Civic Intelligence

Intouch Credit Union

990 • Fiscal year 2020 • EIN 75-1447986

Jan 01, 2020 to Dec 31, 2020 • Filed on Apr 03, 2021

Organization ProfileITCU.ORG

View Organization Page

PO Box 250169Plano, TX 75025-0169

(214) 291-1776

Siviq Scores

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

Liabilities / Assets

73rd percentile

0.91x

Higher debt load relative to assets than 73% of similar nonprofits.

2020 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2020

Liabilities / Revenue

50th percentile

19.53x

Higher debt load relative to revenue than 50% of similar nonprofits.

2020 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2020

Net Margin

51st percentile

12%

Higher net margin than 51% of similar nonprofits.

2020 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2020

Top Officer Pay

94th percentile

$1,001,630

Higher top officer pay than 94% of similar nonprofits.

Top officer pay equals 2.3% of source-year revenue.

2020 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2020

Asset Growth

22nd percentile

13%

Faster asset growth than 22% of similar nonprofits.

2020 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2019 to 2020

Revenue Growth

5th percentile

-13%

Faster revenue growth than 5% of similar nonprofits.

2020 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2019 to 2020

Balance Sheet
Liabilities / Assets73rd percentile

Assets

Up

$920,945,761

Up $108,196,939 (+13%) from 2019

Net Assets

Up

$81,753,153

Up $5,482,611 (+7.2%) from 2019

Liabilities

Up

$839,192,608

Up $102,714,328 (+14%) from 2019

Revenue And Expenses
Liabilities / Revenue50th percentileNet Margin51st percentile

Revenue

Down

$42,962,924

Down $6,627,555 (-13%) from 2019

Expenses

Down

$37,959,449

Down $5,799,704 (-13%) from 2019

Net Income

Down

$5,003,475

Down $827,851 (-14%) from 2019

Historical Trend

Balance Sheet Trend

Asset Growth22nd percentile

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

$1.5B$1.0B$500M$0Assets 2010: $865,117,975Liabilities 2010: $801,046,631Net Assets 2010: $64,071,3442010Assets 2011: $843,488,242Liabilities 2011: $780,759,502Net Assets 2011: $62,728,7402011Assets 2012: $832,039,721Liabilities 2012: $764,166,380Net Assets 2012: $67,873,3412012Assets 2013: $810,462,994Liabilities 2013: $750,268,466Net Assets 2013: $60,194,5282013Assets 2014: $826,085,000Liabilities 2014: $759,481,330Net Assets 2014: $66,603,6702014Assets 2015: $779,048,768Liabilities 2015: $707,279,263Net Assets 2015: $71,769,5052015Assets 2016: $791,167,497Liabilities 2016: $719,352,260Net Assets 2016: $71,815,2372016Assets 2017: $805,556,462Liabilities 2017: $731,476,274Net Assets 2017: $74,080,1882017Assets 2018: $907,799,272Liabilities 2018: $838,283,285Net Assets 2018: $69,515,9872018Assets 2019: $812,748,822Liabilities 2019: $736,478,280Net Assets 2019: $76,270,5422019Assets 2020: $920,945,761Liabilities 2020: $839,192,608Net Assets 2020: $81,753,1532020Assets 2021: $1,008,404,060Liabilities 2021: $917,822,080Net Assets 2021: $90,581,9802021Assets 2022: $1,046,983,946Liabilities 2022: $965,738,083Net Assets 2022: $81,245,8632022

Highlighted filing

2020

Assets$920,945,761
Liabilities$839,192,608
Net Assets$81,753,153
Open 2020 Filing

Operations Trend

Revenue Growth5th percentile

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

$60M$40M$20M$0-$20MExpenses 2010: $43,906,9142010Expenses 2011: $44,810,4682011Expenses 2012: $35,956,0202012Revenue 2013: $34,535,416Expenses 2013: $34,312,655Net Income 2013: $222,7612013Revenue 2014: $35,790,573Expenses 2014: $36,478,235Net Income 2014: -$687,6622014Revenue 2015: $44,497,079Expenses 2015: $39,039,907Net Income 2015: $5,457,1722015Revenue 2016: $37,421,230Expenses 2016: $37,306,097Net Income 2016: $115,1332016Revenue 2017: $43,622,083Expenses 2017: $41,761,947Net Income 2017: $1,860,1362017Revenue 2018: $42,180,275Expenses 2018: $46,481,739Net Income 2018: -$4,301,4642018Revenue 2019: $49,590,479Expenses 2019: $43,759,153Net Income 2019: $5,831,3262019Revenue 2020: $42,962,924Expenses 2020: $37,959,449Net Income 2020: $5,003,4752020Revenue 2021: $46,134,137Expenses 2021: $36,680,083Net Income 2021: $9,454,0542021Revenue 2022: $47,406,759Expenses 2022: $52,269,291Net Income 2022: -$4,862,5322022

Highlighted filing

2020

Revenue$42,962,924
Expenses$37,959,449
Net Income$5,003,475
Open 2020 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2020 to Dec 31, 2020
Signed
Apr 3, 2021
Return Version
2020v4.0
Gross Receipts
$43,035,300
Mission and Program Overview

Mission

The credit union is a member owned cooperative financial institution that provides Lending and Deposit services to its membership.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$692,569,098$671,271,283▼ $21,297,815
Savings and Temporary Cash Investments$6,622,153$132,858,354▲ $126,236,201
Rtn Earn Endowment Incm Other Fnds$76,270,542$81,753,153▲ $5,482,611
Investments Other Securities$51,920,355$57,065,707▲ $5,145,352
Cash and Non-Interest-Bearing Accounts$17,092,717$17,920,768▲ $828,051
Investments in Publicly Traded Securities$22,737,593$16,540,175▼ $6,197,418
Land, Buildings, and Equipment, Net$10,766,400$14,659,995▲ $3,893,595
Accounts Receivable$4,687,811$5,464,097▲ $776,286
Prepaid Expenses and Deferred Charges$4,168,700$3,934,159▼ $234,541
Receivables From Officers Etc$1,069,448$1,058,754▼ $10,694
Pledges and Grants Receivable$0$0→ $0
Receivable From Disqualified Prsn$0$0→ $0
Investments Program Related$0$0→ $0
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Intangible Assets$0$0→ $0
Inventories for Sale or Use$0$0→ $0
Loans From Officers Directors$0$0→ $0
Total Assets$812,748,822$920,945,761▲ $108,196,939
Other Assets Total$1,114,547$172,469▼ $942,078
Liabilities
Other Liabilities$705,115,899$776,020,199▲ $70,904,300
Accounts Payable and Accrued Expenses$31,362,381$63,172,409▲ $31,810,028
Grants Payable$0$0→ $0
Mortgage Notes Payable Secured by Investment Property$0$0→ $0
Unsecured Notes Loans Payable$0$0→ $0
Deferred Revenue$0$0→ $0
Escrow Account Liability$0$0→ $0
Tax Exempt Bond Liabilities$0$0→ $0
Total Liabilities$736,478,280$839,192,608▲ $102,714,328
Net Assets / Fund Balance
Total Net Assets Fund Balance$76,270,542$81,753,153▲ $5,482,611
Total Liabilities and Net Assets / Fund Balance$812,748,822$920,945,761▲ $108,196,939

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$7,499,596$3,242,868$0
Other Land Buildings$204,387$361,648$0
Land$3,073,641-$0
Equipment$2,752,795$1,975,842$0
Leasehold Improvements$1,129,576$3,568,048$0
Closely Held Equity Interests$57,065,707--
Financial Derivatives$0--
Compensation and Service Providers
Top Officer Pay94th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Kent L LugrandPresident-CEOFT$464,514$537,116$1,001,630
J Diane GerstnerEvp-eooFT$289,842$56,770$346,612
Robert McDonaldSVP-CFOFT$231,728$33,950$265,678
Thomas CondosSVP-CIOFT$200,896$27,700$228,596
Sammie CantrellSVP-CAOFT$185,236$27,470$212,706
Timothy McCoySVP-Marketing and EcommerceFT$181,808$15,100$196,908
Bridger RobinsonSVP-Lending & Branch OperationsFT$161,219$18,060$179,279
Piper MadisonSVP of Lending and OperationsFT$144,906$23,520$168,426
Kristen Schmieg-JesterSVP-Delivery Channel OperationsFT$144,611-$144,611

Board Members and Trustees

NameTitle
Nancy PresselBoard Chairperson
John RobertsBoard Vice Chairperson
John ShinnemanBoard Director
Lisa PapageorgeBoard Director
Robert Daniel CrouseBoard Director
Terri Bryant-HarrellBoard Director
Theresa TschirkyBoard Director
Jodie RobinsonBoard Secretary
Christopher LipperBoard Treasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$37,065,496
Investment Income
$1,798,718
Other Revenue
$4,098,710
All Other Contributions
$0
Change in Net Assets
$5,003,475
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$23,185,512
Salaries, Compensation, and Employee Benefits$11,541,577
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$0$7,805,924$0$7,805,924
Benefits to Members$3,232,360--$3,232,360
Information Technology$0$2,816,203$0$2,816,203
Current Officers, Directors, Trustees, and Key Employees$0$2,399,446$0$2,399,446
Occupancy$0$2,107,088$0$2,107,088
Office Expenses$0$1,643,736$0$1,643,736
Depreciation Depletion$0$1,217,144$0$1,217,144
Advertising$0$1,156,185$0$1,156,185
Interest$0$1,036,223$0$1,036,223
Payroll Taxes$0$902,542$0$902,542
Fees for Services Legal$0$743,451$0$743,451
Pension Plan Contributions$0$433,665$0$433,665
Other Expenses$78,587$317,980$0$396,567
Insurance$0$200,369$0$200,369
Fees for Services Accounting$0$82,090$0$82,090
Travel$0$62,669$0$62,669
Conferences and Meetings$0$6,297$0$6,297
Total Functional Expenses$14,093,070$23,866,379$0$37,959,449
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Fundraising Direct Expenses$0
Fundraising Gross Income$0
Gaming Direct Expenses$0
Gaming Gross Income$0
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 Officers, Directors, Trustees, and Key Employees$1,069,448$1,058,754▼ $10,694
Loans from Officers, Directors, Trustees, and Key Employees$0$0→ $0
Receivables from Disqualified Persons$0$0→ $0
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Deposits$776,020,199
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Backup withholding compliance
Yes
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
Yes
Management duties delegated
No

Governance Explanations

Part VI, Section A, Line 6

“The credit union is a member owned financial cooperative. Hence, the organization has members instead of stockholders who join the credit union via a SEG or community common bond association.”

Part VI, Section A, Line 7A

“| Class of the Person:, Nature of their rights:| InTouch Membership, The membership of InTouch Credit Union, in its entirety, has approval authority over certain governing decisions. Examples include, but are not limited to, election of the Board of Directors, merger and acquisitions with other credit unions, etc.|”

Part VI, Section A, Line 7B

“| Class of the Person:, Decisions that require their approval:, Nature of their rights:| InTouch Membership, Membership decisions include, but are not limited to, election of the Board of Directors, mergers and acquisitions with other credit unions, etc., 1 vote per member|”

Part VI, Section B, Line 11B

“Form 990 was reviewed by Senior Management of InTouch CU and forwarded to the credit union's governing body on March 25, 2021 with an approval recommendation. A quorum of the Board of Directors was present and reviewed and approved the form content in its entirety there by affirming their governance responsibilities with respect to the data herein.”

Part VI, Section B, Line 12C

“InTouch CU has a written Conflict of Interest Policy. The Governing body reviews and approves the policy annually. Each Director, Officer and key employee is required to disclose any known conflict of interests that may exist during this annual review process.”

Part VI, Section B, Line 15

“| Name of the Person:, The process used to establish compensation of the person who served in:|, The year in which this process was last undertaken:| Non-CEO Officers and Key Employees, Compensation of officers other than the CEO and key employees is determined by the CEO. Their compensation is determined on position, peer comparison data, performance and guidance from an independent third party firm specializing in executive compensation., 2020| President-CEO, The compensation of the CEO is determined by a subset of the governing body known as the Compensation Committee. The committee uses independent third party firms specializing in executive compensation decisions. All deliberations and decisions are documented in the form of the Committee Minutes., 2020|”

Part VI, Section C, Line 19

“The organizational governing documents are available to the general public to review upon request at the organization's headquarters.”

Filing and Contact Details

Filer

Filer Name
Intouch Credit Union
EIN
75-1447986
In Care Of
% KENT L LUGRAND
Address
PO BOX 250169, PLANO, TX 75025-0169

Signing Officer

Name
Robert McDonald
Title
SVP-CFO
Signed
2021-04-03
Discuss with paid preparer
No

Organization Details

Principal Officer
Kent L Lugrand
Formed
1974
Legal Domicile
TX
Voting Board Members
9
Independent Board Members
9
Employees
221
Volunteers
15
Raw XML AppendixShowing 400 of 883 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/Form990PartVIISectionAGrp/OtherCompensationAmt120
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IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt150
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt160
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt170
IRS990/Form990PartVIISectionAGrp/PersonNm0Nancy Pressel
IRS990/Form990PartVIISectionAGrp/PersonNm1John Roberts
IRS990/Form990PartVIISectionAGrp/PersonNm2Christopher Lipper
IRS990/Form990PartVIISectionAGrp/PersonNm3Jodie Robinson
IRS990/Form990PartVIISectionAGrp/PersonNm4Theresa Tschirky
IRS990/Form990PartVIISectionAGrp/PersonNm5Lisa Papageorge
IRS990/Form990PartVIISectionAGrp/PersonNm6Terri Bryant-Harrell
IRS990/Form990PartVIISectionAGrp/PersonNm7John Shinneman
IRS990/Form990PartVIISectionAGrp/PersonNm8Robert Daniel Crouse
IRS990/Form990PartVIISectionAGrp/PersonNm9Kent L Lugrand
IRS990/Form990PartVIISectionAGrp/PersonNm10J Diane Gerstner
IRS990/Form990PartVIISectionAGrp/PersonNm11Robert McDonald
IRS990/Form990PartVIISectionAGrp/PersonNm12Sammie Cantrell
IRS990/Form990PartVIISectionAGrp/PersonNm13Thomas Condos
IRS990/Form990PartVIISectionAGrp/PersonNm14Timothy McCoy
IRS990/Form990PartVIISectionAGrp/PersonNm15Bridger Robinson
IRS990/Form990PartVIISectionAGrp/PersonNm16Kristen Schmieg-Jester
IRS990/Form990PartVIISectionAGrp/PersonNm17Piper Madison
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt00
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt91001630
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10346612
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt11265678
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt12212706
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt13228596
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt14196908
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt15179279
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt16144611
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt17168426
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt90
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt100
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt110
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt120
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt130
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt140
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt150
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt160
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt170
IRS990/Form990PartVIISectionAGrp/TitleTxt0Board Chairperson
IRS990/Form990PartVIISectionAGrp/TitleTxt1Board Vice Chairperson
IRS990/Form990PartVIISectionAGrp/TitleTxt2Board Treasurer
IRS990/Form990PartVIISectionAGrp/TitleTxt3Board Secretary
IRS990/Form990PartVIISectionAGrp/TitleTxt4Board Director
IRS990/Form990PartVIISectionAGrp/TitleTxt5Board Director
IRS990/Form990PartVIISectionAGrp/TitleTxt6Board Director
IRS990/Form990PartVIISectionAGrp/TitleTxt7Board Director
IRS990/Form990PartVIISectionAGrp/TitleTxt8Board Director
IRS990/Form990PartVIISectionAGrp/TitleTxt9President-CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt10EVP-EOO
IRS990/Form990PartVIISectionAGrp/TitleTxt11SVP-CFO
IRS990/Form990PartVIISectionAGrp/TitleTxt12SVP-CAO
IRS990/Form990PartVIISectionAGrp/TitleTxt13SVP-CIO
IRS990/Form990PartVIISectionAGrp/TitleTxt14SVP-Marketing and Ecommerce
IRS990/Form990PartVIISectionAGrp/TitleTxt15SVP-Lending & Branch Operations
IRS990/Form990PartVIISectionAGrp/TitleTxt16SVP-Delivery Channel Operations
IRS990/Form990PartVIISectionAGrp/TitleTxt17SVP of Lending and Operations
IRS990/Form990ProvidedToGvrnBodyInd0true
IRS990/Form990TFiledInd0true
IRS990/FormationYr01974
IRS990/FormerOfcrEmployeesListedInd0true
IRS990/FSAuditedInd0false
IRS990/FundraisingActivitiesInd0false
IRS990/FundraisingAmt00
IRS990/FundraisingDirectExpensesAmt00
IRS990/FundraisingGrossIncomeAmt00
IRS990/GainOrLossGrp/OtherAmt080948
IRS990/GainOrLossGrp/SecuritiesAmt0-72376
IRS990/GamingActivitiesInd0false
IRS990/GamingDirectExpensesAmt00
IRS990/GamingGrossIncomeAmt00
IRS990/GoverningBodyVotingMembersCnt09
IRS990/GovernmentGrantsAmt00
IRS990/GrantAmt00
IRS990/GrantsPayableGrp/BOYAmt00
IRS990/GrantsPayableGrp/EOYAmt00
IRS990/GrantsToIndividualsInd0false
IRS990/GrantsToOrganizationsInd0false
IRS990/GrantToRelatedPersonInd0false
IRS990/GrossAmountSalesAssetsGrp/OtherAmt080948
IRS990/GrossAmountSalesAssetsGrp/SecuritiesAmt00
IRS990/GrossReceiptsAmt043035300
IRS990/GroupReturnForAffiliatesInd0false
IRS990/IncludeFIN48FootnoteInd0false
IRS990/IncmFromInvestBondProceedsGrp/ExclusionAmt00
IRS990/IncmFromInvestBondProceedsGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/IncmFromInvestBondProceedsGrp/TotalRevenueColumnAmt00
IRS990/IncmFromInvestBondProceedsGrp/UnrelatedBusinessRevenueAmt00
IRS990/IndependentAuditFinclStmtInd0false
IRS990/IndependentVotingMemberCnt09
IRS990/IndivRcvdGreaterThan100KCnt09
IRS990/IndoorTanningServicesInd0false
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InformationTechnologyGrp/FundraisingAmt00
IRS990/InformationTechnologyGrp/ManagementAndGeneralAmt02816203
IRS990/InformationTechnologyGrp/ProgramServicesAmt00
IRS990/InformationTechnologyGrp/TotalAmt02816203
IRS990/InsuranceGrp/FundraisingAmt00
IRS990/InsuranceGrp/ManagementAndGeneralAmt0200369
IRS990/InsuranceGrp/ProgramServicesAmt00
IRS990/InsuranceGrp/TotalAmt0200369
IRS990/IntangibleAssetsGrp/BOYAmt00
IRS990/IntangibleAssetsGrp/EOYAmt00
IRS990/InterestGrp/FundraisingAmt00
IRS990/InterestGrp/ManagementAndGeneralAmt01036223
IRS990/InterestGrp/ProgramServicesAmt00
IRS990/InterestGrp/TotalAmt01036223
IRS990/InventoriesForSaleOrUseGrp/BOYAmt00
IRS990/InventoriesForSaleOrUseGrp/EOYAmt00
IRS990/InvestmentExpenseAmt00
IRS990/InvestmentIncomeGrp/ExclusionAmt00
IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt01790146
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt01790146
IRS990/InvestmentIncomeGrp/UnrelatedBusinessRevenueAmt00
IRS990/InvestmentInJointVentureInd0false
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt051920355
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt057065707
IRS990/InvestmentsProgramRelatedGrp/BOYAmt00
IRS990/InvestmentsProgramRelatedGrp/EOYAmt00
IRS990/InvestmentsPubTradedSecGrp/BOYAmt022737593
IRS990/InvestmentsPubTradedSecGrp/EOYAmt016540175
IRS990/IRPDocumentCnt036320
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt09148406
IRS990/LandBldgEquipBasisNetGrp/BOYAmt010766400
IRS990/LandBldgEquipBasisNetGrp/EOYAmt014659995
IRS990/LandBldgEquipCostOrOtherBssAmt023808401
IRS990/LegalDomicileStateCd0TX
IRS990/LessCostOthBasisSalesExpnssGrp/OtherAmt00
IRS990/LessCostOthBasisSalesExpnssGrp/SecuritiesAmt072376
IRS990/LoanOutstandingInd0true
IRS990/LoansFromOfficersDirectorsGrp/BOYAmt00
IRS990/LoansFromOfficersDirectorsGrp/EOYAmt00
IRS990/LocalChaptersInd0true
IRS990/MaterialDiversionOrMisuseInd0false
IRS990/MembershipDuesAmt00
IRS990/MembersOrStockholdersInd0true
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd0true
IRS990/MinutesOfGoverningBodyInd0true
IRS990/MissionDesc0The credit union is a member owned cooperative financial institution that provides Lending and Deposit services to its membership.
IRS990/MoreThan5000KToIndividualsInd0false
IRS990/MoreThan5000KToOrgInd0false
IRS990/MortgNotesPyblScrdInvstPropGrp/BOYAmt00
IRS990/MortgNotesPyblScrdInvstPropGrp/EOYAmt00
IRS990/NetAssetsOrFundBalancesBOYAmt076270542
IRS990/NetAssetsOrFundBalancesEOYAmt081753153
IRS990/NetGainOrLossInvestmentsGrp/ExclusionAmt00
IRS990/NetGainOrLossInvestmentsGrp/RelatedOrExemptFuncIncomeAmt08572
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt08572
IRS990/NetGainOrLossInvestmentsGrp/UnrelatedBusinessRevenueAmt00
IRS990/NetIncmFromFundraisingEvtGrp/ExclusionAmt00
IRS990/NetIncmFromFundraisingEvtGrp/TotalRevenueColumnAmt00
IRS990/NetIncmFromFundraisingEvtGrp/UnrelatedBusinessRevenueAmt00
IRS990/NetIncomeFromGamingGrp/ExclusionAmt00
IRS990/NetIncomeFromGamingGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/NetIncomeFromGamingGrp/TotalRevenueColumnAmt00
IRS990/NetIncomeFromGamingGrp/UnrelatedBusinessRevenueAmt00
IRS990/NetRentalIncomeOrLossGrp/ExclusionAmt00
IRS990/NetRentalIncomeOrLossGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/NetRentalIncomeOrLossGrp/TotalRevenueColumnAmt00
IRS990/NetRentalIncomeOrLossGrp/UnrelatedBusinessRevenueAmt00
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NetUnrlzdGainsLossesInvstAmt0479136
IRS990/NoncashContributionsAmt00
IRS990/NondeductibleContributionsInd0false
IRS990/OccupancyGrp/FundraisingAmt00
IRS990/OccupancyGrp/ManagementAndGeneralAmt02107088
IRS990/OccupancyGrp/ProgramServicesAmt00
IRS990/OccupancyGrp/TotalAmt02107088
IRS990/OfficeExpensesGrp/FundraisingAmt00
IRS990/OfficeExpensesGrp/ManagementAndGeneralAmt01643736
IRS990/OfficeExpensesGrp/ProgramServicesAmt00
IRS990/OfficeExpensesGrp/TotalAmt01643736
IRS990/OfficerMailingAddressInd0false
IRS990/OperateHospitalInd0false
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt01114547
IRS990/OtherAssetsTotalGrp/EOYAmt0172469
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/FundraisingAmt00
IRS990/OtherEmployeeBenefitsGrp/ManagementAndGeneralAmt00
IRS990/OtherEmployeeBenefitsGrp/ProgramServicesAmt00
IRS990/OtherEmployeeBenefitsGrp/TotalAmt00
IRS990/OtherExpensesGrp/Desc0Provision for Loan Losses
IRS990/OtherExpensesGrp/Desc1Professional and Outside Services
IRS990/OtherExpensesGrp/Desc2Loan Servicing Expenses
IRS990/OtherExpensesGrp/Desc3Miscellaneous Operating Expenses
IRS990/OtherExpensesGrp/FundraisingAmt00

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

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

Open filing
Assets
$920,945,761
Liabilities
$839,192,608
Net assets
$81,753,153
Revenue
$42,962,924
Expenses
$37,959,449
Net income
$5,003,475
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1,047$966$81.2$47.4$52.3$4.86
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1,008$918$90.6$46.1$36.7$9.45
2020Detailed filing. Detailed filing data is available for this year.$921$839$81.8$43.0$38.0$5.00
2019Facts available. Structured filing facts are available, but richer extracted sections are limited.$813$736$76.3$49.6$43.8$5.83
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$908$838$69.5$42.2$46.5$4.30
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$806$731$74.1$43.6$41.8$1.86
2016Facts available. Structured filing facts are available, but richer extracted sections are limited.$791$719$71.8$37.4$37.3$0.12
2015XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$779$707$71.8$44.5$39.0$5.46
2014Detailed filing. Detailed filing data is available for this year.$826$759$66.6$35.8$36.5$0.69
2013Detailed filing. Detailed filing data is available for this year.$810$750$60.2$34.5$34.3$0.22
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$832$764$67.9$36.0
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$843$781$62.7$44.8
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$865$801$64.1$43.9