Liabilities / Assets
3rd percentile
Higher debt load relative to assets than 3% of similar nonprofits.
Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.
Liabilities / Assets
3rd percentile
Higher debt load relative to assets than 3% of similar nonprofits.
Liabilities / Revenue
4th percentile
Higher debt load relative to revenue than 4% of similar nonprofits.
Net Margin
19th percentile
Higher net margin than 19% of similar nonprofits.
Top Officer Pay
53rd percentile
Higher top officer pay than 53% of similar nonprofits.
Top officer pay equals 9.3% of source-year revenue.
Asset Growth
7th percentile
Faster asset growth than 7% of similar nonprofits.
Revenue Growth
4th percentile
Faster revenue growth than 4% of similar nonprofits.
Assets
Down$38,444,931
Down $1,684,823 (-4.2%) from 2013
Net Assets
Down$38,331,186
Down $1,623,656 (-4.1%) from 2013
Liabilities
Down$113,745
Down $61,167 (-35%) from 2013
Revenue
Down$1,064,068
Down $128,423 (-11%) from 2013
Expenses
Down$1,064,033
Down $56,349 (-5.0%) from 2013
Net Income
Down$35
Down $72,074 (-100%) from 2013
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.
| Line | Beginning | End | Change |
|---|---|---|---|
| Assets | |||
| Savings and Temporary Cash Investments | $23,568,778 | $23,205,778 | ▼ $363,000 |
| Accounts Receivable | $12,136,521 | $11,674,172 | ▼ $462,349 |
| Cash and Non-Interest-Bearing Accounts | $3,305,026 | $2,472,318 | ▼ $832,708 |
| Land, Buildings, and Equipment, Net | $712,717 | $692,269 | ▼ $20,448 |
| 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 | $40,129,754 | $38,444,931 | ▼ $1,684,823 |
| Other Assets Total | $406,712 | $400,394 | ▼ $6,318 |
| Liabilities | |||
| Accounts Payable and Accrued Expenses | $174,912 | $113,745 | ▼ $61,167 |
| Total Liabilities | $174,912 | $113,745 | ▼ $61,167 |
| Net Assets / Fund Balance | |||
| Unrestricted Net Assets | $39,954,842 | $38,331,186 | ▼ $1,623,656 |
| Total Net Assets Fund Balance | $39,954,842 | $38,331,186 | ▼ $1,623,656 |
| Total Liabilities and Net Assets / Fund Balance | $40,129,754 | $38,444,931 | ▼ $1,684,823 |
| Asset | Book Value | Depreciation | Basis |
|---|---|---|---|
| Buildings | $555,468 | $281,662 | $837,130 |
| Other Land Buildings | $46,775 | $558,722 | $605,497 |
| Land | $86,496 | - | $86,496 |
| Equipment | $3,530 | $43,465 | $46,995 |
| Name | Title | Full / Part Time | Base | Total |
|---|---|---|---|---|
| Terry Nowland | Manager/CEO | FT | $99,349 | $99,349 |
| Name | Title |
|---|---|
| Barry B Patterson | Chairman |
| Gene K Mason | Vice-chairman |
| Casiano S Bueno | Board Member |
| Don M Wilkerson | Board Member |
| Gevenia M Bircher | Board Member |
| John H Prater | Secretary |
| Joseph Phillips | Treasurer |
| Line Item | Amount |
|---|---|
| Salaries, Compensation, and Employee Benefits | $538,608 |
| Other Expenses | $525,425 |
| Grants and Similar Amounts Paid | $0 |
| Professional Fundraising Fees | $0 |
| Total Fundraising Expense | $0 |
| Line Item | Program | Management | Fundraising | Total |
|---|---|---|---|---|
| Other Salaries and Wages | $320,261 | - | - | $320,261 |
| Interest | $118,541 | - | - | $118,541 |
| Current Officers, Directors, Trustees, and Key Employees | $99,349 | - | - | $99,349 |
| All Other Expenses | $94,238 | - | - | $94,238 |
| Other Employee Benefits | $61,812 | - | - | $61,812 |
| Depreciation Depletion | $59,416 | - | - | $59,416 |
| Insurance | $43,750 | - | - | $43,750 |
| Occupancy | $42,620 | - | - | $42,620 |
| Payroll Taxes | $33,369 | - | - | $33,369 |
| Pension Plan Contributions | $23,817 | - | - | $23,817 |
| Other Expenses | $18,029 | - | - | $18,029 |
| Office Expenses | $17,540 | - | - | $17,540 |
| Fees for Services Accounting | $11,545 | - | - | $11,545 |
| Travel | $9,752 | - | - | $9,752 |
| Advertising | $5,853 | - | - | $5,853 |
| Fees for Services Legal | $1,375 | - | - | $1,375 |
| Total Functional Expenses | $1,064,033 | $0 | $0 | $1,064,033 |
| Line Item | Amount |
|---|---|
| Professional Fundraising Fees | $0 |
| Line Item | Beginning | End | Change |
|---|---|---|---|
| Receivables from Disqualified Persons | - | $0 | - |
| Receivables from Officers, Directors, Trustees, and Key Employees | - | $0 | - |
“Board reviews the form 990 and the annual audit report.”
“By request, any member may examine form 990,the annual audit report, or policy documents at the home office.”
“Membership equity decrease = -$1623691”
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/AccountantCompileOrReviewInd | 0 | false |
| IRS990/AccountsPayableAccrExpnssGrp/BOYAmt | 0 | 174912 |
| IRS990/AccountsPayableAccrExpnssGrp/EOYAmt | 0 | 113745 |
| IRS990/AccountsReceivableGrp/BOYAmt | 0 | 12136521 |
| IRS990/AccountsReceivableGrp/EOYAmt | 0 | 11674172 |
| IRS990/ActivitiesConductedPrtshpInd | 0 | false |
| IRS990/ActivityOrMissionDesc | 0 | 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. |
| IRS990/AdvertisingGrp/ProgramServicesAmt | 0 | 5853 |
| IRS990/AdvertisingGrp/TotalAmt | 0 | 5853 |
| IRS990/AllAffiliatesIncludedInd | 0 | false |
| IRS990/AllOtherExpensesGrp/ProgramServicesAmt | 0 | 94238 |
| IRS990/AllOtherExpensesGrp/TotalAmt | 0 | 94238 |
| IRS990/AnnualDisclosureCoveredPrsnInd | 0 | true |
| IRS990/AuditCommitteeInd | 0 | true |
| IRS990/BackupWthldComplianceInd | 0 | false |
| IRS990/BenefitsToMembersGrp/TotalAmt | 0 | 0 |
| IRS990/BooksInCareOfDetail/PersonNm | 0 | TERRY NOWLAND |
| IRS990/BooksInCareOfDetail/PhoneNum | 0 | 9038824343 |
| IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt | 0 | P O BOX 4970 |
| IRS990/BooksInCareOfDetail/USAddress/CityNm | 0 | TYLER |
| IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd | 0 | TX |
| IRS990/BooksInCareOfDetail/USAddress/ZIPCd | 0 | 75712 |
| IRS990/BusinessRlnWithFamMemInd | 0 | false |
| IRS990/BusinessRlnWithOfficerEntInd | 0 | false |
| IRS990/BusinessRlnWithOrgMemInd | 0 | false |
| IRS990/CashNonInterestBearingGrp/BOYAmt | 0 | 3305026 |
| IRS990/CashNonInterestBearingGrp/EOYAmt | 0 | 2472318 |
| IRS990/ChangeToOrgDocumentsInd | 0 | false |
| IRS990/CntrctRcvdGreaterThan100KCnt | 0 | 0 |
| IRS990/CollectionsOfArtInd | 0 | false |
| IRS990/CompCurrentOfcrDirectorsGrp/ProgramServicesAmt | 0 | 99349 |
| IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt | 0 | 99349 |
| IRS990/CompDisqualPersonsGrp/TotalAmt | 0 | 0 |
| IRS990/CompensationFromOtherSrcsInd | 0 | false |
| IRS990/CompensationProcessCEOInd | 0 | true |
| IRS990/CompensationProcessOtherInd | 0 | false |
| IRS990/ConferencesMeetingsGrp/TotalAmt | 0 | 0 |
| IRS990/ConflictOfInterestPolicyInd | 0 | true |
| IRS990/ConservationEasementsInd | 0 | false |
| IRS990/ConsolidatedAuditFinclStmtInd | 0 | false |
| IRS990/CreditCounselingInd | 0 | false |
| IRS990/CYBenefitsPaidToMembersAmt | 0 | 0 |
| IRS990/CYContributionsGrantsAmt | 0 | 0 |
| IRS990/CYGrantsAndSimilarPaidAmt | 0 | 0 |
| IRS990/CYInvestmentIncomeAmt | 0 | 330854 |
| IRS990/CYOtherExpensesAmt | 0 | 525425 |
| IRS990/CYOtherRevenueAmt | 0 | 3684 |
| IRS990/CYProgramServiceRevenueAmt | 0 | 729530 |
| IRS990/CYRevenuesLessExpensesAmt | 0 | 35 |
| IRS990/CYSalariesCompEmpBnftPaidAmt | 0 | 538608 |
| IRS990/CYTotalExpensesAmt | 0 | 1064033 |
| IRS990/CYTotalFundraisingExpenseAmt | 0 | 0 |
| IRS990/CYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/CYTotalRevenueAmt | 0 | 1064068 |
| IRS990/DAFExcessBusinessHoldingsInd | 0 | false |
| IRS990/DecisionsSubjectToApprovaInd | 0 | false |
| IRS990/DeductibleArtContributionInd | 0 | false |
| IRS990/DeductibleNonCashContriInd | 0 | false |
| IRS990/DelegationOfMgmtDutiesInd | 0 | false |
| IRS990/DepreciationDepletionGrp/ProgramServicesAmt | 0 | 59416 |
| IRS990/DepreciationDepletionGrp/TotalAmt | 0 | 59416 |
| IRS990/Desc | 0 | TO PROVIDE LOANS TO MEMBERS WITH THE BEST POSSIBLE FINANCIAL SERVICES, AT FAIR AND FAVORABLE RATES AND TERMS, TO PROVIDE SAVING ACCOUNTS (SHARES, IRA & SHARE DRAFTS) THAT PAY FAVORABLE DIVIDENDS, AND TO PROVIDE FINANCIAL ASSISTANCE IN RIGHTS TO CREDIT. |
| IRS990/DescribedInSection501c3Ind | 0 | false |
| IRS990/DisregardedEntityInd | 0 | false |
| IRS990/DistributionToDonorInd | 0 | false |
| IRS990/DocumentRetentionPolicyInd | 0 | true |
| IRS990/DonorAdvisedFundInd | 0 | false |
| IRS990/ElectionOfBoardMembersInd | 0 | true |
| IRS990/EmployeeCnt | 0 | 15 |
| IRS990/EmploymentTaxReturnsFiledInd | 0 | true |
| IRS990/EngagedInExcessBenefitTransInd | 0 | false |
| IRS990/EscrowAccountInd | 0 | false |
| IRS990/ExpenseAmt | 0 | 1063794 |
| IRS990/FamilyOrBusinessRlnInd | 0 | false |
| IRS990/FederalGrantAuditRequiredInd | 0 | false |
| IRS990/FeesForServicesAccountingGrp/ProgramServicesAmt | 0 | 11545 |
| IRS990/FeesForServicesAccountingGrp/TotalAmt | 0 | 11545 |
| IRS990/FeesForServicesLegalGrp/ProgramServicesAmt | 0 | 1375 |
| IRS990/FeesForServicesLegalGrp/TotalAmt | 0 | 1375 |
| IRS990/FeesForServicesLobbyingGrp/TotalAmt | 0 | 0 |
| IRS990/FeesForServicesManagementGrp/TotalAmt | 0 | 0 |
| IRS990/FeesForServicesOtherGrp/TotalAmt | 0 | 0 |
| IRS990/FeesForServicesProfFundraising/TotalAmt | 0 | 0 |
| IRS990/FeesForSrvcInvstMgmntFeesGrp/TotalAmt | 0 | 0 |
| IRS990/ForeignActivitiesInd | 0 | false |
| IRS990/ForeignFinancialAccountInd | 0 | false |
| IRS990/ForeignGrantsGrp/TotalAmt | 0 | 0 |
| IRS990/ForeignOfficeInd | 0 | false |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 0 | 0.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 1 | 0.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 2 | 0.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 3 | 0.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 4 | 0.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 5 | 0.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 6 | 0.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 7 | 0.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 0 | 0.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 1 | 0.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 2 | 0.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 3 | 0.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 4 | 0.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 5 | 0.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 6 | 40.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 7 | 0.00 |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 0 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 1 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 2 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 3 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 4 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 5 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 0 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 1 | X |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 6 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 7 | 0 |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 0 | BARRY B PATTERSON |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 1 | GENE K MASON |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 2 | JOHN H PRATER |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 3 | GEVENIA M BIRCHER |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 4 | DON M WILKERSON |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 5 | CASIANO S BUENO |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 6 | TERRY NOWLAND |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 7 | JOSEPH PHILLIPS |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 6 | 99349 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 7 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 6 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 7 | 0 |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 0 | Chairman |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 1 | VICE-CHAIRMAN |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 2 | Secretary |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 3 | BOARD MEMBER |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 4 | BOARD MEMBER |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 5 | BOARD MEMBER |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 6 | MANAGER/CEO |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 7 | Treasurer |
| IRS990/Form990ProvidedToGvrnBodyInd | 0 | true |
| IRS990/Form990TFiledInd | 0 | true |
| IRS990/FormationYr | 0 | 1990 |
| IRS990/FormerOfcrEmployeesListedInd | 0 | false |
| IRS990/FSAuditedBasisGrp/SeparateBasisFinclStmtInd | 0 | X |
| IRS990/FSAuditedInd | 0 | true |
| IRS990/FundraisingActivitiesInd | 0 | false |
| IRS990/GamingActivitiesInd | 0 | false |
| IRS990/GoverningBodyVotingMembersCnt | 0 | 7 |
| IRS990/GrantsToDomesticIndividualsGrp/TotalAmt | 0 | 0 |
| IRS990/GrantsToDomesticOrgsGrp/TotalAmt | 0 | 0 |
| IRS990/GrantsToIndividualsInd | 0 | false |
| IRS990/GrantsToOrganizationsInd | 0 | false |
| IRS990/GrantToRelatedPersonInd | 0 | false |
| IRS990/GrossReceiptsAmt | 0 | 1064068 |
| IRS990/GroupReturnForAffiliatesInd | 0 | false |
| IRS990/IncludeFIN48FootnoteInd | 0 | false |
| IRS990/IncmFromInvestBondProceedsGrp/TotalRevenueColumnAmt | 0 | 0 |
| IRS990/IndependentAuditFinclStmtInd | 0 | false |
| IRS990/IndependentVotingMemberCnt | 0 | 7 |
| IRS990/IndivRcvdGreaterThan100KCnt | 0 | 0 |
| IRS990/IndoorTanningServicesInd | 0 | false |
| IRS990/InfoInScheduleOPartVIInd | 0 | X |
| IRS990/InfoInScheduleOPartXIInd | 0 | X |
| IRS990/InformationTechnologyGrp/TotalAmt | 0 | 0 |
| IRS990/InsuranceGrp/ProgramServicesAmt | 0 | 43750 |
| IRS990/InsuranceGrp/TotalAmt | 0 | 43750 |
| IRS990/IntangibleAssetsGrp/EOYAmt | 0 | 0 |
| IRS990/InterestGrp/ProgramServicesAmt | 0 | 118541 |
| IRS990/InterestGrp/TotalAmt | 0 | 118541 |
| IRS990/InventoriesForSaleOrUseGrp/EOYAmt | 0 | 0 |
| IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt | 0 | 330854 |
| IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt | 0 | 330854 |
| IRS990/InvestmentInJointVentureInd | 0 | false |
| IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt | 0 | 0 |
| IRS990/InvestmentsProgramRelatedGrp/EOYAmt | 0 | 0 |
| IRS990/InvestmentsPubTradedSecGrp/EOYAmt | 0 | 0 |
| IRS990/InvestTaxExemptBondsInd | 0 | false |
| IRS990/IRPDocumentCnt | 0 | 0 |
| IRS990/IRPDocumentW2GCnt | 0 | 0 |
| IRS990/LandBldgEquipAccumDeprecAmt | 0 | 883849 |
| IRS990/LandBldgEquipBasisNetGrp/BOYAmt | 0 | 712717 |
| IRS990/LandBldgEquipBasisNetGrp/EOYAmt | 0 | 692269 |
| IRS990/LandBldgEquipCostOrOtherBssAmt | 0 | 1576118 |
| IRS990/LegalDomicileStateCd | 0 | TX |
| IRS990/LicensedMoreThanOneStateInd | 0 | false |
| IRS990/LoanOutstandingInd | 0 | false |
| IRS990/LobbyingActivitiesInd | 0 | false |
| IRS990/LocalChaptersInd | 0 | true |
| IRS990/MaterialDiversionOrMisuseInd | 0 | false |
| IRS990/MembersOrStockholdersInd | 0 | true |
| IRS990/MethodOfAccountingAccrualInd | 0 | X |
| IRS990/MinutesOfCommitteesInd | 0 | true |
| IRS990/MinutesOfGoverningBodyInd | 0 | true |
| IRS990/MissionDesc | 0 | 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. |
| IRS990/MoreThan5000KToIndividualsInd | 0 | false |
| IRS990/MoreThan5000KToOrgInd | 0 | false |
| IRS990/NetAssetsOrFundBalancesBOYAmt | 0 | 39954842 |
| IRS990/NetAssetsOrFundBalancesEOYAmt | 0 | 38331186 |
| IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt | 0 | 0 |
| IRS990/NetIncmFromFundraisingEvtGrp/TotalRevenueColumnAmt | 0 | 0 |
| IRS990/NetIncomeFromGamingGrp/TotalRevenueColumnAmt | 0 | 0 |
| IRS990/NetIncomeOrLossGrp/TotalRevenueColumnAmt | 0 | 0 |
| IRS990/NetRentalIncomeOrLossGrp/TotalRevenueColumnAmt | 0 | 0 |
| IRS990/NetUnrelatedBusTxblIncmAmt | 0 | -9065 |
| IRS990/NondeductibleContributionsInd | 0 | false |
| IRS990/OccupancyGrp/ProgramServicesAmt | 0 | 42620 |
| IRS990/OccupancyGrp/TotalAmt | 0 | 42620 |
| IRS990/OfficeExpensesGrp/ProgramServicesAmt | 0 | 17540 |
| IRS990/OfficeExpensesGrp/TotalAmt | 0 | 17540 |
| IRS990/OfficerMailingAddressInd | 0 | false |
| IRS990/OnBehalfOfIssuerInd | 0 | false |
| IRS990/OperateHospitalInd | 0 | false |
| IRS990/Organization501cInd | 0 | X |
| IRS990/OrganizationFollowsSFAS117Ind | 0 | X |
| IRS990/OrgFiledInLieuOfForm1041Ind | 0 | false |
| IRS990/OtherAssetsTotalGrp/BOYAmt | 0 | 406712 |
| IRS990/OtherAssetsTotalGrp/EOYAmt | 0 | 400394 |
| IRS990/OtherChangesInNetAssetsAmt | 0 | -1623691 |
| IRS990/OtherEmployeeBenefitsGrp/ProgramServicesAmt | 0 | 61812 |
| IRS990/OtherEmployeeBenefitsGrp/TotalAmt | 0 | 61812 |
| IRS990/OtherExpensesGrp/Desc | 0 | DATA PROCESSING FEES |
| IRS990/OtherExpensesGrp/Desc | 1 | ATM EXPENSES |
| IRS990/OtherExpensesGrp/Desc | 2 | REAL ESTATE TAXES |
| IRS990/OtherExpensesGrp/Desc | 3 | CREDIT CARD FEES |
| IRS990/OtherExpensesGrp/ProgramServicesAmt | 0 | 44851 |
| IRS990/OtherExpensesGrp/ProgramServicesAmt | 1 | 35791 |
| IRS990/OtherExpensesGrp/ProgramServicesAmt | 2 | 22124 |
| IRS990/OtherExpensesGrp/ProgramServicesAmt | 3 | 18029 |
| IRS990/OtherExpensesGrp/TotalAmt | 0 | 44851 |
| IRS990/OtherExpensesGrp/TotalAmt | 1 | 35791 |
| IRS990/OtherExpensesGrp/TotalAmt | 2 | 22124 |
| IRS990/OtherExpensesGrp/TotalAmt | 3 | 18029 |
| IRS990/OtherRevenueMiscGrp/BusinessCd | 0 | 900003 |
| IRS990/OtherRevenueMiscGrp/Desc | 0 | INS ADM FEES |
| IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt | 0 | 3684 |
| IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt | 0 | 3684 |
| IRS990/OtherRevenueTotalAmt | 0 | 3684 |
| IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt | 0 | 320261 |
| IRS990/OtherSalariesAndWagesGrp/TotalAmt | 0 | 320261 |
| IRS990/OthNotesLoansReceivableNetGrp/EOYAmt | 0 | 0 |
| IRS990/PartialLiquidationInd | 0 | false |
| IRS990/PaymentsToAffiliatesGrp/TotalAmt | 0 | 0 |
| IRS990/PayrollTaxesGrp/ProgramServicesAmt | 0 | 33369 |
| IRS990/PayrollTaxesGrp/TotalAmt | 0 | 33369 |
| IRS990/PensionPlanContributionsGrp/ProgramServicesAmt | 0 | 23817 |
| IRS990/PensionPlanContributionsGrp/TotalAmt | 0 | 23817 |
| IRS990/PledgesAndGrantsReceivableGrp/EOYAmt | 0 | 0 |
| IRS990/PoliciesReferenceChaptersInd | 0 | true |
| IRS990/PoliticalCampaignActyInd | 0 | false |
| IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt | 0 | 0 |
| IRS990/ProfessionalFundraisingInd | 0 | false |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 0 | 522100 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 1 | 522100 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 2 | 522100 |
| IRS990/ProgramServiceRevenueGrp/Desc | 0 | FEE INCOME |
| IRS990/ProgramServiceRevenueGrp/Desc | 1 | INTEREST ON LOANS |
| IRS990/ProgramServiceRevenueGrp/Desc | 2 | OTHER OPERATING INCOME |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 72292 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 1 | 647188 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 2 | 10050 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 0 | 72292 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 1 | 647188 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 2 | 10050 |
| IRS990/ProhibitedTaxShelterTransInd | 0 | false |
| IRS990/PYExcessBenefitTransInd | 0 | false |
| IRS990/PYInvestmentIncomeAmt | 0 | 422361 |
| IRS990/PymtTravelEntrtnmntPubOfclGrp/TotalAmt | 0 | 0 |
| IRS990/PYOtherExpensesAmt | 0 | 561444 |
| IRS990/PYOtherRevenueAmt | 0 | 4038 |
| IRS990/PYProgramServiceRevenueAmt | 0 | 766092 |
| IRS990/PYRevenuesLessExpensesAmt | 0 | 72109 |
| IRS990/PYSalariesCompEmpBnftPaidAmt | 0 | 558938 |
| IRS990/PYTotalExpensesAmt | 0 | 1120382 |
| IRS990/PYTotalRevenueAmt | 0 | 1192491 |
| IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt | 0 | 0 |
| IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt | 0 | 0 |
| IRS990/ReconcilationRevenueExpnssAmt | 0 | 35 |
| IRS990/RegularMonitoringEnfrcInd | 0 | true |
| IRS990/RelatedEntityInd | 0 | false |
| IRS990/RelatedOrganizationCtrlEntInd | 0 | false |
| IRS990/ReportInvestmentsOtherSecInd | 0 | false |
| IRS990/ReportLandBuildingEquipmentInd | 0 | true |
| IRS990/ReportOtherAssetsInd | 0 | false |
| IRS990/ReportOtherLiabilitiesInd | 0 | false |
| IRS990/ReportProgramRelatedInvstInd | 0 | false |
| IRS990/RoyaltiesGrp/TotalAmt | 0 | 0 |
| IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt | 0 | 0 |
| IRS990/SavingsAndTempCashInvstGrp/BOYAmt | 0 | 23568778 |
| IRS990/SavingsAndTempCashInvstGrp/EOYAmt | 0 | 23205778 |
| IRS990/ScheduleBRequiredInd | 0 | false |
| IRS990ScheduleD/BuildingsGrp/BookValueAmt | 0 | 555468 |
| IRS990ScheduleD/BuildingsGrp/DepreciationAmt | 0 | 281662 |
| IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt | 0 | 837130 |
| IRS990ScheduleD/EquipmentGrp/BookValueAmt | 0 | 3530 |
| IRS990ScheduleD/EquipmentGrp/DepreciationAmt | 0 | 43465 |
| IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt | 0 | 46995 |
| IRS990ScheduleD/LandGrp/BookValueAmt | 0 | 86496 |
| IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt | 0 | 86496 |
| IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt | 0 | 46775 |
| IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt | 0 | 558722 |
| IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt | 0 | 605497 |
| IRS990ScheduleD/TotalBookValueLandBuildingsAmt | 0 | 692269 |
| IRS990/ScheduleJRequiredInd | 0 | false |
| IRS990/ScheduleORequiredInd | 0 | true |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 0 | BOARD REVIEWS THE FORM 990 AND THE ANNUAL AUDIT REPORT. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 1 | BY REQUEST, ANY MEMBER MAY EXAMINE FORM 990,THE ANNUAL AUDIT REPORT, OR POLICY DOCUMENTS AT THE HOME OFFICE. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 2 | MEMBERSHIP EQUITY DECREASE = -$1623691 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 0 | Form 990, Part VI, Line 11b: Form 990 Review Process |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 1 | Form 990, Part VI, Line 19: Other Organization Documents Publicly Available |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 2 | Other Changes In Net Assets Or Fund Balances - Other Decreases |
| IRS990/SchoolOperatingInd | 0 | false |
| IRS990/SignificantChangeInd | 0 | false |
| IRS990/SignificantNewProgramSrvcInd | 0 | false |
| IRS990/SubjectToProxyTaxInd | 0 | false |
| IRS990/TaxableDistributionsInd | 0 | false |
| IRS990/TaxablePartyNotificationInd | 0 | false |
| IRS990/TaxExemptBondsInd | 0 | false |
| IRS990/TempOrPermanentEndowmentsInd | 0 | false |
| IRS990/TerminateOperationsInd | 0 | false |
| IRS990/TotalAssetsBOYAmt | 0 | 40129754 |
| IRS990/TotalAssetsEOYAmt | 0 | 38444931 |
| IRS990/TotalAssetsGrp/BOYAmt | 0 | 40129754 |
| IRS990/TotalAssetsGrp/EOYAmt | 0 | 38444931 |
| IRS990/TotalCompGreaterThan150KInd | 0 | false |
| IRS990/TotalContributionsAmt | 0 | 0 |
| IRS990/TotalEmployeeCnt | 0 | 15 |
| IRS990/TotalFunctionalExpensesGrp/FundraisingAmt | 0 | 0 |
| IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt | 0 | 0 |
| IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt | 0 | 1064033 |
| IRS990/TotalFunctionalExpensesGrp/TotalAmt | 0 | 1064033 |
| IRS990/TotalGrossUBIAmt | 0 | 3684 |
| IRS990/TotalLiabilitiesBOYAmt | 0 | 174912 |
| IRS990/TotalLiabilitiesEOYAmt | 0 | 113745 |
| IRS990/TotalLiabilitiesGrp/BOYAmt | 0 | 174912 |
| IRS990/TotalLiabilitiesGrp/EOYAmt | 0 | 113745 |
| IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt | 0 | 39954842 |
| IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt | 0 | 38331186 |
| IRS990/TotalProgramServiceExpensesAmt | 0 | 1063794 |
| IRS990/TotalProgramServiceRevenueAmt | 0 | 729530 |
| IRS990/TotalReportableCompFromOrgAmt | 0 | 99349 |
| IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 1060384 |
| IRS990/TotalRevenueGrp/TotalRevenueColumnAmt | 0 | 1064068 |
| IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt | 0 | 3684 |
| IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt | 0 | 40129754 |
| IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt | 0 | 38444931 |
| IRS990/TransactionWithControlEntInd | 0 | false |
| IRS990/TravelGrp/ProgramServicesAmt | 0 | 9752 |
| IRS990/TravelGrp/TotalAmt | 0 | 9752 |
| IRS990/TrnsfrExmptNonChrtblRltdOrgInd | 0 | false |
| IRS990/TypeOfOrganizationAssocInd | 0 | X |
| IRS990/UnrelatedBusIncmOverLimitInd | 0 | true |
| IRS990/UnrestrictedNetAssetsGrp/BOYAmt | 0 | 39954842 |
| IRS990/UnrestrictedNetAssetsGrp/EOYAmt | 0 | 38331186 |
| IRS990/UponRequestInd | 0 | X |
| IRS990/VotingMembersGoverningBodyCnt | 0 | 7 |
| IRS990/VotingMembersIndependentCnt | 0 | 7 |
| IRS990/WebsiteAddressTxt | 0 | N/A |
| IRS990/WhistleblowerPolicyInd | 0 | true |
| ReturnHeader/BuildTS | 0 | 2016-03-07 17:11:31Z |
| ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd | 0 | true |
| ReturnHeader/BusinessOfficerGrp/PersonNm | 0 | TERRY NOWLAND |
| ReturnHeader/BusinessOfficerGrp/PersonTitleTxt | 0 | MANAGER/CEO |
| ReturnHeader/BusinessOfficerGrp/SignatureDt | 0 | 2015-05-14 |
| ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt | 0 | KEYSTONE CREDIT UNION |
| ReturnHeader/Filer/BusinessNameControlTxt | 0 | KEYS |
| ReturnHeader/Filer/EIN | 0 | 751212934 |
| ReturnHeader/Filer/PhoneNum | 0 | 9038824343 |
| ReturnHeader/Filer/USAddress/AddressLine1Txt | 0 | P O BOX 4970 |
| ReturnHeader/Filer/USAddress/CityNm | 0 | TYLER |
| ReturnHeader/Filer/USAddress/StateAbbreviationCd | 0 | TX |
| ReturnHeader/Filer/USAddress/ZIPCd | 0 | 75712 |
| ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt | 0 | DENMAN & CARSON PC CPAS |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt | 0 | 1611 E 5TH STREET |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm | 0 | TYLER |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd | 0 | TX |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd | 0 | 75701 |
| ReturnHeader/PreparerPersonGrp/PhoneNum | 0 | 9035615043 |
| ReturnHeader/PreparerPersonGrp/PreparerPersonNm | 0 | SHIRLEY CARSON |
| ReturnHeader/ReturnTs | 0 | 2015-05-14T11:58:24-07:00 |
| ReturnHeader/ReturnTypeCd | 0 | 990 |
| ReturnHeader/TaxPeriodBeginDt | 0 | 2014-01-01 |
| ReturnHeader/TaxPeriodEndDt | 0 | 2014-12-31 |
| ReturnHeader/TaxYr | 0 | 2014 |
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Displayed year
2014 • Form 990Detailed filing. Detailed filing data is available for this year.