Civic Intelligence

Trans Texas Southwest Credit Union

990 • Fiscal year 2018 • EIN 75-1081923

Jan 01, 2018 to Dec 31, 2018 • Filed on May 15, 2019

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

54th percentile

0.88x

Higher debt load relative to assets than 54% of similar nonprofits.

2018 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2018

Liabilities / Revenue

41st percentile

17.23x

Higher debt load relative to revenue than 41% of similar nonprofits.

2018 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2018

Net Margin

26th percentile

6.2%

Higher net margin than 26% of similar nonprofits.

2018 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2018

Top Officer Pay

84th percentile

$139,082

Higher top officer pay than 84% of similar nonprofits.

Top officer pay equals 6.5% of source-year revenue.

2018 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2018

Asset Growth

5th percentile

-5.6%

Faster asset growth than 5% of similar nonprofits.

2018 filings • 501(c)14 • $25M-$50M nonprofits • Annualized from 2017 to 2018

Revenue Growth

7th percentile

1.5%

Faster revenue growth than 7% of similar nonprofits.

2018 filings • 501(c)14 • $25M-$50M nonprofits • Annualized from 2017 to 2018

Balance Sheet
Liabilities / Assets54th percentile

Assets

Down

$41,881,187

Down $2,502,461 (-5.6%) from 2017

Net Assets

Up

$5,231,115

Up $130,878 (+2.6%) from 2017

Liabilities

Down

$36,650,072

Down $2,633,339 (-6.7%) from 2017

Revenue And Expenses
Liabilities / Revenue41st percentileNet Margin26th percentile

Revenue

Up

$2,126,580

Up $31,170 (+1.5%) from 2017

Expenses

Up

$1,995,702

Up $49,428 (+2.5%) from 2017

Net Income

Down

$130,878

Down $18,258 (-12%) from 2017

Historical Trend

Balance Sheet Trend

Asset Growth5th 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

2018

Assets$41,881,187
Liabilities$36,650,072
Net Assets$5,231,115
Open 2018 Filing

Operations Trend

Revenue Growth7th 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

2018

Revenue$2,126,580
Expenses$1,995,702
Net Income$130,878
Open 2018 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2018 to Dec 31, 2018
Signed
May 15, 2019
Return Version
2018v3.1
Gross Receipts
$2,165,380
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$31,376,690$30,475,510▼ $901,180
Savings and Temporary Cash Investments$9,020,673$7,839,673▼ $1,181,000
Rtn Earn Endowment Incm Other Fnds$5,100,237$5,231,115▲ $130,878
Land, Buildings, and Equipment, Net$2,130,494$2,040,882▼ $89,612
Cash and Non-Interest-Bearing Accounts$1,233,173$911,937▼ $321,236
Prepaid Expenses and Deferred Charges$80,251$61,623▼ $18,628
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$44,383,648$41,881,187▼ $2,502,461
Other Assets Total$542,367$551,562▲ $9,195
Liabilities
Other Liabilities$39,141,844$36,549,021▼ $2,592,823
Accounts Payable and Accrued Expenses$141,567$101,051▼ $40,516
Total Liabilities$39,283,411$36,650,072▼ $2,633,339
Net Assets / Fund Balance
Total Net Assets Fund Balance$5,100,237$5,231,115▲ $130,878
Total Liabilities and Net Assets / Fund Balance$44,383,648$41,881,187▼ $2,502,461

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$1,804,323$682,898-
Other Land Buildings$146,559$294,991-
Land$90,000--
Compensation and Service Providers
Top Officer Pay84th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Toni a SudduthTreasurer/CEOFT$139,082$139,082

Board Members and Trustees

NameTitle
Vickie AlvesChairman
Faron PfeifferVice Chairman
Ld WhittonBoard Member
Peggy BlackSecretary
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$1,942,098
Investment Income
$186,747
Other Revenue
$-2,265
Change in Net Assets
$130,878
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$1,044,098
Salaries, Compensation, and Employee Benefits$951,604
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$643,493
Interest---$309,101
Current Officers, Directors, Trustees, and Key Employees---$139,082
Occupancy---$129,895
Other Employee Benefits---$108,602
Office Expenses---$105,730
All Other Expenses---$93,789
Payroll Taxes---$60,427
Advertising---$57,158
Fees for Services Other---$39,462
Other Expenses---$31,625
Insurance---$25,732
Fees for Services Management---$9,029
Travel---$5,375
Total Functional Expenses$0$0$0$1,995,702
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'S$36,549,021
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 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
2019-05-15
Discuss with paid preparer
Yes

Organization Details

Formed
1954
Legal Domicile
TX
Voting Board Members
5
Independent Board Members
5
Employees
19
Volunteers
4

Preparer

Firm
Green Fillingim & Nieto Pllc
Address
1001 SCURRY ST, BIG SPRING, TX 79720-2935
Preparer
Glenn Fillingim CPA
Phone
4322640008
Raw XML Appendix370 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/PYSalariesCompEmpBnftPaidAmt0947769
IRS990/PYTotalExpensesAmt01946274
IRS990/PYTotalRevenueAmt02095410
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IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt00
IRS990/ReconcilationRevenueExpnssAmt0130878
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IRS990/RentalIncomeOrLossGrp/RealAmt0-6184
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IRS990/ReportLandBuildingEquipmentInd0true
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IRS990/ReportOtherLiabilitiesInd0true
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IRS990/RoyaltiesGrp/TotalAmt00
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IRS990ScheduleD/BuildingsGrp/DepreciationAmt0682898
IRS990ScheduleD/BuildingsGrp/InvestmentCostOrOtherBasisAmt02487221
IRS990ScheduleD/LandGrp/BookValueAmt090000
IRS990ScheduleD/LandGrp/InvestmentCostOrOtherBasisAmt090000
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt0146559
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt0294991
IRS990ScheduleD/OtherLandBuildingsGrp/InvestmentCostOrOtherBasisAmt0441550
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt036549021
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0SHARES & CD'S
IRS990ScheduleD/TotalBookValueLandBuildingsAmt02040882
IRS990ScheduleD/TotalLiabilityAmt036549021
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
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IRS990/TaxableDistributionsInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
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IRS990/TotalAssetsEOYAmt041881187
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IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt01995702
IRS990/TotalGrossUBIAmt0-2265
IRS990/TotalLiabilitiesBOYAmt039283411
IRS990/TotalLiabilitiesEOYAmt036650072
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IRS990/TotalLiabilitiesGrp/EOYAmt036650072
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IRS990/TotalProgramServiceRevenueAmt01942098
IRS990/TotalReportableCompFromOrgAmt0139082
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt02128845
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt02126580
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt0-2265
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IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt041881187
IRS990/TravelGrp/TotalAmt05375
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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
IRS990/VotingMembersIndependentCnt05
IRS990/WebsiteAddressTxt0WWW.TRANSTEXAS.COOP
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02019-02-21 02:37:17Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0TONI A SUDDUTH
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0TREASURER/CEO
ReturnHeader/BusinessOfficerGrp/SignatureDt02019-05-15
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/PreparerFirmEIN0823818389
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0GREEN FILLINGIM & NIETO PLLC
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/ReturnTs02019-05-15T06:40:26-07:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02018-01-01
ReturnHeader/TaxPeriodEndDt02018-12-31
ReturnHeader/TaxYr02018

Document Assets

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Filings

Displayed year

2018 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$41,881,187
Liabilities
$36,650,072
Net assets
$5,231,115
Revenue
$2,126,580
Expenses
$1,995,702
Net income
$130,878
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