Civic Intelligence

Keystone Credit Union

990 • Fiscal year 2018 • EIN 75-1212934

Jan 01, 2018 to Dec 31, 2018 • Filed on Jun 13, 2019

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

6th percentile

0.01x

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

2018 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2018

Liabilities / Revenue

7th percentile

0.20x

Higher debt load relative to revenue than 7% of similar nonprofits.

2018 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2018

Net Margin

14th percentile

2.4%

Higher net margin than 14% of similar nonprofits.

2018 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2018

Top Officer Pay

44th percentile

$99,904

Higher top officer pay than 44% of similar nonprofits.

Top officer pay equals 7.1% of source-year revenue.

2018 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2018

Asset Growth

86th percentile

5.1%

Faster asset growth than 86% of similar nonprofits.

2018 filings • 501(c)14 • $25M-$50M nonprofits • Annualized from 2017 to 2018

Revenue Growth

87th percentile

17%

Faster revenue growth than 87% of similar nonprofits.

2018 filings • 501(c)14 • $25M-$50M nonprofits • Annualized from 2017 to 2018

Balance Sheet
Liabilities / Assets6th percentile

Assets

Flat

$38,135,050

Flat from 2018

Net Assets

Flat

$37,857,148

Flat from 2018

Liabilities

Flat

$277,902

Flat from 2018

Revenue And Expenses
Liabilities / Revenue7th percentileNet Margin14th percentile

Revenue

Flat

$1,414,227

Flat from 2018

Expenses

Flat

$1,380,779

Flat from 2018

Net Income

Flat

$33,448

Flat from 2018

Historical Trend

Balance Sheet Trend

Asset Growth86th 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 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

2018

Assets$38,135,050
Liabilities$277,902
Net Assets$37,857,148
Open 2018 Filing

Operations Trend

Revenue Growth87th 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 2017: $1,210,030Expenses 2017: $1,216,682Net Income 2017: -$6,6522017Revenue 2018: $1,414,227Expenses 2018: $1,380,779Net Income 2018: $33,4482018Revenue 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

2018

Revenue$1,414,227
Expenses$1,380,779
Net Income$33,448
Open 2018 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2018 to Dec 31, 2018
Signed
Jun 13, 2019
Return Version
2018v3.1
Gross Receipts
$1,429,595
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$24,110,101$29,672,711▲ $5,562,610
Savings and Temporary Cash Investments$8,672,778$4,976,840▼ $3,695,938
Cash and Non-Interest-Bearing Accounts$2,470,986$2,450,586▼ $20,400
Land, Buildings, and Equipment, Net$640,318$609,415▼ $30,903
Prepaid Expenses and Deferred Charges$71,299$77,145▲ $5,846
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$36,301,696$38,135,050▲ $1,833,354
Other Assets Total$336,214$348,353▲ $12,139
Liabilities
Other Liabilities-$220,013-
Accounts Payable and Accrued Expenses$32,489$57,889▲ $25,400
Total Liabilities$32,489$277,902▲ $245,413
Net Assets / Fund Balance
Unrestricted Net Assets$36,269,207$37,857,148▲ $1,587,941
Total Net Assets Fund Balance$36,269,207$37,857,148▲ $1,587,941
Total Liabilities and Net Assets / Fund Balance$36,301,696$38,135,050▲ $1,833,354

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$471,755$491,774$963,529
Equipment$51,164$214,332$265,496
Land$86,496-$86,496
Compensation and Service Providers
Top Officer Pay44th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Terry NowlandManager / CEOFT$99,904$99,904

Board Members and Trustees

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

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$1,286,076
Investment Income
$120,012
Other Revenue
$8,139
Change in Net Assets
$33,448
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$838,602
Salaries, Compensation, and Employee Benefits$542,177
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$339,323--$339,323
Interest$217,371--$217,371
Current Officers, Directors, Trustees, and Key Employees$99,904--$99,904
All Other Expenses$97,279--$97,279
Occupancy$70,301--$70,301
Other Employee Benefits$54,909--$54,909
Depreciation Depletion$47,050--$47,050
Payroll Taxes$33,633--$33,633
Insurance$31,869--$31,869
Office Expenses$30,213--$30,213
Other Expenses$29,452--$29,452
Pension Plan Contributions$14,408--$14,408
Fees for Services Accounting$12,600--$12,600
Conferences and Meetings$6,136--$6,136
Fees for Service Investment Mgmnt Fees$5,867--$5,867
Travel$4,060--$4,060
Fees for Services Other$4,037--$4,037
Advertising$3,244--$3,244
Fees for Services Legal$988--$988
Total Functional Expenses$1,380,779$0$0$1,380,779
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-
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Drafts Payable$220,013
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
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, Line 6: Explanation of Classes of Members or Shareholder

“Credit unions are member based”

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 12C: Explanation of Monitoring and Enforcement of Conflicts

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

Form 990, Part VI, Line 15A: Compensation Review & Approval Process - CEO, Top Management

“The board of directors determines salaries and raises.”

Form 990, Part VI, Line 18: Explanation of Other Means Forms Available For Public Inspection

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

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

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
Signed
2019-06-13
Discuss with paid preparer
Yes

Organization Details

Formed
1990
Legal Domicile
TX
Voting Board Members
7
Independent Board Members
0
Employees
15

Preparer

Firm
Arms Shilling & Pye PC
Address
200 E Amherst Dr, Tyler, TX 75701
Preparer
Shirley Carson CPA
Phone
9035618122
Supplemental Narrative

Additional Explanations

Other Changes In Net Assets Or Fund Balances - Other Increases

“Membership equity increase = $1554493”

Form 990, Part XII, Line 2: Change of Oversight or Selection Process

“Annual audit is reviewed by the board of directors”

Raw XML AppendixShowing 400 of 420 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/OccupancyGrp/ProgramServicesAmt070301
IRS990/OccupancyGrp/TotalAmt070301
IRS990/OfficeExpensesGrp/ProgramServicesAmt030213
IRS990/OfficeExpensesGrp/TotalAmt030213
IRS990/OfficerMailingAddressInd0false
IRS990/OnBehalfOfIssuerInd0false
IRS990/OperateHospitalInd0false
IRS990/Organization501cInd0X
IRS990/OrganizationFollowsSFAS117Ind0X
IRS990/OrgFiledInLieuOfForm1041Ind0false
IRS990/OtherAssetsTotalGrp/BOYAmt0336214
IRS990/OtherAssetsTotalGrp/EOYAmt0348353
IRS990/OtherChangesInNetAssetsAmt01554493
IRS990/OtherEmployeeBenefitsGrp/ProgramServicesAmt054909
IRS990/OtherEmployeeBenefitsGrp/TotalAmt054909
IRS990/OtherExpensesGrp/Desc0PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/Desc1DATA PROCESSING FEES
IRS990/OtherExpensesGrp/Desc2ATM EXPENSES
IRS990/OtherExpensesGrp/Desc3INDIRECT EXPENSES
IRS990/OtherExpensesGrp/ProgramServicesAmt0176976
IRS990/OtherExpensesGrp/ProgramServicesAmt166376
IRS990/OtherExpensesGrp/ProgramServicesAmt234783
IRS990/OtherExpensesGrp/ProgramServicesAmt329452
IRS990/OtherExpensesGrp/TotalAmt0176976
IRS990/OtherExpensesGrp/TotalAmt166376
IRS990/OtherExpensesGrp/TotalAmt234783
IRS990/OtherExpensesGrp/TotalAmt329452
IRS990/OtherInd0X
IRS990/OtherLiabilitiesGrp/EOYAmt0220013
IRS990/OtherRevenueMiscGrp/Desc0INS ADM FEES, RENT
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt08139
IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt08139
IRS990/OtherRevenueTotalAmt08139
IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt0339323
IRS990/OtherSalariesAndWagesGrp/TotalAmt0339323
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt024110101
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt029672711
IRS990/PartialLiquidationInd0false
IRS990/PaymentsToAffiliatesGrp/TotalAmt00
IRS990/PayrollTaxesGrp/ProgramServicesAmt033633
IRS990/PayrollTaxesGrp/TotalAmt033633
IRS990/PensionPlanContributionsGrp/ProgramServicesAmt014408
IRS990/PensionPlanContributionsGrp/TotalAmt014408
IRS990/PledgesAndGrantsReceivableGrp/EOYAmt00
IRS990/PoliciesReferenceChaptersInd0true
IRS990/PoliticalCampaignActyInd0false
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt071299
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt077145
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/RelatedOrExemptFuncIncomeAmt0130512
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt11109806
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt245758
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt0130512
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt11109806
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt245758
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYInvestmentIncomeAmt0176148
IRS990/PymtTravelEntrtnmntPubOfclGrp/TotalAmt00
IRS990/PYOtherExpensesAmt0744394
IRS990/PYOtherRevenueAmt06379
IRS990/PYProgramServiceRevenueAmt01027503
IRS990/PYRevenuesLessExpensesAmt0-6652
IRS990/PYSalariesCompEmpBnftPaidAmt0472288
IRS990/PYTotalExpensesAmt01216682
IRS990/PYTotalRevenueAmt01210030
IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt00
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt00
IRS990/ReconcilationRevenueExpnssAmt033448
IRS990/RegularMonitoringEnfrcInd0true
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RoyaltiesGrp/TotalAmt00
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
IRS990/SavingsAndTempCashInvstGrp/BOYAmt08672778
IRS990/SavingsAndTempCashInvstGrp/EOYAmt04976840
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/BuildingsGrp/BookValueAmt0471755
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0491774
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt0963529
IRS990ScheduleD/EquipmentGrp/BookValueAmt051164
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0214332
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt0265496
IRS990ScheduleD/LandGrp/BookValueAmt086496
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt086496
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0220013
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0DRAFTS PAYABLE
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0609415
IRS990ScheduleD/TotalLiabilityAmt0220013
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/ExplanationTxt6MEMBERSHIP EQUITY INCREASE = $1554493
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7ANNUAL AUDIT IS REVIEWED BY THE BOARD OF DIRECTORS
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990, Part VI, Line 6: Explanation of Classes of Members or Shareholder
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990, Part VI, Line 11b: Form 990 Review Process
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990, Part VI, Line 12c: Explanation of Monitoring and Enforcement of Conflicts
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990, Part VI, Line 15a: Compensation Review & Approval Process - CEO, Top Management
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Form 990, Part VI, Line 18: Explanation of Other Means Forms Available For Public Inspection
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Form 990, Part VI, Line 19: Other Organization Documents Publicly Available
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6Other Changes In Net Assets Or Fund Balances - Other Increases
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7Form 990, Part XII, Line 2: Change of Oversight or Selection Process
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/SubjectToExcsTaxNetInvstIncInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/SubjToTaxRmnrtnExPrchtPymtInd0false
IRS990/TaxableDistributionsInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt036301696
IRS990/TotalAssetsEOYAmt038135050
IRS990/TotalAssetsGrp/BOYAmt036301696
IRS990/TotalAssetsGrp/EOYAmt038135050
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalContributionsAmt00
IRS990/TotalEmployeeCnt015
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt01380779
IRS990/TotalFunctionalExpensesGrp/TotalAmt01380779
IRS990/TotalGrossUBIAmt08139
IRS990/TotalLiabilitiesBOYAmt032489
IRS990/TotalLiabilitiesEOYAmt0277902
IRS990/TotalLiabilitiesGrp/BOYAmt032489
IRS990/TotalLiabilitiesGrp/EOYAmt0277902
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt036269207
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt037857148
IRS990/TotalProgramServiceRevenueAmt01286076
IRS990/TotalReportableCompFromOrgAmt099904
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt01406088
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt01414227
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt08139
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt036301696
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt038135050
IRS990/TravelGrp/ProgramServicesAmt04060
IRS990/TravelGrp/TotalAmt04060
IRS990/TypeOfOrganizationAssocInd0X
IRS990/UnrelatedBusIncmOverLimitInd0true
IRS990/UnrestrictedNetAssetsGrp/BOYAmt036269207
IRS990/UnrestrictedNetAssetsGrp/EOYAmt037857148
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/BuildTS02019-02-21 02:37:17Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0TERRY NOWLAND
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0MANAGER / CEO
ReturnHeader/BusinessOfficerGrp/SignatureDt02019-06-13
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0KEYSTONE CREDIT UNION

Document Assets

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Filings

Displayed year

2018 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$38,135,050
Liabilities
$277,902
Net assets
$37,857,148
Revenue
$1,414,227
Expenses
$1,380,779
Net income
$33,448
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
2018Detailed filing. Detailed filing data is available for this year.$38.1$0.28$37.9$1.41$1.38$0.03
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