Liabilities / Assets
55th percentile
Higher debt load relative to assets than 55% of similar nonprofits.
First Basin Credit Union
990 • Fiscal year 2016 • EIN 75-1084210
Siviq Scores
Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.
0.90x
Liabilities / Revenue
28th percentile
Higher debt load relative to revenue than 28% of similar nonprofits.
Net Margin
45th percentile
Higher net margin than 45% of similar nonprofits.
Top Officer Pay
93rd percentile
Higher top officer pay than 93% of similar nonprofits.
Top officer pay equals 3.2% of source-year revenue.
Asset Growth
9th percentile
Faster asset growth than 9% of similar nonprofits.
Revenue Growth
38th percentile
Faster revenue growth than 38% of similar nonprofits.
Balance Sheet
Assets
Down$203,527,316
Down $1,155,999 (-0.6%) from 2015
Net Assets
Up$20,900,865
Up $1,166,198 (+5.9%) from 2015
Liabilities
Down$182,626,451
Down $2,322,197 (-1.3%) from 2015
Revenue And Expenses
Revenue
Up$11,811,289
Up $470,328 (+4.1%) from 2015
Expenses
Up$10,700,389
Up $1,337,262 (+14%) from 2015
Net Income
Down$1,110,900
Down $866,934 (-44%) from 2015
Historical Trend
Jump To
Filing Snapshot
- Filing Period
- Jan 1, 2016 to Dec 31, 2016
- Signed
- Nov 3, 2017
- Return Version
- 2016v3.0
- Gross Receipts
- $11,811,289
Mission and Program Overview
Mission
The purpose of the credit union is to encourage thrift among members, provide credit at a fair and reasonable rate of interest and provide an opportunity to improve the member's economic condition.
Voluntary, cooperative, not-for-profit savings institution (credit union) incorporated under the provisions of the texas credit union act, for the purpose of encouraging thrift among members, providing credit at a fair and reasonable rate of interest and providing an opportunity to improve a member's economic condition.
Balance Sheet Detail
| Line | Beginning | End | Change |
|---|---|---|---|
| Assets | |||
| Other Notes and Loans Receivable, Net | $139,467,927 | $153,886,027 | ▲ $14,418,100 |
| Savings and Temporary Cash Investments | $31,361,224 | $23,781,046 | ▼ $7,580,178 |
| Rtn Earn Endowment Incm Other Fnds | $19,734,667 | $20,900,865 | ▲ $1,166,198 |
| Investments in Publicly Traded Securities | $19,927,202 | $9,982,500 | ▼ $9,944,702 |
| Land, Buildings, and Equipment, Net | $5,916,621 | $6,868,721 | ▲ $952,100 |
| Cash and Non-Interest-Bearing Accounts | $2,639,915 | $4,427,784 | ▲ $1,787,869 |
| Accounts Receivable | $780,929 | $389,345 | ▼ $391,584 |
| Prepaid Expenses and Deferred Charges | $282,477 | $302,087 | ▲ $19,610 |
| Investments Other Securities | $86,300 | $86,400 | ▲ $100 |
| Pd in Cap Srpls Land Bldg Eqp Fund | $0 | $0 | → $0 |
| Cap Stk Tr Prin Current Funds | $0 | $0 | → $0 |
| Total Assets | $204,683,315 | $203,527,316 | ▼ $1,155,999 |
| Other Assets Total | $4,220,720 | $3,803,406 | ▼ $417,314 |
| Liabilities | |||
| Other Liabilities | $182,893,963 | $180,073,148 | ▼ $2,820,815 |
| Accounts Payable and Accrued Expenses | $2,054,685 | $2,553,303 | ▲ $498,618 |
| Total Liabilities | $184,948,648 | $182,626,451 | ▼ $2,322,197 |
| Net Assets / Fund Balance | |||
| Total Net Assets Fund Balance | $19,734,667 | $20,900,865 | ▲ $1,166,198 |
| Total Liabilities and Net Assets / Fund Balance | $204,683,315 | $203,527,316 | ▼ $1,155,999 |
Asset Categories
| Asset | Book Value | Depreciation | Basis |
|---|---|---|---|
| Buildings | $3,229,194 | $1,370,708 | $4,599,902 |
| Land | $2,600,750 | - | $2,600,750 |
| Equipment | $1,029,975 | $563,112 | $1,593,087 |
| Leasehold Improvements | $8,802 | $463 | $9,265 |
Compensation and Service Providers
Employees
| Name | Title | Full / Part Time | Base | Other | Total |
|---|---|---|---|---|---|
| Shem Culpepper | CEO/board Member | FT | $274,809 | $107,228 | $382,037 |
| John Cody Kidd | VP of Lending | FT | $132,687 | $36,925 | $169,612 |
| TIM O'REILLY | VP of Marketing | FT | $128,066 | $16,871 | $144,937 |
| Julian Beseril | Chairperson | - | $5,200 | - | $5,200 |
| Rebecca Marler | Board Member | - | $5,200 | - | $5,200 |
| Samuel Gonzalez | Vice Chairperson | - | $5,200 | - | $5,200 |
| Gary Windham | Secretary/treasurer | - | $4,800 | - | $4,800 |
| Steve Compton | Board Member | - | $4,000 | - | $4,000 |
Highest Paid Contractors
| Contractor | Services | Location | Compensation |
|---|---|---|---|
| Wescom Resources Group | Technology Products And Services | 5601 E LA PALMA AVE, Anaheim, CA 92807 | $348,866 |
| Miko Media | Advertising Firm | 8200 LAMMTARRA CIRCLE, Fair Oaks Ranch, TX 78015 | $173,700 |
| At&t | Communications | P O BOX 5019, Carol Streamcarol St, IL 60197 | $170,090 |
| Lanvera Ltd | Statement Provider | 112 WRANGLER DR 150, Coppell, TX 75019 | $136,831 |
| Jack Henry & Associates | Core System Provider | PO BOX 609, Monet, MO 65708 | $106,759 |
Revenue and Support
Revenue Composition
- Contributions and Grants
- $0
- Program Service Revenue
- $11,477,953
- Investment Income
- $241,682
- Other Revenue
- $91,654
- Change in Net Assets
- $1,110,900
Audited Revenue Reconciliation
- Revenue per Audited Statements
- $11,811,289
- Revenue Not Reported on Financial Statements
- $0
- Revenue Not Reported on Form 990
- $-28,535
- Total Revenue per Audited Statements
- $11,782,754
- Total Revenue per Form 990
- $11,811,289
Expenses and Functional Allocation
Major Expense Lines
| Line Item | Amount |
|---|---|
| Other Expenses | $5,491,774 |
| Salaries, Compensation, and Employee Benefits | $5,208,615 |
| Grants and Similar Amounts Paid | $0 |
| Professional Fundraising Fees | $0 |
| Total Fundraising Expense | $0 |
Functional Expense Allocation
| Line Item | Program | Management | Fundraising | Total |
|---|---|---|---|---|
| Other Salaries and Wages | - | - | - | $3,788,152 |
| Information Technology | - | - | - | $965,293 |
| Interest | - | - | - | $712,325 |
| Other Employee Benefits | - | - | - | $676,231 |
| Office Expenses | - | - | - | $675,739 |
| Advertising | - | - | - | $535,583 |
| Current Officers, Directors, Trustees, and Key Employees | - | - | - | $406,437 |
| Depreciation Depletion | - | - | - | $369,257 |
| Payroll Taxes | - | - | - | $255,952 |
| Occupancy | - | - | - | $248,405 |
| Other Expenses | - | - | - | $183,130 |
| Pension Plan Contributions | - | - | - | $81,843 |
| All Other Expenses | - | - | - | $75,624 |
| Insurance | - | - | - | $67,861 |
| Conferences and Meetings | - | - | - | $64,405 |
| Fees for Services Other | - | - | - | $60,293 |
| Fees for Services Accounting | - | - | - | $49,500 |
| Payments to Affiliates | - | - | - | $36,066 |
| Travel | - | - | - | $2,492 |
| Total Functional Expenses | $0 | $0 | $0 | $10,700,389 |
Audited Expense Reconciliation
| Line Item | Amount |
|---|---|
| Total Expenses per Form 990 | $10,700,389 |
| Expenses per Audited Statements | $10,671,854 |
| Total Expenses per Audited Statements | $10,671,854 |
| Expenses Not Reported on Financial Statements | $28,535 |
| Other Expense Adjustments | $28,535 |
| Expenses Not Reported on Form 990 | $0 |
Fundraising, Events, and Gaming
- Fundraising activities
- No
- Gaming activities
- No
- Professional fundraiser used
- No
Fundraising and Gaming Totals
| Line Item | Amount |
|---|---|
| Professional Fundraising Fees | $0 |
Political and Lobbying Activity
- Political campaign activity
- No
- Subject to proxy tax
- No
Debt and Bond Financing
Other Reported Liabilities
| Liability | Amount |
|---|---|
| Member Shares | $180,073,148 |
Governance and Compliance
Governance Checklist
- Compiled or reviewed by an accountant
- No
- Annual disclosure for covered persons
- Yes
- Audit committee
- 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, Section A, Line 6
“The organization is a credit union, which is a not-for-profit organization. The credit union has members and these members have the right to elect the governing body of the credit union, and the members may receive a share of the organizations profits if decided upon by the governing body.”
Form 990, Part VI, Section A, Line 7A
“Each primary shareholder or member of the credit union that has $25 deposited into their regular share account is considered a member in good standing and is afforded one vote for election of the governing body.”
Form 990, Part VI, Section A, Line 7B
“Members of the credit union have the right to approve the governing body's election and removal of members of the governing body, as well as other matters that are subject to the approval of members of the credit union as they occur.”
Form 990, Part VI, Section B, Line 11B
“The board of directors of the credit union has delegated the authority to review and approve the submission of the form 990 to the president/ceo of the credit union. Once the president/ceo has approved the information reported on the form, the information is made available to the board of directors.”
Form 990, Part VI, Section B, Line 12C
“The credit union has implemented a segregation of duties to help minimize the event of a person in a position of authority benefitting financially from a decision. Policies have been written to help mitigate such occurences, and these policies are reviewed on a yearly basis by the board of directors.”
Form 990, Part VI, Section B, Line 15
“The cu uses compease that will provide payroll data for positions across the country within the credit union industry.”
Form 990, Part VI, Section C, Line 19
“The organization will allow members to review governing documents and the conflict of interest policy upon request. The financial statements are posted monthly at each branch, reviewed during the credit union's annual meeting, and disclosed in the quarterly call report which is available on the ncua's website.”
Filing and Contact Details
Filer
- Filer Name
- First Basin Credit Union
- EIN
- 75-1084210
- Phone
- 4323335600
- Address
- 2740 NORTH COUNTY ROAD WEST, ODESSA, TX 79764
Signing Officer
- Name
- Shem Culpepper
- Title
- CEO
- Phone
- 4323335600
- Signed
- 2017-11-03
- Discuss with paid preparer
- Yes
Organization Details
- Principal Officer
- Shem Culpepper
- Formed
- 1965
- Legal Domicile
- TX
- Voting Board Members
- 6
- Independent Board Members
- 5
- Employees
- 106
- Volunteers
- 5
Preparer
- Firm
- Doeren Mayhew
- Address
- 305 WEST BIG BEAVER ROAD, TROY, MI 48084
- Preparer
- Robin D Hoag CPA
- Phone
- 2482443000
Supplemental Narrative
Additional Explanations
Form 990, Part IX, Line 24E
“MISCELLANEOUS 75,624.”
FORM 990, PART XI, LINE 9:
“Reclassification adjustments for investment losses on securities 23,248.”
FORM 990, PART XII, LINE 2C:
“The credit union has a committee that assumes responsibility for the oversight of the audit of its financial statements and the selection of an independent accountant. The process has not changed from the prior year.”
Financial Statement Notes
PART IV, LINE 1B:
“As a loan servicer, the credit union receives principal payments, interest payments, tax payments and insurance payments and then remits these funds to the applicable third parties on behalf of the borrowers. Escrow funds were excluded from corporate assets on the financial statements.”
PART X, LINE 2:
“The credit union is exempt, by statute, from federal income taxes and state income tax. The credit union is a state chartered credit union described in internal revenue code section 501(c)(14).”
PART XI, LINE 2D - OTHER ADJUSTMENTS:
“Losses arising from assets acquired in liquidation of loans netted against non-interest income in audited financial statements”
PART XII, LINE 4B - OTHER ADJUSTMENTS:
“Losses arising from assets acquired in liquidation of loans netted against non-interest income in audited financial statements”
Raw XML AppendixShowing 400 of 480 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.
| Path | # | Value |
|---|---|---|
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| IRS990/AccountsPayableAccrExpnssGrp/BOYAmt | 0 | 2054685 |
| IRS990/AccountsPayableAccrExpnssGrp/EOYAmt | 0 | 2553303 |
| IRS990/AccountsReceivableGrp/BOYAmt | 0 | 780929 |
| IRS990/AccountsReceivableGrp/EOYAmt | 0 | 389345 |
| IRS990/ActivitiesConductedPrtshpInd | 0 | 0 |
| IRS990/ActivityOrMissionDesc | 0 | VOLUNTARY, COOPERATIVE, NOT-FOR-PROFIT SAVINGS INSTITUTION (CREDIT UNION) INCORPORATED UNDER THE PROVISIONS OF THE TEXAS CREDIT UNION ACT, FOR THE PURPOSE OF ENCOURAGING THRIFT AMONG MEMBERS, PROVIDING CREDIT AT A FAIR AND REASONABLE RATE OF INTEREST AND PROVIDING AN OPPORTUNITY TO IMPROVE A MEMBER'S ECONOMIC CONDITION. |
| IRS990/AdvertisingGrp/TotalAmt | 0 | 535583 |
| IRS990/AllOtherExpensesGrp/TotalAmt | 0 | 75624 |
| IRS990/AnnualDisclosureCoveredPrsnInd | 0 | 1 |
| IRS990/AuditCommitteeInd | 0 | 1 |
| IRS990/BackupWthldComplianceInd | 0 | 1 |
| IRS990/BooksInCareOfDetail/BusinessName/BusinessNameLine1Txt | 0 | ANA GONZALEZ |
| IRS990/BooksInCareOfDetail/PhoneNum | 0 | 4324386013 |
| IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt | 0 | 2740 NORTH COUNTY ROAD WEST |
| IRS990/BooksInCareOfDetail/USAddress/CityNm | 0 | ODESSA |
| IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd | 0 | TX |
| IRS990/BooksInCareOfDetail/USAddress/ZIPCd | 0 | 79764 |
| IRS990/BusinessRlnWithFamMemInd | 0 | 0 |
| IRS990/BusinessRlnWithOfficerEntInd | 0 | 0 |
| IRS990/BusinessRlnWithOrgMemInd | 0 | 0 |
| IRS990/CapStkTrPrinCurrentFundsGrp/BOYAmt | 0 | 0 |
| IRS990/CapStkTrPrinCurrentFundsGrp/EOYAmt | 0 | 0 |
| IRS990/CashNonInterestBearingGrp/BOYAmt | 0 | 2639915 |
| IRS990/CashNonInterestBearingGrp/EOYAmt | 0 | 4427784 |
| IRS990/ChangeToOrgDocumentsInd | 0 | 0 |
| IRS990/CntrctRcvdGreaterThan100KCnt | 0 | 5 |
| IRS990/CollectionsOfArtInd | 0 | 0 |
| IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt | 0 | 406437 |
| IRS990/CompensationFromOtherSrcsInd | 0 | 0 |
| IRS990/CompensationProcessCEOInd | 0 | 1 |
| IRS990/CompensationProcessOtherInd | 0 | 1 |
| IRS990/ConferencesMeetingsGrp/TotalAmt | 0 | 64405 |
| IRS990/ConflictOfInterestPolicyInd | 0 | 1 |
| IRS990/ConservationEasementsInd | 0 | 0 |
| IRS990/ConsolidatedAuditFinclStmtInd | 0 | 0 |
| IRS990/ContractorCompensationGrp/CompensationAmt | 0 | 348866 |
| IRS990/ContractorCompensationGrp/CompensationAmt | 1 | 173700 |
| IRS990/ContractorCompensationGrp/CompensationAmt | 2 | 170090 |
| IRS990/ContractorCompensationGrp/CompensationAmt | 3 | 136831 |
| IRS990/ContractorCompensationGrp/CompensationAmt | 4 | 106759 |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt | 0 | 5601 E LA PALMA AVE |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt | 1 | 8200 LAMMTARRA CIRCLE |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt | 2 | P O BOX 5019 |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt | 3 | 112 WRANGLER DR 150 |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt | 4 | PO BOX 609 |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm | 0 | ANAHEIM |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm | 1 | FAIR OAKS RANCH |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm | 2 | CAROL STREAMCAROL ST |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm | 3 | COPPELL |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm | 4 | MONET |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd | 0 | CA |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd | 1 | TX |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd | 2 | IL |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd | 3 | TX |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd | 4 | MO |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd | 0 | 92807 |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd | 1 | 78015 |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd | 2 | 60197 |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd | 3 | 75019 |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd | 4 | 65708 |
| IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt | 0 | WESCOM RESOURCES GROUP |
| IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt | 1 | MIKO MEDIA |
| IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt | 2 | AT&T |
| IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt | 3 | LANVERA LTD |
| IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt | 4 | JACK HENRY & ASSOCIATES |
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| IRS990/ContractorCompensationGrp/ServicesDesc | 1 | ADVERTISING FIRM |
| IRS990/ContractorCompensationGrp/ServicesDesc | 2 | COMMUNICATIONS |
| IRS990/ContractorCompensationGrp/ServicesDesc | 3 | STATEMENT PROVIDER |
| IRS990/ContractorCompensationGrp/ServicesDesc | 4 | CORE SYSTEM PROVIDER |
| IRS990/CreditCounselingInd | 0 | 1 |
| IRS990/CYBenefitsPaidToMembersAmt | 0 | 0 |
| IRS990/CYContributionsGrantsAmt | 0 | 0 |
| IRS990/CYGrantsAndSimilarPaidAmt | 0 | 0 |
| IRS990/CYInvestmentIncomeAmt | 0 | 241682 |
| IRS990/CYOtherExpensesAmt | 0 | 5491774 |
| IRS990/CYOtherRevenueAmt | 0 | 91654 |
| IRS990/CYProgramServiceRevenueAmt | 0 | 11477953 |
| IRS990/CYRevenuesLessExpensesAmt | 0 | 1110900 |
| IRS990/CYSalariesCompEmpBnftPaidAmt | 0 | 5208615 |
| IRS990/CYTotalExpensesAmt | 0 | 10700389 |
| IRS990/CYTotalFundraisingExpenseAmt | 0 | 0 |
| IRS990/CYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/CYTotalRevenueAmt | 0 | 11811289 |
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| IRS990/DeductibleArtContributionInd | 0 | 0 |
| IRS990/DeductibleNonCashContriInd | 0 | 0 |
| IRS990/DelegationOfMgmtDutiesInd | 0 | 0 |
| IRS990/DepreciationDepletionGrp/TotalAmt | 0 | 369257 |
| IRS990/Desc | 0 | LOANS TO MEMBERS |
| IRS990/DescribedInSection501c3Ind | 0 | 0 |
| IRS990/DisregardedEntityInd | 0 | 0 |
| IRS990/DocumentRetentionPolicyInd | 0 | 1 |
| IRS990/DonorAdvisedFundInd | 0 | 0 |
| IRS990/ElectionOfBoardMembersInd | 0 | 1 |
| IRS990/EmployeeCnt | 0 | 106 |
| IRS990/EmploymentTaxReturnsFiledInd | 0 | 1 |
| IRS990/FamilyOrBusinessRlnInd | 0 | 0 |
| IRS990/FederalGrantAuditRequiredInd | 0 | 0 |
| IRS990/FeesForServicesAccountingGrp/TotalAmt | 0 | 49500 |
| IRS990/FeesForServicesOtherGrp/TotalAmt | 0 | 60293 |
| IRS990/ForeignActivitiesInd | 0 | 0 |
| IRS990/ForeignFinancialAccountInd | 0 | 0 |
| IRS990/ForeignOfficeInd | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 0 | 40.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 1 | 0.50 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 2 | 0.50 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 3 | 0.50 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 4 | 0.50 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 5 | 0.50 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 6 | 40.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 7 | 40.00 |
| IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd | 0 | X |
| IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd | 1 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 0 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 1 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 2 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 3 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 4 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 5 | X |
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| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 0 | 55218 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 5 | 0 |
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| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 7 | 16871 |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 0 | SHEM CULPEPPER |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 1 | JULIAN BESERIL |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 2 | SAMUEL GONZALEZ |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 3 | GARY WINDHAM |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 4 | REBECCA MARLER |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 5 | STEVE COMPTON |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 6 | JOHN CODY KIDD |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 7 | TIM O'REILLY |
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| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 2 | 5200 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 3 | 4800 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 4 | 5200 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 5 | 4000 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 6 | 144120 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 7 | 128066 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 6 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 7 | 0 |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 0 | CEO/BOARD MEMBER |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 1 | CHAIRPERSON |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 2 | VICE CHAIRPERSON |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 3 | SECRETARY/TREASURER |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 4 | BOARD MEMBER |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 5 | BOARD MEMBER |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 6 | VP OF LENDING |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 7 | VP OF MARKETING |
| IRS990/Form990ProvidedToGvrnBodyInd | 0 | 1 |
| IRS990/Form990TFiledInd | 0 | 1 |
| IRS990/FormationYr | 0 | 1965 |
| IRS990/FormerOfcrEmployeesListedInd | 0 | 0 |
| IRS990/FSAuditedBasisGrp/SeparateBasisFinclStmtInd | 0 | X |
| IRS990/FSAuditedInd | 0 | 1 |
| IRS990/FundraisingActivitiesInd | 0 | 0 |
| IRS990/GamingActivitiesInd | 0 | 0 |
| IRS990/GoverningBodyVotingMembersCnt | 0 | 6 |
| IRS990/GrantsToIndividualsInd | 0 | 0 |
| IRS990/GrantsToOrganizationsInd | 0 | 0 |
| IRS990/GrantToRelatedPersonInd | 0 | 0 |
| IRS990/GrossReceiptsAmt | 0 | 11811289 |
| IRS990/GroupReturnForAffiliatesInd | 0 | 0 |
| IRS990/IncludeFIN48FootnoteInd | 0 | 1 |
| IRS990/IndependentAuditFinclStmtInd | 0 | 1 |
| IRS990/IndependentVotingMemberCnt | 0 | 5 |
| IRS990/IndivRcvdGreaterThan100KCnt | 0 | 3 |
| IRS990/IndoorTanningServicesInd | 0 | 0 |
| IRS990/InfoInScheduleOPartIXInd | 0 | X |
| IRS990/InfoInScheduleOPartVIInd | 0 | X |
| IRS990/InfoInScheduleOPartXIIInd | 0 | X |
| IRS990/InfoInScheduleOPartXIInd | 0 | X |
| IRS990/InformationTechnologyGrp/TotalAmt | 0 | 965293 |
| IRS990/InsuranceGrp/TotalAmt | 0 | 67861 |
| IRS990/InterestGrp/TotalAmt | 0 | 712325 |
| IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt | 0 | 241682 |
| IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt | 0 | 241682 |
| IRS990/InvestmentInJointVentureInd | 0 | 0 |
| IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt | 0 | 86300 |
| IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt | 0 | 86400 |
| IRS990/InvestmentsPubTradedSecGrp/BOYAmt | 0 | 19927202 |
| IRS990/InvestmentsPubTradedSecGrp/EOYAmt | 0 | 9982500 |
| IRS990/IRPDocumentCnt | 0 | 3087 |
| IRS990/IRPDocumentW2GCnt | 0 | 0 |
| IRS990/LandBldgEquipAccumDeprecAmt | 0 | 1934283 |
| IRS990/LandBldgEquipBasisNetGrp/BOYAmt | 0 | 5916621 |
| IRS990/LandBldgEquipBasisNetGrp/EOYAmt | 0 | 6868721 |
| IRS990/LandBldgEquipCostOrOtherBssAmt | 0 | 8803004 |
| IRS990/LegalDomicileStateCd | 0 | TX |
| IRS990/LoanOutstandingInd | 0 | 0 |
| IRS990/LocalChaptersInd | 0 | 0 |
| IRS990/MaterialDiversionOrMisuseInd | 0 | 0 |
| IRS990/MembersOrStockholdersInd | 0 | 1 |
| IRS990/MethodOfAccountingAccrualInd | 0 | X |
| IRS990/MinutesOfCommitteesInd | 0 | 1 |
| IRS990/MinutesOfGoverningBodyInd | 0 | 1 |
| IRS990/MissionDesc | 0 | THE PURPOSE OF THE CREDIT UNION IS TO ENCOURAGE THRIFT AMONG MEMBERS, PROVIDE CREDIT AT A FAIR AND REASONABLE RATE OF INTEREST AND PROVIDE AN OPPORTUNITY TO IMPROVE THE MEMBER'S ECONOMIC CONDITION. |
| IRS990/MoreThan5000KToIndividualsInd | 0 | 0 |
| IRS990/MoreThan5000KToOrgInd | 0 | 0 |
| IRS990/NetAssetsOrFundBalancesBOYAmt | 0 | 19734667 |
| IRS990/NetAssetsOrFundBalancesEOYAmt | 0 | 20900865 |
| IRS990/NetUnrelatedBusTxblIncmAmt | 0 | 28236 |
| IRS990/NetUnrlzdGainsLossesInvstAmt | 0 | 32050 |
| IRS990/NondeductibleContributionsInd | 0 | 0 |
| IRS990/OccupancyGrp/TotalAmt | 0 | 248405 |
| IRS990/OfficeExpensesGrp/TotalAmt | 0 | 675739 |
| IRS990/OfficerMailingAddressInd | 0 | 0 |
| IRS990/OperateHospitalInd | 0 | 0 |
| IRS990/Organization501cInd | 0 | X |
| IRS990/OrgDoesNotFollowSFAS117Ind | 0 | X |
| IRS990/OtherAssetsTotalGrp/BOYAmt | 0 | 4220720 |
| IRS990/OtherAssetsTotalGrp/EOYAmt | 0 | 3803406 |
| IRS990/OtherChangesInNetAssetsAmt | 0 | 23248 |
| IRS990/OtherEmployeeBenefitsGrp/TotalAmt | 0 | 676231 |
| IRS990/OtherExpensesGrp/Desc | 0 | PROVISION FOR LOAN LOSS |
| IRS990/OtherExpensesGrp/Desc | 1 | MAINTENANCE |
| IRS990/OtherExpensesGrp/Desc | 2 | LOAN SERVICING EXPENSES |
| IRS990/OtherExpensesGrp/Desc | 3 | TRAINING/DEVELOPMENT/ED |
| IRS990/OtherExpensesGrp/TotalAmt | 0 | 930563 |
| IRS990/OtherExpensesGrp/TotalAmt | 1 | 311869 |
| IRS990/OtherExpensesGrp/TotalAmt | 2 | 203369 |
| IRS990/OtherExpensesGrp/TotalAmt | 3 | 183130 |
| IRS990/OtherLiabilitiesGrp/BOYAmt | 0 | 182893963 |
| IRS990/OtherLiabilitiesGrp/EOYAmt | 0 | 180073148 |
| IRS990/OtherRevenueMiscGrp/BusinessCd | 0 | 525990 |
| IRS990/OtherRevenueMiscGrp/Desc | 0 | ATM INCOME |
| IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt | 0 | 91654 |
| IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt | 0 | 91654 |
| IRS990/OtherRevenueTotalAmt | 0 | 91654 |
| IRS990/OtherSalariesAndWagesGrp/TotalAmt | 0 | 3788152 |
| IRS990/OthNotesLoansReceivableNetGrp/BOYAmt | 0 | 139467927 |
| IRS990/OthNotesLoansReceivableNetGrp/EOYAmt | 0 | 153886027 |
| IRS990/PartialLiquidationInd | 0 | 0 |
| IRS990/PaymentsToAffiliatesGrp/TotalAmt | 0 | 36066 |
| IRS990/PayrollTaxesGrp/TotalAmt | 0 | 255952 |
| IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt | 0 | 0 |
| IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt | 0 | 0 |
| IRS990/PensionPlanContributionsGrp/TotalAmt | 0 | 81843 |
| IRS990/PoliticalCampaignActyInd | 0 | 0 |
| IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt | 0 | 282477 |
| IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt | 0 | 302087 |
| IRS990/PrincipalOfficerNm | 0 | SHEM CULPEPPER |
| IRS990/ProfessionalFundraisingInd | 0 | 0 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 0 | 522100 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 1 | 522100 |
| IRS990/ProgramServiceRevenueGrp/Desc | 0 | LOAN INCOME |
| IRS990/ProgramServiceRevenueGrp/Desc | 1 | FEE INCOME |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 7438505 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 1 | 4039448 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 0 | 7438505 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 1 | 4039448 |
| IRS990/ProgSrvcAccomActy2Grp/Desc | 0 | DEPOSIT ACCOUNTS |
| IRS990/ProgSrvcAccomActy3Grp/Desc | 0 | CARD SERVICES |
| IRS990/ProhibitedTaxShelterTransInd | 0 | 0 |
| IRS990/PYBenefitsPaidToMembersAmt | 0 | 0 |
| IRS990/PYContributionsGrantsAmt | 0 | 0 |
| IRS990/PYGrantsAndSimilarPaidAmt | 0 | 0 |
| IRS990/PYInvestmentIncomeAmt | 0 | 240792 |
| IRS990/PYOtherExpensesAmt | 0 | 4640506 |
| IRS990/PYOtherRevenueAmt | 0 | 95441 |
| IRS990/PYProgramServiceRevenueAmt | 0 | 11004728 |
| IRS990/PYRevenuesLessExpensesAmt | 0 | 1977834 |
| IRS990/PYSalariesCompEmpBnftPaidAmt | 0 | 4722621 |
| IRS990/PYTotalExpensesAmt | 0 | 9363127 |
| IRS990/PYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/PYTotalRevenueAmt | 0 | 11340961 |
| IRS990/ReconcilationRevenueExpnssAmt | 0 | 1110900 |
| IRS990/RegularMonitoringEnfrcInd | 0 | 1 |
| IRS990/RelatedEntityInd | 0 | 0 |
| IRS990/RelatedOrganizationCtrlEntInd | 0 | 0 |
| IRS990/ReportInvestmentsOtherSecInd | 0 | 0 |
| IRS990/ReportLandBuildingEquipmentInd | 0 | 1 |
| IRS990/ReportOtherAssetsInd | 0 | 0 |
| IRS990/ReportOtherLiabilitiesInd | 0 | 1 |
| IRS990/ReportProgramRelatedInvstInd | 0 | 0 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt | 0 | 19734667 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt | 0 | 20900865 |
| IRS990/SavingsAndTempCashInvstGrp/BOYAmt | 0 | 31361224 |
| IRS990/SavingsAndTempCashInvstGrp/EOYAmt | 0 | 23781046 |
| IRS990/ScheduleBRequiredInd | 0 | 0 |
| IRS990ScheduleD/AdditionsDuringYearAmt | 0 | 1620556 |
| IRS990ScheduleD/AgentTrusteeEtcInd | 0 | 1 |
| IRS990ScheduleD/BeginningBalanceAmt | 0 | 223228 |
| IRS990ScheduleD/BuildingsGrp/BookValueAmt | 0 | 3229194 |
| IRS990ScheduleD/BuildingsGrp/DepreciationAmt | 0 | 1370708 |
| IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt | 0 | 4599902 |
| IRS990ScheduleD/DistributionsDuringYearAmt | 0 | 1641071 |
| IRS990ScheduleD/EndingBalanceAmt | 0 | 202713 |
| IRS990ScheduleD/EquipmentGrp/BookValueAmt | 0 | 1029975 |
| IRS990ScheduleD/EquipmentGrp/DepreciationAmt | 0 | 563112 |
| IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt | 0 | 1593087 |
| IRS990ScheduleD/ExpensesNotReportedAmt | 0 | 0 |
| IRS990ScheduleD/ExpensesNotRptFinclStmtAmt | 0 | 28535 |
| IRS990ScheduleD/ExpensesSubtotalAmt | 0 | 10671854 |
| IRS990ScheduleD/FootnoteTextInd | 0 | X |
| IRS990ScheduleD/InclEscrowCustodialAcctLiabInd | 0 | 0 |
| IRS990ScheduleD/LandGrp/BookValueAmt | 0 | 2600750 |
| IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt | 0 | 2600750 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt | 0 | 8802 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt | 0 | 463 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt | 0 | 9265 |
| IRS990ScheduleD/OtherExpensesNotIncludedAmt | 0 | 28535 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 0 | 180073148 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 0 | MEMBER SHARES |
| IRS990ScheduleD/OtherRevenueAmt | 0 | -28535 |
| IRS990ScheduleD/RevenueNotReportedAmt | 0 | -28535 |
| IRS990ScheduleD/RevenueNotReportedFinclStmtAmt | 0 | 0 |
| IRS990ScheduleD/RevenueSubtotalAmt | 0 | 11811289 |
| IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt | 0 | AS A LOAN SERVICER, THE CREDIT UNION RECEIVES PRINCIPAL PAYMENTS, INTEREST PAYMENTS, TAX PAYMENTS AND INSURANCE PAYMENTS AND THEN REMITS THESE FUNDS TO THE APPLICABLE THIRD PARTIES ON BEHALF OF THE BORROWERS. ESCROW FUNDS WERE EXCLUDED FROM CORPORATE ASSETS ON THE FINANCIAL STATEMENTS. |
| IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt | 1 | THE CREDIT UNION IS EXEMPT, BY STATUTE, FROM FEDERAL INCOME TAXES AND STATE INCOME TAX. THE CREDIT UNION IS A STATE CHARTERED CREDIT UNION DESCRIBED IN INTERNAL REVENUE CODE SECTION 501(C)(14). |
| IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt | 2 | LOSSES ARISING FROM ASSETS ACQUIRED IN LIQUIDATION OF LOANS NETTED AGAINST NON-INTEREST INCOME IN AUDITED FINANCIAL STATEMENTS |
| IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt | 3 | LOSSES ARISING FROM ASSETS ACQUIRED IN LIQUIDATION OF LOANS NETTED AGAINST NON-INTEREST INCOME IN AUDITED FINANCIAL STATEMENTS |
| IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc | 0 | PART IV, LINE 1B: |
| IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc | 1 | PART X, LINE 2: |
| IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc | 2 | PART XI, LINE 2D - OTHER ADJUSTMENTS: |
| IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc | 3 | PART XII, LINE 4B - OTHER ADJUSTMENTS: |
| IRS990ScheduleD/TotalBookValueLandBuildingsAmt | 0 | 6868721 |
| IRS990ScheduleD/TotalExpensesPerForm990Amt | 0 | 10700389 |
| IRS990ScheduleD/TotalLiabilityAmt | 0 | 180073148 |
| IRS990ScheduleD/TotalRevenuePerForm990Amt | 0 | 11811289 |
| IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt | 0 | 11782754 |
| IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt | 0 | 10671854 |
| IRS990ScheduleJ/BoardOrCommitteeApprovalInd | 0 | X |
| IRS990ScheduleJ/ClubDuesOrFeesInd | 0 | X |
| IRS990ScheduleJ/CompensationSurveyInd | 0 | X |
| IRS990ScheduleJ/EquityBasedCompArrngmInd | 0 | 0 |
| IRS990/ScheduleJRequiredInd | 0 | 1 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt | 0 | 274809 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt | 1 | 132687 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount | 0 | 52010 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount | 1 | 11433 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt | 1 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt | 1 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt | 1 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt | 1 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt | 0 | 41977 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt | 1 | 12461 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt | 1 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt | 0 | 13241 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt | 1 | 13031 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt | 1 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt | 1 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt | 1 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm | 0 | SHEM CULPEPPER |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm | 1 | JOHN CODY KIDD |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt | 0 | CEO/BOARD MEMBER |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt | 1 | VP OF LENDING |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt | 0 | 382037 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt | 1 | 169612 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt | 1 | 0 |
| IRS990ScheduleJ/SeverancePaymentInd | 0 | 0 |
| IRS990ScheduleJ/SubstantiationRequiredInd | 0 | 1 |
| IRS990ScheduleJ/SupplementalInformationDetail/ExplanationTxt | 0 | ODESSA COUNTRY CLUB MEMBERSHIP FOR SHEM CULPEPPER AND CODY KIDD. |
| IRS990ScheduleJ/SupplementalInformationDetail/ExplanationTxt | 1 | PARTICIPANTS ARE SHEM CULPEPPER, CODY KIDD, AND CATHY LARACUENTE. THERE ARE TWO PARTS TO THE PLAN. AMOUNTS PAID OUT WERE AS FOLLOWS: SHEM CULPEPPER $51,040.28, CODY KIDD $12,760.22, AND CATHY LARACUENTE $25,520.44. PROCEEDS WERE USED TO PURCHASE A LIFE INSURANCE POLICY, THE OTHER PART OF THE RETIREMENT PLAN, THE PROCEEDS WERE USED TO FUND 457F ACCOUNTS. AMOUNTS PAID WERE AS FOLLOWS; SHEM CULPEPPER $34,026.86, CODY KIDD $8,506.82, AND CATHY LARACUENTE $17,013.63. THIS WAS CATHY'S FINAL YEAR OF PARTICIPATION AS SHE RETIRED IN FEBRUARY 2016. |
| IRS990ScheduleJ/SupplementalInformationDetail/FormAndLineReferenceDesc | 0 | PART I, LINE 1A |
| IRS990ScheduleJ/SupplementalInformationDetail/FormAndLineReferenceDesc | 1 | PART I, LINE 4B |
| IRS990ScheduleJ/SupplementalNonqualRtrPlanInd | 0 | 1 |
| IRS990ScheduleJ/WrittenPolicyRefTAndEExpnssInd | 0 | 1 |
| IRS990/ScheduleORequiredInd | 0 | 1 |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 0 | THE ORGANIZATION IS A CREDIT UNION, WHICH IS A NOT-FOR-PROFIT ORGANIZATION. THE CREDIT UNION HAS MEMBERS AND THESE MEMBERS HAVE THE RIGHT TO ELECT THE GOVERNING BODY OF THE CREDIT UNION, AND THE MEMBERS MAY RECEIVE A SHARE OF THE ORGANIZATIONS PROFITS IF DECIDED UPON BY THE GOVERNING BODY. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 1 | EACH PRIMARY SHAREHOLDER OR MEMBER OF THE CREDIT UNION THAT HAS $25 DEPOSITED INTO THEIR REGULAR SHARE ACCOUNT IS CONSIDERED A MEMBER IN GOOD STANDING AND IS AFFORDED ONE VOTE FOR ELECTION OF THE GOVERNING BODY. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 2 | MEMBERS OF THE CREDIT UNION HAVE THE RIGHT TO APPROVE THE GOVERNING BODY'S ELECTION AND REMOVAL OF MEMBERS OF THE GOVERNING BODY, AS WELL AS OTHER MATTERS THAT ARE SUBJECT TO THE APPROVAL OF MEMBERS OF THE CREDIT UNION AS THEY OCCUR. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 3 | THE BOARD OF DIRECTORS OF THE CREDIT UNION HAS DELEGATED THE AUTHORITY TO REVIEW AND APPROVE THE SUBMISSION OF THE FORM 990 TO THE PRESIDENT/CEO OF THE CREDIT UNION. ONCE THE PRESIDENT/CEO HAS APPROVED THE INFORMATION REPORTED ON THE FORM, THE INFORMATION IS MADE AVAILABLE TO THE BOARD OF DIRECTORS. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 4 | THE CREDIT UNION HAS IMPLEMENTED A SEGREGATION OF DUTIES TO HELP MINIMIZE THE EVENT OF A PERSON IN A POSITION OF AUTHORITY BENEFITTING FINANCIALLY FROM A DECISION. POLICIES HAVE BEEN WRITTEN TO HELP MITIGATE SUCH OCCURENCES, AND THESE POLICIES ARE REVIEWED ON A YEARLY BASIS BY THE BOARD OF DIRECTORS. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 5 | THE CU USES COMPEASE THAT WILL PROVIDE PAYROLL DATA FOR POSITIONS ACROSS THE COUNTRY WITHIN THE CREDIT UNION INDUSTRY. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 6 | THE ORGANIZATION WILL ALLOW MEMBERS TO REVIEW GOVERNING DOCUMENTS AND THE CONFLICT OF INTEREST POLICY UPON REQUEST. THE FINANCIAL STATEMENTS ARE POSTED MONTHLY AT EACH BRANCH, REVIEWED DURING THE CREDIT UNION'S ANNUAL MEETING, AND DISCLOSED IN THE QUARTERLY CALL REPORT WHICH IS AVAILABLE ON THE NCUA'S WEBSITE. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 7 | MISCELLANEOUS 75,624. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 8 | RECLASSIFICATION ADJUSTMENTS FOR INVESTMENT LOSSES ON SECURITIES 23,248. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 9 | THE CREDIT UNION HAS A COMMITTEE THAT ASSUMES RESPONSIBILITY FOR THE OVERSIGHT OF THE AUDIT OF ITS FINANCIAL STATEMENTS AND THE SELECTION OF AN INDEPENDENT ACCOUNTANT. THE PROCESS HAS NOT CHANGED FROM THE PRIOR YEAR. |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 0 | FORM 990, PART VI, SECTION A, LINE 6 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 1 | FORM 990, PART VI, SECTION A, LINE 7A |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 2 | FORM 990, PART VI, SECTION A, LINE 7B |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 3 | FORM 990, PART VI, SECTION B, LINE 11B |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 4 | FORM 990, PART VI, SECTION B, LINE 12C |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 5 | FORM 990, PART VI, SECTION B, LINE 15 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 6 | FORM 990, PART VI, SECTION C, LINE 19 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 7 | FORM 990, PART IX, LINE 24E |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 8 | FORM 990, PART XI, LINE 9: |
Document Assets
No mirrored PDF or thumbnail assets are attached yet.
Filings
Displayed year
2016 • Form 990Detailed filing. Detailed filing data is available for this year.
- Assets
- $203,527,316
- Liabilities
- $182,626,451
- Net assets
- $20,900,865
- Revenue
- $11,811,289
- Expenses
- $10,700,389
- Net income
- $1,110,900