RALLY CREDIT UNION: Form 990, tax year 2016
View the entire original 990 at ProPublica ↗
- Organization
- RALLY CREDIT UNION (EIN 74-1237070)
- Tax period
- 2016-01-01 to 2016-12-31
- Filed
- 2017-11-15
- IRS object ID
- 201703199349312895
- Schema version
- 2016v3.0
- Source
- Download XML · Original 990 at ProPublica
Every field in the e-filed return. Faint text is the IRS element name, for citing.
Return header ReturnHeader
| Field | Value | IRS element (for citing) |
|---|---|---|
| Return | 2017-11-15T15:08:26-06:00 | ReturnTs |
| Tax Period End | 2016-12-31 | TaxPeriodEndDt |
Preparer Firm PreparerFirmGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Preparer Firm EIN | 420714325 | PreparerFirmEIN |
Preparer Firm Name PreparerFirmName
| Field | Value | IRS element (for citing) |
|---|---|---|
| Business Name Line1 | RSM US LLP | BusinessNameLine1Txt |
Preparer US Address PreparerUSAddress
| Field | Value | IRS element (for citing) |
|---|---|---|
| Address Line1 | 801 NICOLLET MALL SUITE 1100 | AddressLine1Txt |
| City | MINNEAPOLIS | CityNm |
| State Abbreviation | MN | StateAbbreviationCd |
| ZIP | 55402 | ZIPCd |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Return Type | 990 | ReturnTypeCd |
| Tax Period Begin | 2016-01-01 | TaxPeriodBeginDt |
Filer Filer
| Field | Value | IRS element (for citing) |
|---|---|---|
| EIN | 741237070 | EIN |
Business Name BusinessName
| Field | Value | IRS element (for citing) |
|---|---|---|
| Business Name Line1 | NAVY ARMY COMMUNITY CREDIT UNION | BusinessNameLine1Txt |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Business Name Control | NAVY | BusinessNameControlTxt |
| Phone | 3619864500 | PhoneNum |
US Address USAddress
| Field | Value | IRS element (for citing) |
|---|---|---|
| Address Line1 | 2730 RODD FIELD ROAD | AddressLine1Txt |
| City | CORPUS CHRISTI | CityNm |
| State Abbreviation | TX | StateAbbreviationCd |
| ZIP | 78414 | ZIPCd |
Business Officer BusinessOfficerGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Person | CARRIE B RICE | PersonNm |
| Person Title | CFO | PersonTitleTxt |
| Phone | 3619864500 | PhoneNum |
| Signature | 2017-11-13 | SignatureDt |
| Discuss With Paid Preparer | Yes (1) | DiscussWithPaidPreparerInd |
Preparer Person PreparerPersonGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Preparer Person | GERALD B KISSELL | PreparerPersonNm |
| PTIN | P00092658 | PTIN |
| Phone | 6123324300 | PhoneNum |
Filing Security Information FilingSecurityInformation
IP Address IPAddress
| Field | Value | IRS element (for citing) |
|---|---|---|
| I Pv4 Address | 108.171.131.188 | IPv4AddressTxt |
| Field | Value | IRS element (for citing) |
|---|---|---|
| IP | 2017-11-13 | IPDt |
| IP Tm | 14:32:07 | IPTm |
| IP Timezone | CS | IPTimezoneCd |
| Filing License Type | P | FilingLicenseTypeCd |
| At Submission Creation Device Id | 01563F10D6676BDC9B96404AA3206AA292B808E6 | AtSubmissionCreationDeviceId |
| At Submission Filing Device Id | 5AB5DFEC54AF030231DDAA57F2AFD57D98013E0B | AtSubmissionFilingDeviceId |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Tax | 2016 | TaxYr |
| Build TS | 2017-02-10 21:41:12Z | BuildTS |
Form 990 IRS990
| Field | Value | IRS element (for citing) |
|---|---|---|
| Principal Officer | GERRY MORROW | PrincipalOfficerNm |
US Address USAddress
| Field | Value | IRS element (for citing) |
|---|---|---|
| Address Line1 | 2730 RODD FIELD ROAD | AddressLine1Txt |
| City | CORPUS CHRISTI | CityNm |
| State Abbreviation | TX | StateAbbreviationCd |
| ZIP | 78414 | ZIPCd |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Gross Receipts | $140,156,704 | GrossReceiptsAmt |
| Group Return For Affiliates | 0 | GroupReturnForAffiliatesInd |
| Organization501c | Yes (X) | Organization501cInd |
| Website Address | WWW.NAVYARMYCCU.COM | WebsiteAddressTxt |
| Type Of Organization Corp | Yes (X) | TypeOfOrganizationCorpInd |
| Formation | 1955 | FormationYr |
| Legal Domicile State | TX | LegalDomicileStateCd |
| Activity Or Mission | TO MEET THE FINANCIAL NEEDS AND GOALS OF OUR MEMBERS. PROVIDE SAVINGS, SHARE DRAFT AND SHARE CERTIFICATE ACCOUNTS AND AUTO, CONSUMER AND COMMERCIAL LOANS. | ActivityOrMissionDesc |
| Voting Members Governing Body | 9 | VotingMembersGoverningBodyCnt |
| Voting Members Independent | 9 | VotingMembersIndependentCnt |
| Total Employee | 543 | TotalEmployeeCnt |
| Total Volunteers | 11 | TotalVolunteersCnt |
| Total Gross UBI | $576,070 | TotalGrossUBIAmt |
| Net Unrelated Bus Txbl Incm | -$226,772 | NetUnrelatedBusTxblIncmAmt |
| PY Contributions Grants | $0 | PYContributionsGrantsAmt |
| CY Contributions Grants | $0 | CYContributionsGrantsAmt |
| PY Program Service Revenue | $130,212,083 | PYProgramServiceRevenueAmt |
| CY Program Service Revenue | $134,212,277 | CYProgramServiceRevenueAmt |
| PY Investment Income | $1,363,618 | PYInvestmentIncomeAmt |
| CY Investment Income | $1,315,749 | CYInvestmentIncomeAmt |
| PY Other Revenue | $221,793 | PYOtherRevenueAmt |
| CY Other Revenue | $1,448,826 | CYOtherRevenueAmt |
| PY Total Revenue | $131,797,494 | PYTotalRevenueAmt |
| CY Total Revenue | $136,976,852 | CYTotalRevenueAmt |
| PY Grants And Similar Paid | $6,000 | PYGrantsAndSimilarPaidAmt |
| CY Grants And Similar Paid | $0 | CYGrantsAndSimilarPaidAmt |
| PY Benefits Paid To Members | $28,474,692 | PYBenefitsPaidToMembersAmt |
| CY Benefits Paid To Members | $29,069,864 | CYBenefitsPaidToMembersAmt |
| PY Salaries Comp Emp Bnft Paid | $25,490,340 | PYSalariesCompEmpBnftPaidAmt |
| CY Salaries Comp Emp Bnft Paid | $28,331,529 | CYSalariesCompEmpBnftPaidAmt |
| PY Total Prof Fndrsng Expns | $0 | PYTotalProfFndrsngExpnsAmt |
| CY Total Prof Fndrsng Expns | $0 | CYTotalProfFndrsngExpnsAmt |
| CY Total Fundraising Expense | $0 | CYTotalFundraisingExpenseAmt |
| PY Other Expenses | $50,555,691 | PYOtherExpensesAmt |
| CY Other Expenses | $52,452,170 | CYOtherExpensesAmt |
| PY Total Expenses | $104,526,723 | PYTotalExpensesAmt |
| CY Total Expenses | $109,853,563 | CYTotalExpensesAmt |
| PY Revenues Less Expenses | $27,270,771 | PYRevenuesLessExpensesAmt |
| CY Revenues Less Expenses | $27,123,289 | CYRevenuesLessExpensesAmt |
| Total Assets BOY | $2,361,365,208 | TotalAssetsBOYAmt |
| Total Assets EOY | $2,498,149,588 | TotalAssetsEOYAmt |
| Total Liabilities BOY | $2,129,567,694 | TotalLiabilitiesBOYAmt |
| Total Liabilities EOY | $2,241,071,401 | TotalLiabilitiesEOYAmt |
| Net Assets Or Fund Balances BOY | $231,797,514 | NetAssetsOrFundBalancesBOYAmt |
| Net Assets Or Fund Balances EOY | $257,078,187 | NetAssetsOrFundBalancesEOYAmt |
| Mission | TO MEET THE FINANCIAL NEEDS AND GOALS OF OUR MEMBERS. PROVIDE SAVINGS, SHARE DRAFT AND SHARE CERTIFICATE ACCOUNTS AND AUTO, CONSUMER AND COMMERCIAL LOANS. | MissionDesc |
| Significant New Program Srvc | 0 | SignificantNewProgramSrvcInd |
| Significant Change | 0 | SignificantChangeInd |
| Desc | NAVY ARMY COMMUNITY CREDIT UNION IS A COOPERATIVE, MEMBER-OWNED, NON-PROFIT PROVIDER OF FINANCIAL SERVICES TO MEMBERS. WE PROVIDE AUTO, HOME AND BUSINESS LOANS TO THE COMMUNITY. AS OF DECEMBER 31, 2016 THE TOTAL NUMBER OF LOANS ISSUED WAS 92,782 AND THE TOTAL OUTSTANDING BALANCE OF LOANS ISSUED WAS $2,142,764,254. | Desc |
Prog Srvc Accom Acty2 ProgSrvcAccomActy2Grp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Desc | NAVY ARMY COMMUNITY CREDIT UNION PROVIDES DEPOSIT ACCOUNTS TO MEMBERS. AS OF DECEMBER 31, 2016 THE TOTAL NUMBER OF MEMBERS WAS 149,521 WITH THE TOTAL NUMBER OF DEPOSIT ACCOUNTS ISSUED OF 266,111 AND TOTAL OUTSTANDING BALANCE OF DEPOSIT ACCOUNTS IN THE AMOUNT OF $2,229,751,297. | Desc |
Prog Srvc Accom Acty3 ProgSrvcAccomActy3Grp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Desc | NAVY ARMY COMMUNITY CREDIT UNION ALSO PROVIDES ATM ACCESS TO MEMBERS. DURING 2016 THE TOTAL NUMBER OF ATM TRANSACTIONS FOR OUR MEMBERS AT OUR MACHINES TOTALED 747,570. | Desc |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Described In Section501c3 | 0 | DescribedInSection501c3Ind |
| Schedule B Required | 0 | ScheduleBRequiredInd |
| Political Campaign Acty | 0 | PoliticalCampaignActyInd |
| Subject To Proxy Tax | 0 | SubjectToProxyTaxInd |
| Donor Advised Fund | 0 | DonorAdvisedFundInd |
| Conservation Easements | 0 | ConservationEasementsInd |
| Collections Of Art | 0 | CollectionsOfArtInd |
| Credit Counseling | 0 | CreditCounselingInd |
| Temp Or Permanent Endowments | 0 | TempOrPermanentEndowmentsInd |
| Report Land Building Equipment | Yes (1) | ReportLandBuildingEquipmentInd |
| Report Investments Other Sec | 0 | ReportInvestmentsOtherSecInd |
| Report Program Related Invst | 0 | ReportProgramRelatedInvstInd |
| Report Other Assets | 0 | ReportOtherAssetsInd |
| Report Other Liabilities | Yes (1) | ReportOtherLiabilitiesInd |
| Include FIN48 Footnote | 0 | IncludeFIN48FootnoteInd |
| Independent Audit Fincl Stmt | 0 | IndependentAuditFinclStmtInd |
| Consolidated Audit Fincl Stmt | 0 | ConsolidatedAuditFinclStmtInd |
| School Operating | 0 | SchoolOperatingInd |
| Foreign Office | 0 | ForeignOfficeInd |
| Foreign Activities | 0 | ForeignActivitiesInd |
| More Than5000 K To Org | 0 | MoreThan5000KToOrgInd |
| More Than5000 K To Individuals | 0 | MoreThan5000KToIndividualsInd |
| Professional Fundraising | 0 | ProfessionalFundraisingInd |
| Fundraising Activities | 0 | FundraisingActivitiesInd |
| Gaming Activities | 0 | GamingActivitiesInd |
| Operate Hospital | 0 | OperateHospitalInd |
| Grants To Organizations | 0 | GrantsToOrganizationsInd |
| Grants To Individuals | 0 | GrantsToIndividualsInd |
| Schedule J Required | Yes (1) | ScheduleJRequiredInd |
| Tax Exempt Bonds | 0 | TaxExemptBondsInd |
| Loan Outstanding | 0 | LoanOutstandingInd |
| Grant To Related Person | 0 | GrantToRelatedPersonInd |
| Business Rln With Org Mem | 0 | BusinessRlnWithOrgMemInd |
| Business Rln With Fam Mem | 0 | BusinessRlnWithFamMemInd |
| Business Rln With Officer Ent | 0 | BusinessRlnWithOfficerEntInd |
| Deductible Non Cash Contri | 0 | DeductibleNonCashContriInd |
| Deductible Art Contribution | 0 | DeductibleArtContributionInd |
| Terminate Operations | 0 | TerminateOperationsInd |
| Partial Liquidation | 0 | PartialLiquidationInd |
| Disregarded Entity | 0 | DisregardedEntityInd |
| Related Entity | 0 | RelatedEntityInd |
| Related Organization Ctrl Ent | 0 | RelatedOrganizationCtrlEntInd |
| Activities Conducted Prtshp | 0 | ActivitiesConductedPrtshpInd |
| Schedule O Required | Yes (1) | ScheduleORequiredInd |
| IRP Document | 49245 | IRPDocumentCnt |
| IRP Document W2 G | 0 | IRPDocumentW2GCnt |
| Backup Wthld Compliance | Yes (1) | BackupWthldComplianceInd |
| Employee | 543 | EmployeeCnt |
| Employment Tax Returns Filed | Yes (1) | EmploymentTaxReturnsFiledInd |
| Unrelated Bus Incm Over Limit | Yes (1) | UnrelatedBusIncmOverLimitInd |
| Form990 T Filed | Yes (1) | Form990TFiledInd |
| Foreign Financial Account | 0 | ForeignFinancialAccountInd |
| Prohibited Tax Shelter Trans | 0 | ProhibitedTaxShelterTransInd |
| Taxable Party Notification | 0 | TaxablePartyNotificationInd |
| Nondeductible Contributions | 0 | NondeductibleContributionsInd |
| Indoor Tanning Services | 0 | IndoorTanningServicesInd |
| Info In Schedule O Part VI | Yes (X) | InfoInScheduleOPartVIInd |
| Governing Body Voting Members | 9 | GoverningBodyVotingMembersCnt |
| Independent Voting Member | 9 | IndependentVotingMemberCnt |
| Family Or Business Rln | 0 | FamilyOrBusinessRlnInd |
| Delegation Of Mgmt Duties | 0 | DelegationOfMgmtDutiesInd |
| Change To Org Documents | 0 | ChangeToOrgDocumentsInd |
| Material Diversion Or Misuse | 0 | MaterialDiversionOrMisuseInd |
| Members Or Stockholders | Yes (1) | MembersOrStockholdersInd |
| Election Of Board Members | Yes (1) | ElectionOfBoardMembersInd |
| Decisions Subject To Approva | Yes (1) | DecisionsSubjectToApprovaInd |
| Minutes Of Governing Body | Yes (1) | MinutesOfGoverningBodyInd |
| Minutes Of Committees | Yes (1) | MinutesOfCommitteesInd |
| Officer Mailing Address | 0 | OfficerMailingAddressInd |
| Local Chapters | Yes (1) | LocalChaptersInd |
| Policies Reference Chapters | Yes (1) | PoliciesReferenceChaptersInd |
| Form990 Provided To Gvrn Body | 0 | Form990ProvidedToGvrnBodyInd |
| Conflict Of Interest Policy | Yes (1) | ConflictOfInterestPolicyInd |
| Annual Disclosure Covered Prsn | Yes (1) | AnnualDisclosureCoveredPrsnInd |
| Regular Monitoring Enfrc | Yes (1) | RegularMonitoringEnfrcInd |
| Whistleblower Policy | 0 | WhistleblowerPolicyInd |
| Document Retention Policy | Yes (1) | DocumentRetentionPolicyInd |
| Compensation Process CEO | Yes (1) | CompensationProcessCEOInd |
| Compensation Process Other | Yes (1) | CompensationProcessOtherInd |
| Investment In Joint Venture | 0 | InvestmentInJointVentureInd |
| Upon Request | Yes (X) | UponRequestInd |
Books In Care Of Detail BooksInCareOfDetail
Business Name BusinessName
| Field | Value | IRS element (for citing) |
|---|---|---|
| Business Name Line1 | CARRIE RICE | BusinessNameLine1Txt |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Phone | 3619864500 | PhoneNum |
US Address USAddress
| Field | Value | IRS element (for citing) |
|---|---|---|
| Address Line1 | 2730 RODD FIELD ROAD | AddressLine1Txt |
| City | CORPUS CHRISTI | CityNm |
| State Abbreviation | TX | StateAbbreviationCd |
| ZIP | 78414 | ZIPCd |
Form990 Part VII Section A Form990PartVIISectionAGrp (27 entries)
| TitleTitleTxt | Average Hours Per WeekAverageHoursPerWeekRt | Individual Trustee Or DirectorIndividualTrusteeOrDirectorInd | OfficerOfficerInd | Reportable Comp From OrgReportableCompFromOrgAmt | Reportable Comp From Rltd OrgReportableCompFromRltdOrgAmt | Other CompensationOtherCompensationAmt | Key EmployeeKeyEmployeeInd | Highest Compensated EmployeeHighestCompensatedEmployeeInd |
|---|---|---|---|---|---|---|---|---|
| PEDRO RIVERA JR | ||||||||
| CHAIR | 3.00 | Yes (X) | Yes (X) | $20,400 | $0 | $0 | ||
| ELOY SALAZAR | ||||||||
| CHAIR | 3.00 | Yes (X) | Yes (X) | $24,000 | $0 | $0 | ||
| SYLVIA MARTINEZ | ||||||||
| VICE CHAIR | 3.00 | Yes (X) | Yes (X) | $16,200 | $0 | $0 | ||
| BOB WESTRUP | ||||||||
| TREASURER | 3.00 | Yes (X) | Yes (X) | $0 | $0 | $0 | ||
| BRYAN STONE | ||||||||
| SECRETARY | 3.00 | Yes (X) | Yes (X) | $20,700 | $0 | $0 | ||
| JOHN JACKSON | ||||||||
| SECRETARY | 3.00 | Yes (X) | Yes (X) | $18,000 | $0 | $0 | ||
| VICK GONZALES | ||||||||
| DIRECTOR | 3.00 | Yes (X) | $10,800 | $0 | $0 | |||
| DON RYMER | ||||||||
| DIRECTOR | 3.00 | Yes (X) | $15,600 | $0 | $0 | |||
| JOHN CHAPMAN | ||||||||
| DIRECTOR | 3.00 | Yes (X) | $0 | $0 | $0 | |||
| THERESA GONZALES | ||||||||
| DIRECTOR | 3.00 | Yes (X) | $0 | $0 | $0 | |||
| THELMA MANDEL | ||||||||
| DIRECTOR | 3.00 | Yes (X) | $0 | $0 | $0 | |||
| LINDA ANDERSON | ||||||||
| DIRECTOR | 3.00 | Yes (X) | $3,700 | $0 | $0 | |||
| GERALD VILLARREAL | ||||||||
| DIRECTOR | 3.00 | Yes (X) | $3,200 | $0 | $0 | |||
| SARAH O'BRIEN | ||||||||
| PRESIDENT/CEO | 40.00 | Yes (X) | $420,775 | $0 | $84,062 | |||
| CARRIE RICE | ||||||||
| CHIEF FINANCIAL OFFICER | 40.00 | Yes (X) | $157,851 | $0 | $19,485 | |||
| GERRY MORROW | ||||||||
| CHIEF LENDING OFFICER | 40.00 | $321,019 | $0 | $23,024 | Yes (X) | |||
| DANA SISK | ||||||||
| CHEIF OPERATIONS OFFICER | 40.00 | $348,974 | $0 | $14,988 | Yes (X) | |||
| SHANNON SRP | ||||||||
| CHIEF TECHNOLOGY OFFICER | 40.00 | $289,239 | $0 | $24,905 | Yes (X) | |||
| ROBERT OBERG | ||||||||
| CHIEF RISK OFFICER | 40.00 | $172,930 | $0 | $8,713 | Yes (X) | |||
| DANIEL DIBBLE | ||||||||
| SVP OF MEMBER BUSINESS SERVICES | 40.00 | $184,140 | $0 | $6,351 | Yes (X) | |||
| ROMAN ESCOBAR | ||||||||
| SVP OF MORTGAGE LENDING | 40.00 | $188,003 | $0 | $11,804 | Yes (X) | |||
| GARY LANKFORD | ||||||||
| SVP INDIRECT LENDING | 40.00 | $165,460 | $0 | $13,123 | Yes (X) | |||
| VIRGINIA WHITHAM | ||||||||
| VP HUMAN RESOURCES | 40.00 | $156,018 | $0 | $13,436 | Yes (X) | |||
| MARK ESTES | ||||||||
| VP CREDIT ADMIN. | 40.00 | $142,673 | $0 | $9,632 | Yes (X) | |||
| CLARE FOWLER | ||||||||
| VP REMOTE OPERATIONS | 40.00 | $143,067 | $0 | $12,347 | Yes (X) | |||
| ASHLEY SMITH | ||||||||
| VP MARKETING | 40.00 | $146,317 | $0 | $13,950 | Yes (X) | |||
| CYNTHIA RAMOS | ||||||||
| SR. VP OF RGV OPERATIONS | 40.00 | $140,264 | $0 | $16,979 | Yes (X) | |||
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Reportable Comp From Org | $3,109,330 | TotalReportableCompFromOrgAmt |
| Tot Reportable Comp Rltd Org | $0 | TotReportableCompRltdOrgAmt |
| Total Other Compensation | $272,799 | TotalOtherCompensationAmt |
| Indiv Rcvd Greater Than100 K | 23 | IndivRcvdGreaterThan100KCnt |
| Former Ofcr Employees Listed | 0 | FormerOfcrEmployeesListedInd |
| Total Comp Greater Than150 K | Yes (1) | TotalCompGreaterThan150KInd |
| Compensation From Other Srcs | 0 | CompensationFromOtherSrcsInd |
Contractor Compensation ContractorCompensationGrp (5 entries)
| Address Line1ContractorAddress/USAddress/AddressLine1Txt | CityContractorAddress/USAddress/CityNm | State AbbreviationContractorAddress/USAddress/StateAbbreviationCd | ZIPContractorAddress/USAddress/ZIPCd | ServicesServicesDesc | CompensationCompensationAmt |
|---|---|---|---|---|---|
| FISERV | |||||
| PO BOX 99924 | GRAPEVINE | TX | 76099 | PROCESSING | $3,378,196 |
| MOREHEAD DOTTS | |||||
| 2767 SANTE FE STREET | CORPUS CHRISTI | TX | 78404 | ADVERTISING | $1,320,829 |
| DGF ELECTONIC | |||||
| 5995 MAYFAIR RD | CANTON | OH | 44720 | CASH REPLENISHMENT | $965,301 |
| BEECROFT | |||||
| PO BOX 2643 | CORPUS CHRISTI | TX | 78403 | CONSTRUCTION | $948,600 |
| SETTLEMENT ONE | |||||
| PO BOX 740310 | LOS ANGELES | CA | 90074 | ACCOUNTING | $740,505 |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Cntrct Rcvd Greater Than100 K | 25 | CntrctRcvdGreaterThan100KCnt |
Program Service Revenue ProgramServiceRevenueGrp (3 entries)
| DescDesc | BusinessBusinessCd | Total Revenue ColumnTotalRevenueColumnAmt | Related Or Exempt Func IncomeRelatedOrExemptFuncIncomeAmt | Unrelated Business RevenueUnrelatedBusinessRevenueAmt |
|---|---|---|---|---|
| INTEREST ON LOANS | 522100 | $98,867,022 | $98,867,022 | |
| FEE INCOME | 522100 | $22,420,277 | $21,844,207 | $576,070 |
| INSURANCE & OTHER OPERATING INCOM | 522100 | $12,924,978 | $12,924,978 |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Program Service Revenue | $134,212,277 | TotalProgramServiceRevenueAmt |
Investment Income InvestmentIncomeGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Revenue Column | $1,568,558 | TotalRevenueColumnAmt |
| Exclusion | $1,568,558 | ExclusionAmt |
Gross Rents GrossRentsGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Real | $51,000 | RealAmt |
Less Rental Expenses LessRentalExpensesGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Real | $7,864 | RealAmt |
Rental Income Or Loss RentalIncomeOrLossGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Real | $43,136 | RealAmt |
Net Rental Income Or Loss NetRentalIncomeOrLossGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Revenue Column | $43,136 | TotalRevenueColumnAmt |
| Exclusion | $43,136 | ExclusionAmt |
Gross Amount Sales Assets GrossAmountSalesAssetsGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Other | $2,919,179 | OtherAmt |
Less Cost Oth Basis Sales Expnss LessCostOthBasisSalesExpnssGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Other | $3,171,988 | OtherAmt |
Gain Or Loss GainOrLossGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Other | -$252,809 | OtherAmt |
Net Gain Or Loss Investments NetGainOrLossInvestmentsGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Revenue Column | -$252,809 | TotalRevenueColumnAmt |
| Exclusion | -$252,809 | ExclusionAmt |
Other Revenue Misc OtherRevenueMiscGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Desc | NON-OPERATING INCOME | Desc |
| Business | 522100 | BusinessCd |
| Total Revenue Column | $1,405,690 | TotalRevenueColumnAmt |
| Related Or Exempt Func Income | $1,405,690 | RelatedOrExemptFuncIncomeAmt |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Other Revenue Total | $1,405,690 | OtherRevenueTotalAmt |
Total Revenue TotalRevenueGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Revenue Column | $136,976,852 | TotalRevenueColumnAmt |
| Related Or Exempt Func Income | $135,041,897 | RelatedOrExemptFuncIncomeAmt |
| Unrelated Business Revenue | $576,070 | UnrelatedBusinessRevenueAmt |
| Exclusion | $1,358,885 | ExclusionAmt |
Benefits To Members BenefitsToMembersGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $29,069,864 | TotalAmt |
Comp Current Ofcr Directors CompCurrentOfcrDirectorsGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $2,576,340 | TotalAmt |
Other Salaries And Wages OtherSalariesAndWagesGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $19,212,128 | TotalAmt |
Pension Plan Contributions PensionPlanContributionsGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $2,000,691 | TotalAmt |
Other Employee Benefits OtherEmployeeBenefitsGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $3,007,717 | TotalAmt |
Payroll Taxes PayrollTaxesGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $1,534,653 | TotalAmt |
Fees For Services Legal FeesForServicesLegalGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $105,936 | TotalAmt |
Fees For Services Accounting FeesForServicesAccountingGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $91,991 | TotalAmt |
Fees For Services Other FeesForServicesOtherGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $2,294,069 | TotalAmt |
Advertising AdvertisingGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $2,933,956 | TotalAmt |
Office Expenses OfficeExpensesGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $13,754,708 | TotalAmt |
Information Technology InformationTechnologyGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $1,282,402 | TotalAmt |
Occupancy OccupancyGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $2,449,606 | TotalAmt |
Travel TravelGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $118,794 | TotalAmt |
Conferences Meetings ConferencesMeetingsGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $363,430 | TotalAmt |
Depreciation Depletion DepreciationDepletionGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $4,870,789 | TotalAmt |
Insurance InsuranceGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $422,942 | TotalAmt |
Other Expenses OtherExpensesGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Desc | LOAN LOSS PROVISION | Desc |
| Total | $23,763,547 | TotalAmt |
Total Functional Expenses TotalFunctionalExpensesGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $109,853,563 | TotalAmt |
Cash Non Interest Bearing CashNonInterestBearingGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $245,478,271 | BOYAmt |
| EOY | $190,958,171 | EOYAmt |
Oth Notes Loans Receivable Net OthNotesLoansReceivableNetGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $1,876,096,634 | BOYAmt |
| EOY | $2,120,764,472 | EOYAmt |
Prepaid Expenses Defrd Charges PrepaidExpensesDefrdChargesGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $8,366,992 | BOYAmt |
| EOY | $5,077,984 | EOYAmt |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Land Bldg Equip Cost Or Other Bss | $77,738,728 | LandBldgEquipCostOrOtherBssAmt |
| Land Bldg Equip Accum Deprec | $37,516,636 | LandBldgEquipAccumDeprecAmt |
Land Bldg Equip Basis Net LandBldgEquipBasisNetGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $41,911,268 | BOYAmt |
| EOY | $40,222,092 | EOYAmt |
Investments Pub Traded Sec InvestmentsPubTradedSecGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $101,217,019 | BOYAmt |
| EOY | $50,972,633 | EOYAmt |
Other Assets Total OtherAssetsTotalGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $88,295,024 | BOYAmt |
| EOY | $90,154,236 | EOYAmt |
Total Assets TotalAssetsGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $2,361,365,208 | BOYAmt |
| EOY | $2,498,149,588 | EOYAmt |
Accounts Payable Accr Expnss AccountsPayableAccrExpnssGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $22,957,674 | BOYAmt |
| EOY | $11,320,104 | EOYAmt |
Other Liabilities OtherLiabilitiesGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $2,106,610,020 | BOYAmt |
| EOY | $2,229,751,297 | EOYAmt |
Total Liabilities TotalLiabilitiesGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $2,129,567,694 | BOYAmt |
| EOY | $2,241,071,401 | EOYAmt |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Org Does Not Follow SFAS117 | Yes (X) | OrgDoesNotFollowSFAS117Ind |
Cap Stk Tr Prin Current Funds CapStkTrPrinCurrentFundsGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $0 | BOYAmt |
| EOY | $0 | EOYAmt |
Pd In Cap Srpls Land Bldg Eqp Fund PdInCapSrplsLandBldgEqpFundGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $0 | BOYAmt |
| EOY | $0 | EOYAmt |
Rtn Earn Endowment Incm Oth Fnds RtnEarnEndowmentIncmOthFndsGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $231,797,514 | BOYAmt |
| EOY | $257,078,187 | EOYAmt |
Total Net Assets Fund Balance TotalNetAssetsFundBalanceGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $231,797,514 | BOYAmt |
| EOY | $257,078,187 | EOYAmt |
Tot Liab Net Assets Fund Balance TotLiabNetAssetsFundBalanceGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $2,361,365,208 | BOYAmt |
| EOY | $2,498,149,588 | EOYAmt |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Info In Schedule O Part XI | Yes (X) | InfoInScheduleOPartXIInd |
| Reconcilation Revenue Expnss | $27,123,289 | ReconcilationRevenueExpnssAmt |
| Other Changes In Net Assets | -$1,842,616 | OtherChangesInNetAssetsAmt |
| Method Of Accounting Accrual | Yes (X) | MethodOfAccountingAccrualInd |
| Accountant Compile Or Review | 0 | AccountantCompileOrReviewInd |
| FS Audited | Yes (1) | FSAuditedInd |
FS Audited Basis FSAuditedBasisGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Separate Basis Fincl Stmt | Yes (X) | SeparateBasisFinclStmtInd |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Audit Committee | Yes (1) | AuditCommitteeInd |
| Federal Grant Audit Required | 0 | FederalGrantAuditRequiredInd |
Schedule D IRS990ScheduleD
Land LandGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Other Cost Or Other Basis | $6,985,187 | OtherCostOrOtherBasisAmt |
| Book Value | $6,985,187 | BookValueAmt |
Buildings BuildingsGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Other Cost Or Other Basis | $39,331,736 | OtherCostOrOtherBasisAmt |
| Depreciation | $10,619,759 | DepreciationAmt |
| Book Value | $28,711,977 | BookValueAmt |
Leasehold Improvements LeaseholdImprovementsGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Other Cost Or Other Basis | $1,002,723 | OtherCostOrOtherBasisAmt |
| Depreciation | $1,002,719 | DepreciationAmt |
| Book Value | $4 | BookValueAmt |
Equipment EquipmentGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Other Cost Or Other Basis | $17,564,633 | OtherCostOrOtherBasisAmt |
| Depreciation | $14,617,496 | DepreciationAmt |
| Book Value | $2,947,137 | BookValueAmt |
Other Land Buildings OtherLandBuildingsGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Other Cost Or Other Basis | $12,854,449 | OtherCostOrOtherBasisAmt |
| Depreciation | $11,276,662 | DepreciationAmt |
| Book Value | $1,577,787 | BookValueAmt |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Book Value Land Buildings | $40,222,092 | TotalBookValueLandBuildingsAmt |
Other Liabilities Org OtherLiabilitiesOrgGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Desc | SHARE ACCOUNTS (CHECKING/SAVINGS/CDS) | Desc |
| Amt | $2,229,751,297 | Amt |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Liability | $2,229,751,297 | TotalLiabilityAmt |
Schedule J IRS990ScheduleJ
| Field | Value | IRS element (for citing) |
|---|---|---|
| Compensation Committee | Yes (X) | CompensationCommitteeInd |
| Compensation Survey | Yes (X) | CompensationSurveyInd |
| Board Or Committee Approval | Yes (X) | BoardOrCommitteeApprovalInd |
| Severance Payment | 0 | SeverancePaymentInd |
| Supplemental Nonqual Rtr Plan | Yes (1) | SupplementalNonqualRtrPlanInd |
| Equity Based Comp Arrngm | 0 | EquityBasedCompArrngmInd |
Rltd Org Officer Trst Key Empl RltdOrgOfficerTrstKeyEmplGrp (14 entries)
| TitleTitleTxt | Base Compensation Filing OrgBaseCompensationFilingOrgAmt | Compensation Based On Rltd OrgsCompensationBasedOnRltdOrgsAmt | Bonus Filing OrganizationBonusFilingOrganizationAmount | Bonus Related OrganizationsBonusRelatedOrganizationsAmt | Other Compensation Filing OrgOtherCompensationFilingOrgAmt | Other Compensation Rltd OrgsOtherCompensationRltdOrgsAmt | Deferred Compensation Flng OrgDeferredCompensationFlngOrgAmt | Deferred Comp Rltd OrgsDeferredCompRltdOrgsAmt | Nontaxable Benefits Filing OrgNontaxableBenefitsFilingOrgAmt | Nontaxable Benefits Rltd OrgsNontaxableBenefitsRltdOrgsAmt | Total Compensation Filing OrgTotalCompensationFilingOrgAmt | Total Compensation Rltd OrgsTotalCompensationRltdOrgsAmt | Comp Report Prior990 Filing OrgCompReportPrior990FilingOrgAmt | Comp Report Prior990 Rltd OrgsCompReportPrior990RltdOrgsAmt |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| SARAH O'BRIEN | ||||||||||||||
| PRESIDENT/CEO | $369,941 | $0 | $50,000 | $0 | $834 | $0 | $72,980 | $0 | $18,957 | $0 | $512,712 | $0 | $0 | $0 |
| CARRIE RICE | ||||||||||||||
| CHIEF FINANCIAL OFFICER | $142,477 | $0 | $15,000 | $0 | $374 | $0 | $6,338 | $0 | $22,287 | $0 | $186,476 | $0 | $0 | $0 |
| GERRY MORROW | ||||||||||||||
| CHIEF LENDING OFFICER | $252,125 | $0 | $20,000 | $0 | $48,894 | $0 | $10,200 | $0 | $20,098 | $0 | $351,317 | $0 | $0 | $0 |
| DANA SISK | ||||||||||||||
| CHEIF OPERATIONS OFFICER | $316,894 | $0 | $31,500 | $0 | $580 | $0 | $7,309 | $0 | $10,351 | $0 | $366,634 | $0 | $0 | $0 |
| SHANNON SRP | ||||||||||||||
| CHIEF TECHNOLOGY OFFICER | $261,431 | $0 | $27,500 | $0 | $308 | $0 | $8,150 | $0 | $28,983 | $0 | $326,372 | $0 | $0 | $0 |
| ROBERT OBERG | ||||||||||||||
| CHIEF RISK OFFICER | $172,337 | $0 | $0 | $0 | $593 | $0 | $0 | $0 | $12,873 | $0 | $185,803 | $0 | $0 | $0 |
| DANIEL DIBBLE | ||||||||||||||
| SVP OF MEMBER BUSINESS SERVICES | $168,906 | $0 | $0 | $0 | $15,234 | $0 | $0 | $0 | $7,565 | $0 | $191,705 | $0 | $0 | $0 |
| ROMAN ESCOBAR | ||||||||||||||
| SVP OF MORTGAGE LENDING | $162,875 | $0 | $25,000 | $0 | $128 | $0 | $0 | $0 | $18,264 | $0 | $206,267 | $0 | $0 | $0 |
| GARY LANKFORD | ||||||||||||||
| SVP INDIRECT LENDING | $148,738 | $0 | $15,000 | $0 | $1,722 | $0 | $6,300 | $0 | $7,473 | $0 | $179,233 | $0 | $0 | $0 |
| VIRGINIA WHITHAM | ||||||||||||||
| VP HUMAN RESOURCES | $142,849 | $0 | $13,000 | $0 | $169 | $0 | $5,756 | $0 | $9,875 | $0 | $171,649 | $0 | $0 | $0 |
| MARK ESTES | ||||||||||||||
| VP CREDIT ADMIN. | $135,991 | $0 | $6,000 | $0 | $682 | $0 | $2,523 | $0 | $8,062 | $0 | $153,258 | $0 | $0 | $0 |
| CLARE FOWLER | ||||||||||||||
| VP REMOTE OPERATIONS | $132,837 | $0 | $10,000 | $0 | $230 | $0 | $5,524 | $0 | $8,938 | $0 | $157,529 | $0 | $0 | $0 |
| ASHLEY SMITH | ||||||||||||||
| VP MARKETING | $131,068 | $0 | $15,000 | $0 | $249 | $0 | $5,708 | $0 | $10,811 | $0 | $162,836 | $0 | $0 | $0 |
| CYNTHIA RAMOS | ||||||||||||||
| SR. VP OF RGV OPERATIONS | $127,738 | $0 | $12,000 | $0 | $526 | $0 | $5,581 | $0 | $18,126 | $0 | $163,971 | $0 | $0 | $0 |
Supplemental Information Detail SupplementalInformationDetail
| Field | Value | IRS element (for citing) |
|---|---|---|
| Form And Line Reference | PART I, LINE 4B | FormAndLineReferenceDesc |
| Explanation | THE FOLLOWING INDIVIDUALS PARTICIPATED IN A NON-QUALIFIED RETIREMENT PLAN: SARAH O'BRIEN - NO DISTRIBUTIONS IN 2016 GERRY MORROW - NO DISTRIBUTIONS IN 2016 DANA SISK - $93,000 DISTRIBUTION IN 2016 SHANNON SRP - $81,000 DISTRIBUTION IN 2016 | ExplanationTxt |
Schedule O IRS990ScheduleO
Supplemental Information Detail SupplementalInformationDetail (8 entries)
| Form And Line ReferenceFormAndLineReferenceDesc | ExplanationExplanationTxt |
|---|---|
| FORM 990, PART VI, SECTION A, LINE 6 | THE CREDIT UNION'S MEMBERS HAVE RIGHTS TO ELECT THE MEMBERS OF THE GOVERNING BODY. THE CREDIT UNION'S MEMBERS ALSO RECEIVE A SHARE OF THE ORGANIZATION'S PROFITS IN THE FORM OF CASH DIVIDENDS. |
| FORM 990, PART VI, SECTION A, LINE 7A | MEMBERS OF THE CREDIT UNION HAVE THE RIGHT TO ELECT ONE OR MORE MEMBERS OF THE ORGANIZATION'S GOVERNING BODY, WHETHER PERIODICALLY, OR AS VACANCIES ARISE, OR OTHERWISE. |
| FORM 990, PART VI, SECTION A, LINE 7B | MEMBERS OF THE CREDIT UNION HAVE THE RIGHT TO APPROVE THE GOVERNING BODY'S ELECTION AND REMOVAL OF MEMBERS OF THE GOVERNING BODY, AS WELL AS OTHER MATTERS THAT ARE SUBJECT TO THE APPROVAL OF MEMBERS OF THE CREDIT UNION AS THEY OCCUR. |
| FORM 990, PART VI, SECTION B, LINE 11B | THE 990 FORM IS REVIEWED IN DETAIL BY THE CONTROLLER, CHIEF FINANCIAL OFFICER AND THE CHIEF OPERATIONS OFFICER BEFORE IT IS SIGNED AND SUBMITTED TO THE IRS. |
| FORM 990, PART VI, SECTION B, LINE 12C | CREDIT UNION EMPLOYEES, DIRECTORS, OFFICERS AND THEIR SPOUSES ARE REQUIRED TO FILE AN ANNUAL DISCLOSURE STATEMENT LISTING ANY FINANCIAL INSTITUTIONS, TRADE ASSOCIATIONS OR RELATED BUSINESS THEY ARE ASSOCIATED WITH AS A DIRECTOR, OFFICER OR EMPLOYEE WITH A MATERIAL OWNERSHIP INTEREST OF $5,000 OR MORE. THE DISCLOSURE STATEMENTS ARE REVIEWED BY THE PRESIDENT AND BOARD AND ANY CONFLICTS OF INTEREST ARE RESOLVED AT THAT TIME. |
| FORM 990, PART VI, SECTION B, LINE 15 | ALL STAFF COMPENSATION IS MEASURED AGAINST INDUSTRY STANDARDS BY THE HUMAN RESOURCES DEPARTMENT AND APPROVED BY THE PRESIDENT. THE BOARD OF DIRECTORS REVIEW COMPENSATION FOR THE PRESIDENT'S POSITION. |
| FORM 990, PART VI, SECTION C, LINE 19 | NAVY ARMY COMMUNITY CREDIT UNION'S WEBSITE HAS A LINK TO THE MARKETING DEPARTMENT WHERE MEMBERS CAN REQUEST DOCUMENTS. ALL DOCUMENTS ARE AVAILABLE UPON REQUEST FOR THE SAME PERIOD OF DISCLOSURE AS SET FORTH IN SECTION 6104(D). ALSO, A COPY OF THE FINANCIAL STATEMENTS ARE POSTED AT EACH BRANCH SITE AND ARE AVAILABLE TO THE PUBLIC ON NCUA'S WEBSITE. |
| FORM 990, PART XI, LINE 9: | OTHER COMPREHENSIVE INCOME-PENSION PLAN -1,842,616. |