Civic Intelligence

Acu Credit Union

EIN 75-1108961 • 501(c)14 • Abilene, TX

990-N Coverage

Profile

To provide high quality savings rates and low loan rates to memeber owners

Acu Box 28041Abilene, TX 79699

acucreditunion.com

Siviq Scores

Scores are not available for this record yet.

Balance Sheet

Assets

Down

$5,457,464

Down $674,112 (-11%) from 2022

Liabilities

Down

$4,104,887

Down $699,475 (-15%) from 2022

Net Assets

Up

$1,352,577

Up $25,363 (+1.9%) from 2022

Operations

Revenue

Up

$205,764

Up $49,938 (+32%) from 2022

Expenses

Up

$180,401

Up $30,001 (+20%) from 2022

Net Income

Up

$25,363

Up $19,937 (+367%) from 2022

Trend Graphs

Balance Sheet Trend

Grouped bars show assets, liabilities, and net assets across loaded filings.

$8.0M$6.0M$4.0M$2.0M$0Assets 2022: $6,131,576Liabilities 2022: $4,804,362Net Assets 2022: $1,327,2142022Assets 2023: $5,457,464Liabilities 2023: $4,104,887Net Assets 2023: $1,352,5772023

Highlighted filing

2023

Assets$5,457,464
Liabilities$4,104,887
Net Assets$1,352,577
Open 2023 Filing

Operations Trend

Revenue, expenses, and net income by year, with the latest filing highlighted.

$300K$200K$100K$0Revenue 2022: $155,826Expenses 2022: $150,400Net Income 2022: $5,4262022Revenue 2023: $205,764Expenses 2023: $180,401Net Income 2023: $25,3632023

Highlighted filing

2023

Revenue$205,764
Expenses$180,401
Net Income$25,363
Open 2023 Filing

Filings

Most recent year

2023 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$5,457,464
Liabilities
$4,104,887
Net assets
$1,352,577
Revenue
$205,764
Expenses
$180,401
Net income
$25,363
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2023Detailed filing. Detailed filing data is available for this year.$5.46$4.10$1.35$0.21$0.18$0.03
2022Detailed filing. Detailed filing data is available for this year.$6.13$4.80$1.33$0.16$0.15$0.01
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2023 to Dec 31, 2023
Signed
Sep 13, 2024
Return Version
2023v5.1
Gross Receipts
$205,764
Mission and Program Overview

Mission

To provide high quality savings rates and low loan rates to memeber owners

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$4,071,198$4,007,926▼ $63,272
Rtn Earn Endowment Incm Other Fnds$1,327,214$1,352,577▲ $25,363
Savings and Temporary Cash Investments$1,558,784$835,903▼ $722,881
Cash and Non-Interest-Bearing Accounts$397,540$550,532▲ $152,992
Prepaid Expenses and Deferred Charges$9,614$6,348▼ $3,266
Land, Buildings, and Equipment, Net$2,117$1,085▼ $1,032
Accounts Receivable-$0-
Pledges and Grants Receivable-$0-
Receivable From Disqualified Prsn-$0-
Investments Other Securities-$0-
Investments Program Related-$0-
Investments in Publicly Traded Securities-$0-
Intangible Assets-$0-
Inventories for Sale or Use-$0-
Receivables From Officers Etc$39,284$-19▼ $39,303
Total Assets$6,131,576$5,457,464▼ $674,112
Other Assets Total$53,039$55,689▲ $2,650
Liabilities
Other Liabilities$4,765,031$4,100,692▼ $664,339
Accounts Payable and Accrued Expenses$39,331$4,195▼ $35,136
Total Liabilities$4,804,362$4,104,887▼ $699,475
Net Assets / Fund Balance
Total Net Assets Fund Balance$1,327,214$1,352,577▲ $25,363
Total Liabilities and Net Assets / Fund Balance$6,131,576$5,457,464▼ $674,112

Asset Categories

AssetBook ValueDepreciationBasis
Other Land Buildings$904$5,733-
Equipment$181$4,081-
Compensation and Service Providers

Board Members and Trustees

NameTitle
Joe CardotChairman
Troy a MannPresident & CEO
Eric HardegreeDirector
Melissa AtkinsonDirector
Michelle ValenciaDirector
Nuria HallDirector
Perry HollyDirector
Phil VardimanDirector
Vicki BrittenDirector
Jenni TrietschSecretary
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$175,950
Investment Income
$29,814
Other Revenue
$0
Change in Net Assets
$25,363
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$94,754
Salaries, Compensation, and Employee Benefits$85,647
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$70,972
Interest---$22,218
Fees for Services Accounting---$8,300
Fees for Services Management---$8,269
Office Expenses---$8,258
Pension Plan Contributions---$8,081
Payroll Taxes---$6,326
Insurance---$5,904
Information Technology---$5,844
Depreciation Depletion---$1,032
Other Expenses---$492
Other Employee Benefits---$268
All Other Expenses---$-1,901
Total Functional Expenses$0$0$0$180,401
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$39,284$-19▼ $39,303
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Shares & Shares Certificates$4,100,689
Rounding$3
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
No
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
No
Other officer compensation reviewed
No
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 member owners of the credit union meet annually to elect the board members for the following year which is their governing body”

Form 990, Part VI, Section A, Line 7A

“The member owners of the credit union meet annually to elect the board members for the following year which is their governing body”

Form 990, Part VI, Section A, Line 7B

“The member owners of the credit union meet annually to elect the board members for the following year which is their governing body”

Form 990, Part VI, Section B, Line 11B

“The president reviews form 990 and holds it in the office for safe keeping. At the annual meeting of member owners they are informed that the form 990 is available on request to be viewed in the office of the credit union president.”

Form 990, Part VI, Section C, Line 19

“Member owners are notified at the annual meeting that all governing documents and financial statements are available in the office of the credit union upon request. They also receive a notice in their quarterly statements once a year.”

Filing and Contact Details

Filer

Filer Name
Acu Credit Union
EIN
75-1108961
Phone
3256742486
Address
ACU BOX 28041, ABILENE, TX 79699

Signing Officer

Name
Troy a Mann
Title
President & CEO
Signed
2024-09-13
Discuss with paid preparer
Yes

Organization Details

Formed
1951
Legal Domicile
TX
Voting Board Members
9
Independent Board Members
9
Employees
3
Volunteers
9

Preparer

Firm
Ram CPA Pllc
Address
3401 W Loop 306 Ste A, San Angelo, TX 76904
Preparer
Rudolph A Munoz Jr CPA
Phone
3259442536
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IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1SHARES & SHARES CERTIFICATES
IRS990ScheduleD/TotalBookValueLandBuildingsAmt01085
IRS990ScheduleD/TotalLiabilityAmt04100692
IRS990/ScheduleJRequiredInd0false
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE MEMBER OWNERS OF THE CREDIT UNION MEET ANNUALLY TO ELECT THE BOARD MEMBERS FOR THE FOLLOWING YEAR WHICH IS THEIR GOVERNING BODY
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE MEMBER OWNERS OF THE CREDIT UNION MEET ANNUALLY TO ELECT THE BOARD MEMBERS FOR THE FOLLOWING YEAR WHICH IS THEIR GOVERNING BODY
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2THE MEMBER OWNERS OF THE CREDIT UNION MEET ANNUALLY TO ELECT THE BOARD MEMBERS FOR THE FOLLOWING YEAR WHICH IS THEIR GOVERNING BODY
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3THE PRESIDENT REVIEWS FORM 990 AND HOLDS IT IN THE OFFICE FOR SAFE KEEPING. AT THE ANNUAL MEETING OF MEMBER OWNERS THEY ARE INFORMED THAT THE FORM 990 IS AVAILABLE ON REQUEST TO BE VIEWED IN THE OFFICE OF THE CREDIT UNION PRESIDENT.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4MEMBER OWNERS ARE NOTIFIED AT THE ANNUAL MEETING THAT ALL GOVERNING DOCUMENTS AND FINANCIAL STATEMENTS ARE AVAILABLE IN THE OFFICE OF THE CREDIT UNION UPON REQUEST. THEY ALSO RECEIVE A NOTICE IN THEIR QUARTERLY STATEMENTS ONCE A YEAR.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990, Part VI, Section A, Line 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990, Part VI, Section A, Line 7a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990, Part VI, Section A, Line 7b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990, Part VI, Section B, Line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Form 990, Part VI, Section C, Line 19
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/SubjectToExcsTaxNetInvstIncInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/SubjToTaxRmnrtnExPrchtPymtInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt06131576
IRS990/TotalAssetsEOYAmt05457464
IRS990/TotalAssetsGrp/BOYAmt06131576
IRS990/TotalAssetsGrp/EOYAmt05457464
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalContributionsAmt00
IRS990/TotalEmployeeCnt03
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt0180401
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt04804362
IRS990/TotalLiabilitiesEOYAmt04104887
IRS990/TotalLiabilitiesGrp/BOYAmt04804362
IRS990/TotalLiabilitiesGrp/EOYAmt04104887
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt01327214
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt01352577
IRS990/TotalProgramServiceRevenueAmt0175950
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0205764
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0205764
IRS990/TotalVolunteersCnt09
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt06131576
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt05457464
IRS990/TravelGrp/TotalAmt00
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt0ACU BOX 28041
IRS990/USAddress/CityNm0ABILENE
IRS990/USAddress/StateAbbreviationCd0TX
IRS990/USAddress/ZIPCd079699
IRS990/VotingMembersGoverningBodyCnt09
IRS990/VotingMembersIndependentCnt09
IRS990/WebsiteAddressTxt0ACUCREDITUNION.COM
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02024-08-08 14:25:15Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0TROY A MANN
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0President & CEO
ReturnHeader/BusinessOfficerGrp/SignatureDt02024-09-13
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0ACU CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0ACUC
ReturnHeader/Filer/EIN0751108961
ReturnHeader/Filer/PhoneNum03256742486
ReturnHeader/Filer/USAddress/AddressLine1Txt0ACU BOX 28041
ReturnHeader/Filer/USAddress/CityNm0ABILENE
ReturnHeader/Filer/USAddress/StateAbbreviationCd0TX
ReturnHeader/Filer/USAddress/ZIPCd079699
ReturnHeader/IRSResponsiblePrtyInfoCurrInd0true
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0870935049
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0RAM CPA PLLC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt03401 W Loop 306 Ste A
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0San Angelo
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0TX
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd076904
ReturnHeader/PreparerPersonGrp/PhoneNum03259442536
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0Rudolph A Munoz Jr CPA
ReturnHeader/ReturnTs02024-09-13T13:19:43-07:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02023-01-01
ReturnHeader/TaxPeriodEndDt02023-12-31
ReturnHeader/TaxYr02023

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