Civic Intelligence

Keystone Credit Union

990 • Fiscal year 2020 • EIN 75-1212934

Jan 01, 2020 to Dec 31, 2020 • Filed on Nov 15, 2021

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.

2020 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2020

Liabilities / Revenue

3rd percentile

0.08x

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

2020 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2020

Net Margin

88th percentile

24%

Higher net margin than 88% of similar nonprofits.

2020 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2020

Top Officer Pay

22nd percentile

$78,144

Higher top officer pay than 22% of similar nonprofits.

Top officer pay equals 4.6% of source-year revenue.

2020 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2020

Asset Growth

9th percentile

6.4%

Faster asset growth than 9% of similar nonprofits.

2020 filings • 501(c)14 • $25M-$50M nonprofits • Annualized from 2019 to 2020

Revenue Growth

91st percentile

5.6%

Faster revenue growth than 91% of similar nonprofits.

2020 filings • 501(c)14 • $25M-$50M nonprofits • Annualized from 2019 to 2020

Balance Sheet
Liabilities / Assets3rd percentile

Assets

Up

$38,798,015

Up $2,326,528 (+6.4%) from 2019

Net Assets

Up

$38,667,896

Up $2,368,601 (+6.5%) from 2019

Liabilities

Down

$130,119

Down $42,073 (-24%) from 2019

Revenue And Expenses
Liabilities / Revenue3rd percentileNet Margin88th percentile

Revenue

Up

$1,690,688

Up $89,652 (+5.6%) from 2019

Expenses

Down

$1,287,838

Down $174,152 (-12%) from 2019

Net Income

Up

$402,850

Up $263,804 (+190%) from 2019

Historical Trend

Balance Sheet Trend

Asset Growth9th 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

2020

Assets$38,798,015
Liabilities$130,119
Net Assets$38,667,896
Open 2020 Filing

Operations Trend

Revenue Growth91st 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

2020

Revenue$1,690,688
Expenses$1,287,838
Net Income$402,850
Open 2020 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2020 to Dec 31, 2020
Signed
Nov 15, 2021
Return Version
2020v4.0
Gross Receipts
$1,690,688
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$32,838,560$27,103,764▼ $5,734,796
Cash and Non-Interest-Bearing Accounts$2,059,806$7,790,973▲ $5,731,167
Savings and Temporary Cash Investments$578,855$2,980,128▲ $2,401,273
Land, Buildings, and Equipment, Net$570,648$549,167▼ $21,481
Prepaid Expenses and Deferred Charges$85,103$73,394▼ $11,709
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$36,471,487$38,798,015▲ $2,326,528
Other Assets Total$338,515$300,589▼ $37,926
Liabilities
Other Liabilities$103,581$74,513▼ $29,068
Accounts Payable and Accrued Expenses$68,611$55,606▼ $13,005
Total Liabilities$172,192$130,119▼ $42,073
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$36,299,295$38,667,896▲ $2,368,601
Total Net Assets Fund Balance$36,299,295$38,667,896▲ $2,368,601
Total Liabilities and Net Assets / Fund Balance$36,471,487$38,798,015▲ $2,326,528

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$429,899$533,630$963,529
Equipment$32,772$277,489$310,261
Land$86,496-$86,496
Compensation and Service Providers
Top Officer Pay22nd percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Angela PowersManager / CEOFT$73,906$4,238$78,144

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
$1,665,400
Investment Income
$17,624
Other Revenue
$7,664
Change in Net Assets
$402,850
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$655,894
Salaries, Compensation, and Employee Benefits$631,944
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$447,930--$447,930
Interest$176,321--$176,321
All Other Expenses$96,762--$96,762
Current Officers, Directors, Trustees, and Key Employees---$78,144
Depreciation Depletion$62,356--$62,356
Other Employee Benefits$51,283--$51,283
Occupancy$46,399--$46,399
Payroll Taxes$40,447--$40,447
Insurance$37,058--$37,058
Office Expenses$26,155--$26,155
Other Expenses$24,546--$24,546
Fees for Services Other$15,467--$15,467
Pension Plan Contributions$14,140--$14,140
Fees for Services Accounting$13,200--$13,200
Conferences and Meetings$7,388--$7,388
Fees for Service Investment Mgmnt Fees$6,209--$6,209
Travel$4,083--$4,083
Fees for Services Legal$2,154--$2,154
Advertising$1,970--$1,970
Total Functional Expenses$1,209,694$0$0$1,287,838
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$74,512
Rounding$1
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
Angela Powers
Title
Manager / CEO
Signed
2021-11-15
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 Increases

“Increase in membership equity = $1965751”

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 425 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/PYProgramServiceRevenueAmt01501281
IRS990/PYRevenuesLessExpensesAmt0139046
IRS990/PYSalariesCompEmpBnftPaidAmt0604291
IRS990/PYTotalExpensesAmt01461990
IRS990/PYTotalRevenueAmt01601036
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IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt00
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IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt11
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0DRAFTS PAYABLE
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1Rounding
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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0CREDIT UNIONS ARE MEMBER BASED
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1BOARD REVIEWS THE FORM 990 AND THE ANNUAL AUDIT REPORT
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2A COMPLIANCE REPORT IS COMPLETED ANNUALLY BY BOARD MEMBERS AND EMPLOYEES
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3THE BOARD OF DIRECTORS DETERMINES SALARIES AND RAISES.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4AVAILABLE UPON REQUEST, ALSO POSTED IN THE LOBBY.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5BY REQUEST, ANY MEMBER MAY EXAMINE FORM 990, THE ANNUAL AUDIT REPORT, OR POLICY DOCUMENTS AT THE HOME OFFICE.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6INCREASE IN MEMBERSHIP EQUITY = $1965751
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
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ReturnHeader/BuildTS02022-09-23 18:48:47Z
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Document Assets

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Filings

Displayed year

2020 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$38,798,015
Liabilities
$130,119
Net assets
$38,667,896
Revenue
$1,690,688
Expenses
$1,287,838
Net income
$402,850
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
2020Detailed filing. Detailed filing data is available for this year.$38.8$0.13$38.7$1.69$1.29$0.40
2019Facts available. Structured filing facts are available, but richer extracted sections are limited.$36.5$0.17$36.3$1.60$1.46$0.14
2018Summary only. Only limited summary data is available for this year.$38.1$0.28$37.9$1.41$1.38$0.03
2017Summary only. Only limited summary data is available for this year.$36.3$0.03$36.3$1.21$1.22$0.01
2016Summary only. Only limited summary data is available for this year.$37.0$0.09$36.9$0.98$1.29$0.30
2015Detailed filing. Detailed filing data is available for this year.$36.9$0.12$36.8$0.99$1.16$0.17
2014Detailed filing. Detailed filing data is available for this year.$38.4$0.11$38.3$1.06$1.06$0.00
2013Detailed filing. Detailed filing data is available for this year.$40.1$0.17$40.0$1.19$1.12$0.07
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$42.3$0.10$42.2$1.27
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$41.8$0.09$41.7$1.47
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$41.7$0.16$41.5$1.61