2020-10-16T17:29:31-05:00 2019-12-31 420714325 RSM US LLP 19026 RIDGEWOOD PKWY STE 400 SAN ANTONIO TX 78259 990 2019-01-01 750796472 FORT WORTH COMMUNITY CREDIT UNION FORT 8178355000 PO BOX 210848 BEDFORD TX 76095 RICHARD HOWDESHELL PRESIDENT/CEO 8178355000 2020-10-14 1 REBECCA A RODRIGUEZ P01073764 2108286281 2020-10-14 70.123.210.99 2020-10-14 11:25:32 CD P DA39A3EE5E6B4B0D3255BFEF95601890AFD80709 41CC6A04A0DE7FF40B155173CE262DCBE8CF21CD 2019 2021-04-22 16:20:28Z RICHARD HOWDESHELL PO BOX 210848 BEDFORD TX 76095 49929510 0 X WWW.FTWCCU.ORG X 1940 TX THRIFT SAVINGS AND BORROWING FOR MEMBERS. THE CREDIT UNION IS REGULATED BY THE STATE OF TEXAS. THE CREDIT UNION DEPARTMENT AS WELL AS THE NATIONAL CREDIT UNION ADMINISTRATION. THE CREDIT UNION OFFERS PRODUCTS AND SERVICES IN FOUR PRIMARY AREAS: SHARE ACCOUNTS, CHECKING ACCOUNTS, CONSUMER LOANS AND REAL ESTATE LOANS. 9 9 248 0 90056 -158728 0 0 37795434 40801067 3388897 6063445 512066 423051 41696397 47287563 0 0 0 0 15638844 16924599 0 0 0 22336832 26668340 37975676 43592939 3720721 3694624 936300964 1001618613 852137169 913760194 84163795 87858419 X TO PROMOTE THRIFT SAVINGS AND BORROWING. 0 0 SHARE ACCOUNTS - OUR SHARE ACCOUNTS OFFER ADVANTAGES TO MEMBERS OF ALL AGES. MEMBER SAVINGS ACCOUNTS PAY DIVIDENDS QUARTERLY AND OFFER ACCESS THROUGH THE BRANCH NETWORK, HOME BANKING VIA THE INTERNET OR TELEPHONE AND ATM'S WORLDWIDE. SPECIAL SAVINGS ACCOUNTS DESIGNED FOR CHILDREN AND TEENAGERS ENCOURAGE THE DEVELOPMENT OF CONSISTENT SAVINGS HABITS. CHECKING ACCOUNTS - OUR CHECKING ACCOUNTS PROVIDE VARIOUS FEATURES FOR CONSUMERS, FROM FREE ACCOUNTS TO THOSE WITH ENHANCED BENEFITS. MOST OFFER DIVIDENDS THAT ARE PAID MONTHLY. ADDITIONALLY, THE CREDIT UNION EXTENDS THE REACH OF THOSE ACCOUNTS TO ALL MEMBERS WITH FREE DEBIT CARDS, INTERNET ACCOUNT ACCESS AND FREE USE OF THE INTERNET BILL PAYER PLATFORM. CONSUMER LOANS - OUR CONSUMER LOANS PROVIDE ALL TYPES OF LOANS. THE FOLLOWING TYPES OF LOANS ARE AVAILABLE: VEHICLES, RECREATIONAL VEHICLES, MORTGAGES, SIGNATURE, HOME EQUITY, CREDIT CARDS, SECURED LOANS, ETC. THE CREDIT UNION PROVIDES HOME EQUITY LOANS ALONG WITH MORTGAGE LOANS. 0 0 0 0 0 0 0 0 0 1 0 0 0 1 0 0 0 0 0 0 0 0 0 0 0 0 0 0 1 0 1 0 0 0 0 0 0 0 0 0 0 0 0 1 20924 0 1 248 1 1 1 0 0 0 0 0 0 0 0 0 X 9 9 0 0 0 0 1 1 0 1 1 0 1 1 0 0 0 1 1 0 0 X RICHARD HOWDESHELL 8178355000 1905 FOREST RIDGE DRIVE BEDFORD TX 76021 RICHARD HOWDESHELL PRESIDENT/CEO 40.00 X 551652 0 62917 MICHAEL J FRANKO SR VP-FINANCE 40.00 X 258298 0 41771 KOSTAS LUECKER INVESTMENT CONSULTANT 40.00 X 251647 0 34164 MARC RHODES VP-SUPPORT SERVICES 40.00 X 239753 0 36831 DIANE DORSEY VP-OPERATIONS 40.00 X 229564 0 37669 KYLE KOKE SR VP-LENDING 40.00 X 236029 0 27205 TAMMY TRUDELLE VP-HUMAN RESOURCES 40.00 X 230710 0 26989 ROCHELLE DRAKE VP-MARKETING 40.00 X 228241 0 25680 CARL AUZENNE VP-INFORMATION SERVICES 40.00 X 200898 0 35420 GRETCHEN MCGINNIS DIRECTOR OF INTERNAL AUDIT 40.00 X 157323 0 22162 VALERIE GROSSKURTH AVP-FINANCIAL SERVICES 40.00 X 125651 0 33282 GINDA ABRAHAM AVP-ACCOUNTING 40.00 X 134608 0 20262 NEAL SPENCER AVP-SUPPORT SERVICES 40.00 X 111168 0 38639 HENRY CHRISTIANSEN BOARD MEMBER-SECRETARY-TREASURER 2.00 X X 5207 0 0 MICHAEL CLARDY BOARD MEMBER 2.00 X 2806 0 0 LEIGHTON WATERS BOARD MEMBER 2.00 X 1500 0 0 TOMAS TIJERINA BOARD MEMBER-CHAIR 2.00 X X 1480 0 0 JANICE GRACZYK BOARD MEMBER 2.00 X 1250 0 0 STANLEY SPIVEY BOARD MEMBER 2.00 X 497 0 0 TUNISIA SADRUDDIN BOARD MEMBER-VICE CHAIR 2.00 X X 0 0 0 NEAL OLIVER BOARD MEMBER 2.00 X 0 0 0 HERBERT SIMS BOARD MEMBER 2.00 X 0 0 0 2968282 0 442991 15 0 1 0 NCR CORPORATION PO BOX 740641 LOS ANGELES CA 900740641 WEBSITE 1504371 WORLDPAY 8500 GOVERNORS HILL DR SYMMES TOWNSHIP OH 45249 DR/CR PROCESSOR 702083 FISERV PO BOX 99924 GRAPEVINE TX 760999724 SOFTWARE SERVICES 599941 MARCH BUILDERS 233 OAK ST HIGHLAND VILLAGE TX 75077 CONSTRUCTION 502685 LANVERA LTD 112 WRANGLER DR STE 150 COPPELL TX 75019 MAIL PROCESSOR 375742 13 INTEREST ON LOANS 522100 31015199 31015199 LOAN FEE INCOME 522100 6808580 6808580 MEMBER FEES & CHARGES 522100 2977288 2887232 90056 40801067 6020886 6020886 2670986 13520 2563026 78921 107960 -65401 42559 42559 GAIN ON INVESTMENTS 522100 411907 411907 MISCELLANEOUS 522100 11144 11144 423051 47287563 41134062 90056 6063445 2489430 10341407 672202 2586277 835283 4853649 128371 483514 785652 1937037 1434524 151397 8514186 1065501 269109 PROVISION FOR LOAN LOSS 4808000 LOAN SERVICING 1629027 MISCELLANEOUS EXPENSE 608373 43592939 4548024 5209725 82596822 76402138 629181 727779 13849034 14185124 630765901 626854689 2624661 3295489 39978082 13230710 23432995 26747372 169721875 239579260 8132471 8617037 936300964 1001618613 10540558 11773823 841596611 901986371 852137169 913760194 X 0 0 0 0 84163795 87858419 84163795 87858419 936300964 1001618613 3694624 0 X X 0 1 X 1 0 8613873 8613873 23133141 7194358 15938783 461932 381284 80648 7623749 5589785 2033964 145387 65283 80104 26747372 MEMBER SHARES 901986371 901986371 PART XI AND XII: FINANCIAL STATEMENTS ARE CURRENTLY AUDITED THROUGH JUNE 30, 2020. X X 1 1 X X X X 0 0 0 RICHARD HOWDESHELL PRESIDENT/CEO 475606 0 48752 0 27294 0 34752 0 28165 0 614569 0 0 0 MICHAEL J FRANKO SR VP-FINANCE 230809 0 17404 0 10085 0 16623 0 25148 0 300069 0 0 0 KOSTAS LUECKER INVESTMENT CONSULTANT 241147 0 10500 0 0 0 3253 0 30911 0 285811 0 0 0 MARC RHODES VP-SUPPORT SERVICES 193600 0 28980 0 17173 0 14860 0 21971 0 276584 0 0 0 DIANE DORSEY VP-OPERATIONS 210716 0 16406 0 2442 0 15246 0 22423 0 267233 0 0 0 KYLE KOKE SR VP-LENDING 210640 0 18314 0 7075 0 14873 0 12332 0 263234 0 0 0 TAMMY TRUDELLE VP-HUMAN RESOURCES 200928 0 15897 0 13885 0 14382 0 12607 0 257699 0 0 0 ROCHELLE DRAKE VP-MARKETING 195249 0 30342 0 2650 0 13392 0 12288 0 253921 0 0 0 CARL AUZENNE VP-INFORMATION SERVICES 182933 0 15371 0 2594 0 13175 0 22245 0 236318 0 0 0 GRETCHEN MCGINNIS DIRECTOR OF INTERNAL AUDIT 145642 0 9493 0 2188 0 10395 0 11767 0 179485 0 0 0 VALERIE GROSSKURTH AVP-FINANCIAL SERVICES 115964 0 9128 0 559 0 8790 0 24492 0 158933 0 0 0 GINDA ABRAHAM AVP-ACCOUNTING 123379 0 9786 0 1443 0 8774 0 11488 0 154870 0 0 0 RICHARD HOWDESHELL OFFICER FUND LIFE INSURANCE X 2861959 2861959 0 1 1 MICHAEL J FRANKO OFFICER FUND LIFE INSURANCE X 1118566 1118566 0 1 1 TAMMY TRUDELLE OFFICER FUND LIFE INSURANCE X 711815 711815 0 1 1 DIANE DORSEY OFFICER FUND LIFE INSURANCE X 903891 903891 0 1 1 ROCHELLE DRAKE OFFICER FUND LIFE INSURANCE X 1654678 1654678 0 1 1 KYLE KOKE OFFICER FUND LIFE INSURANCE X 1192008 1192008 0 1 1 CARL AUZENNE OFFICER FUND LIFE INSURANCE X 824369 824369 0 1 1 MARC RHODES OFFICER FUND LIFE INSURANCE X 4917838 4917838 0 1 1 14185124 FORM 990, PART VI, SECTION A, LINE 6 THE CREDIT UNION HAS MEMBERS. FORM 990, PART VI, SECTION A, LINE 7A THE MEMBERS OF THE CREDIT UNION ELECT THE BOARD OF DIRECTORS. FORM 990, PART VI, SECTION B, LINE 11B THE RETURN IS REVIEWED BY THE AVP OF ACCOUNTING AND THE CEO OF THE CREDIT UNION. FORM 990, PART VI, SECTION B, LINE 15A THE COMPENSATION FOR THE CEO IS APPROVED BY THE BOARD AND A COMPENSATION COMMITTEE AND COMPENSATION SURVEY IS USED ALONG WITH A WRITTEN EMPLOYMENT CONTRACT. FORM 990, PART VI, SECTION C, LINE 19 THE CREDIT UNION DISPLAYS CURRENT FINANCIALS STATEMENTS AT EACH BRANCH. GOVERNING DOCUMENTS AND THE CONFLICT OF INTEREST POLICY ARE AVAILABLE UPON WRITTEN REQUEST. FORM 990, PART XII, LINE 2C: THE AUDIT COMMITTEE IS APPOINTED BY THE BOARD OF DIRECTORS AND HAS THE RESPONSIBILITY FOR GENERAL OVERSIGHT OF THE INTERNAL AUDIT DEPARTMENT AND HAS THE AUTHORITY TO ENGAGE AN ACCOUNTING FIRM TO CONDUCT THE ANNUAL AUDIT. THE CREDIT UNION HAS NOT CHANGED ITS OVERSIGHT OR ELECTION PROCESS.