Civic Intelligence

Trans Texas Southwest Credit Union

990 • Fiscal year 2016 • EIN 75-1081923

Jan 01, 2016 to Dec 31, 2016 • Filed on May 15, 2017

Organization ProfileWWW.TRANSTEXAS.COOP
3401 Loop 306San Angelo, TX 76904

(325) 944-3184

Siviq Scores

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

Liabilities / Assets

57th percentile

0.88x

Higher debt load relative to assets than 57% of similar nonprofits.

2016 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2016

Liabilities / Revenue

37th percentile

18.46x

Higher debt load relative to revenue than 37% of similar nonprofits.

2016 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2016

Net Margin

48th percentile

7.7%

Higher net margin than 48% of similar nonprofits.

2016 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2016

Top Officer Pay

84th percentile

$130,366

Higher top officer pay than 84% of similar nonprofits.

Top officer pay equals 6.3% of source-year revenue.

2016 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2016

Asset Growth

2nd percentile

-4.4%

Faster asset growth than 2% of similar nonprofits.

2016 filings • 501(c)14 • $25M-$50M nonprofits • Annualized from 2015 to 2016

Revenue Growth

21st percentile

-1.0%

Faster revenue growth than 21% of similar nonprofits.

2016 filings • 501(c)14 • $25M-$50M nonprofits • Annualized from 2015 to 2016

Balance Sheet
Liabilities / Assets57th percentile

Assets

Down

$43,355,357

Down $1,983,472 (-4.4%) from 2015

Net Assets

Up

$4,986,931

Up $159,774 (+3.3%) from 2015

Liabilities

Down

$38,368,426

Down $2,143,246 (-5.3%) from 2015

Revenue And Expenses
Liabilities / Revenue37th percentileNet Margin48th percentile

Revenue

Down

$2,078,041

Down $20,733 (-1.0%) from 2015

Expenses

Down

$1,918,267

Down $14,238 (-0.7%) from 2015

Net Income

Down

$159,774

Down $6,495 (-3.9%) from 2015

Historical Trend

Balance Sheet Trend

Asset Growth2nd percentile

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

$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

2016

Assets$43,355,357
Liabilities$38,368,426
Net Assets$4,986,931
Open 2016 Filing

Operations Trend

Revenue Growth21st percentile

Revenue, expenses, and net income across loaded years, with this 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

2016

Revenue$2,078,041
Expenses$1,918,267
Net Income$159,774
Open 2016 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2016 to Dec 31, 2016
Signed
May 15, 2017
Return Version
2016v3.0
Gross Receipts
$2,123,987
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$33,525,943$32,126,882▼ $1,399,061
Savings and Temporary Cash Investments$7,659,673$7,064,673▼ $595,000
Rtn Earn Endowment Incm Other Fnds$4,827,157$4,986,931▲ $159,774
Land, Buildings, and Equipment, Net$2,285,010$2,201,045▼ $83,965
Cash and Non-Interest-Bearing Accounts$1,243,415$1,327,957▲ $84,542
Prepaid Expenses and Deferred Charges$73,533$86,735▲ $13,202
Accounts Receivable-$6,071-
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$45,338,829$43,355,357▼ $1,983,472
Other Assets Total$551,255$541,994▼ $9,261
Liabilities
Other Liabilities$40,421,631$38,299,159▼ $2,122,472
Accounts Payable and Accrued Expenses$90,041$69,267▼ $20,774
Total Liabilities$40,511,672$38,368,426▼ $2,143,246
Net Assets / Fund Balance
Total Net Assets Fund Balance$4,827,157$4,986,931▲ $159,774
Total Liabilities and Net Assets / Fund Balance$45,338,829$43,355,357▼ $1,983,472

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$1,899,566$577,383-
Other Land Buildings$211,479$212,980-
Land$90,000--
Compensation and Service Providers
Top Officer Pay84th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Toni a SudduthTreasurer/CEOFT$130,366$130,366

Board Members and Trustees

NameTitle
Barbara J GallardChairman
Vickie AlvesVice Chairman
Ld WhittonBoard Member
Faron PfeifferSecretary
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$2,011,225
Investment Income
$75,115
Other Revenue
$-8,299
Change in Net Assets
$159,774
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$966,470
Other Expenses$951,797
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$651,473
Interest---$354,684
Current Officers, Directors, Trustees, and Key Employees---$130,366
Occupancy---$125,548
Office Expenses---$120,439
Other Employee Benefits---$92,918
All Other Expenses---$63,644
Payroll Taxes---$61,884
Advertising---$40,654
Other Expenses---$32,148
Pension Plan Contributions---$29,829
Fees for Services Other---$25,410
Insurance---$21,394
Fees for Services Management---$8,662
Travel---$4,890
Total Functional Expenses$0$0$0$1,918,267
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
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'S$38,299,159
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Backup withholding compliance
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, Line 6: Explanation of Classes of Members or Shareholder

“All members are stockholders”

Form 990, Part VI, Line 7A: How Members or Shareholders Elect Governing Body

“The members elect the board of directors”

Form 990, Part VI, Line 7B: Describe Decisions of Governing Body Approval by Members or Shareholders

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

Form 990, Part VI, Line 11B: Form 990 Review Process

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

Form 990, Part VI, Line 12C: Explanation of Monitoring and Enforcement of Conflicts

“All directors are made aware of the policy.”

Form 990, Part VI, Line 15A: Compensation Review & Approval Process - CEO, Top Management

“The board reviews annually.”

Form 990, Part VI, Line 15B: Compensation Review and Approval Process for Officers and Key Employees

“The board reviews annually”

Form 990, Part VI, Line 19: Other Organization Documents Publicly Available

“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
2017-05-15
Discuss with paid preparer
Yes

Organization Details

Formed
1954
Legal Domicile
TX
Voting Board Members
5
Independent Board Members
5
Employees
22
Volunteers
4

Preparer

Firm
Green Fillingim Pc
Address
1001 SCURRY ST, BIG SPRING, TX 79720-2935
Preparer
Glenn Fillingim CPA
Phone
4322640008
Raw XML Appendix368 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/PymtTravelEntrtnmntPubOfclGrp/TotalAmt00
IRS990/PYOtherExpensesAmt01011097
IRS990/PYOtherRevenueAmt0-23998
IRS990/PYProgramServiceRevenueAmt02065596
IRS990/PYRevenuesLessExpensesAmt0166269
IRS990/PYSalariesCompEmpBnftPaidAmt0921408
IRS990/PYTotalExpensesAmt01932505
IRS990/PYTotalRevenueAmt02098774
IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt00
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt00
IRS990/ReconcilationRevenueExpnssAmt0159774
IRS990/RegularMonitoringEnfrcInd0true
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/RentalIncomeOrLossGrp/RealAmt0-14104
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RoyaltiesGrp/TotalAmt00
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt04827157
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt04986931
IRS990/SavingsAndTempCashInvstGrp/BOYAmt07659673
IRS990/SavingsAndTempCashInvstGrp/EOYAmt07064673
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/BuildingsGrp/BookValueAmt01899566
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0577383
IRS990ScheduleD/BuildingsGrp/InvestmentCostOrOtherBasisAmt02476949
IRS990ScheduleD/LandGrp/BookValueAmt090000
IRS990ScheduleD/LandGrp/InvestmentCostOrOtherBasisAmt090000
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt0211479
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt0212980
IRS990ScheduleD/OtherLandBuildingsGrp/InvestmentCostOrOtherBasisAmt0424459
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt038299159
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0SHARES & CD'S
IRS990ScheduleD/TotalBookValueLandBuildingsAmt02201045
IRS990ScheduleD/TotalLiabilityAmt038299159
IRS990/ScheduleJRequiredInd0false
IRS990/ScheduleORequiredInd0true
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, Line 6: Explanation of Classes of Members or Shareholder
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990, Part VI, Line 7a: How Members or Shareholders Elect Governing Body
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990, Part VI, Line 7b: Describe Decisions of Governing Body Approval by Members or Shareholders
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990, Part VI, Line 11b: Form 990 Review Process
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Form 990, Part VI, Line 12c: Explanation of Monitoring and Enforcement of Conflicts
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Form 990, Part VI, Line 15a: Compensation Review & Approval Process - CEO, Top Management
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6Form 990, Part VI, Line 15b: Compensation Review and Approval Process for Officers and Key Employees
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7Form 990, Part VI, Line 19: Other Organization Documents Publicly Available
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/TaxableDistributionsInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt045338829
IRS990/TotalAssetsEOYAmt043355357
IRS990/TotalAssetsGrp/BOYAmt045338829
IRS990/TotalAssetsGrp/EOYAmt043355357
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalContributionsAmt00
IRS990/TotalEmployeeCnt022
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt01918267
IRS990/TotalGrossUBIAmt0-8299
IRS990/TotalLiabilitiesBOYAmt040511672
IRS990/TotalLiabilitiesEOYAmt038368426
IRS990/TotalLiabilitiesGrp/BOYAmt040511672
IRS990/TotalLiabilitiesGrp/EOYAmt038368426
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt04827157
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt04986931
IRS990/TotalProgramServiceRevenueAmt02011225
IRS990/TotalReportableCompFromOrgAmt0130366
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt02086340
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt02078041
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt0-8299
IRS990/TotalVolunteersCnt04
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt045338829
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt043355357
IRS990/TransactionWithControlEntInd0false
IRS990/TravelGrp/TotalAmt04890
IRS990/TrnsfrExmptNonChrtblRltdOrgInd0false
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0true
IRS990/UponRequestInd0X
IRS990/VotingMembersGoverningBodyCnt05
IRS990/VotingMembersIndependentCnt05
IRS990/WebsiteAddressTxt0WWW.TRANSTEXAS.COOP
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02017-02-10 21:41:12Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0TONI A SUDDUTH
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0TREASURER/CEO
ReturnHeader/BusinessOfficerGrp/SignatureDt02017-05-15
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
ReturnHeader/Filer/USAddress/ZIPCd076904
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0GREEN FILLINGIM PC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt01001 SCURRY ST
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0BIG SPRING
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0TX
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd0797202935
ReturnHeader/PreparerPersonGrp/PhoneNum04322640008
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0Glenn Fillingim CPA
ReturnHeader/ReturnTs02017-05-15T12:56:32-07:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02016-01-01
ReturnHeader/TaxPeriodEndDt02016-12-31
ReturnHeader/TaxYr02016

Document Assets

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Filings

Displayed year

2016 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$43,355,357
Liabilities
$38,368,426
Net assets
$4,986,931
Revenue
$2,078,041
Expenses
$1,918,267
Net income
$159,774
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