Civic Intelligence

Keystone Credit Union

990 • Fiscal year 2016 • EIN 75-1212934

Jan 01, 2016 to Dec 31, 2016 • Filed on Jul 19, 2017

Organization Profilewww.keystonecu.com

View Organization Page

P O Box 4970Tyler, TX 75712

(903) 882-4343

Siviq Scores

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

Liabilities / Assets

3rd percentile

0.00x

Higher debt load relative to assets than 3% of similar nonprofits.

2016 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2016

Liabilities / Revenue

4th percentile

0.10x

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

2016 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2016

Net Margin

1st percentile

-31%

Higher net margin than 1% of similar nonprofits.

2016 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2016

Top Officer Pay

11th percentile

$0

Higher top officer pay than 11% of similar nonprofits.

Top officer pay equals 0.0% of source-year revenue.

2016 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2016

Asset Growth

23rd percentile

0.3%

Faster asset growth than 23% of similar nonprofits.

2016 filings • 501(c)14 • $25M-$50M nonprofits • Annualized from 2015 to 2016

Revenue Growth

22nd percentile

-0.6%

Faster revenue growth than 22% of similar nonprofits.

2016 filings • 501(c)14 • $25M-$50M nonprofits • Annualized from 2015 to 2016

Balance Sheet
Liabilities / Assets3rd percentile

Assets

Flat

$37,041,685

Flat from 2016

Net Assets

Flat

$36,947,062

Flat from 2016

Liabilities

Flat

$94,623

Flat from 2016

Revenue And Expenses
Liabilities / Revenue4th percentileNet Margin1st percentile

Revenue

Flat

$983,220

Flat from 2016

Expenses

Flat

$1,285,344

Flat from 2016

Net Income

Flat

-$302,124

Flat from 2016

Historical Trend

Balance Sheet Trend

Asset Growth23rd 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 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

2016

Assets$37,041,685
Liabilities$94,623
Net Assets$36,947,062
Open 2016 Filing

Operations Trend

Revenue Growth22nd percentile

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 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

2016

Revenue$983,220
Expenses$1,285,344
Net Income-$302,124
Open 2016 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2016 to Dec 31, 2016
Signed
Jul 19, 2017
Return Version
2016v3.0
Gross Receipts
$983,220
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 and saving accounts

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$11,451,675$17,038,378▲ $5,586,703
Savings and Temporary Cash Investments$21,335,778$16,367,778▼ $4,968,000
Cash and Non-Interest-Bearing Accounts$3,114,485$2,603,870▼ $510,615
Land, Buildings, and Equipment, Net$673,396$650,725▼ $22,671
Total Assets$36,931,117$37,041,685▲ $110,568
Other Assets Total$355,783$380,934▲ $25,151
Liabilities
Accounts Payable and Accrued Expenses$123,843$94,623▼ $29,220
Total Liabilities$123,843$94,623▼ $29,220
Net Assets / Fund Balance
Unrestricted Net Assets$36,807,274$36,947,062▲ $139,788
Total Net Assets Fund Balance$36,807,274$36,947,062▲ $139,788
Total Liabilities and Net Assets / Fund Balance$36,931,117$37,041,685▲ $110,568

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$513,612$323,518$837,130
Other Land Buildings$41,294$569,821$611,115
Land$86,496-$86,496
Equipment$9,323$9,378$18,701
Compensation and Service Providers
Top Officer Pay11th percentile

Board Members and Trustees

NameTitle
Barry B PattersonChairman
Casiano S BuenoBoard Member
Don M WilkersonBoard Member
Gevenia M BircherBoard Member
Michael PetersonBoard Member
John H PraterSecretary
Joseph PhillipsTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$704,019
Investment Income
$275,116
Other Revenue
$4,085
Change in Net Assets
$-302,124
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$806,765
Salaries, Compensation, and Employee Benefits$478,579
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$324,334--$324,334
Interest$135,457--$135,457
Insurance$111,589--$111,589
Current Officers, Directors, Trustees, and Key Employees$97,595--$97,595
All Other Expenses$87,820--$87,820
Occupancy$59,685--$59,685
Depreciation Depletion$45,823--$45,823
Payroll Taxes$32,348--$32,348
Office Expenses$28,019--$28,019
Pension Plan Contributions$24,302--$24,302
Other Expenses$21,682--$21,682
Fees for Services Other$15,818--$15,818
Fees for Services Accounting$12,500--$12,500
Advertising$10,245--$10,245
Travel$9,879--$9,879
Conferences and Meetings$4,923--$4,923
Fees for Services Legal$3,539--$3,539
Fees for Service Investment Mgmnt Fees$2,070--$2,070
Total Functional Expenses$1,285,344$0$0$1,285,344
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
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
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
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 A, line 7A

“Per the bylaws, at the annual meeting held the first saturday of march.”

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

“Line 11a explanation - 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 15

“The board of directors determines salaries and raises.”

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.”

Form 990, Page 6, Part VI, Line 18

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

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
Terry Nowland
Title
Manager/CEO
Phone
9038824343
Signed
2017-07-19
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Terry Nowland
Formed
1990
Legal Domicile
TX
Voting Board Members
6
Independent Board Members
6
Employees
14
Volunteers
0

Preparer

Firm
Arms Shilling & Pye PC
Address
P O Box 6688, Tyler, TX 75711
Preparer
Shirley F Carson
Phone
9035618122
Supplemental Narrative

Additional Explanations

Form 990, Part XI, line 9:

“Membership equity increase 441,912.”

Form 990, Part XII, Line 2C:

“Annual audit is reviewed by board of directors”

Raw XML Appendix381 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
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IRS990/PYTotalRevenueAmt0989551
IRS990/QuidProQuoContributionsInd00
IRS990/ReconcilationRevenueExpnssAmt0-302124
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd00
IRS990/ReportProgramRelatedInvstInd00
IRS990/SavingsAndTempCashInvstGrp/BOYAmt021335778
IRS990/SavingsAndTempCashInvstGrp/EOYAmt016367778
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt0513612
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0323518
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt0837130
IRS990ScheduleD/EquipmentGrp/BookValueAmt09323
IRS990ScheduleD/EquipmentGrp/DepreciationAmt09378
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt018701
IRS990ScheduleD/LandGrp/BookValueAmt086496
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt086496
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt041294
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt0569821
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt0611115
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0650725
IRS990/ScheduleJRequiredInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0CREDIT UNIONS ARE MEMBER BASED.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1PER THE BYLAWS, AT THE ANNUAL MEETING HELD THE FIRST SATURDAY OF MARCH.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2Line 11a explanation - BOARD REVIEWS THE FORM 990 AND THE ANNUAL AUDIT REPORT.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3A COMPLIANCE REPORT IS COMPLETED ANNUALLY BY BOARD MEMBERS AND EMPLOYEES
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4THE BOARD OF DIRECTORS DETERMINES SALARIES AND RAISES.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5BY REQUEST, ANY MEMBER MAY EXAMINE FORM 990,THE ANNUAL AUDIT REPORT, OR POLICY DOCUMENTS AT THE HOME OFFICE.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6MEMBERSHIP EQUITY INCREASE 441,912.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7ANNUAL AUDIT IS REVIEWED BY BOARD OF DIRECTORS
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt8AVAILABLE UPON REQUEST, ALSO POSTED IN THE LOBBY.
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 B, line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990, Part VI, Section B, line 12c
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Form 990, Part VI, Section B, line 15
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:
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc8FORM 990, PAGE 6, PART VI, LINE 18
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/SubjectToProxyTaxInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TempOrPermanentEndowmentsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt036931117
IRS990/TotalAssetsEOYAmt037041685
IRS990/TotalAssetsGrp/BOYAmt036931117
IRS990/TotalAssetsGrp/EOYAmt037041685
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalEmployeeCnt014
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt01285344
IRS990/TotalFunctionalExpensesGrp/TotalAmt01285344
IRS990/TotalGrossUBIAmt04085
IRS990/TotalLiabilitiesBOYAmt0123843
IRS990/TotalLiabilitiesEOYAmt094623
IRS990/TotalLiabilitiesGrp/BOYAmt0123843
IRS990/TotalLiabilitiesGrp/EOYAmt094623
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt036807274
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt036947062
IRS990/TotalOtherCompensationAmt00
IRS990/TotalProgramServiceExpensesAmt01285344
IRS990/TotalProgramServiceRevenueAmt0704019
IRS990/TotalReportableCompFromOrgAmt00
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0979135
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0983220
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt04085
IRS990/TotalVolunteersCnt00
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt036931117
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt037041685
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TravelGrp/ProgramServicesAmt09879
IRS990/TravelGrp/TotalAmt09879
IRS990/TypeOfOrganizationAssocInd0X
IRS990/UnrelatedBusIncmOverLimitInd01
IRS990/UnrestrictedNetAssetsGrp/BOYAmt036807274
IRS990/UnrestrictedNetAssetsGrp/EOYAmt036947062
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt0P O BOX 4970
IRS990/USAddress/CityNm0TYLER
IRS990/USAddress/StateAbbreviationCd0TX
IRS990/USAddress/ZIPCd075712
IRS990/VotingMembersGoverningBodyCnt06
IRS990/VotingMembersIndependentCnt06
IRS990/WebsiteAddressTxt0www.keystonecu.com
IRS990/WhistleblowerPolicyInd01
ReturnHeader/BuildTS02017-02-10 21:41:12Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0TERRY NOWLAND
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0MANAGER/CEO
ReturnHeader/BusinessOfficerGrp/PhoneNum09038824343
ReturnHeader/BusinessOfficerGrp/SignatureDt02017-07-19
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
ReturnHeader/Filer/USAddress/ZIPCd075712
ReturnHeader/FilingSecurityInformation/AtSubmissionCreationDeviceId08EFE131050E6BA66E4F624ED5C2324199D3D9EC3
ReturnHeader/FilingSecurityInformation/AtSubmissionFilingDeviceId08EFE131050E6BA66E4F624ED5C2324199D3D9EC3
ReturnHeader/FilingSecurityInformation/FilingLicenseTypeCd0P
ReturnHeader/FilingSecurityInformation/IPAddress/IPv4AddressTxt075.109.196.27
ReturnHeader/FilingSecurityInformation/IPDt02017-07-19
ReturnHeader/FilingSecurityInformation/IPTimezoneCd0CD
ReturnHeader/FilingSecurityInformation/IPTm008:46:46
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0751612681
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0Arms Shilling & Pye PC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt0P O Box 6688
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0Tyler
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0TX
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd075711
ReturnHeader/PreparerPersonGrp/PhoneNum09035618122
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0Shirley F Carson
ReturnHeader/ReturnTs02017-07-19T08:46:55-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02016-01-01
ReturnHeader/TaxPeriodEndDt02016-12-31
ReturnHeader/TaxYr02016

Document Assets

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Filings

Displayed year

2016 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$37,041,685
Liabilities
$94,623
Net assets
$36,947,062
Revenue
$983,220
Expenses
$1,285,344
Net income
-$302,124
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
2016Detailed filing. Detailed filing data is available for this year.$37.0$0.09$36.9$0.98$1.29$0.30
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