Civic Intelligence

Reeves County Teachers Credit Union

EIN 75-6056679 • 501(c)14 • Pecos, TX

Profile

Reeves County Teachers Credit Union was organized to provide financial services to school employees and their families

PO Box 430Pecos, TX 79772

n/A

Siviq Scores

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

Liabilities / Assets

62nd percentile

0.88x

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

501(c)14 • $10M-$25M nonprofits • Source year 2025

Liabilities / Revenue

40th percentile

13.91x

Higher debt load relative to revenue than 40% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Source year 2025

Net Margin

51st percentile

7.9%

Higher net margin than 51% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Source year 2025

Top Officer Pay

51st percentile

$81,360

Higher top officer pay than 51% of similar nonprofits.

Top officer pay equals 11.6% of source-year revenue.

501(c)14 • $10M-$25M nonprofits • Source year 2025

Asset Growth

52nd percentile

0.3%

Faster asset growth than 52% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Annualized from 2024 to 2025

Revenue Growth

51st percentile

6.7%

Faster revenue growth than 51% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Annualized from 2024 to 2025

Assets

Up

$11,119,979

Up $28,051 (+0.3%) from 2024

Liabilities

Down

$9,740,088

Down $27,597 (-0.3%) from 2024

Net Assets

Up

$1,379,891

Up $55,648 (+4.2%) from 2024

Revenue

Up

$699,981

Up $43,738 (+6.7%) from 2024

Expenses

Down

$644,333

Down $12,467 (-1.9%) from 2024

Net Income

Up

$55,648

Up $56,205 (+10091%) from 2024

Trend Graphs

Balance Sheet Trend

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

$15M$10M$5.0M$0Assets 2019: $13,319,167Liabilities 2019: $12,147,243Net Assets 2019: $1,171,9242019Assets 2020: $11,667,074Liabilities 2020: $10,414,916Net Assets 2020: $1,252,1582020Assets 2021: $11,154,133Liabilities 2021: $9,790,829Net Assets 2021: $1,363,3042021Assets 2022: $9,808,024Liabilities 2022: $8,423,041Net Assets 2022: $1,384,9832022Assets 2023: $9,637,209Liabilities 2023: $8,312,409Net Assets 2023: $1,324,8002023Assets 2024: $11,091,928Liabilities 2024: $9,767,685Net Assets 2024: $1,324,2432024Assets 2025: $11,119,979Liabilities 2025: $9,740,088Net Assets 2025: $1,379,8912025

Highlighted filing

2025

Assets$11,119,979
Liabilities$9,740,088
Net Assets$1,379,891

Operations Trend

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

$1.5M$1.0M$500K$0-$500KRevenue 2019: $914,780Expenses 2019: $1,016,805Net Income 2019: -$102,0252019Revenue 2020: $809,155Expenses 2020: $728,921Net Income 2020: $80,2342020Revenue 2021: $667,138Expenses 2021: $555,992Net Income 2021: $111,1462021Revenue 2022: $570,829Expenses 2022: $549,150Net Income 2022: $21,6792022Revenue 2023: $694,222Expenses 2023: $680,785Net Income 2023: $13,4372023Revenue 2024: $656,243Expenses 2024: $656,800Net Income 2024: -$5572024Revenue 2025: $699,981Expenses 2025: $644,333Net Income 2025: $55,6482025

Highlighted filing

2025

Revenue$699,981
Expenses$644,333
Net Income$55,648

Filings

Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2025 to Dec 31, 2025
Signed
Feb 16, 2026
Return Version
2025v4.0
Gross Receipts
$699,981
Mission and Program Overview

Mission

Reeves County Teachers Credit Union was organized to provide financial services to school employees and their families

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$8,354,327$8,507,178▲ $152,851
Rtn Earn Endowment Incm Other Fnds$1,324,243$1,379,891▲ $55,648
Savings and Temporary Cash Investments$1,102,955$1,152,955▲ $50,000
Cash and Non-Interest-Bearing Accounts$1,096,214$954,851▼ $141,363
Land, Buildings, and Equipment, Net$324,356$308,405▼ $15,951
Receivables From Officers Etc$164,016$141,328▼ $22,688
Accounts Receivable$28,857$27,824▼ $1,033
Prepaid Expenses and Deferred Charges$21,203$27,438▲ $6,235
Total Assets$11,091,928$11,119,979▲ $28,051
Liabilities
Other Liabilities$9,717,410$9,632,534▼ $84,876
Accounts Payable and Accrued Expenses$50,275$107,554▲ $57,279
Total Liabilities$9,767,685$9,740,088▼ $27,597
Net Assets / Fund Balance
Total Net Assets Fund Balance$1,324,243$1,379,891▲ $55,648
Total Liabilities and Net Assets / Fund Balance$11,091,928$11,119,979▲ $28,051

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$244,637$257,362-
Land$55,000--
Equipment$8,768$111,644-
Compensation and Service Providers

Employees

NameTitleFull / Part TimeBaseTotal
Luzelva EstrelloCEOFT$81,360$81,360

Board Members and Trustees

NameTitle
John SalcidoChairperson
Gary RumbaughVice Chair
Lucia DominguezDirector
Rebecca GranadoSecretary
Teresa BarraganTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$541,335
Investment Income
$56,348
Other Revenue
$102,298
Change in Net Assets
$55,648
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$395,733
Salaries, Compensation, and Employee Benefits$248,600
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$117,841$0$0$117,841
Current Officers, Directors, Trustees, and Key Employees$81,360$0$0$81,360
Occupancy$60,981$0$0$60,981
All Other Expenses$32,258$0$0$32,258
Other Employee Benefits$28,984$0$0$28,984
Advertising$26,224$0$0$26,224
Depreciation Depletion$21,510$0$0$21,510
Fees for Services Accounting$17,507$0$0$17,507
Information Technology$16,397$0$0$16,397
Payroll Taxes$15,700$0$0$15,700
Office Expenses$11,419$0$0$11,419
Insurance$7,642$0$0$7,642
Fees for Services Other$6,240$0$0$6,240
Conferences and Meetings$5,400$0$0$5,400
Pension Plan Contributions$4,715$0$0$4,715
Travel$1,312$0$0$1,312
Other Expenses$-50$0$0$-50
Total Functional Expenses$644,333$0$0$644,333
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$164,016$141,328▼ $22,688
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Deposits$9,632,534
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
Yes
Annual disclosure for covered persons
Yes
Audit committee
Yes
Backup withholding compliance
No
Business relationship with 35% controlled entity
No
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
Yes
Other officer compensation reviewed
Yes
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
Yes
Management duties delegated
No
Filing and Contact Details

Filer

Filer Name
Reeves County Teachers Credit Union
EIN
75-6056679
Phone
4324476192
Address
PO Box 430, Pecos, TX 79772

Signing Officer

Name
Frank Jimenez
Title
Accountant
Phone
4324476192
Signed
2026-02-16
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Frank Jimenez
Formed
1967
Legal Domicile
TX
Voting Board Members
5
Independent Board Members
5
Employees
4
Volunteers
7

Preparer

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

Additional Explanations

Pt VI, Line 6

The Credit Union is made up of members.

Pt VI, Line 7A

Officers of the credit union are elected to serve 3 year terms by the members.

Pt VI, Line 7B

Members approve the annual actions of the board of directors at the Annual Shareholders Meeting.

Pt VI, Line 11B

The Board of Directors pays a CPA to prepare and review the Form 990

Pt VI, Line 12C

Members of the Board are required to disclose any possible conflicts that could lead to issues directing the credit union in a sound manner

Pt VI, Line 15A

Annual review of all personnel are discussed with the Board of Directors.

Pt VI, Line 15B

Annual review of all personnel are discussed with the Board of Directors.

Pt XI

CECL Adjustment to Undivided Earnings

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IRS990/PYTotalRevenueAmt0656243
IRS990/QuidProQuoContributionsInd0false
IRS990/RcvFndsToPayPrsnlBnftCntrctInd0false
IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt0164016
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt0141328
IRS990/ReconcilationRevenueExpnssAmt055648
IRS990/RegularMonitoringEnfrcInd0true
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/RentalIncomeOrLossGrp/RealAmt045600
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt01324243
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt01379891
IRS990/SavingsAndTempCashInvstGrp/BOYAmt01102955
IRS990/SavingsAndTempCashInvstGrp/EOYAmt01152955
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/BuildingsGrp/BookValueAmt0244637
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0257362
IRS990ScheduleD/BuildingsGrp/InvestmentCostOrOtherBasisAmt0501999
IRS990ScheduleD/EquipmentGrp/BookValueAmt08768
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0111644
IRS990ScheduleD/EquipmentGrp/InvestmentCostOrOtherBasisAmt0120412
IRS990ScheduleD/LandGrp/BookValueAmt055000
IRS990ScheduleD/LandGrp/InvestmentCostOrOtherBasisAmt055000
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt09632534
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0Member Deposits
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0308405
IRS990ScheduleD/TotalLiabilityAmt09632534
IRS990/ScheduleJRequiredInd0false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt03120
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt117164
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt27713
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt328299
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt49005
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt544337
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt631690
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd0true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd1true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd2true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd3true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd4true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd5true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd6true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd0false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd1false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd2false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd3false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd4false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd5false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd6false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd0X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd1X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd2X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd3X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd4X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd5X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd6X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt0Unsecured
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt1Auto
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt2Share Sec
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt3Auto
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt4Auto
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt5Auto
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt6Share Sec
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt05845
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt117410
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt210565
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt349209
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt435055
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt553843
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt634779
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm0Teresa Barragan
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm1Teresa Barragan
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm2Luzelva Estrello
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm3Luzelva Estrello
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm4Gary Rumbaugh
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm5Rebecca Granado
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm6Rebecca Granado
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt0Director
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt1Director
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt2CEO/Mgr
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt3CEO/Mgr
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt4Vice Chair
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt5Director
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt6Director
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd0true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd1true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd2true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd3true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd4true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd5true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd6true
IRS990ScheduleL/TotalBalanceDueAmt0141328
IRS990/ScheduleORequiredInd0false
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0The Credit Union is made up of members.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1Officers of the credit union are elected to serve 3 year terms by the members.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2Members approve the annual actions of the board of directors at the Annual Shareholders Meeting.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3The Board of Directors pays a CPA to prepare and review the Form 990
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4Members of the Board are required to disclose any possible conflicts that could lead to issues directing the credit union in a sound manner
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5Annual review of all personnel are discussed with the Board of Directors.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6Annual review of all personnel are discussed with the Board of Directors.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7CECL Adjustment to Undivided Earnings
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Pt VI, Line 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Pt VI, Line 7a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Pt VI, Line 7b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Pt VI, Line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Pt VI, Line 12c
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Pt VI, Line 15a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6Pt VI, Line 15b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7Pt XI
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false

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