AMERICAS CREDIT UNION: Form 990, tax year 2016

View the entire original 990 at ProPublica ↗

Organization: AMERICAS CREDIT UNION (EIN 75-6016747)
Tax period: 2016-01-01 to 2016-12-31
Filed: 2017-11-15
IRS object ID: 201723199349307347
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
Form 990
Schedule D
Schedule L
Schedule O

Return header ReturnHeader

Field	Value	IRS element (for citing)
Return	2017-11-15T09:42:12-08:00	ReturnTs
Tax Period End	2016-12-31	TaxPeriodEndDt

Preparer Firm PreparerFirmGrp

Preparer Firm Name PreparerFirmName

Field	Value	IRS element (for citing)
Business Name Line1	Murrey Paschall & Caperton PC	BusinessNameLine1Txt

Preparer US Address PreparerUSAddress

Field	Value	IRS element (for citing)
Address Line1	301 E BROAD ST	AddressLine1Txt
City	FORNEY	CityNm
State Abbreviation	TX	StateAbbreviationCd
ZIP	751264110	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	756016747	EIN

Business Name BusinessName

Field	Value	IRS element (for citing)
Business Name Line1	AMERICAS CREDIT UNION	BusinessNameLine1Txt

Field	Value	IRS element (for citing)
Business Name Control	AMER	BusinessNameControlTxt
Phone	9724945328	PhoneNum

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	PO BOX 469046	AddressLine1Txt
City	GARLAND	CityNm
State Abbreviation	TX	StateAbbreviationCd
ZIP	75046	ZIPCd

Business Officer BusinessOfficerGrp

Field	Value	IRS element (for citing)
Person	Rebecca McCoy	PersonNm
Person Title	President & CEO	PersonTitleTxt
Signature	2017-11-15	SignatureDt
Discuss With Paid Preparer	Yes (true)	DiscussWithPaidPreparerInd

Preparer Person PreparerPersonGrp

Field	Value	IRS element (for citing)
Preparer Person	Eric E Paschall	PreparerPersonNm
PTIN	P01554667	PTIN
Phone	9725641660	PhoneNum

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)
Gross Receipts	$8,374,697	GrossReceiptsAmt
Group Return For Affiliates	false	GroupReturnForAffiliatesInd
All Affiliates Included	false	AllAffiliatesIncludedInd
Organization501c	Yes (X)	Organization501cInd
Website Address	AMERICASCU.ORG	WebsiteAddressTxt
Type Of Organization Corp	Yes (X)	TypeOfOrganizationCorpInd
Formation	1934	FormationYr
Legal Domicile State	TX	LegalDomicileStateCd
Activity Or Mission	AMERICA'S CREDIT UNION OFFERS NUMEROUS SERVICES TO ITS MEMBER-OWNERS, EACH DESIGNED TO ASSIST THEM IN IMPROVING THEIR ECONOMIC WELL-BEING.	ActivityOrMissionDesc
Voting Members Governing Body	10	VotingMembersGoverningBodyCnt
Voting Members Independent	10	VotingMembersIndependentCnt
Total Employee	64	TotalEmployeeCnt
Total Gross UBI	$67,215	TotalGrossUBIAmt
Net Unrelated Bus Txbl Incm	-$20,347	NetUnrelatedBusTxblIncmAmt
CY Contributions Grants	$0	CYContributionsGrantsAmt
PY Program Service Revenue	$7,504,306	PYProgramServiceRevenueAmt
CY Program Service Revenue	$8,307,482	CYProgramServiceRevenueAmt
PY Investment Income	-$14,067	PYInvestmentIncomeAmt
CY Investment Income	-$1,853	CYInvestmentIncomeAmt
PY Other Revenue	$64,200	PYOtherRevenueAmt
CY Other Revenue	$67,215	CYOtherRevenueAmt
PY Total Revenue	$7,554,439	PYTotalRevenueAmt
CY Total Revenue	$8,372,844	CYTotalRevenueAmt
CY Grants And Similar Paid	$0	CYGrantsAndSimilarPaidAmt
CY Benefits Paid To Members	$0	CYBenefitsPaidToMembersAmt
PY Salaries Comp Emp Bnft Paid	$3,779,193	PYSalariesCompEmpBnftPaidAmt
CY Salaries Comp Emp Bnft Paid	$4,127,864	CYSalariesCompEmpBnftPaidAmt
CY Total Prof Fndrsng Expns	$0	CYTotalProfFndrsngExpnsAmt
CY Total Fundraising Expense	$0	CYTotalFundraisingExpenseAmt
PY Other Expenses	$3,263,625	PYOtherExpensesAmt
CY Other Expenses	$3,760,477	CYOtherExpensesAmt
PY Total Expenses	$7,042,818	PYTotalExpensesAmt
CY Total Expenses	$7,888,341	CYTotalExpensesAmt
PY Revenues Less Expenses	$511,621	PYRevenuesLessExpensesAmt
CY Revenues Less Expenses	$484,503	CYRevenuesLessExpensesAmt
Total Assets BOY	$197,425,830	TotalAssetsBOYAmt
Total Assets EOY	$238,993,884	TotalAssetsEOYAmt
Total Liabilities BOY	$172,193,547	TotalLiabilitiesBOYAmt
Total Liabilities EOY	$210,317,960	TotalLiabilitiesEOYAmt
Net Assets Or Fund Balances BOY	$25,232,283	NetAssetsOrFundBalancesBOYAmt
Net Assets Or Fund Balances EOY	$28,675,924	NetAssetsOrFundBalancesEOYAmt
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.	MissionDesc
Significant New Program Srvc	false	SignificantNewProgramSrvcInd
Significant Change	false	SignificantChangeInd
Desc	PROVIDED COMPETITIVE, LOW COST FINANCIAL SERVICES TO MEET THE NEEDS OF CREDIT UNION MEMBERSHIP IN ORDER TO HELP THEM ACHIEVE IMPROVED ECONOMIC WELL-BEING.	Desc
Described In Section501c3	false	DescribedInSection501c3Ind
Schedule B Required	false	ScheduleBRequiredInd
Political Campaign Acty	false	PoliticalCampaignActyInd
Lobbying Activities	false	LobbyingActivitiesInd
Subject To Proxy Tax	false	SubjectToProxyTaxInd
Donor Advised Fund	false	DonorAdvisedFundInd
Conservation Easements	false	ConservationEasementsInd
Collections Of Art	false	CollectionsOfArtInd
Credit Counseling	false	CreditCounselingInd
Temp Or Permanent Endowments	false	TempOrPermanentEndowmentsInd
Report Land Building Equipment	Yes (true)	ReportLandBuildingEquipmentInd
Report Investments Other Sec	false	ReportInvestmentsOtherSecInd
Report Program Related Invst	false	ReportProgramRelatedInvstInd
Report Other Assets	false	ReportOtherAssetsInd
Report Other Liabilities	Yes (true)	ReportOtherLiabilitiesInd
Include FIN48 Footnote	false	IncludeFIN48FootnoteInd
Independent Audit Fincl Stmt	false	IndependentAuditFinclStmtInd
Consolidated Audit Fincl Stmt	false	ConsolidatedAuditFinclStmtInd
School Operating	false	SchoolOperatingInd
Foreign Office	false	ForeignOfficeInd
Foreign Activities	false	ForeignActivitiesInd
More Than5000 K To Org	false	MoreThan5000KToOrgInd
More Than5000 K To Individuals	false	MoreThan5000KToIndividualsInd
Professional Fundraising	false	ProfessionalFundraisingInd
Fundraising Activities	false	FundraisingActivitiesInd
Gaming Activities	false	GamingActivitiesInd
Operate Hospital	false	OperateHospitalInd
Grants To Organizations	false	GrantsToOrganizationsInd
Grants To Individuals	false	GrantsToIndividualsInd
Schedule J Required	false	ScheduleJRequiredInd
Tax Exempt Bonds	false	TaxExemptBondsInd
Invest Tax Exempt Bonds	false	InvestTaxExemptBondsInd
Escrow Account	false	EscrowAccountInd
On Behalf Of Issuer	false	OnBehalfOfIssuerInd
Engaged In Excess Benefit Trans	false	EngagedInExcessBenefitTransInd
PY Excess Benefit Trans	false	PYExcessBenefitTransInd
Loan Outstanding	Yes (true)	LoanOutstandingInd
Grant To Related Person	false	GrantToRelatedPersonInd
Business Rln With Org Mem	false	BusinessRlnWithOrgMemInd
Business Rln With Fam Mem	false	BusinessRlnWithFamMemInd
Business Rln With Officer Ent	false	BusinessRlnWithOfficerEntInd
Deductible Non Cash Contri	false	DeductibleNonCashContriInd
Deductible Art Contribution	false	DeductibleArtContributionInd
Terminate Operations	false	TerminateOperationsInd
Partial Liquidation	false	PartialLiquidationInd
Disregarded Entity	false	DisregardedEntityInd
Related Entity	false	RelatedEntityInd
Related Organization Ctrl Ent	false	RelatedOrganizationCtrlEntInd
Transaction With Control Ent	false	TransactionWithControlEntInd
Trnsfr Exmpt Non Chrtbl Rltd Org	false	TrnsfrExmptNonChrtblRltdOrgInd
Activities Conducted Prtshp	false	ActivitiesConductedPrtshpInd
Schedule O Required	Yes (true)	ScheduleORequiredInd
IRP Document	3905	IRPDocumentCnt
IRP Document W2 G	0	IRPDocumentW2GCnt
Backup Wthld Compliance	Yes (true)	BackupWthldComplianceInd
Employee	64	EmployeeCnt
Employment Tax Returns Filed	Yes (true)	EmploymentTaxReturnsFiledInd
Unrelated Bus Incm Over Limit	Yes (true)	UnrelatedBusIncmOverLimitInd
Form990 T Filed	Yes (true)	Form990TFiledInd
Foreign Financial Account	false	ForeignFinancialAccountInd
Prohibited Tax Shelter Trans	false	ProhibitedTaxShelterTransInd
Taxable Party Notification	false	TaxablePartyNotificationInd
Nondeductible Contributions	false	NondeductibleContributionsInd
DAF Excess Business Holdings	false	DAFExcessBusinessHoldingsInd
Taxable Distributions	false	TaxableDistributionsInd
Distribution To Donor	false	DistributionToDonorInd
Org Filed In Lieu Of Form1041	false	OrgFiledInLieuOfForm1041Ind
Licensed More Than One State	false	LicensedMoreThanOneStateInd
Indoor Tanning Services	false	IndoorTanningServicesInd
Info In Schedule O Part VI	Yes (X)	InfoInScheduleOPartVIInd
Governing Body Voting Members	10	GoverningBodyVotingMembersCnt
Independent Voting Member	10	IndependentVotingMemberCnt
Family Or Business Rln	false	FamilyOrBusinessRlnInd
Delegation Of Mgmt Duties	false	DelegationOfMgmtDutiesInd
Change To Org Documents	false	ChangeToOrgDocumentsInd
Material Diversion Or Misuse	false	MaterialDiversionOrMisuseInd
Members Or Stockholders	Yes (true)	MembersOrStockholdersInd
Election Of Board Members	Yes (true)	ElectionOfBoardMembersInd
Decisions Subject To Approva	false	DecisionsSubjectToApprovaInd
Minutes Of Governing Body	Yes (true)	MinutesOfGoverningBodyInd
Minutes Of Committees	Yes (true)	MinutesOfCommitteesInd
Officer Mailing Address	false	OfficerMailingAddressInd
Local Chapters	Yes (true)	LocalChaptersInd
Policies Reference Chapters	Yes (true)	PoliciesReferenceChaptersInd
Form990 Provided To Gvrn Body	Yes (true)	Form990ProvidedToGvrnBodyInd
Conflict Of Interest Policy	Yes (true)	ConflictOfInterestPolicyInd
Annual Disclosure Covered Prsn	Yes (true)	AnnualDisclosureCoveredPrsnInd
Regular Monitoring Enfrc	Yes (true)	RegularMonitoringEnfrcInd
Whistleblower Policy	Yes (true)	WhistleblowerPolicyInd
Document Retention Policy	Yes (true)	DocumentRetentionPolicyInd
Compensation Process CEO	Yes (true)	CompensationProcessCEOInd
Compensation Process Other	Yes (true)	CompensationProcessOtherInd
Investment In Joint Venture	false	InvestmentInJointVentureInd
Other Website	Yes (X)	OtherWebsiteInd
Upon Request	Yes (X)	UponRequestInd

Books In Care Of Detail BooksInCareOfDetail

Field	Value	IRS element (for citing)
Person	REBECCA MCCOY	PersonNm
Phone	9724945328	PhoneNum

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	2154 FOREST LANE	AddressLine1Txt
City	GARLAND	CityNm
State Abbreviation	TX	StateAbbreviationCd
ZIP	75046	ZIPCd

Form990 Part VII Section A Form990PartVIISectionAGrp (12 entries)

TitleTitleTxt	Average Hours Per WeekAverageHoursPerWeekRt	Average Hours Per Week Rltd OrgAverageHoursPerWeekRltdOrgRt	Individual Trustee Or DirectorIndividualTrusteeOrDirectorInd	Reportable Comp From OrgReportableCompFromOrgAmt	Reportable Comp From Rltd OrgReportableCompFromRltdOrgAmt	Other CompensationOtherCompensationAmt	OfficerOfficerInd
Pat Swandick
Director	1.00	0.00	Yes (X)	$0	$0	$0
JOE WASAFF
Director	1.00	0.00	Yes (X)	$0	$0	$0
LES VANDEVENTER
Director	1.00	0.00	Yes (X)	$0	$0	$0
STANLEY MITCHELL
VICE CHAIRMAN	1.00	0.00	Yes (X)	$0	$0	$0	Yes (X)
Joe Satagaj
Director	1.00	0.00	Yes (X)	$0	$0	$0
JIM ADMIRE
Director	1.00	0.00	Yes (X)	$0	$0	$0
BEVERLY AXE
Director	1.00	0.00	Yes (X)	$0	$0	$0
LARRY WADSWORTH
Director	1.00	0.00	Yes (X)	$0	$0	$0
EDDIE E MOORE
Chairman	1.00	0.00	Yes (X)	$0	$0	$0	Yes (X)
CHRISTOPHER ENGLISH
Secretary	1.00	0.00	Yes (X)	$0	$0	$0	Yes (X)
Janet Sanders
COO	40.00	0.00		$95,957	$0	$0	Yes (X)
Rebecca McCoy
President & CEO	40.00	0.00		$83,603	$0	$0	Yes (X)

Field	Value	IRS element (for citing)
Total Reportable Comp From Org	$179,560	TotalReportableCompFromOrgAmt
Indiv Rcvd Greater Than100 K	0	IndivRcvdGreaterThan100KCnt
Former Ofcr Employees Listed	false	FormerOfcrEmployeesListedInd
Total Comp Greater Than150 K	false	TotalCompGreaterThan150KInd
Compensation From Other Srcs	false	CompensationFromOtherSrcsInd

Contractor Compensation ContractorCompensationGrp (2 entries)

Address Line1ContractorAddress/USAddress/AddressLine1Txt	CityContractorAddress/USAddress/CityNm	State AbbreviationContractorAddress/USAddress/StateAbbreviationCd	ZIPContractorAddress/USAddress/ZIPCd	ServicesServicesDesc	CompensationCompensationAmt
FISERV INC
PO BOX 979	BROOKFIELD	WI	530080979	INFO TECHNOLOGY	$255,956
LEVEL 3
PO BOX 910182	DENVER	CO	80291	INTERNET SERVICES	$163,491

Field	Value	IRS element (for citing)
Cntrct Rcvd Greater Than100 K	2	CntrctRcvdGreaterThan100KCnt
Total Contributions	$0	TotalContributionsAmt

Program Service Revenue ProgramServiceRevenueGrp (3 entries)

DescDesc	Total Revenue ColumnTotalRevenueColumnAmt	Related Or Exempt Func IncomeRelatedOrExemptFuncIncomeAmt
FEE INCOME	$1,520,816	$1,520,816
INVESTMENT INCOME	$1,031,839	$1,031,839
LOAN INTEREST INCOME	$5,754,827	$5,754,827

Field	Value	IRS element (for citing)
Total Program Service Revenue	$8,307,482	TotalProgramServiceRevenueAmt

Investment Income InvestmentIncomeGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$0	TotalRevenueColumnAmt

Incm From Invest Bond Proceeds IncmFromInvestBondProceedsGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$0	TotalRevenueColumnAmt

Royalties Revenue RoyaltiesRevenueGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$0	TotalRevenueColumnAmt

Net Rental Income Or Loss NetRentalIncomeOrLossGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$0	TotalRevenueColumnAmt

Less Cost Oth Basis Sales Expnss LessCostOthBasisSalesExpnssGrp

Field	Value	IRS element (for citing)
Other	$1,853	OtherAmt

Gain Or Loss GainOrLossGrp

Field	Value	IRS element (for citing)
Other	-$1,853	OtherAmt

Net Gain Or Loss Investments NetGainOrLossInvestmentsGrp

Field	Value	IRS element (for citing)
Total Revenue Column	-$1,853	TotalRevenueColumnAmt
Exclusion	-$1,853	ExclusionAmt

Net Incm From Fundraising Evt NetIncmFromFundraisingEvtGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$0	TotalRevenueColumnAmt

Net Income From Gaming NetIncomeFromGamingGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$0	TotalRevenueColumnAmt

Net Income Or Loss NetIncomeOrLossGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$0	TotalRevenueColumnAmt

Other Revenue Misc OtherRevenueMiscGrp (3 entries)

DescDesc	Total Revenue ColumnTotalRevenueColumnAmt	Unrelated Business RevenueUnrelatedBusinessRevenueAmt
AD&D INSURANCE	$18,433	$18,433
ATM INCOME	$27,580	$27,580
CUNA INSURANCE PRODUCTS	$13,722	$13,722

Miscellaneous Revenue MiscellaneousRevenueGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$7,480	TotalRevenueColumnAmt
Unrelated Business Revenue	$7,480	UnrelatedBusinessRevenueAmt

Field	Value	IRS element (for citing)
Other Revenue Total	$67,215	OtherRevenueTotalAmt

Total Revenue TotalRevenueGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$8,372,844	TotalRevenueColumnAmt
Related Or Exempt Func Income	$8,307,482	RelatedOrExemptFuncIncomeAmt
Unrelated Business Revenue	$67,215	UnrelatedBusinessRevenueAmt
Exclusion	-$1,853	ExclusionAmt

Grants To Domestic Orgs GrantsToDomesticOrgsGrp

Field	Value	IRS element (for citing)
Total	$0	TotalAmt

Grants To Domestic Individuals GrantsToDomesticIndividualsGrp

Field	Value	IRS element (for citing)
Total	$0	TotalAmt

Foreign Grants ForeignGrantsGrp

Field	Value	IRS element (for citing)
Total	$0	TotalAmt

Benefits To Members BenefitsToMembersGrp

Field	Value	IRS element (for citing)
Total	$0	TotalAmt

Comp Current Ofcr Directors CompCurrentOfcrDirectorsGrp

Field	Value	IRS element (for citing)
Total	$179,560	TotalAmt

Comp Disqual Persons CompDisqualPersonsGrp

Field	Value	IRS element (for citing)
Total	$0	TotalAmt

Other Salaries And Wages OtherSalariesAndWagesGrp

Field	Value	IRS element (for citing)
Total	$2,891,309	TotalAmt

Pension Plan Contributions PensionPlanContributionsGrp

Field	Value	IRS element (for citing)
Total	$56,545	TotalAmt

Other Employee Benefits OtherEmployeeBenefitsGrp

Field	Value	IRS element (for citing)
Total	$778,784	TotalAmt

Payroll Taxes PayrollTaxesGrp

Field	Value	IRS element (for citing)
Total	$221,666	TotalAmt

Fees For Services Management FeesForServicesManagementGrp

Field	Value	IRS element (for citing)
Total	$0	TotalAmt

Fees For Services Legal FeesForServicesLegalGrp

Field	Value	IRS element (for citing)
Total	$51,907	TotalAmt

Fees For Services Accounting FeesForServicesAccountingGrp

Field	Value	IRS element (for citing)
Total	$25,560	TotalAmt

Fees For Services Lobbying FeesForServicesLobbyingGrp

Field	Value	IRS element (for citing)
Total	$0	TotalAmt

Fees For Services Prof Fundraising FeesForServicesProfFundraising

Field	Value	IRS element (for citing)
Total	$0	TotalAmt

Fees For Srvc Invst Mgmnt Fees FeesForSrvcInvstMgmntFeesGrp

Field	Value	IRS element (for citing)
Total	$18,061	TotalAmt

Fees For Services Other FeesForServicesOtherGrp

Field	Value	IRS element (for citing)
Total	$248,170	TotalAmt

Advertising AdvertisingGrp

Field	Value	IRS element (for citing)
Total	$220,082	TotalAmt

Office Expenses OfficeExpensesGrp

Field	Value	IRS element (for citing)
Total	$584,984	TotalAmt

Information Technology InformationTechnologyGrp

Field	Value	IRS element (for citing)
Total	$502,328	TotalAmt

Royalties RoyaltiesGrp

Field	Value	IRS element (for citing)
Total	$0	TotalAmt

Occupancy OccupancyGrp

Field	Value	IRS element (for citing)
Total	$359,484	TotalAmt

Travel TravelGrp

Field	Value	IRS element (for citing)
Total	$40,504	TotalAmt

Pymt Travel Entrtnmnt Pub Ofcl PymtTravelEntrtnmntPubOfclGrp

Field	Value	IRS element (for citing)
Total	$0	TotalAmt

Conferences Meetings ConferencesMeetingsGrp

Field	Value	IRS element (for citing)
Total	$0	TotalAmt

Interest InterestGrp

Field	Value	IRS element (for citing)
Total	$453,996	TotalAmt

Payments To Affiliates PaymentsToAffiliatesGrp

Field	Value	IRS element (for citing)
Total	$0	TotalAmt

Depreciation Depletion DepreciationDepletionGrp

Field	Value	IRS element (for citing)
Total	$232,553	TotalAmt

Insurance InsuranceGrp

Field	Value	IRS element (for citing)
Total	$84,984	TotalAmt

Other Expenses OtherExpensesGrp (4 entries)

DescDesc	TotalTotalAmt
LOAN SERVICING EXPENSES	$405,165
PROVISIONS FOR LOANS/OD LOSSES	$215,966
Postage and Shipping	$185,533
STATE EXAM FEES	$68,134

All Other Expenses AllOtherExpensesGrp

Field	Value	IRS element (for citing)
Total	$63,066	TotalAmt

Total Functional Expenses TotalFunctionalExpensesGrp

Field	Value	IRS element (for citing)
Total	$7,888,341	TotalAmt
Program Services	$0	ProgramServicesAmt
Management And General	$0	ManagementAndGeneralAmt
Fundraising	$0	FundraisingAmt

Cash Non Interest Bearing CashNonInterestBearingGrp

Field	Value	IRS element (for citing)
BOY	$8,248,830	BOYAmt
EOY	$13,648,567	EOYAmt

Savings And Temp Cash Invst SavingsAndTempCashInvstGrp

Field	Value	IRS element (for citing)
BOY	$66,626,825	BOYAmt
EOY	$96,821,916	EOYAmt

Pledges And Grants Receivable PledgesAndGrantsReceivableGrp

Field	Value	IRS element (for citing)
EOY	$0	EOYAmt

Accounts Receivable AccountsReceivableGrp

Field	Value	IRS element (for citing)
EOY	$0	EOYAmt

Receivables From Officers Etc ReceivablesFromOfficersEtcGrp

Field	Value	IRS element (for citing)
EOY	$0	EOYAmt

Rcvbl From Disqualified Prsn RcvblFromDisqualifiedPrsnGrp

Field	Value	IRS element (for citing)
EOY	$0	EOYAmt

Oth Notes Loans Receivable Net OthNotesLoansReceivableNetGrp

Field	Value	IRS element (for citing)
BOY	$116,236,459	BOYAmt
EOY	$122,417,153	EOYAmt

Inventories For Sale Or Use InventoriesForSaleOrUseGrp

Field	Value	IRS element (for citing)
EOY	$0	EOYAmt

Prepaid Expenses Defrd Charges PrepaidExpensesDefrdChargesGrp

Field	Value	IRS element (for citing)
EOY	$0	EOYAmt

Field	Value	IRS element (for citing)
Land Bldg Equip Cost Or Other Bss	$13,205,996	LandBldgEquipCostOrOtherBssAmt
Land Bldg Equip Accum Deprec	$7,633,356	LandBldgEquipAccumDeprecAmt

Land Bldg Equip Basis Net LandBldgEquipBasisNetGrp

Field	Value	IRS element (for citing)
BOY	$5,754,990	BOYAmt
EOY	$5,572,640	EOYAmt

Investments Pub Traded Sec InvestmentsPubTradedSecGrp

Field	Value	IRS element (for citing)
EOY	$0	EOYAmt

Investments Other Securities InvestmentsOtherSecuritiesGrp

Field	Value	IRS element (for citing)
EOY	$0	EOYAmt

Investments Program Related InvestmentsProgramRelatedGrp

Field	Value	IRS element (for citing)
EOY	$0	EOYAmt

Intangible Assets IntangibleAssetsGrp

Field	Value	IRS element (for citing)
EOY	$0	EOYAmt

Other Assets Total OtherAssetsTotalGrp

Field	Value	IRS element (for citing)
BOY	$558,726	BOYAmt
EOY	$533,608	EOYAmt

Total Assets TotalAssetsGrp

Field	Value	IRS element (for citing)
BOY	$197,425,830	BOYAmt
EOY	$238,993,884	EOYAmt

Accounts Payable Accr Expnss AccountsPayableAccrExpnssGrp

Field	Value	IRS element (for citing)
BOY	$316,413	BOYAmt
EOY	$787,960	EOYAmt

Other Liabilities OtherLiabilitiesGrp

Field	Value	IRS element (for citing)
BOY	$171,877,134	BOYAmt
EOY	$209,530,000	EOYAmt

Total Liabilities TotalLiabilitiesGrp

Field	Value	IRS element (for citing)
BOY	$172,193,547	BOYAmt
EOY	$210,317,960	EOYAmt

Field	Value	IRS element (for citing)
Org Does Not Follow SFAS117	Yes (X)	OrgDoesNotFollowSFAS117Ind

Rtn Earn Endowment Incm Oth Fnds RtnEarnEndowmentIncmOthFndsGrp

Field	Value	IRS element (for citing)
BOY	$25,232,283	BOYAmt
EOY	$28,675,924	EOYAmt

Total Net Assets Fund Balance TotalNetAssetsFundBalanceGrp

Field	Value	IRS element (for citing)
BOY	$25,232,283	BOYAmt
EOY	$28,675,924	EOYAmt

Tot Liab Net Assets Fund Balance TotLiabNetAssetsFundBalanceGrp

Field	Value	IRS element (for citing)
BOY	$197,425,830	BOYAmt
EOY	$238,993,884	EOYAmt

Field	Value	IRS element (for citing)
Info In Schedule O Part XI	Yes (X)	InfoInScheduleOPartXIInd
Reconcilation Revenue Expnss	$484,503	ReconcilationRevenueExpnssAmt
Other Changes In Net Assets	$2,959,138	OtherChangesInNetAssetsAmt
Method Of Accounting Accrual	Yes (X)	MethodOfAccountingAccrualInd
Accountant Compile Or Review	false	AccountantCompileOrReviewInd
FS Audited	false	FSAuditedInd
Federal Grant Audit Required	false	FederalGrantAuditRequiredInd

Schedule D IRS990ScheduleD

Land LandGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$698,604	OtherCostOrOtherBasisAmt
Book Value	$698,604	BookValueAmt

Buildings BuildingsGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$7,246,601	OtherCostOrOtherBasisAmt
Depreciation	$2,716,525	DepreciationAmt
Book Value	$4,530,076	BookValueAmt

Leasehold Improvements LeaseholdImprovementsGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$136,713	OtherCostOrOtherBasisAmt
Depreciation	$135,791	DepreciationAmt
Book Value	$922	BookValueAmt

Equipment EquipmentGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$3,458,287	OtherCostOrOtherBasisAmt
Depreciation	$3,119,897	DepreciationAmt
Book Value	$338,390	BookValueAmt

Other Land Buildings OtherLandBuildingsGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$1,665,791	OtherCostOrOtherBasisAmt
Depreciation	$1,661,143	DepreciationAmt
Book Value	$4,648	BookValueAmt

Field	Value	IRS element (for citing)
Total Book Value Land Buildings	$5,572,640	TotalBookValueLandBuildingsAmt

Other Liabilities Org OtherLiabilitiesOrgGrp (2 entries)

DescDesc	AmtAmt
ACCRUALS AND OTHER LIABILITIES	$748,849
MEMBER DEPOSITS	$208,781,151

Field	Value	IRS element (for citing)
Total Liability	$209,530,000	TotalLiabilityAmt

Schedule L IRS990ScheduleL

Loans Btwn Org Interested Prsn LoansBtwnOrgInterestedPrsnGrp (3 entries)

Relationship With OrgRelationshipWithOrgTxt	Loan PurposeLoanPurposeTxt	Loan From OrganizationLoanFromOrganizationInd	Original PrincipalOriginalPrincipalAmt	Balance DueBalanceDueAmt	DefaultDefaultInd	Board Or Committee ApprovalBoardOrCommitteeApprovalInd	Written AgreementWrittenAgreementInd
LES VANDEVENTER
DIRECTOR	ORG IS CREDIT UNION	Yes (X)	$36,474	$23,544	false	Yes (true)	Yes (true)
CHRISTOPHER ENGLISH
SECRETARY	ORG IS CREDIT UNION	Yes (X)	$500,833	$448,537	false	Yes (true)	Yes (true)
JIM ADMIRE
DIRECTOR	ORG IS CREDIT UNION	Yes (X)	$12,000	$10,793	false	Yes (true)	Yes (true)

Field	Value	IRS element (for citing)
Total Balance Due	$482,874	TotalBalanceDueAmt

Schedule O IRS990ScheduleO

Supplemental Information Detail SupplementalInformationDetail (6 entries)

Form And Line ReferenceFormAndLineReferenceDesc	ExplanationExplanationTxt
Form 990, Part VI, Line 6: Explanation of Classes of Members or Shareholder	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, Line 11b: Form 990 Review Process	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, Line 12c: Explanation of Monitoring and Enforcement of Conflicts	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, Line 15b: Compensation Review and Approval Process for Officers and Key Employees	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, Line 19: Other Organization Documents Publicly Available	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.
Other Changes In Net Assets Or Fund Balances - Other Increases	Acquisition of DCFCU = $2959138