Civic Intelligence

Keystone Credit Union

EIN 75-1212934 • 501(c)14 • Tyler, TX

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Profile

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.

P O Box 4970Tyler, TX 75712

n/A

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

2nd percentile

0.00x

Higher debt load relative to assets than 2% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Source year 2024

Liabilities / Revenue

4th percentile

0.06x

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

501(c)14 • $25M-$50M nonprofits • Source year 2024

Net Margin

37th percentile

5.5%

Higher net margin than 37% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Source year 2024

Top Officer Pay

Score unavailable

No value available

No filing with officer rows is available for this organization yet.

Asset Growth

82nd percentile

4.7%

Faster asset growth than 82% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Annualized from 2023 to 2024

Revenue Growth

49th percentile

9.3%

Faster revenue growth than 49% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets2nd percentile

Assets

Up

$39,692,295

Up $1,764,389 (+4.7%) from 2023

Liabilities

Up

$113,473

Up $22,597 (+25%) from 2023

Net Assets

Up

$39,578,822

Up $1,741,792 (+4.6%) from 2023

Operations
Liabilities / Revenue4th percentileNet Margin37th percentile

Revenue

Up

$1,979,993

Up $168,973 (+9.3%) from 2023

Expenses

Up

$1,871,609

Up $38,126 (+2.1%) from 2023

Net Income

Up

$108,384

Up $130,847 (+583%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth82nd percentile

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

$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

2024

Assets$39,692,295
Liabilities$113,473
Net Assets$39,578,822
Open 2024 Filing

Operations Trend

Revenue Growth49th percentile

Revenue, expenses, and net income by year, with the latest 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

2024

Revenue$1,979,993
Expenses$1,871,609
Net Income$108,384
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$39,692,295
Liabilities
$113,473
Net assets
$39,578,822
Revenue
$1,979,993
Expenses
$1,871,609
Net income
$108,384
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
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Nov 20, 2025
Return Version
2024v5.2
Gross Receipts
$1,979,993
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.

To provide financial services to credit union members such as checking & savings accounts

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$30,525,200$28,406,787▼ $2,118,413
Savings and Temporary Cash Investments$4,611,836$8,346,756▲ $3,734,920
Cash and Non-Interest-Bearing Accounts$1,641,106$1,930,964▲ $289,858
Land, Buildings, and Equipment, Net$733,242$627,566▼ $105,676
Prepaid Expenses and Deferred Charges$44,473$28,786▼ $15,687
Accounts Receivable-$0-
Pledges and Grants Receivable-$0-
Receivable From Disqualified Prsn-$0-
Receivables From Officers Etc-$0-
Investments Other Securities-$0-
Investments Program Related-$0-
Investments in Publicly Traded Securities-$0-
Intangible Assets-$0-
Inventories for Sale or Use-$0-
Total Assets$37,927,906$39,692,295▲ $1,764,389
Other Assets Total$372,049$351,436▼ $20,613
Liabilities
Accounts Payable and Accrued Expenses$90,876$113,473▲ $22,597
Total Liabilities$90,876$113,473▲ $22,597
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$37,837,030$39,578,822▲ $1,741,792
Total Net Assets Fund Balance$37,837,030$39,578,822▲ $1,741,792
Total Liabilities and Net Assets / Fund Balance$37,927,906$39,692,295▲ $1,764,389

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$346,186$617,343$963,529
Equipment$174,506$158,407$332,913
Other Land Buildings$8,922$317,340$326,262
Land$86,496-$86,496
Leasehold Improvements$11,456$15,312$26,768
Compensation and Service Providers
Top Officer PayScore unavailable

Employees

NameTitleFull / Part TimeBaseTotal
Angela PowersManager / CEOFT$80,359$80,359

Board Members and Trustees

NameTitle
Carl AuvilChairman
Kimberly HaleVice Chairman
Cathy ParkerBoard Member
Jason RomansBoard Member
Kyle TromblyBoard Member
John H PraterSecretary
Michael PetersonTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$1,599,912
Investment Income
$368,463
Other Revenue
$11,618
Change in Net Assets
$108,384
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$1,296,062
Salaries, Compensation, and Employee Benefits$575,547
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Interest$842,719--$842,719
Other Salaries and Wages$414,153--$414,153
Depreciation Depletion$82,399--$82,399
Current Officers, Directors, Trustees, and Key Employees---$80,359
Occupancy$39,328--$39,328
Payroll Taxes$37,933--$37,933
All Other Expenses$37,069--$37,069
Insurance$37,007--$37,007
Other Employee Benefits$32,247--$32,247
Office Expenses$27,096--$27,096
Other Expenses$18,738--$18,738
Fees for Services Accounting$17,188--$17,188
Pension Plan Contributions$10,855--$10,855
Travel$7,814--$7,814
Conferences and Meetings$6,646--$6,646
Advertising$5,729--$5,729
Fees for Service Investment Mgmnt Fees$5,447--$5,447
Fees for Services Other$5,205--$5,205
Fees for Services Legal$2,085--$2,085
Total Functional Expenses$1,791,250$0$0$1,871,609
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Subject to proxy tax
No
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Disqualified Persons-$0-
Receivables from Officers, Directors, Trustees, and Key Employees-$0-
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 35% controlled entity
No
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
Yes
Other officer compensation reviewed
Yes
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 6

“Credit unions are member based”

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

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

Form 990, Part VI, Section B, Line 12C

“A compliance report is completed annually by board members and employees”

Form 990, Part VI, Section B, Line 15A

“The board of directors determines salaries and raises.”

Form 990, Part VI, Section C, Line 18

“Available upon request, also posted in the lobby.”

Form 990, Part VI, Section C, Line 19

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

Filing and Contact Details

Filer

Filer Name
Keystone Credit Union
EIN
75-1212934
Phone
9038824343
Address
P O BOX 4970, TYLER, TX 75712

Signing Officer

Name
Angela Powers
Title
Manager / CEO
Signed
2025-11-20
Discuss with paid preparer
Yes

Organization Details

Formed
1990
Legal Domicile
TX
Voting Board Members
7
Independent Board Members
0
Employees
18

Preparer

Firm
Arms Shilling & Pye PC
Address
200 E Amherst Dr, Tyler, TX 75701
Preparer
Randy L Turner
Phone
9035618122
Supplemental Narrative

Additional Explanations

Form 990, Part XI, Line 9

“Increase in membership equity = $1633408”

Form 990, Part XII, Line 2C

“Annual audit is reviewed by the board of directors”

Raw XML AppendixShowing 400 of 415 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
IRS990/AccountantCompileOrReviewInd0false
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IRS990/AccountsPayableAccrExpnssGrp/EOYAmt0113473
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IRS990/ActivitiesConductedPrtshpInd0false
IRS990/ActivityOrMissionDesc0TO PROVIDE FINANCIAL SERVICES TO CREDIT UNION MEMBERS SUCH AS CHECKING & SAVINGS ACCOUNTS
IRS990/AdvertisingGrp/ProgramServicesAmt05729
IRS990/AdvertisingGrp/TotalAmt05729
IRS990/AllOtherExpensesGrp/ProgramServicesAmt037069
IRS990/AllOtherExpensesGrp/TotalAmt037069
IRS990/AnnualDisclosureCoveredPrsnInd0true
IRS990/AuditCommitteeInd0true
IRS990/BackupWthldComplianceInd0false
IRS990/BenefitsToMembersGrp/TotalAmt00
IRS990/BooksInCareOfDetail/PersonNm0ANGELA POWERS
IRS990/BooksInCareOfDetail/PhoneNum09038824343
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt0P O BOX 4970
IRS990/BooksInCareOfDetail/USAddress/CityNm0TYLER
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0TX
IRS990/BooksInCareOfDetail/USAddress/ZIPCd075712
IRS990/BusinessRlnWith35CtrlEntInd0false
IRS990/BusinessRlnWithFamMemInd0false
IRS990/BusinessRlnWithOrgMemInd0false
IRS990/CashNonInterestBearingGrp/BOYAmt01641106
IRS990/CashNonInterestBearingGrp/EOYAmt01930964
IRS990/ChangeToOrgDocumentsInd0false
IRS990/CntrctRcvdGreaterThan100KCnt00
IRS990/CollectionsOfArtInd0false
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt080359
IRS990/CompDisqualPersonsGrp/TotalAmt00
IRS990/CompensationFromOtherSrcsInd0false
IRS990/CompensationProcessCEOInd0true
IRS990/CompensationProcessOtherInd0true
IRS990/ConferencesMeetingsGrp/ProgramServicesAmt06646
IRS990/ConferencesMeetingsGrp/TotalAmt06646
IRS990/ConflictOfInterestPolicyInd0true
IRS990/ConservationEasementsInd0false
IRS990/ConsolidatedAuditFinclStmtInd0false
IRS990/CreditCounselingInd0false
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt0368463
IRS990/CYOtherExpensesAmt01296062
IRS990/CYOtherRevenueAmt011618
IRS990/CYProgramServiceRevenueAmt01599912
IRS990/CYRevenuesLessExpensesAmt0108384
IRS990/CYSalariesCompEmpBnftPaidAmt0575547
IRS990/CYTotalExpensesAmt01871609
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt01979993
IRS990/DecisionsSubjectToApprovaInd0false
IRS990/DeductibleArtContributionInd0false
IRS990/DeductibleNonCashContriInd0false
IRS990/DelegationOfMgmtDutiesInd0false
IRS990/DepreciationDepletionGrp/ProgramServicesAmt082399
IRS990/DepreciationDepletionGrp/TotalAmt082399
IRS990/Desc0TO PROVIDE LOANS TO MEMBERS WITH THE BEST POSSIBLE FINANCIAL SERVICES, AT FAIR AND FAVORABLE RATES AND TERMS, TO PROVIDE SAVINGS ACCOUNTS (SHARES, IRA & SHARE DRAFTS) THAT PAY FAVORABLE DIVIDENDS, AND TO PROVIDE FINANCIAL ASSISTANCE IN RIGHTS TO CREDIT.
IRS990/DescribedInSection501c3Ind0false
IRS990/DisregardedEntityInd0false
IRS990/DocumentRetentionPolicyInd0true
IRS990/DonorAdvisedFundInd0false
IRS990/DonorRstrOrQuasiEndowmentsInd0false
IRS990/ElectionOfBoardMembersInd0true
IRS990/EmployeeCnt018
IRS990/EmploymentTaxReturnsFiledInd0true
IRS990/FamilyOrBusinessRlnInd0false
IRS990/FederalGrantAuditRequiredInd0false
IRS990/FeesForServicesAccountingGrp/ProgramServicesAmt017188
IRS990/FeesForServicesAccountingGrp/TotalAmt017188
IRS990/FeesForServicesLegalGrp/ProgramServicesAmt02085
IRS990/FeesForServicesLegalGrp/TotalAmt02085
IRS990/FeesForServicesLobbyingGrp/TotalAmt00
IRS990/FeesForServicesManagementGrp/TotalAmt00
IRS990/FeesForServicesOtherGrp/ProgramServicesAmt05205
IRS990/FeesForServicesOtherGrp/TotalAmt05205
IRS990/FeesForServicesProfFundraising/TotalAmt00
IRS990/FeesForSrvcInvstMgmntFeesGrp/ProgramServicesAmt05447
IRS990/FeesForSrvcInvstMgmntFeesGrp/TotalAmt05447
IRS990/ForeignActivitiesInd0false
IRS990/ForeignFinancialAccountInd0false
IRS990/ForeignGrantsGrp/TotalAmt00
IRS990/ForeignOfficeInd0false
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt00.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt10.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt20.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt30.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt40.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt50.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt60.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt70.00
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IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt40.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt50.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt60.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt70.00
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd1X
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IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd5X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd6X
IRS990/Form990PartVIISectionAGrp/OfficerInd0X
IRS990/Form990PartVIISectionAGrp/OfficerInd1X
IRS990/Form990PartVIISectionAGrp/OfficerInd2X
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IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt10
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt20
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt30
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt40
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt50
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IRS990/Form990PartVIISectionAGrp/PersonNm0ANGELA POWERS
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IRS990/Form990PartVIISectionAGrp/TitleTxt1Chairman
IRS990/Form990PartVIISectionAGrp/TitleTxt2Treasurer
IRS990/Form990PartVIISectionAGrp/TitleTxt3Secretary
IRS990/Form990PartVIISectionAGrp/TitleTxt4Vice Chairman
IRS990/Form990PartVIISectionAGrp/TitleTxt5BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt6BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt7BOARD MEMBER
IRS990/Form990ProvidedToGvrnBodyInd0true
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IRS990/FSAuditedInd0true
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IRS990/GrantsToDomesticOrgsGrp/TotalAmt00
IRS990/GrantsToIndividualsInd0false
IRS990/GrantsToOrganizationsInd0false
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IRS990/IndependentAuditFinclStmtInd0false
IRS990/IndependentVotingMemberCnt00
IRS990/IndivRcvdGreaterThan100KCnt00
IRS990/IndoorTanningServicesInd0false
IRS990/InfoInScheduleOPartVIInd0X
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IRS990/InvestmentInJointVentureInd0false
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt00
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IRS990/LocalChaptersInd0true
IRS990/MaterialDiversionOrMisuseInd0false
IRS990/MembersOrStockholdersInd0true
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd0true
IRS990/MinutesOfGoverningBodyInd0true
IRS990/MissionDesc0TO PROVIDE FINANCIAL SERVICES TO CREDIT UNION MEMBERS SUCH AS CHECKING AND SAVINGS ACCOUNTS. TO PROVIDE LOANS FOR NEW AND USED CARS, REAL ESTATE, HOME EQUITY, FURNITURE, UNSECURED, ETC.
IRS990/MoreThan5000KToIndividualsInd0false
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IRS990/NetIncmFromFundraisingEvtGrp/TotalRevenueColumnAmt00
IRS990/NetIncomeFromGamingGrp/TotalRevenueColumnAmt00
IRS990/NetIncomeOrLossGrp/TotalRevenueColumnAmt00
IRS990/NetRentalIncomeOrLossGrp/TotalRevenueColumnAmt00
IRS990/NetUnrelatedBusTxblIncmAmt04138
IRS990/NoDonorRestrictionNetAssetsGrp/BOYAmt037837030
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IRS990/NondeductibleContributionsInd0false
IRS990/OccupancyGrp/ProgramServicesAmt039328
IRS990/OccupancyGrp/TotalAmt039328
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IRS990/OfficeExpensesGrp/TotalAmt027096
IRS990/OfficerMailingAddressInd0false
IRS990/OperateHospitalInd0false
IRS990/Organization501cInd0X
IRS990/OrganizationFollowsFASB117Ind0X
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IRS990/OtherChangesInNetAssetsAmt01633408
IRS990/OtherEmployeeBenefitsGrp/ProgramServicesAmt032247
IRS990/OtherEmployeeBenefitsGrp/TotalAmt032247
IRS990/OtherExpensesGrp/Desc0DATA PROCESSING FEES
IRS990/OtherExpensesGrp/Desc1ATM EXPENSES
IRS990/OtherExpensesGrp/Desc2LOAN SVC & CC EXPENSE
IRS990/OtherExpensesGrp/Desc3BANK SERVICE CHARGES
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IRS990/OtherExpensesGrp/ProgramServicesAmt162151
IRS990/OtherExpensesGrp/ProgramServicesAmt226021
IRS990/OtherExpensesGrp/ProgramServicesAmt318738
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IRS990/OtherExpensesGrp/TotalAmt162151
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IRS990/OtherInd0X
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IRS990/OtherRevenueMiscGrp/Desc0INS, ADMIN FEES, RENT
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IRS990/PoliticalCampaignActyInd0false
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IRS990/ProgramServiceRevenueGrp/Desc0FEE INCOME
IRS990/ProgramServiceRevenueGrp/Desc1INSURANCE ADMIN FEES
IRS990/ProgramServiceRevenueGrp/Desc2INTEREST ON LOANS
IRS990/ProgramServiceRevenueGrp/Desc3OTHER OPERATING INCOME
IRS990/ProgramServiceRevenueGrp/Desc4SALE OF FIXED ASSETS
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IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt11477291
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt28940
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IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt11477291
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt28940
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IRS990/PYOtherRevenueAmt08717
IRS990/PYProgramServiceRevenueAmt01567685
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IRS990/PYSalariesCompEmpBnftPaidAmt0594842
IRS990/PYTotalExpensesAmt01833483
IRS990/PYTotalRevenueAmt01811020
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IRS990/ReconcilationRevenueExpnssAmt0108384
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IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
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IRS990/ReportOtherLiabilitiesInd0false
IRS990/ReportProgramRelatedInvstInd0false
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IRS990ScheduleD/EquipmentGrp/DepreciationAmt0158407
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt0332913
IRS990ScheduleD/LandGrp/BookValueAmt086496
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt086496
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt011456
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IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt08922
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IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt0326262
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0627566
IRS990/ScheduleJRequiredInd0false
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0CREDIT UNIONS ARE MEMBER BASED
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1BOARD REVIEWS THE FORM 990 AND THE ANNUAL AUDIT REPORT
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2A COMPLIANCE REPORT IS COMPLETED ANNUALLY BY BOARD MEMBERS AND EMPLOYEES
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3THE BOARD OF DIRECTORS DETERMINES SALARIES AND RAISES.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4AVAILABLE UPON REQUEST, ALSO POSTED IN THE LOBBY.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5BY REQUEST, ANY MEMBER MAY EXAMINE FORM 990, THE ANNUAL AUDIT REPORT, OR POLICY DOCUMENTS AT THE HOME OFFICE.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6INCREASE IN MEMBERSHIP EQUITY = $1633408
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7ANNUAL AUDIT IS REVIEWED BY THE BOARD OF DIRECTORS
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990, Part VI, Section A, Line 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990, Part VI, Section B, Line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990, Part VI, Section B, Line 12c
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990, Part VI, Section B, Line 15a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Form 990, Part VI, Section C, Line 18
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Form 990, Part VI, Section C, Line 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6Form 990, Part XI, Line 9
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7Form 990, Part XII, Line 2c
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IRS990/SubjectToExcsTaxNetInvstIncInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/SubjToTaxRmnrtnExPrchtPymtInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TerminateOperationsInd0false
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IRS990/TotalAssetsEOYAmt039692295
IRS990/TotalAssetsGrp/BOYAmt037927906
IRS990/TotalAssetsGrp/EOYAmt039692295
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalContributionsAmt00
IRS990/TotalEmployeeCnt018
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
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IRS990/TotalFunctionalExpensesGrp/TotalAmt01871609
IRS990/TotalGrossUBIAmt05138
IRS990/TotalLiabilitiesBOYAmt090876
IRS990/TotalLiabilitiesEOYAmt0113473
IRS990/TotalLiabilitiesGrp/BOYAmt090876
IRS990/TotalLiabilitiesGrp/EOYAmt0113473
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt037837030
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IRS990/TotalProgramServiceRevenueAmt01599912
IRS990/TotalReportableCompFromOrgAmt080359
IRS990/TotalRevenueGrp/ExclusionAmt06480
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt01968375
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IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt05138
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt037927906
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IRS990/TravelGrp/ProgramServicesAmt07814
IRS990/TravelGrp/TotalAmt07814
IRS990/TypeOfOrganizationAssocInd0X
IRS990/UnrelatedBusIncmOverLimitInd0true
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt0P O BOX 4970
IRS990/USAddress/CityNm0TYLER
IRS990/USAddress/StateAbbreviationCd0TX
IRS990/USAddress/ZIPCd075712
IRS990/VotingMembersGoverningBodyCnt07
IRS990/VotingMembersIndependentCnt00
IRS990/WebsiteAddressTxt0www.keystonecu.com
IRS990/WhistleblowerPolicyInd0true
ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0ANGELA POWERS
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0MANAGER / CEO
ReturnHeader/BusinessOfficerGrp/SignatureDt02025-11-20
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0KEYSTONE CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0KEYS
ReturnHeader/Filer/EIN0751212934
ReturnHeader/Filer/PhoneNum09038824343
ReturnHeader/Filer/USAddress/AddressLine1Txt0P O BOX 4970
ReturnHeader/Filer/USAddress/CityNm0TYLER
ReturnHeader/Filer/USAddress/StateAbbreviationCd0TX

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