Civic Intelligence

Americas Credit Union

EIN 75-6016747 • 501(c)14 • Garland, TX

View Organization Page

Profile

America's credit union exists to empower member-owners to improve their economic well-being while employing the following core values: personal service, integrity, excellence, financial stability, and a cooperative philosophy.

PO Box 469046Garland, TX 75046

americascu.org

Siviq Scores

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

Liabilities / Assets

16th percentile

0.86x

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

501(c)14 • $250M-$1B nonprofits • Source year 2024

Liabilities / Revenue

62nd percentile

15.76x

Higher debt load relative to revenue than 62% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Source year 2024

Net Margin

32nd percentile

6.1%

Higher net margin than 32% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Source year 2024

Top Officer Pay

82nd percentile

$650,228

Higher top officer pay than 82% of similar nonprofits.

Top officer pay equals 2.8% of source-year revenue.

501(c)14 • $250M-$1B nonprofits • Source year 2024

Asset Growth

92nd percentile

10%

Faster asset growth than 92% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Annualized from 2023 to 2024

Revenue Growth

24th percentile

6.7%

Faster revenue growth than 24% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets16th percentile

Assets

Up

$430,172,747

Up $39,765,450 (+10%) from 2023

Liabilities

Up

$370,359,590

Up $32,422,267 (+9.6%) from 2023

Net Assets

Up

$59,813,157

Up $7,343,183 (+14%) from 2023

Operations
Liabilities / Revenue62nd percentileNet Margin32nd percentile

Revenue

Up

$23,506,529

Up $1,472,223 (+6.7%) from 2023

Expenses

Up

$22,081,018

Up $3,586,430 (+19%) from 2023

Net Income

Down

$1,425,511

Down $2,114,207 (-60%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth92nd percentile

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

$600M$400M$200M$0Assets 2010: $156,463,508Liabilities 2010: $133,100,033Net Assets 2010: $23,363,4752010Assets 2011: $160,500,718Liabilities 2011: $138,018,577Net Assets 2011: $22,482,1412011Assets 2012: $181,588,878Liabilities 2012: $157,805,329Net Assets 2012: $23,783,5492012Assets 2013: $187,358,627Liabilities 2013: $163,065,009Net Assets 2013: $24,293,6182013Assets 2014: $190,473,115Liabilities 2014: $165,752,453Net Assets 2014: $24,720,6622014Assets 2015: $197,425,830Liabilities 2015: $172,193,547Net Assets 2015: $25,232,2832015Assets 2016: $238,993,884Liabilities 2016: $210,317,960Net Assets 2016: $28,675,9242016Assets 2017: $235,177,784Liabilities 2017: $204,189,529Net Assets 2017: $30,988,2552017Assets 2018: $228,611,661Liabilities 2018: $195,857,870Net Assets 2018: $32,753,7912018Assets 2019: $225,376,301Liabilities 2019: $191,169,267Net Assets 2019: $34,207,0342019Assets 2020: $389,020,387Liabilities 2020: $344,652,074Net Assets 2020: $44,368,3132020Assets 2021: $409,491,001Liabilities 2021: $363,209,072Net Assets 2021: $46,281,9292021Assets 2022: $407,039,109Liabilities 2022: $358,108,853Net Assets 2022: $48,930,2562022Assets 2023: $390,407,297Liabilities 2023: $337,937,323Net Assets 2023: $52,469,9742023Assets 2024: $430,172,747Liabilities 2024: $370,359,590Net Assets 2024: $59,813,1572024

Highlighted filing

2024

Assets$430,172,747
Liabilities$370,359,590
Net Assets$59,813,157
Open 2024 Filing

Operations Trend

Revenue Growth24th percentile

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

$30M$20M$10M$0Expenses 2010: $8,582,2352010Expenses 2011: $7,915,9042011Expenses 2012: $7,257,7382012Revenue 2013: $7,333,618Expenses 2013: $7,157,990Net Income 2013: $175,6282013Revenue 2014: $7,375,049Expenses 2014: $6,948,005Net Income 2014: $427,0442014Revenue 2015: $7,554,439Expenses 2015: $7,042,818Net Income 2015: $511,6212015Revenue 2016: $8,372,844Expenses 2016: $7,888,341Net Income 2016: $484,5032016Revenue 2017: $8,470,500Expenses 2017: $7,936,638Net Income 2017: $533,8622017Revenue 2018: $8,994,363Expenses 2018: $7,229,751Net Income 2018: $1,764,6122018Revenue 2019: $9,233,493Expenses 2019: $7,783,278Net Income 2019: $1,450,2152019Revenue 2020: $9,885,620Expenses 2020: $9,238,730Net Income 2020: $646,8902020Revenue 2021: $16,218,007Expenses 2021: $14,304,391Net Income 2021: $1,913,6162021Revenue 2022: $17,980,276Expenses 2022: $15,331,949Net Income 2022: $2,648,3272022Revenue 2023: $22,034,306Expenses 2023: $18,494,588Net Income 2023: $3,539,7182023Revenue 2024: $23,506,529Expenses 2024: $22,081,018Net Income 2024: $1,425,5112024

Highlighted filing

2024

Revenue$23,506,529
Expenses$22,081,018
Net Income$1,425,511
Open 2024 Filing

Filings

Most recent year

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

Open filing
Assets
$430,172,747
Liabilities
$370,359,590
Net assets
$59,813,157
Revenue
$23,506,529
Expenses
$22,081,018
Net income
$1,425,511
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$430$370$59.8$23.5$22.1$1.43
2023Detailed filing. Detailed filing data is available for this year.$390$338$52.5$22.0$18.5$3.54
2022Detailed filing. Detailed filing data is available for this year.$407$358$48.9$18.0$15.3$2.65
2021Detailed filing. Detailed filing data is available for this year.$409$363$46.3$16.2$14.3$1.91
2020Detailed filing. Detailed filing data is available for this year.$389$345$44.4$9.89$9.24$0.65
2019Detailed filing. Detailed filing data is available for this year.$225$191$34.2$9.23$7.78$1.45
2018Detailed filing. Detailed filing data is available for this year.$229$196$32.8$8.99$7.23$1.76
2017Detailed filing. Detailed filing data is available for this year.$235$204$31.0$8.47$7.94$0.53
2016Detailed filing. Detailed filing data is available for this year.$239$210$28.7$8.37$7.89$0.48
2015Detailed filing. Detailed filing data is available for this year.$197$172$25.2$7.55$7.04$0.51
2014Detailed filing. Detailed filing data is available for this year.$190$166$24.7$7.38$6.95$0.43
2013Detailed filing. Detailed filing data is available for this year.$187$163$24.3$7.33$7.16$0.18
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$182$158$23.8$7.26
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$161$138$22.5$7.92
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$156$133$23.4$8.58
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Nov 7, 2025
Return Version
2024v5.2
Gross Receipts
$24,236,816
Mission and Program Overview

Mission

America's credit union exists to empower member-owners to improve their economic well-being while employing the following core values: personal service, integrity, excellence, financial stability, and a cooperative philosophy.

America's credit union offers numerous services to its member-owners, each designed to assist them in improving their economic well-being.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$267,285,343$289,314,617▲ $22,029,274
Rtn Earn Endowment Incm Other Fnds$52,469,974$59,813,157▲ $7,343,183
Savings and Temporary Cash Investments$39,330,987$37,912,225▼ $1,418,762
Land, Buildings, and Equipment, Net$11,909,691$12,797,720▲ $888,029
Cash and Non-Interest-Bearing Accounts$2,924,138$7,983,459▲ $5,059,321
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-
Prepaid Expenses and Deferred Charges-$0-
Total Assets$390,407,297$430,172,747▲ $39,765,450
Other Assets Total$68,957,138$82,164,726▲ $13,207,588
Liabilities
Other Liabilities$334,387,979$366,101,425▲ $31,713,446
Accounts Payable and Accrued Expenses$3,549,344$4,258,165▲ $708,821
Total Liabilities$337,937,323$370,359,590▲ $32,422,267
Net Assets / Fund Balance
Total Net Assets Fund Balance$52,469,974$59,813,157▲ $7,343,183
Total Liabilities and Net Assets / Fund Balance$390,407,297$430,172,747▲ $39,765,450

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$8,570,643$4,046,674$12,617,317
Land$3,207,804-$3,207,804
Other Land Buildings$1,019,273$2,022,773$3,042,046
Other Assets Org$1--
Compensation and Service Providers
Top Officer Pay82nd percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Bert BealCEOFT$445,059$205,169$650,228
Shelley PenceCFOFT$261,818$50,043$311,861
Shelley PenceVP Human Capital-$211,818$100,043$311,861
Jason SteeleCIOFT$213,165$58,889$272,054
Jason SteeleInfo Sys Mgr-$178,165$93,889$272,054
Tammy De La CerdaChief LendingFT$189,366$27,669$217,035
Tammy De La Cerda--$164,366$52,669$217,035
Alexa BridgesVP-acquistion & CommFT$154,077$59,963$214,040
Tammy ChambersVP Human CapitalFT$172,081$41,857$213,938
Tammy ChambersChief Lending-$147,081$66,857$213,938
Scarlet MihailovVP Retail ServicesFT$169,774$31,931$201,705
Scarlet MihailovCFO-$144,774$56,931$201,705
Aaron WilliamsVP of Inn & MembFT$136,486$35,214$171,700
Edwin CastroVP-internal AudFT$132,749$25,895$158,644
Edwin CastroCIO-$124,530$34,114$158,644
Patricia MorrisInfo Sys MgrFT$127,422$26,969$154,391
Patricia MorrisVP Retail Services-$118,854$35,537$154,391
Martin MortensenDirector Dig Tr & SecFT$130,983$23,375$154,358
Martin MortensenVP-internal Aud-$122,644$31,714$154,358
Boyce CrownoverDirectorFT$133,865$8,812$142,677

Board Members and Trustees

NameTitle
Larry WadsworthChairman
Rafaye NesmithVice Chair
Christopher EnglishDirector
Dena SmithDirector
Kevin CrawfordDirector
Renee BartlettDirector
Sandy Thornton-
Raul MercadoSecretary

Highest Paid Contractors

ContractorServicesLocationCompensation
TrustageData ProcessingPO BOX 609, Monett, MO 65708$661,720
KasasaCompliance & Lending FormPO BOX 3400, Conroe, TX 77305$272,757
Sectigo LimitedRebranding Of Company18911 HARDY OAK RD SUITE 128, San Antonio, TX 78258$236,995
-Debit/cc Stock & Supp8800 E RAINTREE DR SUITE 110, Scottsdale, AZ 85260$220,151
Boss Creative AgencyChecking Acct Rwrds ServPO BOX 527, Lubbock, TX 79408$193,191
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$22,796,851
Investment Income
$129,567
Other Revenue
$580,111
Change in Net Assets
$1,425,511
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$12,309,411
Other Expenses$9,771,607
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$8,186,879
Current Officers, Directors, Trustees, and Key Employees---$2,080,861
Other Employee Benefits---$1,312,693
Fees for Services Other---$1,164,188
Payroll Taxes---$728,978
Occupancy---$578,167
All Other Expenses---$560,066
Other Expenses---$520,265
Depreciation Depletion---$491,633
Advertising---$467,772
Travel---$163,435
Information Technology---$160,317
Office Expenses---$144,325
Insurance---$134,804
Fees for Services Legal---$40,325
Fees for Services Accounting---$28,000
Fees for Service Investment Mgmnt Fees---$26,000
Total Functional Expenses$0$0$0$22,081,018
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
Member Deposits$366,101,425
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
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, Section A, Line 6

“There are no stockholders, only members. Organization is a credit union made up of members who are eligible to join based on specific criteria.”

Form 990, Part VI, Section B, Line 11B

“The form 990 is provided to the board members for review either at a regularly scheduled board meeting or via email or fax between meetings prior to being filed.”

Form 990, Part VI, Section B, Line 12C

“Internal controls have been put into place regarding transactions and lending that prohibit employees from initiating these types of transactions on personal or family members accounts.”

Form 990, Part VI, Section B, Line 15B

“Compensation of the president/ceo and various other executive level positions within the credit union are established by the board of directors, based on their consultation with an independent entity that provides comparability data and percentages of increase based on a scoring system. The president then uses same data to recommend salary increases for other employees. Board approval of salaries is documented in the board meeting minutes.”

Form 990, Part VI, Section C, Line 19

“Governing documents, policies and copies of financial statements are available upon request at the credit union's main offices located at 2154 forest lane, garland, tx 75046. Financial statements are also posted in the lobby of each branch location as well as being published in the annual report which is distributed to each member who attends the annual meeting.”

Filing and Contact Details

Filer

Filer Name
Americas Credit Union
EIN
75-6016747
Phone
9724945328
Address
PO BOX 469046, GARLAND, TX 75046

Signing Officer

Name
Bert Beal
Title
President & CEO
Signed
2025-11-07
Discuss with paid preparer
Yes

Organization Details

Formed
1934
Legal Domicile
TX
Voting Board Members
8
Independent Board Members
8
Employees
133

Preparer

Firm
Mcpa Pc
Address
301 E BROAD ST, FORNEY, TX 75126
Preparer
Kyle Allis
Phone
9725641660
Supplemental Narrative

Additional Explanations

Form 990, Part XI, Line 9

“Equity Acquired in Merger = $5917672”

Raw XML AppendixShowing 400 of 711 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/BOYAmt03549344
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt04258165
IRS990/AccountsReceivableGrp/EOYAmt00
IRS990/ActivitiesConductedPrtshpInd0false
IRS990/ActivityOrMissionDesc0AMERICA'S CREDIT UNION OFFERS NUMEROUS SERVICES TO ITS MEMBER-OWNERS, EACH DESIGNED TO ASSIST THEM IN IMPROVING THEIR ECONOMIC WELL-BEING.
IRS990/AdvertisingGrp/TotalAmt0467772
IRS990/AllOtherExpensesGrp/TotalAmt0560066
IRS990/AnnualDisclosureCoveredPrsnInd0true
IRS990/BackupWthldComplianceInd0false
IRS990/BenefitsToMembersGrp/TotalAmt00
IRS990/BooksInCareOfDetail/PersonNm0MICHELLE YBARRA
IRS990/BooksInCareOfDetail/PhoneNum02147426551
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt010501 N CENTRAL EXPY STE 300
IRS990/BooksInCareOfDetail/USAddress/CityNm0DALLAS
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0TX
IRS990/BooksInCareOfDetail/USAddress/ZIPCd075231
IRS990/BusinessRlnWith35CtrlEntInd0false
IRS990/BusinessRlnWithFamMemInd0false
IRS990/BusinessRlnWithOrgMemInd0false
IRS990/CashNonInterestBearingGrp/BOYAmt02924138
IRS990/CashNonInterestBearingGrp/EOYAmt07983459
IRS990/ChangeToOrgDocumentsInd0false
IRS990/CntrctRcvdGreaterThan100KCnt012
IRS990/CollectionsOfArtInd0false
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt02080861
IRS990/CompDisqualPersonsGrp/TotalAmt00
IRS990/CompensationFromOtherSrcsInd0false
IRS990/CompensationProcessCEOInd0true
IRS990/CompensationProcessOtherInd0true
IRS990/ConferencesMeetingsGrp/TotalAmt00
IRS990/ConflictOfInterestPolicyInd0true
IRS990/ConservationEasementsInd0false
IRS990/ConsolidatedAuditFinclStmtInd0false
IRS990/ContractorCompensationGrp/CompensationAmt0661720
IRS990/ContractorCompensationGrp/CompensationAmt1272757
IRS990/ContractorCompensationGrp/CompensationAmt2193191
IRS990/ContractorCompensationGrp/CompensationAmt3236995
IRS990/ContractorCompensationGrp/CompensationAmt4220151
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt0PO BOX 609
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt1PO BOX 3400
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt2PO BOX 527
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt318911 HARDY OAK RD SUITE 128
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt48800 E RAINTREE DR SUITE 110
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm0MONETT
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm1CONROE
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm2LUBBOCK
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm3SAN ANTONIO
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm4SCOTTSDALE
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd0MO
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd1TX
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd2TX
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd3TX
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd4AZ
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd065708
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd177305
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd279408
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd378258
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd485260
IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt0TRUSTAGE
IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt1KASASA
IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt2BOSS CREATIVE AGENCY
IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt3SECTIGO LIMITED
IRS990/ContractorCompensationGrp/ContractorName/PersonNm0JACK HENRY
IRS990/ContractorCompensationGrp/ServicesDesc0DATA PROCESSING
IRS990/ContractorCompensationGrp/ServicesDesc1COMPLIANCE & LENDING FORM
IRS990/ContractorCompensationGrp/ServicesDesc2CHECKING ACCT RWRDS SERV
IRS990/ContractorCompensationGrp/ServicesDesc3REBRANDING OF COMPANY
IRS990/ContractorCompensationGrp/ServicesDesc4DEBIT/CC STOCK & SUPP
IRS990/CreditCounselingInd0false
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt0129567
IRS990/CYOtherExpensesAmt09771607
IRS990/CYOtherRevenueAmt0580111
IRS990/CYProgramServiceRevenueAmt022796851
IRS990/CYRevenuesLessExpensesAmt01425511
IRS990/CYSalariesCompEmpBnftPaidAmt012309411
IRS990/CYTotalExpensesAmt022081018
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt023506529
IRS990/DecisionsSubjectToApprovaInd0false
IRS990/DeductibleArtContributionInd0false
IRS990/DeductibleNonCashContriInd0false
IRS990/DelegationOfMgmtDutiesInd0false
IRS990/DepreciationDepletionGrp/TotalAmt0491633
IRS990/Desc0PROVIDED COMPETITIVE, LOW COST FINANCIAL SERVICES TO MEET THE NEEDS OF CREDIT UNION MEMBERSHIP IN ORDER TO HELP THEM ACHIEVE IMPROVED ECONOMIC WELL-BEING.
IRS990/DescribedInSection501c3Ind0false
IRS990/DisregardedEntityInd0false
IRS990/DocumentRetentionPolicyInd0true
IRS990/DonorAdvisedFundInd0false
IRS990/DonorRstrOrQuasiEndowmentsInd0false
IRS990/ElectionOfBoardMembersInd0true
IRS990/EmployeeCnt0133
IRS990/EmploymentTaxReturnsFiledInd0true
IRS990/FamilyOrBusinessRlnInd0false
IRS990/FederalGrantAuditRequiredInd0false
IRS990/FeesForServicesAccountingGrp/TotalAmt028000
IRS990/FeesForServicesLegalGrp/TotalAmt040325
IRS990/FeesForServicesLobbyingGrp/TotalAmt00
IRS990/FeesForServicesManagementGrp/TotalAmt00
IRS990/FeesForServicesOtherGrp/TotalAmt01164188
IRS990/FeesForServicesProfFundraising/TotalAmt00
IRS990/FeesForSrvcInvstMgmntFeesGrp/TotalAmt026000
IRS990/ForeignActivitiesInd0false
IRS990/ForeignFinancialAccountInd0false
IRS990/ForeignGrantsGrp/TotalAmt00
IRS990/ForeignOfficeInd0false
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt00.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt10.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt20.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt30.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt40.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt50.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt60.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt70.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt80.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt90.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt100.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt110.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt120.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt130.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt140.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt150.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt160.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt170.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt180.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt190.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt040.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt140.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt240.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt340.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt440.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt540.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt640.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt740.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt840.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt940.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1040.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1140.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt121.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt131.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt141.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt151.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt161.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt171.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt181.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt191.00
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd1X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd2X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd3X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd4X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd5X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd6X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd7X
IRS990/Form990PartVIISectionAGrp/OfficerInd0X
IRS990/Form990PartVIISectionAGrp/OfficerInd1X
IRS990/Form990PartVIISectionAGrp/OfficerInd2X
IRS990/Form990PartVIISectionAGrp/OfficerInd3X
IRS990/Form990PartVIISectionAGrp/OfficerInd4X
IRS990/Form990PartVIISectionAGrp/OfficerInd5X
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt071151
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt150043
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt258889
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt327669
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt434963
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt541857
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt631931
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt725464
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt825895
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt926969
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1023375
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt118812
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt120
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt130
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt140
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt150
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt160
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt170
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt180
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt190
IRS990/Form990PartVIISectionAGrp/PersonNm0BERT BEAL
IRS990/Form990PartVIISectionAGrp/PersonNm1SHELLEY PENCE
IRS990/Form990PartVIISectionAGrp/PersonNm2JASON STEELE
IRS990/Form990PartVIISectionAGrp/PersonNm3TAMMY DE LA CERDA
IRS990/Form990PartVIISectionAGrp/PersonNm4ALEXA BRIDGES
IRS990/Form990PartVIISectionAGrp/PersonNm5TAMMY CHAMBERS
IRS990/Form990PartVIISectionAGrp/PersonNm6SCARLET MIHAILOV
IRS990/Form990PartVIISectionAGrp/PersonNm7AARON WILLIAMS
IRS990/Form990PartVIISectionAGrp/PersonNm8EDWIN CASTRO
IRS990/Form990PartVIISectionAGrp/PersonNm9PATRICIA MORRIS
IRS990/Form990PartVIISectionAGrp/PersonNm10MARTIN MORTENSEN
IRS990/Form990PartVIISectionAGrp/PersonNm11BOYCE CROWNOVER
IRS990/Form990PartVIISectionAGrp/PersonNm12RENEE BARTLETT
IRS990/Form990PartVIISectionAGrp/PersonNm13RAFAYE NESMITH
IRS990/Form990PartVIISectionAGrp/PersonNm14RAUL MERCADO
IRS990/Form990PartVIISectionAGrp/PersonNm15DENA SMITH
IRS990/Form990PartVIISectionAGrp/PersonNm16KEVIN CRAWFORD
IRS990/Form990PartVIISectionAGrp/PersonNm17LARRY WADSWORTH
IRS990/Form990PartVIISectionAGrp/PersonNm18CHRISTOPHER ENGLISH
IRS990/Form990PartVIISectionAGrp/PersonNm19SANDY THORNTON
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt0579077
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt1261818
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt2213165
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt3189366
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt4179077
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt5172081
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt6169774
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt7146236
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt8132749
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt9127422
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10130983
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt11133865
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt120
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt130
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt140
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt150
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt160
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt170
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt180
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt190
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt70
IRS990/Form990PartVIISectionAGrp/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/ReportableCompFromRltdOrgAmt180
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt190
IRS990/Form990PartVIISectionAGrp/TitleTxt0CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt1CFO
IRS990/Form990PartVIISectionAGrp/TitleTxt2CIO
IRS990/Form990PartVIISectionAGrp/TitleTxt3Chief Lending
IRS990/Form990PartVIISectionAGrp/TitleTxt4VP-ACQUISTION & COMM
IRS990/Form990PartVIISectionAGrp/TitleTxt5VP HUMAN CAPITAL
IRS990/Form990PartVIISectionAGrp/TitleTxt6VP RETAIL SERVICES
IRS990/Form990PartVIISectionAGrp/TitleTxt7VP OF INN & MEMB
IRS990/Form990PartVIISectionAGrp/TitleTxt8VP-INTERNAL AUD
IRS990/Form990PartVIISectionAGrp/TitleTxt9INFO SYS MGR
IRS990/Form990PartVIISectionAGrp/TitleTxt10DIR DIG TR & SEC
IRS990/Form990PartVIISectionAGrp/TitleTxt11Director
IRS990/Form990PartVIISectionAGrp/TitleTxt12Director
IRS990/Form990PartVIISectionAGrp/TitleTxt13VICE CHAIR
IRS990/Form990PartVIISectionAGrp/TitleTxt14Secretary
IRS990/Form990PartVIISectionAGrp/TitleTxt15Director
IRS990/Form990PartVIISectionAGrp/TitleTxt16Director
IRS990/Form990PartVIISectionAGrp/TitleTxt17Chairman
IRS990/Form990PartVIISectionAGrp/TitleTxt18Director
IRS990/Form990ProvidedToGvrnBodyInd0true
IRS990/Form990TFiledInd0true
IRS990/FormationYr01934
IRS990/FormerOfcrEmployeesListedInd0false
IRS990/FSAuditedInd0false
IRS990/FundraisingActivitiesInd0false
IRS990/GamingActivitiesInd0false
IRS990/GoverningBodyVotingMembersCnt08
IRS990/GrantsToDomesticIndividualsGrp/TotalAmt00
IRS990/GrantsToDomesticOrgsGrp/TotalAmt00
IRS990/GrantsToIndividualsInd0false
IRS990/GrantsToOrganizationsInd0false
IRS990/GrantToRelatedPersonInd0false
IRS990/GrossReceiptsAmt024236816
IRS990/GrossRentsGrp/RealAmt0444330
IRS990/GroupReturnForAffiliatesInd0false
IRS990/IncludeFIN48FootnoteInd0false
IRS990/IncmFromInvestBondProceedsGrp/TotalRevenueColumnAmt00
IRS990/IndependentAuditFinclStmtInd0false
IRS990/IndependentVotingMemberCnt08
IRS990/IndivRcvdGreaterThan100KCnt012
IRS990/IndoorTanningServicesInd0false
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartXIInd0X
IRS990/InformationTechnologyGrp/TotalAmt0160317
IRS990/InsuranceGrp/TotalAmt0134804
IRS990/IntangibleAssetsGrp/EOYAmt00
IRS990/InterestGrp/TotalAmt00
IRS990/InventoriesForSaleOrUseGrp/EOYAmt00
IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt0129567
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt0129567
IRS990/InvestmentInJointVentureInd0false
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt00
IRS990/InvestmentsProgramRelatedGrp/EOYAmt00
IRS990/InvestmentsPubTradedSecGrp/EOYAmt00
IRS990/IRPDocumentCnt05155
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt06069447
IRS990/LandBldgEquipBasisNetGrp/BOYAmt011909691
IRS990/LandBldgEquipBasisNetGrp/EOYAmt012797720
IRS990/LandBldgEquipCostOrOtherBssAmt018867167
IRS990/LegalDomicileStateCd0TX
IRS990/LessRentalExpensesGrp/RealAmt0730287
IRS990/LoanOutstandingInd0true
IRS990/LocalChaptersInd0true
IRS990/MaterialDiversionOrMisuseInd0false
IRS990/MembersOrStockholdersInd0true
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd0true
IRS990/MinutesOfGoverningBodyInd0true
IRS990/MiscellaneousRevenueGrp/TotalRevenueColumnAmt022883
IRS990/MiscellaneousRevenueGrp/UnrelatedBusinessRevenueAmt022883
IRS990/MissionDesc0AMERICA'S CREDIT UNION EXISTS TO EMPOWER MEMBER-OWNERS TO IMPROVE THEIR ECONOMIC WELL-BEING WHILE EMPLOYING THE FOLLOWING CORE VALUES: PERSONAL SERVICE, INTEGRITY, EXCELLENCE, FINANCIAL STABILITY, AND A COOPERATIVE PHILOSOPHY.
IRS990/MoreThan5000KToIndividualsInd0false
IRS990/MoreThan5000KToOrgInd0false
IRS990/NetAssetsOrFundBalancesBOYAmt052469974
IRS990/NetAssetsOrFundBalancesEOYAmt059813157
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt00
IRS990/NetIncmFromFundraisingEvtGrp/TotalRevenueColumnAmt00
IRS990/NetIncomeFromGamingGrp/TotalRevenueColumnAmt00
IRS990/NetIncomeOrLossGrp/TotalRevenueColumnAmt00
IRS990/NetRentalIncomeOrLossGrp/ExclusionAmt0-285957
IRS990/NetRentalIncomeOrLossGrp/TotalRevenueColumnAmt0-285957
IRS990/NondeductibleContributionsInd0false
IRS990/OccupancyGrp/TotalAmt0578167
IRS990/OfficeExpensesGrp/TotalAmt0144325
IRS990/OfficerMailingAddressInd0false
IRS990/OperateHospitalInd0false
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt068957138
IRS990/OtherAssetsTotalGrp/EOYAmt082164726
IRS990/OtherChangesInNetAssetsAmt05917672
IRS990/OtherEmployeeBenefitsGrp/TotalAmt01312693
IRS990/OtherExpensesGrp/Desc0DIVIDEND EXPENSES
IRS990/OtherExpensesGrp/Desc1MISC OPERATING EXPENSE
IRS990/OtherExpensesGrp/Desc2PROVISIONS FOR LOANS/OD LOSSES
IRS990/OtherExpensesGrp/Desc3mAINTENANCE & REPAIRS
IRS990/OtherExpensesGrp/TotalAmt02499140
IRS990/OtherExpensesGrp/TotalAmt11843170
IRS990/OtherExpensesGrp/TotalAmt2950000
IRS990/OtherExpensesGrp/TotalAmt3520265
IRS990/OtherLiabilitiesGrp/BOYAmt0334387979
IRS990/OtherLiabilitiesGrp/EOYAmt0366101425
IRS990/OtherRevenueMiscGrp/Desc0AD&D INSURANCE
IRS990/OtherRevenueMiscGrp/Desc1AUTOMOBILE WARRANTY
IRS990/OtherRevenueMiscGrp/Desc2CUNA INSURANCE PRODUCTS
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt0218649
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt1225520
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt2399016
IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt0218649
IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt1225520
IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt2399016
IRS990/OtherRevenueTotalAmt0866068
IRS990/OtherSalariesAndWagesGrp/TotalAmt08186879
IRS990/OtherWebsiteInd0X
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt0267285343
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0289314617
IRS990/PartialLiquidationInd0false
IRS990/PaymentsToAffiliatesGrp/TotalAmt00
IRS990/PayrollTaxesGrp/TotalAmt0728978
IRS990/PensionPlanContributionsGrp/TotalAmt00
IRS990/PledgesAndGrantsReceivableGrp/EOYAmt00
IRS990/PoliciesReferenceChaptersInd0true
IRS990/PoliticalCampaignActyInd0false
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt00
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/Desc0FEE INCOME
IRS990/ProgramServiceRevenueGrp/Desc1INVESTMENT INCOME
IRS990/ProgramServiceRevenueGrp/Desc2LOAN INTEREST INCOME
IRS990/ProgramServiceRevenueGrp/Desc3OTHER OPERATING INCOME
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt02098262
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt13934743
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt214919922
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt31843924
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt02098262
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt13934743
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt214919922
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt31843924
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYInvestmentIncomeAmt020788
IRS990/PymtTravelEntrtnmntPubOfclGrp/TotalAmt00
IRS990/PYOtherExpensesAmt07664310
IRS990/PYOtherRevenueAmt0620942
IRS990/PYProgramServiceRevenueAmt021392576
IRS990/PYRevenuesLessExpensesAmt03539718
IRS990/PYSalariesCompEmpBnftPaidAmt010830278
IRS990/PYTotalExpensesAmt018494588
IRS990/PYTotalRevenueAmt022034306
IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt00
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt00
IRS990/ReconcilationRevenueExpnssAmt01425511
IRS990/RegularMonitoringEnfrcInd0true
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/RentalIncomeOrLossGrp/RealAmt0-285957
IRS990/ReportInvestmentsOtherSecInd0false

Document Assets

No mirrored PDF or thumbnail assets are attached yet.