Liabilities / Assets
69th percentile
Higher debt load relative to assets than 69% of similar nonprofits.
First Basin Credit Union
990 • Fiscal year 2017 • EIN 75-1084210
Siviq Scores
Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.
0.91x
Liabilities / Revenue
33rd percentile
Higher debt load relative to revenue than 33% of similar nonprofits.
Net Margin
68th percentile
Higher net margin than 68% of similar nonprofits.
Top Officer Pay
89th percentile
Higher top officer pay than 89% of similar nonprofits.
Top officer pay equals 2.3% of source-year revenue.
Asset Growth
99th percentile
Faster asset growth than 99% of similar nonprofits.
Revenue Growth
94th percentile
Faster revenue growth than 94% of similar nonprofits.
Balance Sheet
Assets
Up$248,258,677
Up $44,731,361 (+22%) from 2016
Net Assets
Up$23,038,455
Up $2,137,590 (+10%) from 2016
Liabilities
Up$225,220,222
Up $42,593,771 (+23%) from 2016
Revenue And Expenses
Revenue
Up$14,406,310
Up $2,595,021 (+22%) from 2016
Expenses
Up$12,286,220
Up $1,585,831 (+15%) from 2016
Net Income
Up$2,120,090
Up $1,009,190 (+91%) from 2016
Historical Trend
Jump To
Filing Snapshot
- Filing Period
- Jan 1, 2017 to Dec 31, 2017
- Signed
- Jun 22, 2018
- Return Version
- 2017v2.2
- Gross Receipts
- $14,406,310
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 | $153,886,027 | $212,626,494 | ▲ $58,740,467 |
| Rtn Earn Endowment Incm Other Fnds | $20,900,865 | $23,038,455 | ▲ $2,137,590 |
| Savings and Temporary Cash Investments | $23,781,046 | $19,417,174 | ▼ $4,363,872 |
| Investments in Publicly Traded Securities | $9,982,500 | - | - |
| Land, Buildings, and Equipment, Net | $6,868,721 | $6,805,237 | ▼ $63,484 |
| Cash and Non-Interest-Bearing Accounts | $4,427,784 | $3,260,314 | ▼ $1,167,470 |
| Investments Other Securities | $86,400 | $823,700 | ▲ $737,300 |
| Prepaid Expenses and Deferred Charges | $302,087 | $378,078 | ▲ $75,991 |
| Accounts Receivable | $389,345 | $337,144 | ▼ $52,201 |
| Pd in Cap Srpls Land Bldg Eqp Fund | $0 | $0 | → $0 |
| Cap Stk Tr Prin Current Funds | $0 | $0 | → $0 |
| Total Assets | $203,527,316 | $248,258,677 | ▲ $44,731,361 |
| Other Assets Total | $3,803,406 | $4,610,536 | ▲ $807,130 |
| Liabilities | |||
| Other Liabilities | $180,073,148 | $203,076,281 | ▲ $23,003,133 |
| Mortgage Notes Payable Secured by Investment Property | - | $18,000,000 | - |
| Accounts Payable and Accrued Expenses | $2,553,303 | $4,143,941 | ▲ $1,590,638 |
| Total Liabilities | $182,626,451 | $225,220,222 | ▲ $42,593,771 |
| Net Assets / Fund Balance | |||
| Total Net Assets Fund Balance | $20,900,865 | $23,038,455 | ▲ $2,137,590 |
| Total Liabilities and Net Assets / Fund Balance | $203,527,316 | $248,258,677 | ▲ $44,731,361 |
Asset Categories
| Asset | Book Value | Depreciation | Basis |
|---|---|---|---|
| Buildings | $3,096,598 | $1,510,596 | $4,607,194 |
| Land | $2,600,750 | - | $2,600,750 |
| Equipment | $1,100,786 | $857,991 | $1,958,777 |
| Leasehold Improvements | $7,103 | $2,162 | $9,265 |
Compensation and Service Providers
Employees
| Name | Title | Full / Part Time | Base | Other | Total |
|---|---|---|---|---|---|
| Shem Culpepper | CEO/board Member | FT | $280,565 | $52,083 | $332,648 |
| John Cody Kidd | VP of Lending | FT | $132,112 | $45,021 | $177,133 |
| TIM O'REILLY | VP of Marketing | FT | $125,900 | $34,228 | $160,128 |
| Bradley Stillwell | VP of It | FT | $112,515 | $7,954 | $120,469 |
| Julia Tarin | VP of Branch Operations | FT | $101,649 | $348 | $101,997 |
| Julian Beseril | Chairperson | - | $5,600 | - | $5,600 |
| Samuel Gonzalez | Treasurer | - | $5,600 | - | $5,600 |
| Gary Windham | Secretary | - | $5,200 | - | $5,200 |
| Rebecca Marler | Board Member | - | $5,200 | - | $5,200 |
| Steve Compton | Board Member | - | $5,200 | - | $5,200 |
Highest Paid Contractors
| Contractor | Services | Location | Compensation |
|---|---|---|---|
| Jack Henry And Associates | Core System Provider | PO BOX 609, Monett, MO 65708 | $217,678 |
| Lanvera Ltd | Statement Provider | 112 WRANGLER DR 150, Coppell, TX 75019 | $151,625 |
| Miko Media | Advertising Firm | 8200 LAMMTARRA CIRCLE, Fair Oaks Ranch, TX 78015 | $137,000 |
| At&t | Communications | PO BOX 5019, Carol Stream, IL 60197 | $119,840 |
Revenue and Support
Revenue Composition
- Contributions and Grants
- $0
- Program Service Revenue
- $14,118,351
- Investment Income
- $197,091
- Other Revenue
- $90,868
- Change in Net Assets
- $2,120,090
Audited Revenue Reconciliation
- Revenue per Audited Statements
- $14,406,310
- Revenue Not Reported on Financial Statements
- $0
- Revenue Not Reported on Form 990
- $0
- Total Revenue per Audited Statements
- $14,406,310
- Total Revenue per Form 990
- $14,406,310
Expenses and Functional Allocation
Major Expense Lines
| Line Item | Amount |
|---|---|
| Other Expenses | $6,550,192 |
| Salaries, Compensation, and Employee Benefits | $5,736,028 |
| 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 | - | - | - | $4,260,259 |
| Information Technology | - | - | - | $1,110,226 |
| Interest | - | - | - | $867,510 |
| Other Employee Benefits | - | - | - | $734,314 |
| Office Expenses | - | - | - | $702,465 |
| Advertising | - | - | - | $477,931 |
| Depreciation Depletion | - | - | - | $432,945 |
| Current Officers, Directors, Trustees, and Key Employees | - | - | - | $359,448 |
| Payroll Taxes | - | - | - | $290,174 |
| Occupancy | - | - | - | $285,375 |
| Other Expenses | - | - | - | $272,019 |
| All Other Expenses | - | - | - | $218,143 |
| Pension Plan Contributions | - | - | - | $91,833 |
| Insurance | - | - | - | $74,192 |
| Conferences and Meetings | - | - | - | $70,925 |
| Fees for Services Other | - | - | - | $67,701 |
| Fees for Services Accounting | - | - | - | $54,034 |
| Payments to Affiliates | - | - | - | $43,334 |
| Travel | - | - | - | $2,026 |
| Total Functional Expenses | $0 | $0 | $0 | $12,286,220 |
Audited Expense Reconciliation
| Line Item | Amount |
|---|---|
| Expenses per Audited Statements | $12,286,220 |
| Total Expenses per Audited Statements | $12,286,220 |
| Total Expenses per Form 990 | $12,286,220 |
| Expenses Not Reported on Financial Statements | $0 |
| 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 | $203,076,281 |
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 organization's 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 credit union 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
- 2018-06-22
- 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
- 113
- Volunteers
- 6
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 11G
“Other professional services 67,701.”
Form 990, Part IX, Line 24E
“Training/development/education 194,730. Miscellaneous 23,413.”
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).”
Raw XML AppendixShowing 400 of 496 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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|---|---|---|
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| IRS990/AccountsPayableAccrExpnssGrp/BOYAmt | 0 | 2553303 |
| IRS990/AccountsPayableAccrExpnssGrp/EOYAmt | 0 | 4143941 |
| IRS990/AccountsReceivableGrp/BOYAmt | 0 | 389345 |
| IRS990/AccountsReceivableGrp/EOYAmt | 0 | 337144 |
| 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 | 477931 |
| IRS990/AllOtherExpensesGrp/TotalAmt | 0 | 218143 |
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| IRS990/AuditCommitteeInd | 0 | 1 |
| IRS990/BackupWthldComplianceInd | 0 | 1 |
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| 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 |
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| IRS990/CapStkTrPrinCurrentFundsGrp/EOYAmt | 0 | 0 |
| IRS990/CashNonInterestBearingGrp/BOYAmt | 0 | 4427784 |
| IRS990/CashNonInterestBearingGrp/EOYAmt | 0 | 3260314 |
| IRS990/ChangeToOrgDocumentsInd | 0 | 0 |
| IRS990/CntrctRcvdGreaterThan100KCnt | 0 | 4 |
| IRS990/CollectionsOfArtInd | 0 | 0 |
| IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt | 0 | 359448 |
| IRS990/CompensationFromOtherSrcsInd | 0 | 0 |
| IRS990/CompensationProcessCEOInd | 0 | 1 |
| IRS990/CompensationProcessOtherInd | 0 | 1 |
| IRS990/ConferencesMeetingsGrp/TotalAmt | 0 | 70925 |
| IRS990/ConflictOfInterestPolicyInd | 0 | 1 |
| IRS990/ConservationEasementsInd | 0 | 0 |
| IRS990/ConsolidatedAuditFinclStmtInd | 0 | 0 |
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| IRS990/ContractorCompensationGrp/CompensationAmt | 1 | 151625 |
| IRS990/ContractorCompensationGrp/CompensationAmt | 2 | 137000 |
| IRS990/ContractorCompensationGrp/CompensationAmt | 3 | 119840 |
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| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt | 1 | 112 WRANGLER DR 150 |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt | 2 | 8200 LAMMTARRA CIRCLE |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt | 3 | PO BOX 5019 |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm | 0 | MONETT |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm | 1 | COPPELL |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm | 2 | FAIR OAKS RANCH |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm | 3 | CAROL STREAM |
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| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd | 2 | TX |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd | 3 | IL |
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| IRS990/ContractorCompensationGrp/ServicesDesc | 1 | STATEMENT PROVIDER |
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| IRS990/ContractorCompensationGrp/ServicesDesc | 3 | COMMUNICATIONS |
| IRS990/CreditCounselingInd | 0 | 1 |
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| IRS990/DeductibleArtContributionInd | 0 | 0 |
| IRS990/DeductibleNonCashContriInd | 0 | 0 |
| IRS990/DelegationOfMgmtDutiesInd | 0 | 0 |
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| IRS990/Desc | 0 | LOANS TO MEMBERS |
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| IRS990/DisregardedEntityInd | 0 | 0 |
| IRS990/DocumentRetentionPolicyInd | 0 | 1 |
| IRS990/DonorAdvisedFundInd | 0 | 0 |
| IRS990/ElectionOfBoardMembersInd | 0 | 1 |
| IRS990/EmployeeCnt | 0 | 113 |
| IRS990/EmploymentTaxReturnsFiledInd | 0 | 1 |
| IRS990/FamilyOrBusinessRlnInd | 0 | 0 |
| IRS990/FederalGrantAuditRequiredInd | 0 | 0 |
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| IRS990/ForeignFinancialAccountInd | 0 | 0 |
| IRS990/ForeignOfficeInd | 0 | 0 |
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| 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 |
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| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 3 | X |
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| IRS990/Form990PartVIISectionAGrp/PersonNm | 7 | TIM O'REILLY |
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| 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/ReportableCompFromRltdOrgAmt | 8 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 9 | 0 |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 0 | CEO/BOARD MEMBER |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 1 | CHAIRPERSON |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 2 | TREASURER |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 3 | SECRETARY |
| 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/Form990PartVIISectionAGrp/TitleTxt | 8 | VP OF IT |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 9 | VP OF BRANCH OPERATIONS |
| 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 | 14406310 |
| IRS990/GroupReturnForAffiliatesInd | 0 | 0 |
| IRS990/IncludeFIN48FootnoteInd | 0 | 1 |
| IRS990/IndependentAuditFinclStmtInd | 0 | 1 |
| IRS990/IndependentVotingMemberCnt | 0 | 5 |
| IRS990/IndivRcvdGreaterThan100KCnt | 0 | 5 |
| IRS990/IndoorTanningServicesInd | 0 | 0 |
| IRS990/InfoInScheduleOPartIXInd | 0 | X |
| IRS990/InfoInScheduleOPartVIInd | 0 | X |
| IRS990/InfoInScheduleOPartXIIInd | 0 | X |
| IRS990/InformationTechnologyGrp/TotalAmt | 0 | 1110226 |
| IRS990/InsuranceGrp/TotalAmt | 0 | 74192 |
| IRS990/InterestGrp/TotalAmt | 0 | 867510 |
| IRS990/InvestmentIncomeGrp/ExclusionAmt | 0 | 197091 |
| IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt | 0 | 197091 |
| IRS990/InvestmentInJointVentureInd | 0 | 0 |
| IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt | 0 | 86400 |
| IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt | 0 | 823700 |
| IRS990/InvestmentsPubTradedSecGrp/BOYAmt | 0 | 9982500 |
| IRS990/IRPDocumentCnt | 0 | 3276 |
| IRS990/IRPDocumentW2GCnt | 0 | 0 |
| IRS990/LandBldgEquipAccumDeprecAmt | 0 | 2370749 |
| IRS990/LandBldgEquipBasisNetGrp/BOYAmt | 0 | 6868721 |
| IRS990/LandBldgEquipBasisNetGrp/EOYAmt | 0 | 6805237 |
| IRS990/LandBldgEquipCostOrOtherBssAmt | 0 | 9175986 |
| 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/MortgNotesPyblScrdInvstPropGrp/EOYAmt | 0 | 18000000 |
| IRS990/NetAssetsOrFundBalancesBOYAmt | 0 | 20900865 |
| IRS990/NetAssetsOrFundBalancesEOYAmt | 0 | 23038455 |
| IRS990/NetUnrelatedBusTxblIncmAmt | 0 | 30845 |
| IRS990/NetUnrlzdGainsLossesInvstAmt | 0 | 17500 |
| IRS990/NondeductibleContributionsInd | 0 | 0 |
| IRS990/OccupancyGrp/TotalAmt | 0 | 285375 |
| IRS990/OfficeExpensesGrp/TotalAmt | 0 | 702465 |
| IRS990/OfficerMailingAddressInd | 0 | 0 |
| IRS990/OperateHospitalInd | 0 | 0 |
| IRS990/Organization501cInd | 0 | X |
| IRS990/OrgDoesNotFollowSFAS117Ind | 0 | X |
| IRS990/OtherAssetsTotalGrp/BOYAmt | 0 | 3803406 |
| IRS990/OtherAssetsTotalGrp/EOYAmt | 0 | 4610536 |
| IRS990/OtherChangesInNetAssetsAmt | 0 | 0 |
| IRS990/OtherEmployeeBenefitsGrp/TotalAmt | 0 | 734314 |
| IRS990/OtherExpensesGrp/Desc | 0 | UNRELATED BUSINESS INCO |
| IRS990/OtherExpensesGrp/Desc | 1 | PROVISION FOR LOAN LOSS |
| IRS990/OtherExpensesGrp/Desc | 2 | MAINTENANCE |
| IRS990/OtherExpensesGrp/Desc | 3 | LOAN SERVICING EXPENSES |
| IRS990/OtherExpensesGrp/TotalAmt | 0 | 4627 |
| IRS990/OtherExpensesGrp/TotalAmt | 1 | 1512480 |
| IRS990/OtherExpensesGrp/TotalAmt | 2 | 354259 |
| IRS990/OtherExpensesGrp/TotalAmt | 3 | 272019 |
| IRS990/OtherLiabilitiesGrp/BOYAmt | 0 | 180073148 |
| IRS990/OtherLiabilitiesGrp/EOYAmt | 0 | 203076281 |
| IRS990/OtherRevenueMiscGrp/BusinessCd | 0 | 525990 |
| IRS990/OtherRevenueMiscGrp/Desc | 0 | ATM INCOME |
| IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt | 0 | 90868 |
| IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt | 0 | 90868 |
| IRS990/OtherRevenueTotalAmt | 0 | 90868 |
| IRS990/OtherSalariesAndWagesGrp/TotalAmt | 0 | 4260259 |
| IRS990/OthNotesLoansReceivableNetGrp/BOYAmt | 0 | 153886027 |
| IRS990/OthNotesLoansReceivableNetGrp/EOYAmt | 0 | 212626494 |
| IRS990/PartialLiquidationInd | 0 | 0 |
| IRS990/PaymentsToAffiliatesGrp/TotalAmt | 0 | 43334 |
| IRS990/PayrollTaxesGrp/TotalAmt | 0 | 290174 |
| IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt | 0 | 0 |
| IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt | 0 | 0 |
| IRS990/PensionPlanContributionsGrp/TotalAmt | 0 | 91833 |
| IRS990/PoliticalCampaignActyInd | 0 | 0 |
| IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt | 0 | 302087 |
| IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt | 0 | 378078 |
| 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 | 9654117 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 1 | 4464234 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 0 | 9654117 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 1 | 4464234 |
| 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 | 241682 |
| IRS990/PYOtherExpensesAmt | 0 | 5491774 |
| IRS990/PYOtherRevenueAmt | 0 | 91654 |
| IRS990/PYProgramServiceRevenueAmt | 0 | 11477953 |
| IRS990/PYRevenuesLessExpensesAmt | 0 | 1110900 |
| IRS990/PYSalariesCompEmpBnftPaidAmt | 0 | 5208615 |
| IRS990/PYTotalExpensesAmt | 0 | 10700389 |
| IRS990/PYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/PYTotalRevenueAmt | 0 | 11811289 |
| IRS990/ReconcilationRevenueExpnssAmt | 0 | 2120090 |
| 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 | 20900865 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt | 0 | 23038455 |
| IRS990/SavingsAndTempCashInvstGrp/BOYAmt | 0 | 23781046 |
| IRS990/SavingsAndTempCashInvstGrp/EOYAmt | 0 | 19417174 |
| IRS990/ScheduleBRequiredInd | 0 | 0 |
| IRS990ScheduleD/AdditionsDuringYearAmt | 0 | 1713126 |
| IRS990ScheduleD/AgentTrusteeEtcInd | 0 | 1 |
| IRS990ScheduleD/BeginningBalanceAmt | 0 | 202713 |
| IRS990ScheduleD/BuildingsGrp/BookValueAmt | 0 | 3096598 |
| IRS990ScheduleD/BuildingsGrp/DepreciationAmt | 0 | 1510596 |
| IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt | 0 | 4607194 |
| IRS990ScheduleD/DistributionsDuringYearAmt | 0 | 1738349 |
| IRS990ScheduleD/EndingBalanceAmt | 0 | 177490 |
| IRS990ScheduleD/EquipmentGrp/BookValueAmt | 0 | 1100786 |
| IRS990ScheduleD/EquipmentGrp/DepreciationAmt | 0 | 857991 |
| IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt | 0 | 1958777 |
| IRS990ScheduleD/ExpensesNotReportedAmt | 0 | 0 |
| IRS990ScheduleD/ExpensesNotRptFinclStmtAmt | 0 | 0 |
| IRS990ScheduleD/ExpensesSubtotalAmt | 0 | 12286220 |
| IRS990ScheduleD/FootnoteTextInd | 0 | X |
| IRS990ScheduleD/InclEscrowCustodialAcctLiabInd | 0 | 0 |
| IRS990ScheduleD/LandGrp/BookValueAmt | 0 | 2600750 |
| IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt | 0 | 2600750 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt | 0 | 7103 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt | 0 | 2162 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt | 0 | 9265 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 0 | 203076281 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 0 | MEMBER SHARES |
| IRS990ScheduleD/RevenueNotReportedAmt | 0 | 0 |
| IRS990ScheduleD/RevenueNotReportedFinclStmtAmt | 0 | 0 |
| IRS990ScheduleD/RevenueSubtotalAmt | 0 | 14406310 |
| 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/FormAndLineReferenceDesc | 0 | PART IV, LINE 1B: |
| IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc | 1 | PART X, LINE 2: |
| IRS990ScheduleD/TotalBookValueLandBuildingsAmt | 0 | 6805237 |
| IRS990ScheduleD/TotalExpensesPerForm990Amt | 0 | 12286220 |
| IRS990ScheduleD/TotalLiabilityAmt | 0 | 203076281 |
| IRS990ScheduleD/TotalRevenuePerForm990Amt | 0 | 14406310 |
| IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt | 0 | 14406310 |
| IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt | 0 | 12286220 |
| IRS990ScheduleJ/BoardOrCommitteeApprovalInd | 0 | X |
| IRS990ScheduleJ/ClubDuesOrFeesInd | 0 | X |
| IRS990ScheduleJ/CompensationSurveyInd | 0 | X |
| IRS990ScheduleJ/EquityBasedCompArrngmInd | 0 | 0 |
| IRS990/ScheduleJRequiredInd | 0 | 1 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt | 0 | 280565 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt | 1 | 132112 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt | 2 | 125900 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount | 0 | 31853 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount | 1 | 27467 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount | 2 | 25790 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt | 1 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt | 2 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt | 1 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt | 2 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt | 1 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt | 2 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt | 1 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt | 2 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt | 0 | 8548 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt | 1 | 4160 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt | 2 | 3913 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt | 1 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt | 2 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt | 0 | 4369 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt | 1 | 6565 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt | 2 | 4525 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt | 1 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt | 2 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt | 0 | 7313 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt | 1 | 6829 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt | 2 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt | 1 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt | 2 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm | 0 | SHEM CULPEPPER |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm | 1 | JOHN CODY KIDD |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm | 2 | TIM O'REILLY |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt | 0 | CEO/BOARD MEMBER |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt | 1 | VP OF LENDING |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt | 2 | VP OF MARKETING |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt | 0 | 332648 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt | 1 | 177133 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt | 2 | 160128 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt | 1 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt | 2 | 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 | IN 2017, SHEM CULPEPPER, JOHN CODY KIDD, AND TIM O'REILLY PARTICIPATED IN A 457(F) FOR WHICH EACH PARTICIPANT ACCRUED $19,319, $9,660, AND $9,660, RESPECTIVELY. |
| 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 ORGANIZATION'S 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. |
Document Assets
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Filings
Displayed year
2017 • Form 990Detailed filing. Detailed filing data is available for this year.
- Assets
- $248,258,677
- Liabilities
- $225,220,222
- Net assets
- $23,038,455
- Revenue
- $14,406,310
- Expenses
- $12,286,220
- Net income
- $2,120,090