Civic Intelligence

Keystone Credit Union

990 • Fiscal year 2019 • EIN 75-1212934

Jan 01, 2019 to Dec 31, 2019 • Filed on Aug 18, 2020

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

5th percentile

0.00x

Higher debt load relative to assets than 5% of similar nonprofits.

2019 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2019

Liabilities / Revenue

5th percentile

0.11x

Higher debt load relative to revenue than 5% of similar nonprofits.

2019 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2019

Net Margin

38th percentile

8.7%

Higher net margin than 38% of similar nonprofits.

2019 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2019

Top Officer Pay

10th percentile

$0

Higher top officer pay than 10% of similar nonprofits.

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

2019 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2019

Asset Growth

4th percentile

-4.4%

Faster asset growth than 4% of similar nonprofits.

2019 filings • 501(c)14 • $25M-$50M nonprofits • Annualized from 2018 to 2019

Revenue Growth

86th percentile

13%

Faster revenue growth than 86% of similar nonprofits.

2019 filings • 501(c)14 • $25M-$50M nonprofits • Annualized from 2018 to 2019

Balance Sheet
Liabilities / Assets5th percentile

Assets

Down

$36,471,487

Down $1,663,563 (-4.4%) from 2018

Net Assets

Down

$36,299,295

Down $1,557,853 (-4.1%) from 2018

Liabilities

Down

$172,192

Down $105,710 (-38%) from 2018

Revenue And Expenses
Liabilities / Revenue5th percentileNet Margin38th percentile

Revenue

Up

$1,601,036

Up $186,809 (+13%) from 2018

Expenses

Up

$1,461,990

Up $81,211 (+5.9%) from 2018

Net Income

Up

$139,046

Up $105,598 (+316%) from 2018

Historical Trend

Balance Sheet Trend

Asset Growth4th percentile

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

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

Highlighted filing

2019

Assets$36,471,487
Liabilities$172,192
Net Assets$36,299,295
Open 2019 Filing

Operations Trend

Revenue Growth86th 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 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

2019

Revenue$1,601,036
Expenses$1,461,990
Net Income$139,046
Open 2019 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2019 to Dec 31, 2019
Signed
Aug 18, 2020
Return Version
2019v5.0
Gross Receipts
$1,601,036
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$29,672,711$32,838,560▲ $3,165,849
Cash and Non-Interest-Bearing Accounts$2,450,586$2,059,806▼ $390,780
Savings and Temporary Cash Investments$4,976,840$578,855▼ $4,397,985
Land, Buildings, and Equipment, Net$609,415$570,648▼ $38,767
Prepaid Expenses and Deferred Charges$77,145$85,103▲ $7,958
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$38,135,050$36,471,487▼ $1,663,563
Other Assets Total$348,353$338,515▼ $9,838
Liabilities
Other Liabilities$220,013$103,581▼ $116,432
Accounts Payable and Accrued Expenses$57,889$68,611▲ $10,722
Total Liabilities$277,902$172,192▼ $105,710
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$37,857,148$36,299,295▼ $1,557,853
Total Net Assets Fund Balance$37,857,148$36,299,295▼ $1,557,853
Total Liabilities and Net Assets / Fund Balance$38,135,050$36,471,487▼ $1,663,563

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$450,827$512,702$963,529
Equipment$33,325$240,029$273,354
Land$86,496-$86,496
Compensation and Service Providers
Top Officer Pay10th percentile

Board Members and Trustees

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

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$1,501,281
Investment Income
$90,368
Other Revenue
$9,387
Change in Net Assets
$139,046
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$857,699
Salaries, Compensation, and Employee Benefits$604,291
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$497,519--$497,519
Interest$253,169--$253,169
All Other Expenses$97,619--$97,619
Occupancy$60,136--$60,136
Other Employee Benefits$53,987--$53,987
Depreciation Depletion$43,289--$43,289
Payroll Taxes$38,780--$38,780
Insurance$34,037--$34,037
Office Expenses$33,176--$33,176
Other Expenses$28,356--$28,356
Pension Plan Contributions$14,005--$14,005
Fees for Services Accounting$12,600--$12,600
Advertising$7,165--$7,165
Conferences and Meetings$6,054--$6,054
Fees for Service Investment Mgmnt Fees$5,958--$5,958
Fees for Services Other$4,395--$4,395
Payment Travel Entrtnmnt Publicly Ofcl$3,780--$3,780
Fees for Services Legal$1,307--$1,307
Total Functional Expenses$1,461,990$0$0$1,461,990
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$103,581
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, 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
2020-08-18
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
Phone
9035618122
Supplemental Narrative

Additional Explanations

Other Changes In Net Assets Or Fund Balances - Other Decreases

“Decrease in membership equity = -$1696899”

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 413 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
IRS990/AccountsPayableAccrExpnssGrp/BOYAmt057889
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt068611
IRS990/AccountsReceivableGrp/EOYAmt00
IRS990/ActivitiesConductedPrtshpInd0false
IRS990/ActivityOrMissionDesc0TO PROVIDE FINANCIAL SERVICES TO CREDIT UNION MEMBERS SUCH AS CHECKING & SAVINGS ACCOUNTS
IRS990/AdvertisingGrp/ProgramServicesAmt07165
IRS990/AdvertisingGrp/TotalAmt07165
IRS990/AllOtherExpensesGrp/ProgramServicesAmt097619
IRS990/AllOtherExpensesGrp/TotalAmt097619
IRS990/AnnualDisclosureCoveredPrsnInd0true
IRS990/AuditCommitteeInd0true
IRS990/BackupWthldComplianceInd0false
IRS990/BenefitsToMembersGrp/TotalAmt00
IRS990/BooksInCareOfDetail/PersonNm0TERRY NOWLAND
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/BOYAmt02450586
IRS990/CashNonInterestBearingGrp/EOYAmt02059806
IRS990/ChangeToOrgDocumentsInd0false
IRS990/CntrctRcvdGreaterThan100KCnt00
IRS990/CollectionsOfArtInd0false
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt00
IRS990/CompDisqualPersonsGrp/TotalAmt00
IRS990/CompensationFromOtherSrcsInd0false
IRS990/CompensationProcessCEOInd0true
IRS990/CompensationProcessOtherInd0true
IRS990/ConferencesMeetingsGrp/ProgramServicesAmt06054
IRS990/ConferencesMeetingsGrp/TotalAmt06054
IRS990/ConflictOfInterestPolicyInd0true
IRS990/ConservationEasementsInd0false
IRS990/ConsolidatedAuditFinclStmtInd0false
IRS990/CreditCounselingInd0false
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt090368
IRS990/CYOtherExpensesAmt0857699
IRS990/CYOtherRevenueAmt09387
IRS990/CYProgramServiceRevenueAmt01501281
IRS990/CYRevenuesLessExpensesAmt0139046
IRS990/CYSalariesCompEmpBnftPaidAmt0604291
IRS990/CYTotalExpensesAmt01461990
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt01601036
IRS990/DecisionsSubjectToApprovaInd0false
IRS990/DeductibleArtContributionInd0false
IRS990/DeductibleNonCashContriInd0false
IRS990/DelegationOfMgmtDutiesInd0false
IRS990/DepreciationDepletionGrp/ProgramServicesAmt043289
IRS990/DepreciationDepletionGrp/TotalAmt043289
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/EmployeeCnt015
IRS990/EmploymentTaxReturnsFiledInd0true
IRS990/FamilyOrBusinessRlnInd0false
IRS990/FederalGrantAuditRequiredInd0false
IRS990/FeesForServicesAccountingGrp/ProgramServicesAmt012600
IRS990/FeesForServicesAccountingGrp/TotalAmt012600
IRS990/FeesForServicesLegalGrp/ProgramServicesAmt01307
IRS990/FeesForServicesLegalGrp/TotalAmt01307
IRS990/FeesForServicesLobbyingGrp/TotalAmt00
IRS990/FeesForServicesManagementGrp/TotalAmt00
IRS990/FeesForServicesOtherGrp/ProgramServicesAmt04395
IRS990/FeesForServicesOtherGrp/TotalAmt04395
IRS990/FeesForServicesProfFundraising/TotalAmt00
IRS990/FeesForSrvcInvstMgmntFeesGrp/ProgramServicesAmt05958
IRS990/FeesForSrvcInvstMgmntFeesGrp/TotalAmt05958
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
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt00.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt10.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt20.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt30.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt40.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt50.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt60.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt740.00
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd1X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd2X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd3X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd4X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd5X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd6X
IRS990/Form990PartVIISectionAGrp/OfficerInd0X
IRS990/Form990PartVIISectionAGrp/OfficerInd1X
IRS990/Form990PartVIISectionAGrp/OfficerInd2X
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt00
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt10
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt20
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt30
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt40
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt50
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt60
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt70
IRS990/Form990PartVIISectionAGrp/PersonNm0BARRY B PATTERSON
IRS990/Form990PartVIISectionAGrp/PersonNm1MICHAEL PETERSON
IRS990/Form990PartVIISectionAGrp/PersonNm2JOHN H PRATER
IRS990/Form990PartVIISectionAGrp/PersonNm3GENEVIA M BIRCHER
IRS990/Form990PartVIISectionAGrp/PersonNm4DON M WILKERSON
IRS990/Form990PartVIISectionAGrp/PersonNm5CASIANO S BUENO
IRS990/Form990PartVIISectionAGrp/PersonNm6JOSEPH PHILLIPS
IRS990/Form990PartVIISectionAGrp/PersonNm7TERRY NOWLAND
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt70
IRS990/Form990PartVIISectionAGrp/TitleTxt0Chairman
IRS990/Form990PartVIISectionAGrp/TitleTxt1BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt2Secretary
IRS990/Form990PartVIISectionAGrp/TitleTxt3BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt4BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt5BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt6Treasurer
IRS990/Form990PartVIISectionAGrp/TitleTxt7MANAGER / CEO
IRS990/Form990ProvidedToGvrnBodyInd0true
IRS990/Form990TFiledInd0true
IRS990/FormationYr01990
IRS990/FormerOfcrEmployeesListedInd0false
IRS990/FSAuditedBasisGrp/SeparateBasisFinclStmtInd0X
IRS990/FSAuditedInd0true
IRS990/FundraisingActivitiesInd0false
IRS990/GamingActivitiesInd0false
IRS990/GoverningBodyVotingMembersCnt07
IRS990/GrantsToDomesticIndividualsGrp/TotalAmt00
IRS990/GrantsToDomesticOrgsGrp/TotalAmt00
IRS990/GrantsToIndividualsInd0false
IRS990/GrantsToOrganizationsInd0false
IRS990/GrantToRelatedPersonInd0false
IRS990/GrossReceiptsAmt01601036
IRS990/GroupReturnForAffiliatesInd0false
IRS990/IncludeFIN48FootnoteInd0false
IRS990/IncmFromInvestBondProceedsGrp/TotalRevenueColumnAmt00
IRS990/IndependentAuditFinclStmtInd0false
IRS990/IndependentVotingMemberCnt00
IRS990/IndivRcvdGreaterThan100KCnt00
IRS990/IndoorTanningServicesInd0false
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartXIIInd0X
IRS990/InfoInScheduleOPartXIInd0X
IRS990/InformationTechnologyGrp/TotalAmt00
IRS990/InsuranceGrp/ProgramServicesAmt034037
IRS990/InsuranceGrp/TotalAmt034037
IRS990/IntangibleAssetsGrp/EOYAmt00
IRS990/InterestGrp/ProgramServicesAmt0253169
IRS990/InterestGrp/TotalAmt0253169
IRS990/InventoriesForSaleOrUseGrp/EOYAmt00
IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt090368
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt090368
IRS990/InvestmentInJointVentureInd0false
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt00
IRS990/InvestmentsProgramRelatedGrp/EOYAmt00
IRS990/InvestmentsPubTradedSecGrp/EOYAmt00
IRS990/IRPDocumentCnt00
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt0752731
IRS990/LandBldgEquipBasisNetGrp/BOYAmt0609415
IRS990/LandBldgEquipBasisNetGrp/EOYAmt0570648
IRS990/LandBldgEquipCostOrOtherBssAmt01323379
IRS990/LegalDomicileStateCd0TX
IRS990/LoanOutstandingInd0false
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
IRS990/MoreThan5000KToOrgInd0false
IRS990/NetAssetsOrFundBalancesBOYAmt037857148
IRS990/NetAssetsOrFundBalancesEOYAmt036299295
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt00
IRS990/NetIncmFromFundraisingEvtGrp/TotalRevenueColumnAmt00
IRS990/NetIncomeFromGamingGrp/TotalRevenueColumnAmt00
IRS990/NetIncomeOrLossGrp/TotalRevenueColumnAmt00
IRS990/NetRentalIncomeOrLossGrp/TotalRevenueColumnAmt00
IRS990/NetUnrelatedBusTxblIncmAmt0950
IRS990/NoDonorRestrictionNetAssetsGrp/BOYAmt037857148
IRS990/NoDonorRestrictionNetAssetsGrp/EOYAmt036299295
IRS990/NoListedPersonsCompensatedInd0X
IRS990/NondeductibleContributionsInd0false
IRS990/OccupancyGrp/ProgramServicesAmt060136
IRS990/OccupancyGrp/TotalAmt060136
IRS990/OfficeExpensesGrp/ProgramServicesAmt033176
IRS990/OfficeExpensesGrp/TotalAmt033176
IRS990/OfficerMailingAddressInd0false
IRS990/OperateHospitalInd0false
IRS990/Organization501cInd0X
IRS990/OrganizationFollowsFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt0348353
IRS990/OtherAssetsTotalGrp/EOYAmt0338515
IRS990/OtherChangesInNetAssetsAmt0-1696899
IRS990/OtherEmployeeBenefitsGrp/ProgramServicesAmt053987
IRS990/OtherEmployeeBenefitsGrp/TotalAmt053987
IRS990/OtherExpensesGrp/Desc0PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/Desc1DATA PROCESSING FEES
IRS990/OtherExpensesGrp/Desc2ATM EXPENSES
IRS990/OtherExpensesGrp/Desc3MAINT & REPAIRS
IRS990/OtherExpensesGrp/ProgramServicesAmt0169032
IRS990/OtherExpensesGrp/ProgramServicesAmt168692
IRS990/OtherExpensesGrp/ProgramServicesAmt228934
IRS990/OtherExpensesGrp/ProgramServicesAmt328356
IRS990/OtherExpensesGrp/TotalAmt0169032
IRS990/OtherExpensesGrp/TotalAmt168692
IRS990/OtherExpensesGrp/TotalAmt228934
IRS990/OtherExpensesGrp/TotalAmt328356
IRS990/OtherInd0X
IRS990/OtherLiabilitiesGrp/BOYAmt0220013
IRS990/OtherLiabilitiesGrp/EOYAmt0103581
IRS990/OtherRevenueMiscGrp/BusinessCd0900003
IRS990/OtherRevenueMiscGrp/Desc0INS, ADMIN FEES, RENT
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt09387
IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt09387
IRS990/OtherRevenueTotalAmt09387
IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt0497519
IRS990/OtherSalariesAndWagesGrp/TotalAmt0497519
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt029672711
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt032838560
IRS990/PartialLiquidationInd0false
IRS990/PaymentsToAffiliatesGrp/TotalAmt00
IRS990/PayrollTaxesGrp/ProgramServicesAmt038780
IRS990/PayrollTaxesGrp/TotalAmt038780
IRS990/PensionPlanContributionsGrp/ProgramServicesAmt014005
IRS990/PensionPlanContributionsGrp/TotalAmt014005
IRS990/PledgesAndGrantsReceivableGrp/EOYAmt00
IRS990/PoliciesReferenceChaptersInd0true
IRS990/PoliticalCampaignActyInd0false
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt077145
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt085103
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/BusinessCd2524298
IRS990/ProgramServiceRevenueGrp/BusinessCd3522100
IRS990/ProgramServiceRevenueGrp/Desc0FEE INCOME
IRS990/ProgramServiceRevenueGrp/Desc1INTEREST ON LOANS
IRS990/ProgramServiceRevenueGrp/Desc2NCUA FEDERAL INSURANCE
IRS990/ProgramServiceRevenueGrp/Desc3OTHER OPERATING INCOME
IRS990/ProgramServiceRevenueGrp/Desc4SALE OF COMPUTER EQUIP
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt0145682
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt11344433
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt25699
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt38216
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt4-2749
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt0145682
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt11344433
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt25699
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt38216
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt4-2749
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYInvestmentIncomeAmt0120012
IRS990/PymtTravelEntrtnmntPubOfclGrp/ProgramServicesAmt03780
IRS990/PymtTravelEntrtnmntPubOfclGrp/TotalAmt03780
IRS990/PYOtherExpensesAmt0838602
IRS990/PYOtherRevenueAmt08139
IRS990/PYProgramServiceRevenueAmt01286076
IRS990/PYRevenuesLessExpensesAmt033448
IRS990/PYSalariesCompEmpBnftPaidAmt0542177
IRS990/PYTotalExpensesAmt01380779
IRS990/PYTotalRevenueAmt01414227
IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt00
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt00
IRS990/ReconcilationRevenueExpnssAmt0139046
IRS990/RegularMonitoringEnfrcInd0true
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RoyaltiesGrp/TotalAmt00
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
IRS990/SavingsAndTempCashInvstGrp/BOYAmt04976840
IRS990/SavingsAndTempCashInvstGrp/EOYAmt0578855
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/BuildingsGrp/BookValueAmt0450827
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0512702
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt0963529
IRS990ScheduleD/EquipmentGrp/BookValueAmt033325
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0240029
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt0273354
IRS990ScheduleD/LandGrp/BookValueAmt086496
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt086496
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0103581
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0DRAFTS PAYABLE
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0570648
IRS990ScheduleD/TotalLiabilityAmt0103581
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/ExplanationTxt6DECREASE IN MEMBERSHIP EQUITY = -$1696899
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 Decreases
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/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt038135050
IRS990/TotalAssetsEOYAmt036471487
IRS990/TotalAssetsGrp/BOYAmt038135050
IRS990/TotalAssetsGrp/EOYAmt036471487
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalContributionsAmt00
IRS990/TotalEmployeeCnt015
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt01461990
IRS990/TotalFunctionalExpensesGrp/TotalAmt01461990
IRS990/TotalGrossUBIAmt09387
IRS990/TotalLiabilitiesBOYAmt0277902
IRS990/TotalLiabilitiesEOYAmt0172192
IRS990/TotalLiabilitiesGrp/BOYAmt0277902
IRS990/TotalLiabilitiesGrp/EOYAmt0172192
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt037857148
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt036299295
IRS990/TotalProgramServiceRevenueAmt01501281
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt01591649
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt01601036
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt09387
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt038135050
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt036471487
IRS990/TravelGrp/TotalAmt00
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/BuildTS02020-09-22 18:59:49Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0TERRY NOWLAND
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0MANAGER / CEO
ReturnHeader/BusinessOfficerGrp/SignatureDt02020-08-18
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

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2019 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$36,471,487
Liabilities
$172,192
Net assets
$36,299,295
Revenue
$1,601,036
Expenses
$1,461,990
Net income
$139,046
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
2019Detailed filing. Detailed filing data is available for this year.$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
Peer Organizations

Similar nonprofits based on the same Siviq industry and scale cohort. 2019 filings • 501(c)14 • $25M-$50M nonprofits