Civic Intelligence

My Credit Union

EIN 75-1518680 • 501(c)14 • Haslet, TX

View Organization Page

Profile

State chartered Credit Union

13016 Highway 287Haslet, TX 76052

www.mycutx.com

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

55th percentile

0.89x

Higher debt load relative to assets than 55% of similar nonprofits.

501(c)14 • $50M-$100M nonprofits • Source year 2024

Liabilities / Revenue

16th percentile

12.74x

Higher debt load relative to revenue than 16% of similar nonprofits.

501(c)14 • $50M-$100M nonprofits • Source year 2024

Net Margin

78th percentile

21%

Higher net margin than 78% of similar nonprofits.

501(c)14 • $50M-$100M nonprofits • Source year 2024

Top Officer Pay

Score unavailable

No value available

No filing with officer rows is available for this organization yet.

Asset Growth

41st percentile

-0.5%

Faster asset growth than 41% of similar nonprofits.

501(c)14 • $50M-$100M nonprofits • Annualized from 2023 to 2024

Revenue Growth

48th percentile

11%

Faster revenue growth than 48% of similar nonprofits.

501(c)14 • $50M-$100M nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets55th percentile

Assets

Down

$54,246,770

Down $269,297 (-0.5%) from 2023

Liabilities

Down

$48,141,221

Down $1,054,946 (-2.1%) from 2023

Net Assets

Up

$6,105,549

Up $785,649 (+15%) from 2023

Operations
Liabilities / Revenue16th percentileNet Margin78th percentile

Revenue

Up

$3,779,586

Up $389,363 (+11%) from 2023

Expenses

Up

$2,993,937

Up $298,239 (+11%) from 2023

Net Income

Up

$785,649

Up $91,124 (+13%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth41st percentile

Grouped bars show assets, liabilities, and net assets across loaded filings.

$80M$60M$40M$20M$0Assets 2010: $35,542,279Liabilities 2010: $32,333,411Net Assets 2010: $3,208,8682010Assets 2011: $36,831,608Liabilities 2011: $33,461,477Net Assets 2011: $3,370,1312011Assets 2012: $39,536,870Liabilities 2012: $35,945,025Net Assets 2012: $3,591,8452012Assets 2013: $41,816,778Liabilities 2013: $38,022,050Net Assets 2013: $3,794,7282013Assets 2014: $42,894,398Liabilities 2014: $39,016,204Net Assets 2014: $3,878,1942014Assets 2015: $45,032,153Liabilities 2015: $41,153,072Net Assets 2015: $3,879,0812015Assets 2016: $47,611,978Liabilities 2016: $43,678,181Net Assets 2016: $3,933,7972016Assets 2017: $49,160,199Liabilities 2017: $45,139,262Net Assets 2017: $4,020,9372017Assets 2018: $48,737,216Liabilities 2018: $44,659,936Net Assets 2018: $4,077,2802018Assets 2019: $47,387,792Liabilities 2019: $43,276,754Net Assets 2019: $4,111,0382019Assets 2020: $56,322,144Liabilities 2020: $52,318,107Net Assets 2020: $4,004,0372020Assets 2021: $61,637,293Liabilities 2021: $57,445,467Net Assets 2021: $4,191,8262021Assets 2022: $57,846,660Liabilities 2022: $53,221,285Net Assets 2022: $4,625,3752022Assets 2023: $54,516,067Liabilities 2023: $49,196,167Net Assets 2023: $5,319,9002023Assets 2024: $54,246,770Liabilities 2024: $48,141,221Net Assets 2024: $6,105,5492024

Highlighted filing

2024

Assets$54,246,770
Liabilities$48,141,221
Net Assets$6,105,549
Open 2024 Filing

Operations Trend

Revenue Growth48th percentile

Revenue, expenses, and net income by year, with the latest filing highlighted.

$4.0M$3.0M$2.0M$1.0M$0-$1.0MExpenses 2010: $3,395,7782010Expenses 2011: $3,382,4142011Revenue 2012: $3,585,794Expenses 2012: $3,364,080Net Income 2012: $221,7142012Revenue 2013: $3,493,507Expenses 2013: $3,290,624Net Income 2013: $202,8832013Revenue 2014: $3,316,083Expenses 2014: $3,232,616Net Income 2014: $83,4672014Revenue 2015: $3,234,064Expenses 2015: $3,233,177Net Income 2015: $8872015Revenue 2016: $3,570,451Expenses 2016: $3,515,735Net Income 2016: $54,7162016Revenue 2017: $3,670,584Expenses 2017: $3,583,444Net Income 2017: $87,1402017Revenue 2018: $3,628,088Expenses 2018: $3,571,745Net Income 2018: $56,3432018Revenue 2019: $3,484,698Expenses 2019: $3,450,940Net Income 2019: $33,7582019Revenue 2020: $3,187,161Expenses 2020: $3,294,162Net Income 2020: -$107,0012020Revenue 2021: $3,023,305Expenses 2021: $2,835,516Net Income 2021: $187,7892021Revenue 2022: $2,959,002Expenses 2022: $2,525,453Net Income 2022: $433,5492022Revenue 2023: $3,390,223Expenses 2023: $2,695,698Net Income 2023: $694,5252023Revenue 2024: $3,779,586Expenses 2024: $2,993,937Net Income 2024: $785,6492024

Highlighted filing

2024

Revenue$3,779,586
Expenses$2,993,937
Net Income$785,649
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$54,246,770
Liabilities
$48,141,221
Net assets
$6,105,549
Revenue
$3,779,586
Expenses
$2,993,937
Net income
$785,649
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$54.2$48.1$6.11$3.78$2.99$0.79
2023Detailed filing. Detailed filing data is available for this year.$54.5$49.2$5.32$3.39$2.70$0.69
2022Detailed filing. Detailed filing data is available for this year.$57.8$53.2$4.63$2.96$2.53$0.43
2021Detailed filing. Detailed filing data is available for this year.$61.6$57.4$4.19$3.02$2.84$0.19
2020Detailed filing. Detailed filing data is available for this year.$56.3$52.3$4.00$3.19$3.29$0.11
2019Detailed filing. Detailed filing data is available for this year.$47.4$43.3$4.11$3.48$3.45$0.03
2018Detailed filing. Detailed filing data is available for this year.$48.7$44.7$4.08$3.63$3.57$0.06
2017Detailed filing. Detailed filing data is available for this year.$49.2$45.1$4.02$3.67$3.58$0.09
2016Detailed filing. Detailed filing data is available for this year.$47.6$43.7$3.93$3.57$3.52$0.05
2015Detailed filing. Detailed filing data is available for this year.$45.0$41.2$3.88$3.23$3.23$0.00
2014Detailed filing. Detailed filing data is available for this year.$42.9$39.0$3.88$3.32$3.23$0.08
2013Detailed filing. Detailed filing data is available for this year.$41.8$38.0$3.79$3.49$3.29$0.20
2012Summary only. Only limited summary data is available for this year.$39.5$35.9$3.59$3.59$3.36$0.22
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$36.8$33.5$3.37$3.38
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$35.5$32.3$3.21$3.40
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
May 13, 2025
Return Version
2024v5.2
Gross Receipts
$3,779,586
Mission and Program Overview

Mission

My credit union is a non-profit financial institution owned and governed by its members. The purpose of the credit union is to assist its members in achieving financial security by providing competitive, low-cost financial services consistent with the needs of the membership. The credit union is service oriented and is dedicated to providing services in an efficient, convenient and friendly manner.

State chartered Credit Union

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$29,973,027$28,165,387▼ $1,807,640
Savings and Temporary Cash Investments$21,543,149$23,034,543▲ $1,491,394
Land, Buildings, and Equipment, Net$1,476,194$1,442,216▼ $33,978
Cash and Non-Interest-Bearing Accounts$881,283$840,456▼ $40,827
Accounts Receivable$11,497$94,296▲ $82,799
Prepaid Expenses and Deferred Charges-$71,663-
Receivables From Officers Etc$0$15,289▲ $15,289
Total Assets$54,516,067$54,246,770▼ $269,297
Other Assets Total$630,917$582,920▼ $47,997
Liabilities
Other Liabilities$49,028,861$47,207,719▼ $1,821,142
Accounts Payable and Accrued Expenses$167,306$933,502▲ $766,196
Total Liabilities$49,196,167$48,141,221▼ $1,054,946
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$5,319,900$6,105,549▲ $785,649
Total Net Assets Fund Balance$5,319,900$6,105,549▲ $785,649
Total Liabilities and Net Assets / Fund Balance$54,516,067$54,246,770▼ $269,297

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$775,325$949,464-
Land$628,339--
Equipment$30,551$1,134,775-
Leasehold Improvements$8,001$333,528-
Compensation and Service Providers
Top Officer PayScore unavailable

Employees

NameTitleFull / Part TimeBaseTotal
Bruce UrbanovskyCEOFT$116,347$116,347

Board Members and Trustees

NameTitle
Sharon BaileyChairperson
Greg LewisVice Chairperson
Kevin WhiteBoard Member
Orliss StennisBoard Member
Charles JackmanSecretary
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$2,664,278
Investment Income
$1,115,308
Other Revenue
$0
Change in Net Assets
$785,649
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$1,738,058
Salaries, Compensation, and Employee Benefits$1,255,879
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$948,701$0$0$948,701
All Other Expenses$451,022$0$0$451,022
Information Technology$396,005$0$0$396,005
Occupancy$183,005$0$0$183,005
Current Officers, Directors, Trustees, and Key Employees$116,347$0$0$116,347
Office Expenses$107,352$0$0$107,352
Payroll Taxes$92,957$0$0$92,957
Other Employee Benefits$72,274$0$0$72,274
Insurance$50,491$0$0$50,491
Depreciation Depletion$46,385$0$0$46,385
Fees for Services Other$28,940$0$0$28,940
Advertising$28,115$0$0$28,115
Pension Plan Contributions$25,600$0$0$25,600
Fees for Services Accounting$25,460$0$0$25,460
Other Expenses$10,559$0$0$10,559
Fees for Services Legal$2,915$0$0$2,915
Conferences and Meetings$2,135$0$0$2,135
Total Functional Expenses$2,993,937$0$0$2,993,937
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 Officers, Directors, Trustees, and Key Employees$0$15,289▲ $15,289
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Deposits$47,207,719
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
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
No
Management duties delegated
No
Filing and Contact Details

Filer

Filer Name
My Credit Union
EIN
75-1518680
Phone
8174282463
Address
13016 Highway 287, Haslet, TX 76052

Signing Officer

Name
Mark Massey
Title
CEO
Phone
8174282463
Signed
2025-05-13

Organization Details

Principal Officer
Ryan Smith
Formed
1975
Legal Domicile
TX
Voting Board Members
5
Independent Board Members
5
Employees
35
Volunteers
0

Preparer

Firm
Greg R Schmidt CPA
Address
26 Cypress Pt, Amarillo, TX 79124
Preparer
Greg R Schmidt
Phone
8552759297
Supplemental Narrative

Additional Explanations

Pt VI, Line 6

“The credit union is wholly owned by its members”

Pt VI, Line 7A

“All account holders are members and have voting rights”

Pt VI, Line 11B

“The Form 990 is reviewed by the Board”

Pt VI, Line 12C

“Board members must confirm that they are not involved in”

Pt VI, Line 12C

“any activity that would create a conflict of interest”

Pt VI, Line 15A

“Compensation for the President/CEO is reviewed by the Board”

Pt VI, Line 15B

“Compensation for all management positions are reviewed by the Board”

Form 990, Part IX, Line 24E

“Deferred Comp Expense 0. 0.”

Form 990, Part IX, Line 24E

“Tx CU Dept 11525. 11525.”

Form 990, Part IX, Line 24E

“Loan Servicing 22257. 22257.”

Form 990, Part IX, Line 24E

“Dividends 239890. 239890.”

Form 990, Part IX, Line 24E

“Administrative Exp 164512. 164512.”

Form 990, Part IX, Line 24E

“Misc 12838. 12838.”

Raw XML AppendixShowing 400 of 439 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/BOYAmt0167306
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt0933502
IRS990/AccountsReceivableGrp/BOYAmt011497
IRS990/AccountsReceivableGrp/EOYAmt094296
IRS990/ActivitiesConductedPrtshpInd0false
IRS990/ActivityOrMissionDesc0State chartered Credit Union
IRS990/AdvertisingGrp/FundraisingAmt00
IRS990/AdvertisingGrp/ManagementAndGeneralAmt00
IRS990/AdvertisingGrp/ProgramServicesAmt028115
IRS990/AdvertisingGrp/TotalAmt028115
IRS990/AllOtherExpensesGrp/FundraisingAmt00
IRS990/AllOtherExpensesGrp/ManagementAndGeneralAmt00
IRS990/AllOtherExpensesGrp/ProgramServicesAmt0451022
IRS990/AllOtherExpensesGrp/TotalAmt0451022
IRS990/AnnualDisclosureCoveredPrsnInd0true
IRS990/BooksInCareOfDetail/PersonNm0My Credit Union
IRS990/BooksInCareOfDetail/PhoneNum08174282463
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt013016 Highway 287
IRS990/BooksInCareOfDetail/USAddress/CityNm0Haslet
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0TX
IRS990/BooksInCareOfDetail/USAddress/ZIPCd076052
IRS990/BusinessRlnWith35CtrlEntInd0false
IRS990/BusinessRlnWithFamMemInd0false
IRS990/BusinessRlnWithOrgMemInd0false
IRS990/CashNonInterestBearingGrp/BOYAmt0881283
IRS990/CashNonInterestBearingGrp/EOYAmt0840456
IRS990/ChangeToOrgDocumentsInd0false
IRS990/CollectionsOfArtInd0false
IRS990/CompCurrentOfcrDirectorsGrp/FundraisingAmt00
IRS990/CompCurrentOfcrDirectorsGrp/ManagementAndGeneralAmt00
IRS990/CompCurrentOfcrDirectorsGrp/ProgramServicesAmt0116347
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt0116347
IRS990/CompensationFromOtherSrcsInd0false
IRS990/CompensationProcessCEOInd0true
IRS990/CompensationProcessOtherInd0true
IRS990/ConferencesMeetingsGrp/FundraisingAmt00
IRS990/ConferencesMeetingsGrp/ManagementAndGeneralAmt00
IRS990/ConferencesMeetingsGrp/ProgramServicesAmt02135
IRS990/ConferencesMeetingsGrp/TotalAmt02135
IRS990/ConflictOfInterestPolicyInd0true
IRS990/ConservationEasementsInd0false
IRS990/ConsolidatedAuditFinclStmtInd0false
IRS990/CreditCounselingInd0false
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt01115308
IRS990/CYOtherExpensesAmt01738058
IRS990/CYOtherRevenueAmt00
IRS990/CYProgramServiceRevenueAmt02664278
IRS990/CYRevenuesLessExpensesAmt0785649
IRS990/CYSalariesCompEmpBnftPaidAmt01255879
IRS990/CYTotalExpensesAmt02993937
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt03779586
IRS990/DecisionsSubjectToApprovaInd0false
IRS990/DeductibleArtContributionInd0false
IRS990/DeductibleNonCashContriInd0false
IRS990/DelegationOfMgmtDutiesInd0false
IRS990/DepreciationDepletionGrp/FundraisingAmt00
IRS990/DepreciationDepletionGrp/ManagementAndGeneralAmt00
IRS990/DepreciationDepletionGrp/ProgramServicesAmt046385
IRS990/DepreciationDepletionGrp/TotalAmt046385
IRS990/Desc0Provided competitive, low cost financial services to meet the needs of the Credit Union membership in order to help them achieve financial security.
IRS990/DescribedInSection501c3Ind0false
IRS990/DisregardedEntityInd0false
IRS990/DocumentRetentionPolicyInd0true
IRS990/DonorAdvisedFundInd0false
IRS990/DonorRstrOrQuasiEndowmentsInd0false
IRS990/ElectionOfBoardMembersInd0true
IRS990/EmployeeCnt035
IRS990/EmploymentTaxReturnsFiledInd0true
IRS990/FamilyOrBusinessRlnInd0false
IRS990/FederalGrantAuditRequiredInd0false
IRS990/FeesForServicesAccountingGrp/FundraisingAmt00
IRS990/FeesForServicesAccountingGrp/ManagementAndGeneralAmt00
IRS990/FeesForServicesAccountingGrp/ProgramServicesAmt025460
IRS990/FeesForServicesAccountingGrp/TotalAmt025460
IRS990/FeesForServicesLegalGrp/FundraisingAmt00
IRS990/FeesForServicesLegalGrp/ManagementAndGeneralAmt00
IRS990/FeesForServicesLegalGrp/ProgramServicesAmt02915
IRS990/FeesForServicesLegalGrp/TotalAmt02915
IRS990/FeesForServicesOtherGrp/FundraisingAmt00
IRS990/FeesForServicesOtherGrp/ManagementAndGeneralAmt00
IRS990/FeesForServicesOtherGrp/ProgramServicesAmt028940
IRS990/FeesForServicesOtherGrp/TotalAmt028940
IRS990/ForeignActivitiesInd0false
IRS990/ForeignFinancialAccountInd0false
IRS990/ForeignOfficeInd0false
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt01.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt11.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt21.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt31.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt41.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt540.00
IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd1X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd2X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd3X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd4X
IRS990/Form990PartVIISectionAGrp/KeyEmployeeInd0X
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/PersonNm0Sharon Bailey
IRS990/Form990PartVIISectionAGrp/PersonNm1Greg Lewis
IRS990/Form990PartVIISectionAGrp/PersonNm2Charles Jackman
IRS990/Form990PartVIISectionAGrp/PersonNm3Kevin White
IRS990/Form990PartVIISectionAGrp/PersonNm4Orliss Stennis
IRS990/Form990PartVIISectionAGrp/PersonNm5Bruce Urbanovsky
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt5116347
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt50
IRS990/Form990PartVIISectionAGrp/TitleTxt0Chairperson
IRS990/Form990PartVIISectionAGrp/TitleTxt1Vice Chairperson
IRS990/Form990PartVIISectionAGrp/TitleTxt2Secretary
IRS990/Form990PartVIISectionAGrp/TitleTxt3Board Member
IRS990/Form990PartVIISectionAGrp/TitleTxt4Board Member
IRS990/Form990PartVIISectionAGrp/TitleTxt5CEO
IRS990/Form990ProvidedToGvrnBodyInd0true
IRS990/Form990TFiledInd0true
IRS990/FormationYr01975
IRS990/FormerOfcrEmployeesListedInd0false
IRS990/FSAuditedInd0false
IRS990/FundraisingActivitiesInd0false
IRS990/GamingActivitiesInd0false
IRS990/GoverningBodyVotingMembersCnt05
IRS990/GrantsToIndividualsInd0false
IRS990/GrantsToOrganizationsInd0false
IRS990/GrantToRelatedPersonInd0false
IRS990/GrossReceiptsAmt03779586
IRS990/GroupReturnForAffiliatesInd0false
IRS990/IncludeFIN48FootnoteInd0false
IRS990/IndependentAuditFinclStmtInd0false
IRS990/IndependentVotingMemberCnt05
IRS990/IndivRcvdGreaterThan100KCnt01
IRS990/IndoorTanningServicesInd0false
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InformationTechnologyGrp/FundraisingAmt00
IRS990/InformationTechnologyGrp/ManagementAndGeneralAmt00
IRS990/InformationTechnologyGrp/ProgramServicesAmt0396005
IRS990/InformationTechnologyGrp/TotalAmt0396005
IRS990/InsuranceGrp/FundraisingAmt00
IRS990/InsuranceGrp/ManagementAndGeneralAmt00
IRS990/InsuranceGrp/ProgramServicesAmt050491
IRS990/InsuranceGrp/TotalAmt050491
IRS990/InvestmentIncomeGrp/ExclusionAmt00
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt01115308
IRS990/InvestmentIncomeGrp/UnrelatedBusinessRevenueAmt00
IRS990/InvestmentInJointVentureInd0false
IRS990/IRPDocumentCnt01127
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt02417767
IRS990/LandBldgEquipBasisNetGrp/BOYAmt01476194
IRS990/LandBldgEquipBasisNetGrp/EOYAmt01442216
IRS990/LandBldgEquipCostOrOtherBssAmt03859983
IRS990/LegalDomicileStateCd0TX
IRS990/LoanOutstandingInd0true
IRS990/LocalChaptersInd0true
IRS990/MaterialDiversionOrMisuseInd0false
IRS990/MembersOrStockholdersInd0true
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd0true
IRS990/MinutesOfGoverningBodyInd0true
IRS990/MissionDesc0State chartered Credit Union
IRS990/MoreThan5000KToIndividualsInd0false
IRS990/MoreThan5000KToOrgInd0false
IRS990/NetAssetsOrFundBalancesBOYAmt05319900
IRS990/NetAssetsOrFundBalancesEOYAmt06105549
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NoDonorRestrictionNetAssetsGrp/BOYAmt05319900
IRS990/NoDonorRestrictionNetAssetsGrp/EOYAmt06105549
IRS990/NondeductibleContributionsInd0false
IRS990/OccupancyGrp/FundraisingAmt00
IRS990/OccupancyGrp/ManagementAndGeneralAmt00
IRS990/OccupancyGrp/ProgramServicesAmt0183005
IRS990/OccupancyGrp/TotalAmt0183005
IRS990/OfficeExpensesGrp/FundraisingAmt00
IRS990/OfficeExpensesGrp/ManagementAndGeneralAmt00
IRS990/OfficeExpensesGrp/ProgramServicesAmt0107352
IRS990/OfficeExpensesGrp/TotalAmt0107352
IRS990/OfficerMailingAddressInd0false
IRS990/OperateHospitalInd0false
IRS990/Organization501cInd0X
IRS990/OrganizationFollowsFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt0630917
IRS990/OtherAssetsTotalGrp/EOYAmt0582920
IRS990/OtherEmployeeBenefitsGrp/FundraisingAmt00
IRS990/OtherEmployeeBenefitsGrp/ManagementAndGeneralAmt00
IRS990/OtherEmployeeBenefitsGrp/ProgramServicesAmt072274
IRS990/OtherEmployeeBenefitsGrp/TotalAmt072274
IRS990/OtherExpensesGrp/Desc0Debit Card Expense
IRS990/OtherExpensesGrp/Desc1Mastercard/Bill Pay Expense
IRS990/OtherExpensesGrp/Desc2Provisions for Loans/OD Losses
IRS990/OtherExpensesGrp/Desc3Debit Card Fraud
IRS990/OtherExpensesGrp/FundraisingAmt00
IRS990/OtherExpensesGrp/FundraisingAmt10
IRS990/OtherExpensesGrp/FundraisingAmt20
IRS990/OtherExpensesGrp/FundraisingAmt30
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt00
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt10
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt20
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt30
IRS990/OtherExpensesGrp/ProgramServicesAmt0311545
IRS990/OtherExpensesGrp/ProgramServicesAmt136212
IRS990/OtherExpensesGrp/ProgramServicesAmt257917
IRS990/OtherExpensesGrp/ProgramServicesAmt310559
IRS990/OtherExpensesGrp/TotalAmt0311545
IRS990/OtherExpensesGrp/TotalAmt136212
IRS990/OtherExpensesGrp/TotalAmt257917
IRS990/OtherExpensesGrp/TotalAmt310559
IRS990/OtherLiabilitiesGrp/BOYAmt049028861
IRS990/OtherLiabilitiesGrp/EOYAmt047207719
IRS990/OtherSalariesAndWagesGrp/FundraisingAmt00
IRS990/OtherSalariesAndWagesGrp/ManagementAndGeneralAmt00
IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt0948701
IRS990/OtherSalariesAndWagesGrp/TotalAmt0948701
IRS990/OtherWebsiteInd0X
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt029973027
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt028165387
IRS990/PartialLiquidationInd0false
IRS990/PayrollTaxesGrp/FundraisingAmt00
IRS990/PayrollTaxesGrp/ManagementAndGeneralAmt00
IRS990/PayrollTaxesGrp/ProgramServicesAmt092957
IRS990/PayrollTaxesGrp/TotalAmt092957
IRS990/PensionPlanContributionsGrp/FundraisingAmt00
IRS990/PensionPlanContributionsGrp/ManagementAndGeneralAmt00
IRS990/PensionPlanContributionsGrp/ProgramServicesAmt025600
IRS990/PensionPlanContributionsGrp/TotalAmt025600
IRS990/PoliciesReferenceChaptersInd0true
IRS990/PoliticalCampaignActyInd0false
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt071663
IRS990/PrincipalOfficerNm0Ryan Smith
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/BusinessCd2522100
IRS990/ProgramServiceRevenueGrp/BusinessCd3522100
IRS990/ProgramServiceRevenueGrp/Desc0Loan Interest Income
IRS990/ProgramServiceRevenueGrp/Desc1Fee Income
IRS990/ProgramServiceRevenueGrp/Desc2Misc Operating
IRS990/ProgramServiceRevenueGrp/Desc3Administrative Income
IRS990/ProgramServiceRevenueGrp/ExclusionAmt00
IRS990/ProgramServiceRevenueGrp/ExclusionAmt10
IRS990/ProgramServiceRevenueGrp/ExclusionAmt20
IRS990/ProgramServiceRevenueGrp/ExclusionAmt30
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt01807510
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1616421
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt275835
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt3164512
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt10
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt221200
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt30
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYInvestmentIncomeAmt0735527
IRS990/PYOtherExpensesAmt01542836
IRS990/PYProgramServiceRevenueAmt02654696
IRS990/PYRevenuesLessExpensesAmt0694525
IRS990/PYSalariesCompEmpBnftPaidAmt01152862
IRS990/PYTotalExpensesAmt02695698
IRS990/PYTotalRevenueAmt03390223
IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt00
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt015289
IRS990/ReconcilationRevenueExpnssAmt0785649
IRS990/RegularMonitoringEnfrcInd0true
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/SavingsAndTempCashInvstGrp/BOYAmt021543149
IRS990/SavingsAndTempCashInvstGrp/EOYAmt023034543
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/BuildingsGrp/BookValueAmt0775325
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0949464
IRS990ScheduleD/BuildingsGrp/InvestmentCostOrOtherBasisAmt01724789
IRS990ScheduleD/EquipmentGrp/BookValueAmt030551
IRS990ScheduleD/EquipmentGrp/DepreciationAmt01134775
IRS990ScheduleD/EquipmentGrp/InvestmentCostOrOtherBasisAmt01165326
IRS990ScheduleD/LandGrp/BookValueAmt0628339
IRS990ScheduleD/LandGrp/InvestmentCostOrOtherBasisAmt0628339
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt08001
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt0333528
IRS990ScheduleD/LeaseholdImprovementsGrp/InvestmentCostOrOtherBasisAmt0341529
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt047207719
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0Member Deposits
IRS990ScheduleD/TotalBookValueLandBuildingsAmt01442216
IRS990ScheduleD/TotalLiabilityAmt047207719
IRS990/ScheduleJRequiredInd0false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt06653
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt1955
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt27681
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd0true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd1true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd2true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd0false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd1false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd2false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd0X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd1X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd2X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt0Used Auto
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt1Credit Card
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt2Used Auto
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt024373
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt17000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt237866
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm0Greg Lewis
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm1Greg Lewis
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm2Orliss Stennis
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt0Board
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt1Board
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt2Board
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd0true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd1true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd2true
IRS990ScheduleL/TotalBalanceDueAmt015289
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0The credit union is wholly owned by its members
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1All account holders are members and have voting rights
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2The Form 990 is reviewed by the Board
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3Board members must confirm that they are not involved in
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4any activity that would create a conflict of interest
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5Compensation for the President/CEO is reviewed by the Board
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6Compensation for all management positions are reviewed by the Board
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7Deferred Comp Expense 0. 0.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt8Tx CU Dept 11525. 11525.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt9Loan Servicing 22257. 22257.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt10Dividends 239890. 239890.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt11Administrative Exp 164512. 164512.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt12Misc 12838. 12838.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Pt VI, Line 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Pt VI, Line 7a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Pt VI, Line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Pt VI, Line 12c
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Pt VI, Line 12c
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Pt VI, Line 15a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6Pt VI, Line 15b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7Form 990, Part IX, Line 24e
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc8Form 990, Part IX, Line 24e
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc9Form 990, Part IX, Line 24e
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc10Form 990, Part IX, Line 24e
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc11Form 990, Part IX, Line 24e
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc12Form 990, Part IX, Line 24e
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt054516067
IRS990/TotalAssetsEOYAmt054246770
IRS990/TotalAssetsGrp/BOYAmt054516067
IRS990/TotalAssetsGrp/EOYAmt054246770
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt035
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt02993937
IRS990/TotalFunctionalExpensesGrp/TotalAmt02993937
IRS990/TotalGrossUBIAmt021200
IRS990/TotalLiabilitiesBOYAmt049196167
IRS990/TotalLiabilitiesEOYAmt048141221
IRS990/TotalLiabilitiesGrp/BOYAmt049196167
IRS990/TotalLiabilitiesGrp/EOYAmt048141221
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt05319900
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt06105549
IRS990/TotalOtherCompensationAmt00
IRS990/TotalProgramServiceRevenueAmt02664278
IRS990/TotalReportableCompFromOrgAmt0116347
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt03758386
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt03779586
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt021200
IRS990/TotalVolunteersCnt00
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt054516067
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt054246770
IRS990/TotReportableCompRltdOrgAmt00

Document Assets

No mirrored PDF or thumbnail assets are attached yet.