Civic Intelligence

Trans Texas Southwest Credit Union

EIN 75-1081923 • 501(c)14 • San Angelo, TX

Profile

Cooperative provider of credit union services such as savings accounts, checking accounts and loans

3401 Loop 306San Angelo, TX 76904

www.transtexas.coop

Siviq Scores

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

Liabilities / Assets

44th percentile

0.87x

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

501(c)14 • $50M-$100M nonprofits • Source year 2024

Liabilities / Revenue

25th percentile

13.50x

Higher debt load relative to revenue than 25% of similar nonprofits.

501(c)14 • $50M-$100M nonprofits • Source year 2024

Net Margin

41st percentile

8.9%

Higher net margin than 41% of similar nonprofits.

501(c)14 • $50M-$100M nonprofits • Source year 2024

Top Officer Pay

33rd percentile

$137,436

Higher top officer pay than 33% of similar nonprofits.

Top officer pay equals 4.2% of source-year revenue.

501(c)14 • $50M-$100M nonprofits • Source year 2024

Asset Growth

62nd percentile

3.2%

Faster asset growth than 62% of similar nonprofits.

501(c)14 • $50M-$100M nonprofits • Annualized from 2023 to 2024

Revenue Growth

90th percentile

24%

Faster revenue growth than 90% of similar nonprofits.

501(c)14 • $50M-$100M nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets44th percentile

Assets

Up

$50,078,506

Up $1,561,966 (+3.2%) from 2023

Liabilities

Up

$43,780,210

Up $1,272,201 (+3.0%) from 2023

Net Assets

Up

$6,298,296

Up $289,765 (+4.8%) from 2023

Operations
Liabilities / Revenue25th percentileNet Margin41st percentile

Revenue

Up

$3,243,985

Up $626,227 (+24%) from 2023

Expenses

Up

$2,954,220

Up $587,480 (+25%) from 2023

Net Income

Up

$289,765

Up $38,747 (+15%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth62nd percentile

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

$60M$40M$20M$0Assets 2010: $36,516,664Liabilities 2010: $32,968,393Net Assets 2010: $3,548,2712010Assets 2011: $37,691,449Liabilities 2011: $33,856,626Net Assets 2011: $3,834,8232011Assets 2012: $39,267,125Liabilities 2012: $35,186,463Net Assets 2012: $4,080,6622012Assets 2013: $41,724,635Liabilities 2013: $37,368,102Net Assets 2013: $4,356,5332013Assets 2014: $44,357,716Liabilities 2014: $39,696,828Net Assets 2014: $4,660,8882014Assets 2015: $45,338,829Liabilities 2015: $40,511,672Net Assets 2015: $4,827,1572015Assets 2016: $43,355,357Liabilities 2016: $38,368,426Net Assets 2016: $4,986,9312016Assets 2017: $44,383,648Liabilities 2017: $39,283,411Net Assets 2017: $5,100,2372017Assets 2018: $41,881,187Liabilities 2018: $36,650,072Net Assets 2018: $5,231,1152018Assets 2019: $42,379,196Liabilities 2019: $37,024,752Net Assets 2019: $5,354,4442019Assets 2020: $44,278,686Liabilities 2020: $38,831,056Net Assets 2020: $5,447,6302020Assets 2021: $45,180,371Liabilities 2021: $39,702,550Net Assets 2021: $5,477,8212021Assets 2022: $45,091,924Liabilities 2022: $39,334,411Net Assets 2022: $5,757,5132022Assets 2023: $48,516,540Liabilities 2023: $42,508,009Net Assets 2023: $6,008,5312023Assets 2024: $50,078,506Liabilities 2024: $43,780,210Net Assets 2024: $6,298,2962024

Highlighted filing

2024

Assets$50,078,506
Liabilities$43,780,210
Net Assets$6,298,296
Open 2024 Filing

Operations Trend

Revenue Growth90th percentile

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

$4.0M$3.0M$2.0M$1.0M$0Expenses 2010: $2,073,3442010Expenses 2011: $1,909,8702011Expenses 2012: $1,792,3322012Revenue 2013: $2,034,560Expenses 2013: $1,760,768Net Income 2013: $273,7922013Revenue 2014: $2,098,725Expenses 2014: $1,794,370Net Income 2014: $304,3552014Revenue 2015: $2,098,774Expenses 2015: $1,932,505Net Income 2015: $166,2692015Revenue 2016: $2,078,041Expenses 2016: $1,918,267Net Income 2016: $159,7742016Revenue 2017: $2,095,410Expenses 2017: $1,946,274Net Income 2017: $149,1362017Revenue 2018: $2,126,580Expenses 2018: $1,995,702Net Income 2018: $130,8782018Revenue 2019: $2,111,207Expenses 2019: $1,987,878Net Income 2019: $123,3292019Revenue 2020: $2,099,854Expenses 2020: $2,006,668Net Income 2020: $93,1862020Revenue 2021: $2,013,019Expenses 2021: $1,982,828Net Income 2021: $30,1912021Revenue 2022: $2,076,529Expenses 2022: $1,796,837Net Income 2022: $279,6922022Revenue 2023: $2,617,758Expenses 2023: $2,366,740Net Income 2023: $251,0182023Revenue 2024: $3,243,985Expenses 2024: $2,954,220Net Income 2024: $289,7652024

Highlighted filing

2024

Revenue$3,243,985
Expenses$2,954,220
Net Income$289,765
Open 2024 Filing

Filings

Most recent year

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

Open filing
Assets
$50,078,506
Liabilities
$43,780,210
Net assets
$6,298,296
Revenue
$3,243,985
Expenses
$2,954,220
Net income
$289,765
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$50.1$43.8$6.30$3.24$2.95$0.29
2023Detailed filing. Detailed filing data is available for this year.$48.5$42.5$6.01$2.62$2.37$0.25
2022Detailed filing. Detailed filing data is available for this year.$45.1$39.3$5.76$2.08$1.80$0.28
2021Detailed filing. Detailed filing data is available for this year.$45.2$39.7$5.48$2.01$1.98$0.03
2020Detailed filing. Detailed filing data is available for this year.$44.3$38.8$5.45$2.10$2.01$0.09
2019Detailed filing. Detailed filing data is available for this year.$42.4$37.0$5.35$2.11$1.99$0.12
2018Detailed filing. Detailed filing data is available for this year.$41.9$36.7$5.23$2.13$2.00$0.13
2017Detailed filing. Detailed filing data is available for this year.$44.4$39.3$5.10$2.10$1.95$0.15
2016Detailed filing. Detailed filing data is available for this year.$43.4$38.4$4.99$2.08$1.92$0.16
2015Detailed filing. Detailed filing data is available for this year.$45.3$40.5$4.83$2.10$1.93$0.17
2014Detailed filing. Detailed filing data is available for this year.$44.4$39.7$4.66$2.10$1.79$0.30
2013Detailed filing. Detailed filing data is available for this year.$41.7$37.4$4.36$2.03$1.76$0.27
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$39.3$35.2$4.08$1.79
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$37.7$33.9$3.83$1.91
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$36.5$33.0$3.55$2.07
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
May 12, 2025
Return Version
2024v5.1
Gross Receipts
$3,268,901
Mission and Program Overview

Mission

Cooperative provider of credit union services such as savings accounts, checking accounts and loans

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$36,062,085$35,795,365▼ $266,720
Savings and Temporary Cash Investments$9,003,673$10,677,338▲ $1,673,665
Rtn Earn Endowment Incm Other Fnds$6,008,531$6,298,296▲ $289,765
Land, Buildings, and Equipment, Net$1,724,360$1,680,173▼ $44,187
Cash and Non-Interest-Bearing Accounts$1,118,606$1,192,050▲ $73,444
Prepaid Expenses and Deferred Charges$84,156$88,850▲ $4,694
Accounts Receivable-$0-
Pledges and Grants Receivable-$0-
Receivable From Disqualified Prsn-$0-
Receivables From Officers Etc-$0-
Investments Other Securities-$0-
Investments Program Related-$0-
Investments in Publicly Traded Securities-$0-
Intangible Assets-$0-
Inventories for Sale or Use-$0-
Total Assets$48,516,540$50,078,506▲ $1,561,966
Other Assets Total$523,660$644,730▲ $121,070
Liabilities
Other Liabilities$42,296,190$43,492,698▲ $1,196,508
Accounts Payable and Accrued Expenses$211,819$287,512▲ $75,693
Total Liabilities$42,508,009$43,780,210▲ $1,272,201
Net Assets / Fund Balance
Total Net Assets Fund Balance$6,008,531$6,298,296▲ $289,765
Total Liabilities and Net Assets / Fund Balance$48,516,540$50,078,506▲ $1,561,966

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$1,501,034$948,235-
Other Land Buildings$89,139$396,949-
Land$90,000--
Compensation and Service Providers
Top Officer Pay33rd percentile

Employees

NameTitleFull / Part TimeBaseTotal
Toni a SudduthTreasurer/CEOFT$137,436$137,436

Board Members and Trustees

NameTitle
Vickie AlvesChairman
Faron PfeifferVice Chairman
Tony BlairBoard Member
Peggy BlackSecretary
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$2,728,309
Investment Income
$507,265
Other Revenue
$8,411
Change in Net Assets
$289,765
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$1,786,052
Salaries, Compensation, and Employee Benefits$1,168,168
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Interest---$940,219
Other Salaries and Wages---$829,752
Occupancy---$216,345
Current Officers, Directors, Trustees, and Key Employees---$132,974
Other Employee Benefits---$131,007
All Other Expenses---$84,627
Payroll Taxes---$74,435
Advertising---$68,470
Office Expenses---$64,200
Other Expenses---$49,787
Insurance---$31,843
Fees for Services Other---$25,684
Fees for Services Management---$8,975
Payment Travel Entrtnmnt Publicly Ofcl---$5,015
Total Functional Expenses$0$0$0$2,954,220
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 Disqualified Persons-$0-
Receivables from Officers, Directors, Trustees, and Key Employees-$0-
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
SHARES & CD'S39,513,398$43,492,697
Rounding$1
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
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
Yes
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 6

“All members are stockholders”

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

“The members elect the board of directors”

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

“If the members do not like the decisions of the board, they can elect new board members”

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

“The board will review the form 990 before it is filed”

Form 990, Part VI, Section B, Line 12C

“All directors are made aware of the policy.”

Form 990, Part VI, Section B, Line 15A

“The board reviews annually.”

Form 990, Part VI, Section B, Line 15B

“The board reviews annually”

Form 990, Part VI, Section C, Line 19

“The governing documents are available upon request. The financial statements are posted in the lobby.”

Filing and Contact Details

Filer

Filer Name
Trans Texas Southwest
EIN
75-1081923
Phone
3259443184
Address
3401 LOOP 306, SAN ANGELO, TX 76904

Signing Officer

Name
Toni a Sudduth
Title
Treasurer/CEO
Signed
2025-05-12
Discuss with paid preparer
Yes

Organization Details

Formed
1954
Legal Domicile
TX
Voting Board Members
5
Independent Board Members
5
Employees
21
Volunteers
4

Preparer

Firm
Ram CPA Pllc
Address
3401 W Loop 306 Ste A, San Angelo, TX 76904
Preparer
Rudolph A Munoz Jr CPA
Phone
3259442536
Raw XML Appendix363 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/ProgramServiceRevenueGrp/Desc1INTEREST ON LOANS
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IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt12428197
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt0300112
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt12428197
IRS990/ProgSrvcAccomActy2Grp/Desc0CERTIFICATES OF DEPOSIT OFFERED TO OUR MEMBERS FOR VARIOUS TERMS.
IRS990/ProgSrvcAccomActy3Grp/Desc0CONSUMER LOANS THE CREDIT UNION PROVIDES LOANS FOR AUTOS, REAL ESTATE, SHARE SECURED AND UNSECURED LOANS.
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IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1SHARES & CD'S39,513,398
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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0ALL MEMBERS ARE STOCKHOLDERS
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE MEMBERS ELECT THE BOARD OF DIRECTORS
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2IF THE MEMBERS DO NOT LIKE THE DECISIONS OF THE BOARD, THEY CAN ELECT NEW BOARD MEMBERS
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3THE BOARD WILL REVIEW THE FORM 990 BEFORE IT IS FILED
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4ALL DIRECTORS ARE MADE AWARE OF THE POLICY.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5THE BOARD REVIEWS ANNUALLY.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6THE BOARD REVIEWS ANNUALLY
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7THE GOVERNING DOCUMENTS ARE AVAILABLE UPON REQUEST. THE FINANCIAL STATEMENTS ARE POSTED IN THE LOBBY.
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 A, Line 7b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990, Part VI, Section B, Line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Form 990, Part VI, Section B, Line 12c
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Form 990, Part VI, Section B, Line 15a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6Form 990, Part VI, Section B, Line 15b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7Form 990, Part VI, Section C, Line 19
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IRS990/TotalLiabilitiesGrp/EOYAmt043780210
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IRS990/TotalReportableCompFromOrgAmt0137436
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt03235574
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt03243985
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt08411
IRS990/TotalVolunteersCnt04
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IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt050078506
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IRS990/UnrelatedBusIncmOverLimitInd0true
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt03401 LOOP 306
IRS990/USAddress/CityNm0SAN ANGELO
IRS990/USAddress/StateAbbreviationCd0TX
IRS990/USAddress/ZIPCd076904
IRS990/VotingMembersGoverningBodyCnt05
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IRS990/WebsiteAddressTxt0WWW.TRANSTEXAS.COOP
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0TONI A SUDDUTH
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0TREASURER/CEO
ReturnHeader/BusinessOfficerGrp/SignatureDt02025-05-12
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0TRANS TEXAS SOUTHWEST
ReturnHeader/Filer/BusinessName/BusinessNameLine2Txt0CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0TRAN
ReturnHeader/Filer/EIN0751081923
ReturnHeader/Filer/PhoneNum03259443184
ReturnHeader/Filer/USAddress/AddressLine1Txt03401 LOOP 306
ReturnHeader/Filer/USAddress/CityNm0SAN ANGELO
ReturnHeader/Filer/USAddress/StateAbbreviationCd0TX
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ReturnHeader/IRSResponsiblePrtyInfoCurrInd0true
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0870935049
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0RAM CPA PLLC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt03401 W Loop 306 Ste A
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0San Angelo
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0TX
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd076904
ReturnHeader/PreparerPersonGrp/PhoneNum03259442536
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0Rudolph A Munoz Jr CPA
ReturnHeader/ReturnTs02025-05-12T07:11:31-07:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02024-01-01
ReturnHeader/TaxPeriodEndDt02024-12-31
ReturnHeader/TaxYr02024

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