Civic Intelligence

Keystone Credit Union

990 • Fiscal year 2013 • EIN 75-1212934

Jan 01, 2013 to Dec 31, 2013 • Filed on May 14, 2014

Organization ProfileN/A

View Organization Page

P O Box 497075712

(903) 882-4343

Siviq Scores

Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.

Liabilities / Assets

4th percentile

0.00x

Higher debt load relative to assets than 4% of similar nonprofits.

2013 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2013

Liabilities / Revenue

6th percentile

0.15x

Higher debt load relative to revenue than 6% of similar nonprofits.

2013 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2013

Net Margin

49th percentile

6.0%

Higher net margin than 49% of similar nonprofits.

2013 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2013

Top Officer Pay

46th percentile

$92,775

Higher top officer pay than 46% of similar nonprofits.

Top officer pay equals 7.8% of source-year revenue.

2013 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2013

Asset Growth

8th percentile

-5.0%

Faster asset growth than 8% of similar nonprofits.

2013 filings • 501(c)14 • $25M-$50M nonprofits • Annualized from 2012 to 2013

Revenue Growth

Score unavailable

No value available

No earlier valid filing was available within the previous three public years.

Source year 2013

Balance Sheet
Liabilities / Assets4th percentile

Assets

Down

$40,129,754

Down $2,131,570 (-5.0%) from 2012

Net Assets

Down

$39,954,842

Down $2,209,043 (-5.2%) from 2012

Liabilities

Up

$174,912

Up $77,473 (+80%) from 2012

Revenue And Expenses
Liabilities / Revenue6th percentileNet Margin49th percentile

Revenue

$1,192,491

No earlier filing loaded for comparison.

Expenses

Down

$1,120,382

Down $145,260 (-11%) from 2012

Net Income

$72,109

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth8th percentile

The highlighted filing sits inside the broader history for assets, liabilities, and net assets.

$60M$40M$20M$0Assets 2010: $41,662,391Liabilities 2010: $159,634Net Assets 2010: $41,502,7572010Assets 2011: $41,806,422Liabilities 2011: $87,865Net Assets 2011: $41,718,5572011Assets 2012: $42,261,324Liabilities 2012: $97,439Net Assets 2012: $42,163,8852012Assets 2013: $40,129,754Liabilities 2013: $174,912Net Assets 2013: $39,954,8422013Assets 2014: $38,444,931Liabilities 2014: $113,745Net Assets 2014: $38,331,1862014Assets 2015: $36,931,117Liabilities 2015: $123,843Net Assets 2015: $36,807,2742015Assets 2016: $37,041,685Liabilities 2016: $94,623Net Assets 2016: $36,947,0622016Assets 2017: $36,301,696Liabilities 2017: $32,489Net Assets 2017: $36,269,2072017Assets 2018: $38,135,050Liabilities 2018: $277,902Net Assets 2018: $37,857,1482018Assets 2019: $36,471,487Liabilities 2019: $172,192Net Assets 2019: $36,299,2952019Assets 2020: $38,798,015Liabilities 2020: $130,119Net Assets 2020: $38,667,8962020Assets 2021: $39,860,264Liabilities 2021: $51,000Net Assets 2021: $39,809,2642021Assets 2022: $40,019,761Liabilities 2022: $187,828Net Assets 2022: $39,831,9332022Assets 2023: $37,927,906Liabilities 2023: $90,876Net Assets 2023: $37,837,0302023Assets 2024: $39,692,295Liabilities 2024: $113,473Net Assets 2024: $39,578,8222024

Highlighted filing

2013

Assets$40,129,754
Liabilities$174,912
Net Assets$39,954,842
Open 2013 Filing

Operations Trend

Revenue GrowthScore unavailable

Revenue, expenses, and net income across loaded years, with this filing highlighted.

$2.0M$1.0M$0-$1.0MExpenses 2010: $1,605,8642010Expenses 2011: $1,466,8572011Expenses 2012: $1,265,6422012Revenue 2013: $1,192,491Expenses 2013: $1,120,382Net Income 2013: $72,1092013Revenue 2014: $1,064,068Expenses 2014: $1,064,033Net Income 2014: $352014Revenue 2015: $989,551Expenses 2015: $1,156,274Net Income 2015: -$166,7232015Revenue 2016: $983,220Expenses 2016: $1,285,344Net Income 2016: -$302,1242016Revenue 2017: $1,210,030Expenses 2017: $1,216,682Net Income 2017: -$6,6522017Revenue 2018: $1,414,227Expenses 2018: $1,380,779Net Income 2018: $33,4482018Revenue 2019: $1,601,036Expenses 2019: $1,461,990Net Income 2019: $139,0462019Revenue 2020: $1,690,688Expenses 2020: $1,287,838Net Income 2020: $402,8502020Revenue 2021: $1,597,501Expenses 2021: $1,217,215Net Income 2021: $380,2862021Revenue 2022: $1,402,044Expenses 2022: $1,355,486Net Income 2022: $46,5582022Revenue 2023: $1,811,020Expenses 2023: $1,833,483Net Income 2023: -$22,4632023Revenue 2024: $1,979,993Expenses 2024: $1,871,609Net Income 2024: $108,3842024

Highlighted filing

2013

Revenue$1,192,491
Expenses$1,120,382
Net Income$72,109
Open 2013 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2013 to Dec 31, 2013
Signed
May 14, 2014
Return Version
2013v3.1
Gross Receipts
$1,192,491
Mission and Program Overview

Mission

To provide financial services to credit union members such as checking and saving accounts. To provide loans for new and used cars, real estate, home equity, furniture, unsecured, etc.

Balance Sheet Detail
LineBeginningEndChange
Assets
Savings and Temporary Cash Investments$25,919,853$23,568,778▼ $2,351,075
Accounts Receivable$12,542,759$12,136,521▼ $406,238
Cash and Non-Interest-Bearing Accounts$2,652,298$3,305,026▲ $652,728
Land, Buildings, and Equipment, Net$726,201$712,717▼ $13,484
Other Notes and Loans Receivable, Net-$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-
Prepaid Expenses and Deferred Charges-$0-
Total Assets$42,261,324$40,129,754▼ $2,131,570
Other Assets Total$420,213$406,712▼ $13,501
Liabilities
Accounts Payable and Accrued Expenses$97,439$174,912▲ $77,473
Total Liabilities$97,439$174,912▲ $77,473
Net Assets / Fund Balance
Unrestricted Net Assets$42,163,885$39,954,842▼ $2,209,043
Total Net Assets Fund Balance$42,163,885$39,954,842▼ $2,209,043
Total Liabilities and Net Assets / Fund Balance$42,261,324$40,129,754▼ $2,131,570

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$576,396$260,734$837,130
Other Land Buildings$37,473$529,056$566,529
Land$86,496-$86,496
Equipment$12,352$34,643$46,995
Compensation and Service Providers
Top Officer Pay46th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Terry NowlandManager/CEOFT$92,775$92,775

Board Members and Trustees

NameTitle
Barry B PattersonChairman
Gene K MasonVice-chairman
Casiano S BuenoBoard Member
Don M WilkersonBoard Member
Gevenia M BircherBoard Member
John H PraterSecretary
Joseph PhillipsTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$766,092
Investment Income
$422,361
Other Revenue
$4,038
Change in Net Assets
$72,109
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$561,444
Salaries, Compensation, and Employee Benefits$558,938
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$341,561--$341,561
Interest$139,632--$139,632
Current Officers, Directors, Trustees, and Key Employees$92,775--$92,775
All Other Expenses$74,018--$74,018
Insurance$69,506--$69,506
Other Employee Benefits$66,610--$66,610
Occupancy$40,841--$40,841
Depreciation Depletion$39,234--$39,234
Payroll Taxes$33,422--$33,422
Pension Plan Contributions$24,570--$24,570
Other Expenses$22,477--$22,477
Office Expenses$17,283--$17,283
Fees for Services Accounting$12,306--$12,306
Advertising$11,354--$11,354
Travel$7,379--$7,379
Fees for Service Investment Mgmnt Fees$5,468--$5,468
Fees for Services Legal$3,101--$3,101
Total Functional Expenses$1,120,382$0$0$1,120,382
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
Lobbying 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-
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
Yes
Backup withholding compliance
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
No
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Line 11B: Form 990 Review Process

“Board reviews the form 990 and the annual audit report.”

Form 990, Part VI, Line 19: Other Organization Documents Publicly Available

“By request, any member may examine form 990,the annual audit report, or policy documents at the home office.”

Filing and Contact Details

Filer

EIN
75-1212934
Phone
9038824343

Signing Officer

Name
Terry Nowland
Title
Manager/CEO
Signed
2014-05-14
Discuss with paid preparer
Yes

Organization Details

Formed
1990
Legal Domicile
TX
Voting Board Members
7
Independent Board Members
7
Employees
14

Preparer

Preparer
Shirley Carson
Phone
9035615043
Supplemental Narrative

Additional Explanations

Other Changes In Net Assets Or Fund Balances - Other Decreases

“Membership equity decrease = -$2281152”

Raw XML Appendix388 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/PayrollTaxesGrp/TotalAmt033422
IRS990/PensionPlanContributionsGrp/ProgramServicesAmt024570
IRS990/PensionPlanContributionsGrp/TotalAmt024570
IRS990/PledgesAndGrantsReceivableGrp/EOYAmt00
IRS990/PoliciesReferenceChaptersInd0true
IRS990/PoliticalCampaignActyInd0false
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt00
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/BusinessCd2522100
IRS990/ProgramServiceRevenueGrp/Desc0FEE INCOME
IRS990/ProgramServiceRevenueGrp/Desc1INTEREST ON LOANS
IRS990/ProgramServiceRevenueGrp/Desc2OTHER OPERATING INCOME
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt070381
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt1689540
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt26171
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt070381
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1689540
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt26171
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYExcessBenefitTransInd0false
IRS990/PYInvestmentIncomeAmt0541567
IRS990/PymtTravelEntrtnmntPubOfclGrp/TotalAmt00
IRS990/PYOtherExpensesAmt0672194
IRS990/PYOtherRevenueAmt03943
IRS990/PYProgramServiceRevenueAmt0840267
IRS990/PYRevenuesLessExpensesAmt0120135
IRS990/PYSalariesCompEmpBnftPaidAmt0593448
IRS990/PYTotalExpensesAmt01265642
IRS990/PYTotalRevenueAmt01385777
IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt00
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt00
IRS990/ReconcilationRevenueExpnssAmt072109
IRS990/RegularMonitoringEnfrcInd0true
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0false
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RoyaltiesGrp/TotalAmt00
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
IRS990/SavingsAndTempCashInvstGrp/BOYAmt025919853
IRS990/SavingsAndTempCashInvstGrp/EOYAmt023568778
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/BuildingsGrp/BookValueAmt0576396
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0260734
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt0837130
IRS990ScheduleD/EquipmentGrp/BookValueAmt012352
IRS990ScheduleD/EquipmentGrp/DepreciationAmt034643
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt046995
IRS990ScheduleD/LandGrp/BookValueAmt086496
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt086496
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt037473
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt0529056
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt0566529
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0712717
IRS990/ScheduleJRequiredInd0false
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0BOARD REVIEWS THE FORM 990 AND THE ANNUAL AUDIT REPORT.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1BY REQUEST, ANY MEMBER MAY EXAMINE FORM 990,THE ANNUAL AUDIT REPORT, OR POLICY DOCUMENTS AT THE HOME OFFICE.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2MEMBERSHIP EQUITY DECREASE = -$2281152
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990, Part VI, Line 11b: Form 990 Review Process
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990, Part VI, Line 19: Other Organization Documents Publicly Available
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Other Changes In Net Assets Or Fund Balances - Other Decreases
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/TaxableDistributionsInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt042261324
IRS990/TotalAssetsEOYAmt040129754
IRS990/TotalAssetsGrp/BOYAmt042261324
IRS990/TotalAssetsGrp/EOYAmt040129754
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalContributionsAmt00
IRS990/TotalEmployeeCnt014
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt01120382
IRS990/TotalFunctionalExpensesGrp/TotalAmt01120382
IRS990/TotalGrossUBIAmt04038
IRS990/TotalLiabilitiesBOYAmt097439
IRS990/TotalLiabilitiesEOYAmt0174912
IRS990/TotalLiabilitiesGrp/BOYAmt097439
IRS990/TotalLiabilitiesGrp/EOYAmt0174912
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt042163885
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt039954842
IRS990/TotalProgramServiceExpensesAmt01120382
IRS990/TotalProgramServiceRevenueAmt0766092
IRS990/TotalReportableCompFromOrgAmt092775
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt01188453
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt01192491
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt04038
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt042261324
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt040129754
IRS990/TransactionWithControlEntInd0false
IRS990/TravelGrp/ProgramServicesAmt07379
IRS990/TravelGrp/TotalAmt07379
IRS990/TrnsfrExmptNonChrtblRltdOrgInd0false
IRS990/TypeOfOrganizationAssocInd0X
IRS990/UnrelatedBusIncmOverLimitInd0true
IRS990/UnrestrictedNetAssetsGrp/BOYAmt042163885
IRS990/UnrestrictedNetAssetsGrp/EOYAmt039954842
IRS990/UponRequestInd0X
IRS990/VotingMembersGoverningBodyCnt07
IRS990/VotingMembersIndependentCnt07
IRS990/WebsiteAddressTxt0N/A
IRS990/WhistleblowerPolicyInd0true
ReturnHeader/BuildTS02015-11-30 17:44:51Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0TERRY NOWLAND
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0MANAGER/CEO
ReturnHeader/BusinessOfficerGrp/SignatureDt02014-05-14
ReturnHeader/Filer/BusinessName/BusinessNameLine10KEYSTONE CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0KEYS
ReturnHeader/Filer/EIN0751212934
ReturnHeader/Filer/PhoneNum09038824343
ReturnHeader/Filer/USAddress/AddressLine10P O BOX 4970
ReturnHeader/Filer/USAddress/City0TYLER
ReturnHeader/Filer/USAddress/State0TX
ReturnHeader/Filer/USAddress/ZIPCode075712
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine10DENMAN & CARSON PC CPAS
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine101611 E 5TH STREET
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/City0TYLER
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/State0TX
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCode075701
ReturnHeader/PreparerPersonGrp/PhoneNum09035615043
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0SHIRLEY CARSON
ReturnHeader/ReturnTs02014-05-14T06:22:43-07:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02013-01-01
ReturnHeader/TaxPeriodEndDt02013-12-31
ReturnHeader/TaxYr02013

Document Assets

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Filings

Displayed year

2013 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$40,129,754
Liabilities
$174,912
Net assets
$39,954,842
Revenue
$1,192,491
Expenses
$1,120,382
Net income
$72,109
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$39.7$0.11$39.6$1.98$1.87$0.11
2023Summary only. Only limited summary data is available for this year.$37.9$0.09$37.8$1.81$1.83$0.02
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$40.0$0.19$39.8$1.40$1.36$0.05
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$39.9$0.05$39.8$1.60$1.22$0.38
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$38.8$0.13$38.7$1.69$1.29$0.40
2019Facts available. Structured filing facts are available, but richer extracted sections are limited.$36.5$0.17$36.3$1.60$1.46$0.14
2018Summary only. Only limited summary data is available for this year.$38.1$0.28$37.9$1.41$1.38$0.03
2017Summary only. Only limited summary data is available for this year.$36.3$0.03$36.3$1.21$1.22$0.01
2016Summary only. Only limited summary data is available for this year.$37.0$0.09$36.9$0.98$1.29$0.30
2015Detailed filing. Detailed filing data is available for this year.$36.9$0.12$36.8$0.99$1.16$0.17
2014Detailed filing. Detailed filing data is available for this year.$38.4$0.11$38.3$1.06$1.06$0.00
2013Detailed filing. Detailed filing data is available for this year.$40.1$0.17$40.0$1.19$1.12$0.07
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$42.3$0.10$42.2$1.27
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$41.8$0.09$41.7$1.47
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$41.7$0.16$41.5$1.61