Civic Intelligence

Mobility Credit Union

990 • Fiscal year 2016 • EIN 75-1248359

Jan 01, 2016 to Dec 31, 2016 • Filed on May 01, 2017

Organization ProfileN/A

View Organization Page

8384 N Belt Line RdIrving, TX 75063

(214) 574-2000

Siviq Scores

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

Liabilities / Assets

92nd percentile

0.92x

Higher debt load relative to assets than 92% of similar nonprofits.

2016 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2016

Liabilities / Revenue

96th percentile

28.55x

Higher debt load relative to revenue than 96% of similar nonprofits.

2016 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2016

Net Margin

3rd percentile

-4.6%

Higher net margin than 3% of similar nonprofits.

2016 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2016

Top Officer Pay

61st percentile

$224,259

Higher top officer pay than 61% of similar nonprofits.

Top officer pay equals 4.1% of source-year revenue.

2016 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2016

Asset Growth

1st percentile

-7.7%

Faster asset growth than 1% of similar nonprofits.

2016 filings • 501(c)14 • $100M-$250M nonprofits • Annualized from 2015 to 2016

Revenue Growth

31st percentile

2.7%

Faster revenue growth than 31% of similar nonprofits.

2016 filings • 501(c)14 • $100M-$250M nonprofits • Annualized from 2015 to 2016

Balance Sheet
Liabilities / Assets92nd percentile

Assets

Down

$169,806,720

Down $14,154,783 (-7.7%) from 2015

Net Assets

Up

$13,081,392

Up $191,744 (+1.5%) from 2015

Liabilities

Down

$156,725,328

Down $14,346,527 (-8.4%) from 2015

Revenue And Expenses
Liabilities / Revenue96th percentileNet Margin3rd percentile

Revenue

Up

$5,489,515

Up $143,783 (+2.7%) from 2015

Expenses

Up

$5,744,275

Up $60,295 (+1.1%) from 2015

Net Income

Up

-$254,760

Up $83,488 (+25%) from 2015

Historical Trend

Balance Sheet Trend

Asset Growth1st percentile

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

$400M$300M$200M$100M$0Assets 2011: $157,078,456Liabilities 2011: $144,941,472Net Assets 2011: $12,136,9842011Assets 2012: $163,065,822Liabilities 2012: $149,678,734Net Assets 2012: $13,387,0882012Assets 2013: $174,062,734Liabilities 2013: $163,223,951Net Assets 2013: $10,838,7832013Assets 2014: $170,847,341Liabilities 2014: $157,176,876Net Assets 2014: $13,670,4652014Assets 2015: $183,961,503Liabilities 2015: $171,071,855Net Assets 2015: $12,889,6482015Assets 2016: $169,806,720Liabilities 2016: $156,725,328Net Assets 2016: $13,081,3922016Assets 2017: $189,371,850Liabilities 2017: $175,091,811Net Assets 2017: $14,280,0392017Assets 2018: $200,311,395Liabilities 2018: $184,423,821Net Assets 2018: $15,887,5742018Assets 2019: $220,834,663Liabilities 2019: $203,333,513Net Assets 2019: $17,501,1502019Assets 2020: $246,599,387Liabilities 2020: $226,947,203Net Assets 2020: $19,652,1842020Assets 2021: $295,221,683Liabilities 2021: $270,189,680Net Assets 2021: $25,032,0032021Assets 2022: $380,471,243Liabilities 2022: $351,201,692Net Assets 2022: $29,269,5512022Assets 2023: $376,890,924Liabilities 2023: $346,920,231Net Assets 2023: $29,970,6932023Assets 2024: $373,626,744Liabilities 2024: $346,376,717Net Assets 2024: $27,250,0272024

Highlighted filing

2016

Assets$169,806,720
Liabilities$156,725,328
Net Assets$13,081,392
Open 2016 Filing

Operations Trend

Revenue Growth31st percentile

Revenue, expenses, and net income across loaded years, with this filing highlighted.

$30M$20M$10M$0-$10MExpenses 2011: $6,695,9312011Expenses 2012: $5,466,4072012Revenue 2013: $5,999,783Expenses 2013: $5,806,383Net Income 2013: $193,4002013Revenue 2014: $5,520,726Expenses 2014: $5,290,163Net Income 2014: $230,5632014Revenue 2015: $5,345,732Expenses 2015: $5,683,980Net Income 2015: -$338,2482015Revenue 2016: $5,489,515Expenses 2016: $5,744,275Net Income 2016: -$254,7602016Revenue 2017: $7,064,176Expenses 2017: $6,119,174Net Income 2017: $945,0022017Revenue 2018: $8,578,721Expenses 2018: $6,980,475Net Income 2018: $1,598,2462018Revenue 2019: $10,279,656Expenses 2019: $8,553,018Net Income 2019: $1,726,6382019Revenue 2020: $11,840,867Expenses 2020: $9,615,162Net Income 2020: $2,225,7052020Revenue 2021: $12,843,616Expenses 2021: $8,210,186Net Income 2021: $4,633,4302021Revenue 2022: $15,048,895Expenses 2022: $10,512,111Net Income 2022: $4,536,7842022Revenue 2023: $19,906,163Expenses 2023: $19,388,160Net Income 2023: $518,0032023Revenue 2024: $22,090,381Expenses 2024: $25,071,283Net Income 2024: -$2,980,9022024

Highlighted filing

2016

Revenue$5,489,515
Expenses$5,744,275
Net Income-$254,760
Open 2016 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2016 to Dec 31, 2016
Signed
May 1, 2017
Return Version
2016v3.0
Gross Receipts
$5,489,515
Mission and Program Overview

Mission

Providing personal financial service and value to members. These services include banking, loans, and investments.

Providing personal financial service and value to members. These services include banking, loans, and investments that are not available to non-members.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$105,860,394$140,400,177▲ $34,539,783
Investments Other Securities$61,965,831$15,712,897▼ $46,252,934
Rtn Earn Endowment Incm Other Fnds$12,889,648$13,081,392▲ $191,744
Land, Buildings, and Equipment, Net$5,655,961$5,470,970▼ $184,991
Receivables From Officers Etc$3,413,687$3,283,291▼ $130,396
Accounts Receivable$13,139$1,606,600▲ $1,593,461
Cash and Non-Interest-Bearing Accounts$1,051,524$1,148,003▲ $96,479
Prepaid Expenses and Deferred Charges$653,873$460,319▼ $193,554
Total Assets$183,961,503$169,806,720▼ $14,154,783
Other Assets Total$5,347,094$1,724,463▼ $3,622,631
Liabilities
Other Liabilities$149,933,394$151,599,816▲ $1,666,422
Accounts Payable and Accrued Expenses$21,138,461$5,125,512▼ $16,012,949
Total Liabilities$171,071,855$156,725,328▼ $14,346,527
Net Assets / Fund Balance
Total Net Assets Fund Balance$12,889,648$13,081,392▲ $191,744
Total Liabilities and Net Assets / Fund Balance$183,961,503$169,806,720▼ $14,154,783

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$3,854,076$2,206,992-
Land$1,121,884--
Equipment$378,692$1,374,532-
Leasehold Improvements$116,318$201,666-
Other Securities$7,976,099--
Compensation and Service Providers
Top Officer Pay61st percentile

Employees

NameTitleFull / Part TimeBaseTotal
MARK O'BRYANCEOFT$224,259$224,259
MARK O'BRYAN--$224,259$224,259
Ron PerryCLOFT$140,000$140,000
Steve MartinCFOFT$137,852$137,852

Board Members and Trustees

NameTitle
Steve PrattBoard Chairman
Anthony HillBoard Vice Chair
Bob GansonBoard Secretary
Chris YarnellBoard Treasurer
Christa SlejkoDirector
David AppleDirector
Diane CabreraDirector
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$4,734,569
Investment Income
$754,946
Other Revenue
$0
Change in Net Assets
$-254,760
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$3,707,579
Salaries, Compensation, and Employee Benefits$2,036,696
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Office Expenses$1,816,001--$1,816,001
Other Salaries and Wages$925,244--$925,244
Other Employee Benefits$609,341--$609,341
Occupancy$587,998--$587,998
Current Officers, Directors, Trustees, and Key Employees$502,111--$502,111
All Other Expenses$250,925--$250,925
Advertising$118,567--$118,567
Interest$79,314--$79,314
Other Expenses$33,275--$33,275
Conferences and Meetings$13,229--$13,229
Total Functional Expenses$5,744,275$0$0$5,744,275
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
Lobbying activity
No
Subject to proxy tax
No
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Officers, Directors, Trustees, and Key Employees$3,413,687$3,283,291▼ $130,396
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Shares$151,599,816
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
No
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
No
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
Yes
Management duties delegated
No
Filing and Contact Details

Filer

Filer Name
Mobility Credit Union
EIN
75-1248359
Phone
2145742000
Address
8384 N Belt Line Rd, Irving, TX 75063

Signing Officer

Name
Steve Martin
Title
CFO
Phone
2145742000
Signed
2017-05-01
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Steve Martin
Formed
1965
Legal Domicile
TX
Voting Board Members
7
Independent Board Members
7
Employees
49
Volunteers
9

Preparer

Firm
Greg R Schmidtcpa
Address
2 Baltusrol, AMARILLO, TX 79124
Preparer
Greg R Schmidt
Phone
8552759297
Supplemental Narrative

Additional Explanations

Pt VI, Line 7A

“All account holders are members and have voting rights to elect the Board”

Pt VI, Line 7B

“Decisions are subject to approval by the Board who are elected by the members”

Pt VI, Line 11B

“Form 990 is reviewed by the Board at a regularly scheduled meeting”

Pt VI, Line 15A

“Compensation for the CEO is reviewed by the compensation committee”

Form 990, Part IX, Line 24E

“Professional & Outside Services 223881. 223881.”

Form 990, Part IX, Line 24E

“Association Dues 17008. 17008.”

Form 990, Part IX, Line 24E

“Supervision & Examination 10036. 10036.”

Raw XML AppendixShowing 400 of 403 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/ProgSrvcAccomActy2Grp/Desc0CHECKING ACCOUNTS THE CREDIT UNION PROVIDES CHECKING ACCOUNTS FOR MEMBERS TO ACCESS WITH VARIOUS FEATURES. WE OFFER FREE CHECKING , AS WELL AS ACCOUNTS THAT PAY DIVIDENDS. THESE ACCOUNTS COME WITH FREE BILL PAY, A FREE DEBIT CARD, ACCESS TO FREE SHARED BRANCHING FACILITIES, AND SURCHARGE FREE ATM'S NATIONWIDE.
IRS990/ProgSrvcAccomActy3Grp/Desc0CONSUMER LOANS AND CREDIT CARDS THE CREDIT UNION OFFERS CONSUMER LOANS TO INCLUDE AUTOMOBILES, RECREATIONAL VEHICLES, EQUIPMENT, AND UNSECURED LOAN PRODUCTS TO MEMBERS. THE CREDIT UNION ALSO OFFERS A VISA CREDIT CARD TO MEMBERS. ALL LOAN PRODUCTS OFFER REASONABLE RATES WITH DIFFERENT METHODS OF PAYBACK FOR MEMBERS.
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IRS990ScheduleD/EquipmentGrp/BookValueAmt0378692
IRS990ScheduleD/EquipmentGrp/DepreciationAmt01374532
IRS990ScheduleD/EquipmentGrp/InvestmentCostOrOtherBasisAmt01753224
IRS990ScheduleD/LandGrp/BookValueAmt01121884
IRS990ScheduleD/LandGrp/InvestmentCostOrOtherBasisAmt01121884
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt0116318
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt0201666
IRS990ScheduleD/LeaseholdImprovementsGrp/InvestmentCostOrOtherBasisAmt0317984
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0151599816
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0Member Shares
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt01550498
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt15000000
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt21186300
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt37976099
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IRS990ScheduleD/OtherSecuritiesGrp/Desc1Fed Funds
IRS990ScheduleD/OtherSecuritiesGrp/Desc2FHLB Stock
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IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd1C
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IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd3C
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IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd0false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd0X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt0Life Ins.
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IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm0MARK S O'BRYAN
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt0CEO
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IRS990ScheduleL/TotalBalanceDueAmt03283291
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0All account holders are members and have voting rights to elect the Board
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1Decisions are subject to approval by the Board who are elected by the members
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2Form 990 is reviewed by the Board at a regularly scheduled meeting
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3Compensation for the CEO is reviewed by the compensation committee
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4Professional & Outside Services 223881. 223881.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5Association Dues 17008. 17008.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6Supervision & Examination 10036. 10036.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Pt VI, Line 7a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Pt VI, Line 7b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Pt VI, Line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Pt VI, Line 15a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Form 990, Part IX, Line 24e
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Form 990, Part IX, Line 24e
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6Form 990, Part IX, Line 24e
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IRS990/SubjectToProxyTaxInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
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IRS990/TerminateOperationsInd0false
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IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt013081392
IRS990/TotalProgramServiceRevenueAmt04734569
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IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt05465040
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt05489515
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt024475
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IRS990/TransactionWithControlEntInd0false
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0true
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IRS990/USAddress/CityNm0Irving
IRS990/USAddress/StateAbbreviationCd0TX
IRS990/USAddress/ZIPCd075063
IRS990/VotingMembersGoverningBodyCnt07
IRS990/VotingMembersIndependentCnt07
IRS990/WebsiteAddressTxt0N/A
IRS990/WhistleblowerPolicyInd0true
ReturnHeader/BuildTS02017-02-10 21:41:12Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0STEVE MARTIN
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0CFO
ReturnHeader/BusinessOfficerGrp/PhoneNum02145742000
ReturnHeader/BusinessOfficerGrp/SignatureDt02017-05-01
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0Mobility Credit Union
ReturnHeader/Filer/BusinessNameControlTxt0MOBI
ReturnHeader/Filer/EIN0751248359
ReturnHeader/Filer/PhoneNum02145742000
ReturnHeader/Filer/USAddress/AddressLine1Txt08384 N Belt Line Rd
ReturnHeader/Filer/USAddress/CityNm0Irving
ReturnHeader/Filer/USAddress/StateAbbreviationCd0TX
ReturnHeader/Filer/USAddress/ZIPCd075063
ReturnHeader/FilingSecurityInformation/AtSubmissionCreationDeviceId063CDAE170B5AFC09AF5FAA18A048CD4E156B2B22
ReturnHeader/FilingSecurityInformation/AtSubmissionFilingDeviceId063CDAE170B5AFC09AF5FAA18A048CD4E156B2B22
ReturnHeader/FilingSecurityInformation/FilingLicenseTypeCd0P
ReturnHeader/FilingSecurityInformation/IPAddress/IPv4AddressTxt050.26.133.40
ReturnHeader/FilingSecurityInformation/IPDt02017-05-10
ReturnHeader/FilingSecurityInformation/IPTimezoneCd0PD
ReturnHeader/FilingSecurityInformation/IPTm012:52:06
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0GREG R SCHMIDTCPA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt02 Baltusrol
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0AMARILLO
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0TX
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd079124
ReturnHeader/PreparerPersonGrp/PhoneNum08552759297
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0GREG R SCHMIDT
ReturnHeader/PreparerPersonGrp/SelfEmployedInd0X
ReturnHeader/ReturnTs02017-05-10T12:52:12-07:00
ReturnHeader/ReturnTypeCd0990

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

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

Open filing
Assets
$169,806,720
Liabilities
$156,725,328
Net assets
$13,081,392
Revenue
$5,489,515
Expenses
$5,744,275
Net income
-$254,760
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$374$346$27.3$22.1$25.1$2.98
2023Summary only. Only limited summary data is available for this year.$377$347$30.0$19.9$19.4$0.52
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$380$351$29.3$15.0$10.5$4.54
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$295$270$25.0$12.8$8.21$4.63
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$247$227$19.7$11.8$9.62$2.23
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$221$203$17.5$10.3$8.55$1.73
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$200$184$15.9$8.58$6.98$1.60
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$189$175$14.3$7.06$6.12$0.95
2016Detailed filing. Detailed filing data is available for this year.$170$157$13.1$5.49$5.74$0.25
2015Detailed filing. Detailed filing data is available for this year.$184$171$12.9$5.35$5.68$0.34
2014Detailed filing. Detailed filing data is available for this year.$171$157$13.7$5.52$5.29$0.23
2013Detailed filing. Detailed filing data is available for this year.$174$163$10.8$6.00$5.81$0.19
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$163$150$13.4$5.47
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$157$145$12.1$6.70