Civic Intelligence

Trans Texas Southwest Credit Union

990 • Fiscal year 2019 • EIN 75-1081923

Jan 01, 2019 to Dec 31, 2019 • Filed on Jun 03, 2020

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

53rd percentile

0.87x

Higher debt load relative to assets than 53% of similar nonprofits.

2019 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2019

Liabilities / Revenue

52nd percentile

17.54x

Higher debt load relative to revenue than 52% of similar nonprofits.

2019 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2019

Net Margin

26th percentile

5.8%

Higher net margin than 26% of similar nonprofits.

2019 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2019

Top Officer Pay

71st percentile

$125,434

Higher top officer pay than 71% of similar nonprofits.

Top officer pay equals 5.9% of source-year revenue.

2019 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2019

Asset Growth

44th percentile

1.2%

Faster asset growth than 44% of similar nonprofits.

2019 filings • 501(c)14 • $25M-$50M nonprofits • Annualized from 2018 to 2019

Revenue Growth

12th percentile

-0.7%

Faster revenue growth than 12% of similar nonprofits.

2019 filings • 501(c)14 • $25M-$50M nonprofits • Annualized from 2018 to 2019

Balance Sheet
Liabilities / Assets53rd percentile

Assets

Up

$42,379,196

Up $498,009 (+1.2%) from 2018

Net Assets

Up

$5,354,444

Up $123,329 (+2.4%) from 2018

Liabilities

Up

$37,024,752

Up $374,680 (+1.0%) from 2018

Revenue And Expenses
Liabilities / Revenue52nd percentileNet Margin26th percentile

Revenue

Down

$2,111,207

Down $15,373 (-0.7%) from 2018

Expenses

Down

$1,987,878

Down $7,824 (-0.4%) from 2018

Net Income

Down

$123,329

Down $7,549 (-5.8%) from 2018

Historical Trend

Balance Sheet Trend

Asset Growth44th 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

2019

Assets$42,379,196
Liabilities$37,024,752
Net Assets$5,354,444
Open 2019 Filing

Operations Trend

Revenue Growth12th 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

2019

Revenue$2,111,207
Expenses$1,987,878
Net Income$123,329
Open 2019 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2019 to Dec 31, 2019
Signed
Jun 3, 2020
Return Version
2019v5.0
Gross Receipts
$2,149,972
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$30,475,510$29,101,941▼ $1,373,569
Savings and Temporary Cash Investments$7,839,673$8,979,037▲ $1,139,364
Rtn Earn Endowment Incm Other Fnds$5,231,115$5,354,444▲ $123,329
Land, Buildings, and Equipment, Net$2,040,882$2,017,062▼ $23,820
Cash and Non-Interest-Bearing Accounts$911,937$1,585,221▲ $673,284
Prepaid Expenses and Deferred Charges$61,623$91,685▲ $30,062
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$41,881,187$42,379,196▲ $498,009
Other Assets Total$551,562$604,250▲ $52,688
Liabilities
Other Liabilities$36,549,021$36,932,519▲ $383,498
Accounts Payable and Accrued Expenses$101,051$92,233▼ $8,818
Total Liabilities$36,650,072$37,024,752▲ $374,680
Net Assets / Fund Balance
Total Net Assets Fund Balance$5,231,115$5,354,444▲ $123,329
Total Liabilities and Net Assets / Fund Balance$41,881,187$42,379,196▲ $498,009

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$1,754,887$735,020-
Other Land Buildings$172,175$341,608-
Land$90,000--
Compensation and Service Providers
Top Officer Pay71st percentile

Employees

NameTitleFull / Part TimeBaseTotal
Toni a SudduthTreasurer/CEOFT$125,434$125,434

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
$1,876,670
Investment Income
$236,612
Other Revenue
$-2,075
Change in Net Assets
$123,329
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$1,017,518
Other Expenses$970,360
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$684,081
Interest---$298,235
Other Employee Benefits---$146,338
Office Expenses---$130,513
Current Officers, Directors, Trustees, and Key Employees---$125,434
Occupancy---$122,555
All Other Expenses---$87,211
Payroll Taxes---$61,665
Fees for Services Other---$41,970
Advertising---$41,693
Other Expenses---$36,620
Fees for Services Management---$8,675
Conferences and Meetings---$2,600
Total Functional Expenses$0$0$0$1,987,878
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$36,932,519
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, 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
2020-06-03
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 & Nieto Pllc
Address
1001 SCURRY ST, BIG SPRING, TX 79720-2935
Preparer
Glenn Fillingim
Phone
4322640008
Raw XML Appendix361 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/ReconcilationRevenueExpnssAmt0123329
IRS990/RegularMonitoringEnfrcInd0true
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/RentalIncomeOrLossGrp/RealAmt0-6149
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RoyaltiesGrp/TotalAmt00
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt05231115
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt05354444
IRS990/SavingsAndTempCashInvstGrp/BOYAmt07839673
IRS990/SavingsAndTempCashInvstGrp/EOYAmt08979037
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/BuildingsGrp/BookValueAmt01754887
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0735020
IRS990ScheduleD/BuildingsGrp/InvestmentCostOrOtherBasisAmt02489907
IRS990ScheduleD/LandGrp/BookValueAmt090000
IRS990ScheduleD/LandGrp/InvestmentCostOrOtherBasisAmt090000
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt0172175
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt0341608
IRS990ScheduleD/OtherLandBuildingsGrp/InvestmentCostOrOtherBasisAmt0513783
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt036932519
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0SHARES & CD'S
IRS990ScheduleD/TotalBookValueLandBuildingsAmt02017062
IRS990ScheduleD/TotalLiabilityAmt036932519
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/SignificantNewProgramSrvcInd0false
IRS990/SubjectToExcsTaxNetInvstIncInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/SubjToTaxRmnrtnExPrchtPymtInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt041881187
IRS990/TotalAssetsEOYAmt042379196
IRS990/TotalAssetsGrp/BOYAmt041881187
IRS990/TotalAssetsGrp/EOYAmt042379196
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalContributionsAmt00
IRS990/TotalEmployeeCnt022
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt01987878
IRS990/TotalGrossUBIAmt0-2075
IRS990/TotalLiabilitiesBOYAmt036650072
IRS990/TotalLiabilitiesEOYAmt037024752
IRS990/TotalLiabilitiesGrp/BOYAmt036650072
IRS990/TotalLiabilitiesGrp/EOYAmt037024752
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt05231115
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt05354444
IRS990/TotalProgramServiceRevenueAmt01876670
IRS990/TotalReportableCompFromOrgAmt0125434
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt02113282
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt02111207
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt0-2075
IRS990/TotalVolunteersCnt04
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt041881187
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt042379196
IRS990/TravelGrp/TotalAmt00
IRS990/TypeOfOrganizationCorpInd0X
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/BuildTS02021-04-22 16:20:28Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0TONI A SUDDUTH
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0TREASURER/CEO
ReturnHeader/BusinessOfficerGrp/SignatureDt02020-06-03
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
ReturnHeader/ReturnTs02020-06-03T12:09:01-07:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02019-01-01
ReturnHeader/TaxPeriodEndDt02019-12-31
ReturnHeader/TaxYr02019

Document Assets

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Filings

Displayed year

2019 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$42,379,196
Liabilities
$37,024,752
Net assets
$5,354,444
Revenue
$2,111,207
Expenses
$1,987,878
Net income
$123,329
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