Civic Intelligence

Estacado Credit Union

990 • Fiscal year 2013 • EIN 85-6014623

Jan 01, 2013 to Dec 31, 2013 • Filed on May 15, 2014

Organization ProfileWWW.ESTACADOCU.COM

View Organization Page

PO Box 108288260

(575) 396-7727

Siviq Scores

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

Liabilities / Assets

50th percentile

0.87x

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

2013 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2013

Liabilities / Revenue

12th percentile

9.84x

Higher debt load relative to revenue than 12% of similar nonprofits.

2013 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2013

Net Margin

93rd percentile

22%

Higher net margin than 93% of similar nonprofits.

2013 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2013

Top Officer Pay

Score unavailable

No value available

This filing does not contain officer compensation rows.

Source year 2013

Asset Growth

98th percentile

12%

Faster asset growth than 98% of similar nonprofits.

2013 filings • 501(c)14 • $10M-$25M nonprofits • Annualized from 2012 to 2013

Revenue Growth

Score unavailable

No value available

No earlier valid filing was available within the previous three public years.

Source year 2013

Balance Sheet
Liabilities / Assets50th percentile

Assets

Up

$12,974,674

Up $1,397,796 (+12%) from 2012

Net Assets

Up

$1,679,997

Up $253,417 (+18%) from 2012

Liabilities

Up

$11,294,677

Up $1,144,379 (+11%) from 2012

Revenue And Expenses
Liabilities / Revenue12th percentileNet Margin93rd percentile

Revenue

$1,147,751

No earlier filing loaded for comparison.

Expenses

Up

$894,334

Up $102,846 (+13%) from 2012

Net Income

$253,417

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth98th percentile

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

$15M$10M$5.0M$0Assets 2010: $9,061,662Liabilities 2010: $7,886,378Net Assets 2010: $1,175,2842010Assets 2011: $10,319,303Liabilities 2011: $9,081,100Net Assets 2011: $1,238,2032011Assets 2012: $11,576,878Liabilities 2012: $10,150,298Net Assets 2012: $1,426,5802012Assets 2013: $12,974,674Liabilities 2013: $11,294,677Net Assets 2013: $1,679,9972013

Highlighted filing

2013

Assets$12,974,674
Liabilities$11,294,677
Net Assets$1,679,997
Open 2013 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$1.5M$1.0M$500K$0Expenses 2010: $926,1212010Expenses 2011: $724,8512011Expenses 2012: $791,4882012Revenue 2013: $1,147,751Expenses 2013: $894,334Net Income 2013: $253,4172013

Highlighted filing

2013

Revenue$1,147,751
Expenses$894,334
Net Income$253,417
Open 2013 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2013 to Dec 31, 2013
Signed
May 15, 2014
Return Version
2013v3.0
Gross Receipts
$1,152,407
Mission and Program Overview

Mission

The credit union was established to promote thrift among its members, creating a source of credit for such members at reasonable rates of interest and providing an opportunity for its members to use and control their own money on a democratic basis to improve their economic and social conditions.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$7,852,011$8,543,925▲ $691,914
Savings and Temporary Cash Investments$2,205,118$2,009,264▼ $195,854
Cash and Non-Interest-Bearing Accounts$960,304$1,888,841▲ $928,537
Rtn Earn Endowment Incm Other Fnds$1,240,962$1,494,379▲ $253,417
Land, Buildings, and Equipment, Net$276,927$289,468▲ $12,541
Cap Stk Tr Prin Current Funds$185,618$185,618→ $0
Investments Program Related$89,532$100,446▲ $10,914
Prepaid Expenses and Deferred Charges$144,651$89,862▼ $54,789
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Total Assets$11,576,878$12,974,674▲ $1,397,796
Other Assets Total$48,335$52,868▲ $4,533
Liabilities
Other Liabilities$10,044,600$11,236,246▲ $1,191,646
Accounts Payable and Accrued Expenses$105,698$58,431▼ $47,267
Total Liabilities$10,150,298$11,294,677▲ $1,144,379
Net Assets / Fund Balance
Total Net Assets Fund Balance$1,426,580$1,679,997▲ $253,417
Total Liabilities and Net Assets / Fund Balance$11,576,878$12,974,674▲ $1,397,796

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$94,622$100,637$195,259
Buildings$143,681$44,489$188,170
Other Land Buildings$37,165$4,238$41,403
Land$14,000-$14,000
Compensation and Service Providers
Top Officer PayScore unavailable

Employees

NameTitleFull / Part TimeBaseOtherTotal
Mark RoddenberryCEO/treasurerFT$73,117$22,916$96,033

Board Members and Trustees

NameTitle
Ricky DunlapPresident
Brenda GarciaVice President
Helen HayesDirector
Rhonda PhillipsDirector
Carol StreberSecretary
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$1,128,390
Investment Income
$15,691
Other Revenue
$3,670
Change in Net Assets
$253,417

Audited Revenue Reconciliation

Revenue per Audited Statements
$1,147,751
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Total Revenue per Audited Statements
$1,147,751
Total Revenue per Form 990
$1,147,751
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$568,239
Salaries, Compensation, and Employee Benefits$326,095
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$172,345
Current Officers, Directors, Trustees, and Key Employees---$96,033
Advertising---$74,527
Fees for Services Other---$64,159
Office Expenses---$63,847
Occupancy---$52,468
Other Employee Benefits---$33,586
Interest---$32,238
Depreciation Depletion---$29,231
Fees for Services Accounting---$25,130
Insurance---$21,381
Payroll Taxes---$20,685
Travel---$9,434
Conferences and Meetings---$7,378
Other Expenses---$3,690
Pension Plan Contributions---$3,446
All Other Expenses---$3,180
Total Functional Expenses$0$0$0$894,334

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$894,334
Total Expenses per Audited Statements$894,334
Total Expenses per Form 990$894,334
Expenses Not Reported on Financial Statements$0
Expenses Not Reported on Form 990$0
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
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Members Shares & Savings$11,236,246
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
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
No
Other officer compensation reviewed
No
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

“The credit union was formed by the members to provide quality financial services to its members.”

Form 990, Part VI, Section A, line 7A

“The members of the credit union vote on the board of directors. Elections are done on a one member one vote basis.”

Form 990, Part VI, Section B, line 11

“Management presented a copy of the form 990 to the board for review, discussion and approval at the board meeting immediately proceeding the filing of the form 990.”

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

“The employees and directors are required to be familiar with the conflict of interest policy, and annually they are required to sign off that they will comply with the policy.”

Form 990, Part VI, Section C, line 19

“The organization's governing documents, conflict of interest policy and audited financial statements are available for viewing by the public at the organization's office in lovington, nm.”

Filing and Contact Details

Filer

EIN
85-6014623
Phone
5753967727

Signing Officer

Name
Mark Roddenberry
Title
CEO
Phone
5753967727
Signed
2014-05-15
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Mark Roddenberry
Formed
1964
Legal Domicile
Nm
Voting Board Members
5
Independent Board Members
5
Employees
8
Volunteers
0

Preparer

Preparer
Matt R Willis
Phone
8067473806
Supplemental Narrative

Additional Explanations

Form 990, Part XII, Line 2C

“The board as a whole is responsible for overseeing the financial statement audit and selecting the independent financial statement auditor.”

Financial Statement Notes

Form 990, Schedule D, Part VIII/IX

“Part VIII THE AMOUNT OF INVESTMENTS - PROGRAM RELATED ON FORM 990, PAGE 11, PART X, LINE 13 DOES NOT EQUAL OR EXCEED 5 PERCENT OF THE TOTAL ASSETS ON FORM 990, PAGE 11, PART X, LINE 16, COLUMN B. CONSEQUENTLY IN ACCORDANCE WITH IRS INSTRUCTIONS SCHEDULE D, PART VIII HAS BEEN LEFT BLANK. Part IX THE AMOUNT OF OTHER ASSETS ON FORM 990, PAGE 11, PART X, LINE 15 DOES NOT EQUAL OR EXCEED 5 PERCENT OF THE TOTAL ASSETS ON FORM 990, PAGE 11, PART X, LINE 16, COLUMN B. CONSEQUENTLY IN ACCORDANCE WITH IRS INSTRUCTIONS SCHEDULE D, PART IX HAS BEEN LEFT BLANK.”

Raw XML Appendix360 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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IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0Part VIII THE AMOUNT OF INVESTMENTS - PROGRAM RELATED ON FORM 990, PAGE 11, PART X, LINE 13 DOES NOT EQUAL OR EXCEED 5 PERCENT OF THE TOTAL ASSETS ON FORM 990, PAGE 11, PART X, LINE 16, COLUMN B. CONSEQUENTLY IN ACCORDANCE WITH IRS INSTRUCTIONS SCHEDULE D, PART VIII HAS BEEN LEFT BLANK. Part IX THE AMOUNT OF OTHER ASSETS ON FORM 990, PAGE 11, PART X, LINE 15 DOES NOT EQUAL OR EXCEED 5 PERCENT OF THE TOTAL ASSETS ON FORM 990, PAGE 11, PART X, LINE 16, COLUMN B. CONSEQUENTLY IN ACCORDANCE WITH IRS INSTRUCTIONS SCHEDULE D, PART IX HAS BEEN LEFT BLANK.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, SCHEDULE D, PART VIII/IX
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0289468
IRS990ScheduleD/TotalExpensesPerForm990Amt0894334
IRS990ScheduleD/TotalLiabilityAmt011236246
IRS990ScheduleD/TotalRevenuePerForm990Amt01147751
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt01147751
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt0894334
IRS990/ScheduleJRequiredInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE CREDIT UNION WAS FORMED BY THE MEMBERS TO PROVIDE QUALITY FINANCIAL SERVICES TO ITS MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE MEMBERS OF THE CREDIT UNION VOTE ON THE BOARD OF DIRECTORS. ELECTIONS ARE DONE ON A ONE MEMBER ONE VOTE BASIS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2MANAGEMENT PRESENTED A COPY OF THE FORM 990 TO THE BOARD FOR REVIEW, DISCUSSION AND APPROVAL AT THE BOARD MEETING IMMEDIATELY PROCEEDING THE FILING OF THE FORM 990.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3THE EMPLOYEES AND DIRECTORS ARE REQUIRED TO BE FAMILIAR WITH THE CONFLICT OF INTEREST POLICY, AND ANNUALLY THEY ARE REQUIRED TO SIGN OFF THAT THEY WILL COMPLY WITH THE POLICY.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4THE ORGANIZATION'S GOVERNING DOCUMENTS, CONFLICT OF INTEREST POLICY AND AUDITED FINANCIAL STATEMENTS ARE AVAILABLE FOR VIEWING BY THE PUBLIC AT THE ORGANIZATION'S OFFICE IN LOVINGTON, NM.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5THE BOARD AS A WHOLE IS RESPONSIBLE FOR OVERSEEING THE FINANCIAL STATEMENT AUDIT AND SELECTING THE INDEPENDENT FINANCIAL STATEMENT AUDITOR.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990, Part VI, Section A, line 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990, Part VI, Section A, line 7a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990, Part VI, Section B, line 11
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990, Part VI, Section B, line 12c
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Form 990, Part VI, Section C, line 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Form 990, Part XII, Line 2c
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/StatesWhereCopyOfReturnIsFldCd0OK
IRS990/SubjectToProxyTaxInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TempOrPermanentEndowmentsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt011576878
IRS990/TotalAssetsEOYAmt012974674
IRS990/TotalAssetsGrp/BOYAmt011576878
IRS990/TotalAssetsGrp/EOYAmt012974674
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalEmployeeCnt08
IRS990/TotalFunctionalExpensesGrp/TotalAmt0894334
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt010150298
IRS990/TotalLiabilitiesEOYAmt011294677
IRS990/TotalLiabilitiesGrp/BOYAmt010150298
IRS990/TotalLiabilitiesGrp/EOYAmt011294677
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt01426580
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt01679997
IRS990/TotalOtherCompensationAmt022916
IRS990/TotalProgramServiceRevenueAmt01128390
IRS990/TotalReportableCompFromOrgAmt073117
IRS990/TotalRevenueGrp/ExclusionAmt0-986
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt01148737
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt01147751
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt00
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt011576878
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt012974674
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TravelGrp/TotalAmt09434
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd00
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine10PO BOX 1082
IRS990/USAddress/City0LOVINGTON
IRS990/USAddress/State0NM
IRS990/USAddress/ZIPCode088260
IRS990/VotingMembersGoverningBodyCnt05
IRS990/VotingMembersIndependentCnt05
IRS990/WebsiteAddressTxt0WWW.ESTACADOCU.COM
IRS990/WhistleblowerPolicyInd00
ReturnHeader/BuildTS02015-11-30 17:44:51Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0MARK RODDENBERRY
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0CEO
ReturnHeader/BusinessOfficerGrp/PhoneNum05753967727
ReturnHeader/BusinessOfficerGrp/SignatureDt02014-05-15
ReturnHeader/Filer/BusinessName/BusinessNameLine10ESTACADO CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0CRED
ReturnHeader/Filer/EIN0856014623
ReturnHeader/Filer/PhoneNum05753967727
ReturnHeader/Filer/USAddress/AddressLine10PO BOX 1082
ReturnHeader/Filer/USAddress/City0LOVINGTON
ReturnHeader/Filer/USAddress/State0NM
ReturnHeader/Filer/USAddress/ZIPCode088260
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0750882037
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine10BOLINGER SEGARS GILBERT AND MOSS LLP
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine108215 NASHVILLE AVENUE
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/City0LUBBOCK
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/State0TX
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCode079423
ReturnHeader/PreparerPersonGrp/PhoneNum08067473806
ReturnHeader/PreparerPersonGrp/PreparationDt02014-05-15
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0Matt R Willis
ReturnHeader/PreparerPersonGrp/SelfEmployedInd0X
ReturnHeader/ReturnTs02014-05-23T08:44:42-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02013-01-01
ReturnHeader/TaxPeriodEndDt02013-12-31
ReturnHeader/TaxYr02013

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2013 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$12,974,674
Liabilities
$11,294,677
Net assets
$1,679,997
Revenue
$1,147,751
Expenses
$894,334
Net income
$253,417
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2013Detailed filing. Detailed filing data is available for this year.$13.0$11.3$1.68$1.15$0.89$0.25
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$11.6$10.2$1.43$0.79
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$10.3$9.08$1.24$0.72
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$9.06$7.89$1.18$0.93