Civic Intelligence

Navarro Credit Union

EIN 75-1077418 • 501(c)14 • Corsicana, TX

Profile

Provider of Credit Union Services

317 W 3rd AVE STE BLDG BCorsicana, TX 75110
Siviq Scores

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

Liabilities / Assets

7th percentile

0.00x

Higher debt load relative to assets than 7% of similar nonprofits.

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

Liabilities / Revenue

38th percentile

0.05x

Higher debt load relative to revenue than 38% of similar nonprofits.

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

Net Margin

83rd percentile

17%

Higher net margin than 83% of similar nonprofits.

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

Top Officer Pay

50th percentile

$46,084

Higher top officer pay than 50% of similar nonprofits.

Top officer pay equals 35.9% of source-year revenue.

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

Asset Growth

45th percentile

-11%

Faster asset growth than 45% of similar nonprofits.

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

Revenue Growth

88th percentile

15%

Faster revenue growth than 88% of similar nonprofits.

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

Balance Sheet
Liabilities / Assets7th percentile

Assets

Down

$2,816,312

Down $342,402 (-11%) from 2023

Liabilities

Up

$6,297

Up $1,370 (+28%) from 2023

Net Assets

Down

$2,810,015

Down $343,772 (-11%) from 2023

Operations
Liabilities / Revenue38th percentileNet Margin83rd percentile

Revenue

Up

$128,327

Up $16,712 (+15%) from 2023

Expenses

Down

$106,457

Down $2,810 (-2.6%) from 2023

Net Income

Up

$21,870

Up $19,522 (+831%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth45th percentile

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

$4.0M$3.0M$2.0M$1.0M$0Assets 2011: $2,823,752Liabilities 2011: $8,769Net Assets 2011: $2,814,9832011Assets 2012: $3,096,221Liabilities 2012: $7,983Net Assets 2012: $3,088,2382012Assets 2013: $3,119,818Liabilities 2013: $8,014Net Assets 2013: $3,111,8042013Assets 2014: $3,089,756Liabilities 2014: $6,350Net Assets 2014: $3,083,4062014Assets 2015: $3,182,221Liabilities 2015: $5,951Net Assets 2015: $3,176,3692015Assets 2016: $3,208,532Liabilities 2016: $6,376Net Assets 2016: $3,202,1562016Assets 2017: $3,179,275Liabilities 2017: $6,118Net Assets 2017: $3,173,1572017Assets 2018: $3,096,029Liabilities 2018: $5,228Net Assets 2018: $3,090,8012018Assets 2019: $2,979,228Liabilities 2019: $4,910Net Assets 2019: $2,974,3182019Assets 2020: $3,203,063Liabilities 2020: $5,274Net Assets 2020: $3,197,7892020Assets 2021: $3,363,507Liabilities 2021: $7,841Net Assets 2021: $3,355,6662021Assets 2022: $3,302,358Liabilities 2022: $8,665Net Assets 2022: $3,293,6932022Assets 2023: $3,158,714Liabilities 2023: $4,927Net Assets 2023: $3,153,7872023Assets 2024: $2,816,312Liabilities 2024: $6,297Net Assets 2024: $2,810,0152024

Highlighted filing

2024

Assets$2,816,312
Liabilities$6,297
Net Assets$2,810,015
Open 2024 Filing

Operations Trend

Revenue Growth88th percentile

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

$200K$150K$100K$50K$0-$50KRevenue 2011: $180,203Expenses 2011: $161,992Net Income 2011: $18,2112011Revenue 2012: $163,526Expenses 2012: $143,253Net Income 2012: $20,2732012Revenue 2013: $148,340Expenses 2013: $113,842Net Income 2013: $34,4982013Revenue 2014: $137,644Expenses 2014: $117,451Net Income 2014: $20,1932014Revenue 2015: $146,499Expenses 2015: $84,804Net Income 2015: $61,6952015Revenue 2016: $141,966Expenses 2016: $68,347Net Income 2016: $73,6192016Revenue 2017: $129,878Expenses 2017: $74,321Net Income 2017: $55,5572017Revenue 2018: $128,339Expenses 2018: $93,514Net Income 2018: $34,8252018Revenue 2019: $121,067Expenses 2019: $94,752Net Income 2019: $26,3152019Revenue 2020: $110,662Expenses 2020: $101,718Net Income 2020: $8,9442020Revenue 2021: $107,061Expenses 2021: $104,466Net Income 2021: $2,5952021Revenue 2022: $87,071Expenses 2022: $105,389Net Income 2022: -$18,3182022Revenue 2023: $111,615Expenses 2023: $109,267Net Income 2023: $2,3482023Revenue 2024: $128,327Expenses 2024: $106,457Net Income 2024: $21,8702024

Highlighted filing

2024

Revenue$128,327
Expenses$106,457
Net Income$21,870
Open 2024 Filing

Filings

Most recent year

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

Open filing
Assets
$2,816,312
Liabilities
$6,297
Net assets
$2,810,015
Revenue
$128,327
Expenses
$106,457
Net income
$21,870
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$2.82$0.01$2.81$0.13$0.11$0.02
2023Detailed filing. Detailed filing data is available for this year.$3.16$0.00$3.15$0.11$0.11$0.00
2022Detailed filing. Detailed filing data is available for this year.$3.30$0.01$3.29$0.09$0.11$0.02
2021Detailed filing. Detailed filing data is available for this year.$3.36$0.01$3.36$0.11$0.10$0.00
2020Detailed filing. Detailed filing data is available for this year.$3.20$0.01$3.20$0.11$0.10$0.01
2019Summary only. Only limited summary data is available for this year.$2.98$0.00$2.97$0.12$0.09$0.03
2018Summary only. Only limited summary data is available for this year.$3.10$0.01$3.09$0.13$0.09$0.03
2017Summary only. Only limited summary data is available for this year.$3.18$0.01$3.17$0.13$0.07$0.06
2016Summary only. Only limited summary data is available for this year.$3.21$0.01$3.20$0.14$0.07$0.07
2015Summary only. Only limited summary data is available for this year.$3.18$0.01$3.18$0.15$0.08$0.06
2014Summary only. Only limited summary data is available for this year.$3.09$0.01$3.08$0.14$0.12$0.02
2013Summary only. Only limited summary data is available for this year.$3.12$0.01$3.11$0.15$0.11$0.03
2012Summary only. Only limited summary data is available for this year.$3.10$0.01$3.09$0.16$0.14$0.02
2011Summary only. Only limited summary data is available for this year.$2.82$0.01$2.81$0.18$0.16$0.02
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
May 9, 2025
Return Version
2024v5.1
Gross Receipts
$128,327
Mission and Program Overview

Mission

Provider of Credit Union Services

Provider of Credit Union Financial Services

Balance Sheet Detail
LineBeginningEndChange
Assets
Pd in Cap Srpls Land Bldg Eqp Fund$2,044,018$1,679,076▼ $364,942
Savings and Temporary Cash Investments$1,703,438$1,381,669▼ $321,769
Other Notes and Loans Receivable, Net$1,391,756$1,329,379▼ $62,377
Rtn Earn Endowment Incm Other Fnds$1,109,769$1,130,939▲ $21,170
Cash and Non-Interest-Bearing Accounts$52,798$95,079▲ $42,281
Prepaid Expenses and Deferred Charges$2,403$2,923▲ $520
Land, Buildings, and Equipment, Net$1,168$651▼ $517
Total Assets$3,158,714$2,816,312▼ $342,402
Other Assets Total$7,151$6,611▼ $540
Liabilities
Accounts Payable and Accrued Expenses$4,927$6,297▲ $1,370
Total Liabilities$4,927$6,297▲ $1,370
Net Assets / Fund Balance
Total Net Assets Fund Balance$3,153,787$2,810,015▼ $343,772
Total Liabilities and Net Assets / Fund Balance$3,158,714$2,816,312▼ $342,402

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$651$34,953-
Compensation and Service Providers
Top Officer Pay50th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Shirley L ColbertPresidentFT$46,084$46,084
Elaine JerniganPartTime Employee-$1,591$1,591

Board Members and Trustees

NameTitle
Jerry WelchBoard Chairman
Tiffany G RichardsonVice Chairman
Don ButcherDirector
Gilbert HippardDirector
Lisa EubanksDirector
Michelle OwenDirector
Jeanne MeltonSecretary
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$91,898
Investment Income
$28,197
Other Revenue
$8,232
Change in Net Assets
$21,870
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$55,094
Salaries, Compensation, and Employee Benefits$51,363
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Current Officers, Directors, Trustees, and Key Employees---$47,675
Office Expenses---$18,102
Occupancy---$9,609
Fees for Services Accounting---$9,394
Payroll Taxes---$3,688
Interest---$2,817
Other Expenses---$2,160
Total Functional Expenses$0$0$0$106,457
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
Lobbying activity
No
Subject to proxy tax
No
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Audit committee
Yes
Backup withholding compliance
No
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
No
Other officer compensation reviewed
No
Conflict-of-interest policy
No
Audited financial statements prepared
Yes
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Part VI Line 1A

“All members have one vote at annual meeting”

Part VI Line 1A

“Board of Directors have this authority.”

Part VI Line 6

“All members have one vote at annual meeting”

Part VI Line 7A

“Board of Directors has this authority.”

Part VI Line 8A

“Minutes of kept at each monthly and annual meeting”

Part VI Line 8B

“Reports are made to the governing body by the committee.”

Part VI Line 11B

“Form 990 will be provided to members upon request.”

Part VI Line 15A or B

“No other officers receive compensation”

Part VI Line 19

“Documents are made available upon request at the credit union”

Part VI Line 19

“office and at the annual meeting of members.”

Filing and Contact Details

Filer

Filer Name
Navarro Credit Union
EIN
75-1077418
In Care Of
% Shirley L Colbert
Phone
9038722291
Address
317 W 3rd AVE STE BLDG B, Corsicana, TX 75110

Signing Officer

Name
Shirley L Colbert
Title
President
Phone
9038722291
Signed
2025-05-09

Organization Details

Principal Officer
Shirley L Colbert
Formed
1953
Legal Domicile
TX
Voting Board Members
7
Independent Board Members
0
Employees
2
Volunteers
12
Raw XML Appendix342 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/PersonNm1ELAINE JERNIGAN
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IRS990/Form990PartVIISectionAGrp/TitleTxt8Director
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IRS990ScheduleD/EquipmentGrp/BookValueAmt0651
IRS990ScheduleD/EquipmentGrp/DepreciationAmt034953
IRS990ScheduleD/EquipmentGrp/InvestmentCostOrOtherBasisAmt035604
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0651
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IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0All members have one vote at annual meeting
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1Board of Directors have this authority.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2All members have one vote at annual meeting
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3Board of Directors has this authority.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4Minutes of kept at each monthly and annual meeting
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5Reports are made to the governing body by the committee.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6Form 990 will be provided to members upon request.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7No other officers receive compensation
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt8Documents are made available upon request at the credit union
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt9office and at the annual meeting of members.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Part VI Line 1a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Part VI Line 1a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Part VI Line 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Part VI Line 7a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Part VI Line 8a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Part VI Line 8b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6Part VI Line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7Part VI Line 15a or b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc8Part VI Line 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc9Part VI Line 19
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IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt0106457
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt04927
IRS990/TotalLiabilitiesEOYAmt06297
IRS990/TotalLiabilitiesGrp/BOYAmt04927
IRS990/TotalLiabilitiesGrp/EOYAmt06297
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IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt02810015
IRS990/TotalOtherCompensationAmt00
IRS990/TotalProgramServiceExpensesAmt0106457
IRS990/TotalProgramServiceRevenueAmt091898
IRS990/TotalReportableCompFromOrgAmt047675
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0128327
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0128327
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt012
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IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt02816312
IRS990/TotReportableCompRltdOrgAmt00
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IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt0317 W 3rd AVE Ste BLDG B
IRS990/USAddress/CityNm0Corsicana
IRS990/USAddress/StateAbbreviationCd0TX
IRS990/USAddress/ZIPCd075110
IRS990/VotingMembersGoverningBodyCnt07
IRS990/VotingMembersIndependentCnt00
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/PersonNm0SHIRLEY L COLBERT
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0President
ReturnHeader/BusinessOfficerGrp/PhoneNum09038722291
ReturnHeader/BusinessOfficerGrp/SignatureDt02025-05-09
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0Navarro Credit Union
ReturnHeader/Filer/BusinessNameControlTxt0NAVA
ReturnHeader/Filer/EIN0751077418
ReturnHeader/Filer/InCareOfNm0% Shirley L Colbert
ReturnHeader/Filer/PhoneNum09038722291
ReturnHeader/Filer/USAddress/AddressLine1Txt0317 W 3rd AVE STE BLDG B
ReturnHeader/Filer/USAddress/CityNm0Corsicana
ReturnHeader/Filer/USAddress/StateAbbreviationCd0TX
ReturnHeader/Filer/USAddress/ZIPCd075110
ReturnHeader/IRSResponsiblePrtyInfoCurrInd0true
ReturnHeader/ReturnTs02025-05-09T13:42:35-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02024-01-01
ReturnHeader/TaxPeriodEndDt02024-12-31
ReturnHeader/TaxYr02024

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