Assets 2010: $13,128,001Liabilities 2010: $11,543,759Net Assets 2010: $1,584,2422010Assets 2011: $12,928,827Liabilities 2011: $11,293,991Net Assets 2011: $1,634,8362011Assets 2012: $14,272,091Liabilities 2012: $12,617,376Net Assets 2012: $1,654,7152012Assets 2013: $13,776,554Liabilities 2013: $12,127,482Net Assets 2013: $1,649,0722013Assets 2014: $13,252,893Liabilities 2014: $11,561,511Net Assets 2014: $1,691,3822014Assets 2015: $12,938,017Liabilities 2015: $11,351,684Net Assets 2015: $1,586,3332015Assets 2016: $13,242,530Liabilities 2016: $11,713,209Net Assets 2016: $1,529,3212016Assets 2017: $13,823,385Liabilities 2017: $12,309,096Net Assets 2017: $1,514,2892017Assets 2018: $13,628,745Liabilities 2018: $12,057,745Net Assets 2018: $1,571,0002018Assets 2019: $13,515,621Liabilities 2019: $11,824,021Net Assets 2019: $1,691,6002019Assets 2020: $13,790,423Liabilities 2020: $11,961,546Net Assets 2020: $1,828,8772020Assets 2021: $15,856,468Liabilities 2021: $13,916,574Net Assets 2021: $1,939,8942021Assets 2022: $15,918,200Liabilities 2022: $13,938,038Net Assets 2022: $1,980,1622022Assets 2023: $14,690,883Liabilities 2023: $12,673,811Net Assets 2023: $2,017,0722023Assets 2024: $14,105,078Liabilities 2024: $11,954,657Net Assets 2024: $2,150,4212024

Highlighted filing

2024

Assets$14,105,078
Liabilities$11,954,657
Net Assets$2,150,421
Open 2024 Filing

Operations Trend

Revenue Growth23rd percentile

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

$1.0M$500K$0-$500KExpenses 2010: $584,5282010Expenses 2011: $508,1602011Expenses 2012: $497,5552012Revenue 2013: $500,053Expenses 2013: $505,696Net Income 2013: -$5,6432013Revenue 2014: $501,715Expenses 2014: $459,405Net Income 2014: $42,3102014Revenue 2015: $452,628Expenses 2015: $557,677Net Income 2015: -$105,0492015Revenue 2016: $409,342Expenses 2016: $466,354Net Income 2016: -$57,0122016Revenue 2017: $445,677Expenses 2017: $460,709Net Income 2017: -$15,0322017Revenue 2018: $515,430Expenses 2018: $458,719Net Income 2018: $56,7112018Revenue 2019: $603,420Expenses 2019: $482,823Net Income 2019: $120,5972019Revenue 2020: $643,729Expenses 2020: $506,452Net Income 2020: $137,2772020Revenue 2021: $599,315Expenses 2021: $488,298Net Income 2021: $111,0172021Revenue 2022: $562,938Expenses 2022: $522,670Net Income 2022: $40,2682022Revenue 2023: $669,573Expenses 2023: $597,752Net Income 2023: $71,8212023Revenue 2024: $775,332Expenses 2024: $641,983Net Income 2024: $133,3492024

Highlighted filing

2024

Revenue$775,332
Expenses$641,983
Net Income$133,349
Open 2024 Filing

Filings

Most recent year

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

Open filing
Assets
$14,105,078
Liabilities
$11,954,657
Net assets
$2,150,421
Revenue
$775,332
Expenses
$641,983
Net income
$133,349
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$14.1$12.0$2.15$0.78$0.64$0.13
2023Detailed filing. Detailed filing data is available for this year.$14.7$12.7$2.02$0.67$0.60$0.07
2022Detailed filing. Detailed filing data is available for this year.$15.9$13.9$1.98$0.56$0.52$0.04
2021Detailed filing. Detailed filing data is available for this year.$15.9$13.9$1.94$0.60$0.49$0.11
2020Detailed filing. Detailed filing data is available for this year.$13.8$12.0$1.83$0.64$0.51$0.14
2019Detailed filing. Detailed filing data is available for this year.$13.5$11.8$1.69$0.60$0.48$0.12
2018Detailed filing. Detailed filing data is available for this year.$13.6$12.1$1.57$0.52$0.46$0.06
2017Detailed filing. Detailed filing data is available for this year.$13.8$12.3$1.51$0.45$0.46$0.02
2016Detailed filing. Detailed filing data is available for this year.$13.2$11.7$1.53$0.41$0.47$0.06
2015Detailed filing. Detailed filing data is available for this year.$12.9$11.4$1.59$0.45$0.56$0.11
2014Detailed filing. Detailed filing data is available for this year.$13.3$11.6$1.69$0.50$0.46$0.04
2013Detailed filing. Detailed filing data is available for this year.$13.8$12.1$1.65$0.50$0.51$0.01
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$14.3$12.6$1.65$0.50
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$12.9$11.3$1.63$0.51
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$13.1$11.5$1.58$0.58
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Apr 30, 2025
Return Version
2024v5.1
Gross Receipts
$775,332
Mission and Program Overview

Mission

A cooperative, organized for the purpose of promoting thrift and savings among its members

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$9,098,128$9,097,399▼ $729
Investments Program Related$4,809,287$3,835,392▼ $973,895
Rtn Earn Endowment Incm Other Fnds$2,017,072$2,150,421▲ $133,349
Savings and Temporary Cash Investments$433,721$783,791▲ $350,070
Receivables From Officers Etc$147,870$192,499▲ $44,629
Land, Buildings, and Equipment, Net$10,955$10,954▼ $1
Prepaid Expenses and Deferred Charges$10,577$10,432▼ $145
Cash and Non-Interest-Bearing Accounts$200$200→ $0
Total Assets$14,690,883$14,105,078▼ $585,805
Other Assets Total$180,145$174,411▼ $5,734
Liabilities
Other Liabilities$12,650,026$11,941,050▼ $708,976
Accounts Payable and Accrued Expenses$23,785$13,607▼ $10,178
Total Liabilities$12,673,811$11,954,657▼ $719,154
Net Assets / Fund Balance
Total Net Assets Fund Balance$2,017,072$2,150,421▲ $133,349
Total Liabilities and Net Assets / Fund Balance$14,690,883$14,105,078▼ $585,805

Asset Categories

AssetBook ValueDepreciationBasis
Investment Program Related Org$3,835,392--
Buildings$2,848$76,037-
Land$8,041--
Equipment$65$66,956-
Compensation and Service Providers
Top Officer Pay45th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Jim RevillPresident/CEOFT$76,420$76,420

Board Members and Trustees

NameTitle
Lori HaynieBoard Chair
Tom HerrinVice Chair
Barbara PhillipsBoard Member
Danzell LeeBoard Member
David BrewerBoard Member
Kevin StanfordBoard Member
Melissa CastilloBoard Member
Richard WashingtonBoard Member
Rick NewtonSecretary
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$652,619
Investment Income
$122,713
Other Revenue
$0
Change in Net Assets
$133,349
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$330,518
Other Expenses$311,465
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Expenses$215,568$0$0$215,568
Other Salaries and Wages$159,620$0$0$159,620
Current Officers, Directors, Trustees, and Key Employees$76,420$0$0$76,420
Other Employee Benefits$59,811$0$0$59,811
Office Expenses$23,132$0$0$23,132
Payroll Taxes$21,418$0$0$21,418
Fees for Services Legal$13,398$0$0$13,398
Pension Plan Contributions$13,249$0$0$13,249
All Other Expenses$11,882$0$0$11,882
Conferences and Meetings$11,248$0$0$11,248
Occupancy$9,065$0$0$9,065
Advertising$8,484$0$0$8,484
Insurance$8,420$0$0$8,420
Information Technology$4,464$0$0$4,464
Total Functional Expenses$641,983$0$0$641,983
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$147,870$192,499▲ $44,629
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Share Accounts$6,780,772
Certificates of Deposit$4,044,807
IRA Accounts$1,115,471
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
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
Yes
Conflict-of-interest policy
No
Audited financial statements prepared
No
Key decisions subject to board approval
Yes
Management duties delegated
No
Filing and Contact Details

Filer

Filer Name
Central Texas Teachers Credit Union
EIN
75-1058576
Phone
9038746361
Address
PO Box 486, Corsicana, TX 75151-0486

Signing Officer

Name
Jim Revill
Title
President
Phone
9038746361
Signed
2025-04-30
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Jim Revill
Formed
1956
Legal Domicile
TX
Voting Board Members
9
Independent Board Members
9
Employees
5
Volunteers
9

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

“The credit union is a coopertative financial insitution owned and controlled by its members”

Pt VI, Line 7A

“The credit union is governed by a Board of Directors which are elected by the membership”

Pt VI, Line 7B

“The credit union is governed by a Board of Directors which are elected by the membership”

Pt VI, Line 11B

“Each Board Member receives a copy of this 990 for review”

Pt VI, Line 15A

“The Board sets the salary of the CEO based on surveys and data compiled from other credit unions”

Pt VI, Line 15B

“Other salaries are set based on surveys and data compiled from other credit unions”

Pt XI

“CECL Adjustment to Undivided Earnings”

Raw XML AppendixShowing 400 of 509 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/PrincipalOfficerNm0Jim Revill
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IRS990/ProgSrvcAccomActy2Grp/Desc0The credit union provides vehicle loans. The consumer loan product line now includes efficient underwriting and flexible offerings for recreational vehicles, boats, and motorcycles.
IRS990/ProgSrvcAccomActy3Grp/Desc0The credit union provides consumer life and disability insurance in conjunction with its vehicle loans.
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IRS990ScheduleD/EquipmentGrp/DepreciationAmt066956
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IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc2Certificates of Deposit
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IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt35365
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IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt465775
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IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt62500
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt78000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt880000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt931081
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm0David Brewer
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm1Tom Herrin
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm2Danzell Lee
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm3Danzell Lee
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm4Danzell Lee
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm5Barbara Phillips
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm6Baebara Phillps
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm7Melissa Castillo
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm8Kevin Stanford
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm9Jim Revill
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt0Board

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