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GECU: Form 990, tax year 2015

View the entire original 990 at ProPublica ↗

Organization
GECU (EIN 74-0650998)
Tax period
2015-01-01 to 2015-12-31
Filed
2016-08-04
IRS object ID
201632179349301438
Schema version
2015v2.1
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

FieldValueIRS element (for citing)
Return2016-08-04T16:21:10-05:00ReturnTs
Tax Period End2015-12-31TaxPeriodEndDt

Preparer Firm PreparerFirmGrp

FieldValueIRS element (for citing)
Preparer Firm EIN010592228PreparerFirmEIN

Preparer Firm Name PreparerFirmName

FieldValueIRS element (for citing)
Business Name Line1PATE & APPLEBY LLPBusinessNameLine1Txt

Preparer US Address PreparerUSAddress

FieldValueIRS element (for citing)
Address Line11011 MONTANA AVENUEAddressLine1Txt
CityEL PASOCityNm
State AbbreviationTXStateAbbreviationCd
ZIP79902ZIPCd
FieldValueIRS element (for citing)
Return Type990ReturnTypeCd
Tax Period Begin2015-01-01TaxPeriodBeginDt

Filer Filer

FieldValueIRS element (for citing)
EIN740650998EIN

Business Name BusinessName

FieldValueIRS element (for citing)
Business Name Line1GECUBusinessNameLine1Txt
FieldValueIRS element (for citing)
Business Name ControlGECUBusinessNameControlTxt
Phone9157789221PhoneNum

US Address USAddress

FieldValueIRS element (for citing)
Address Line11225 AIRWAYAddressLine1Txt
CityEL PASOCityNm
State AbbreviationTXStateAbbreviationCd
ZIP79925ZIPCd

Business Officer BusinessOfficerGrp

FieldValueIRS element (for citing)
PersonCRYSTAL LONGPersonNm
Person TitlePRESIDENT AND CEOPersonTitleTxt
Phone9157789221PhoneNum
Signature2016-07-22SignatureDt
Discuss With Paid PreparerYes (1)DiscussWithPaidPreparerInd

Preparer Person PreparerPersonGrp

FieldValueIRS element (for citing)
Preparer PersonRICHARD DE SANTOSPreparerPersonNm
PTINP01385749PTIN
Phone9155328000PhoneNum
Preparation2016-07-22PreparationDt
Self EmployedYes (X)SelfEmployedInd
FieldValueIRS element (for citing)
Tax2015TaxYr
Build TS2016-12-15 16:53:06ZBuildTS

Form 990 IRS990

FieldValueIRS element (for citing)
Principal OfficerCRYSTAL LONGPrincipalOfficerNm

US Address USAddress

FieldValueIRS element (for citing)
Address Line11225 AIRWAYAddressLine1Txt
CityEL PASOCityNm
State AbbreviationTXStateAbbreviationCd
ZIP79925ZIPCd
FieldValueIRS element (for citing)
Gross Receipts$216,945,634GrossReceiptsAmt
Group Return For Affiliates0GroupReturnForAffiliatesInd
Organization501cYes (X)Organization501cInd
Website AddressWWW.MYGECU.ORGWebsiteAddressTxt
Type Of Organization CorpYes (X)TypeOfOrganizationCorpInd
Formation1932FormationYr
Legal Domicile StateTXLegalDomicileStateCd
Activity Or MissionCOOPERATIVE PROVIDER OF CREDIT UNION FINANCIAL SERVICESActivityOrMissionDesc
Voting Members Governing Body7VotingMembersGoverningBodyCnt
Voting Members Independent7VotingMembersIndependentCnt
Total Employee867TotalEmployeeCnt
Total Volunteers0TotalVolunteersCnt
Total Gross UBI$359,306TotalGrossUBIAmt
Net Unrelated Bus Txbl Incm$0NetUnrelatedBusTxblIncmAmt
PY Contributions Grants$0PYContributionsGrantsAmt
CY Contributions Grants$0CYContributionsGrantsAmt
PY Program Service Revenue$120,801,939PYProgramServiceRevenueAmt
CY Program Service Revenue$135,960,467CYProgramServiceRevenueAmt
PY Investment Income$4,204,471PYInvestmentIncomeAmt
CY Investment Income$2,423,517CYInvestmentIncomeAmt
PY Other Revenue$0PYOtherRevenueAmt
CY Other Revenue$0CYOtherRevenueAmt
PY Total Revenue$125,006,410PYTotalRevenueAmt
CY Total Revenue$138,383,984CYTotalRevenueAmt
PY Grants And Similar Paid$0PYGrantsAndSimilarPaidAmt
CY Grants And Similar Paid$0CYGrantsAndSimilarPaidAmt
PY Benefits Paid To Members$0PYBenefitsPaidToMembersAmt
CY Benefits Paid To Members$0CYBenefitsPaidToMembersAmt
PY Salaries Comp Emp Bnft Paid$34,573,822PYSalariesCompEmpBnftPaidAmt
CY Salaries Comp Emp Bnft Paid$36,202,804CYSalariesCompEmpBnftPaidAmt
PY Total Prof Fndrsng Expns$0PYTotalProfFndrsngExpnsAmt
CY Total Prof Fndrsng Expns$0CYTotalProfFndrsngExpnsAmt
CY Total Fundraising Expense$0CYTotalFundraisingExpenseAmt
PY Other Expenses$72,285,772PYOtherExpensesAmt
CY Other Expenses$82,501,650CYOtherExpensesAmt
PY Total Expenses$106,859,594PYTotalExpensesAmt
CY Total Expenses$118,704,454CYTotalExpensesAmt
PY Revenues Less Expenses$18,146,816PYRevenuesLessExpensesAmt
CY Revenues Less Expenses$19,679,530CYRevenuesLessExpensesAmt
Total Assets BOY$2,100,657,676TotalAssetsBOYAmt
Total Assets EOY$2,294,444,648TotalAssetsEOYAmt
Total Liabilities BOY$1,904,766,631TotalLiabilitiesBOYAmt
Total Liabilities EOY$2,079,965,035TotalLiabilitiesEOYAmt
Net Assets Or Fund Balances BOY$195,891,045NetAssetsOrFundBalancesBOYAmt
Net Assets Or Fund Balances EOY$214,479,613NetAssetsOrFundBalancesEOYAmt
MissionPROVIDE OUR MEMBERS WITH CONVENIENT, SUPERIOR FINANCIAL PRODUCTS AND SERVICES THAT PAVE THE WAY FOR FINANCIAL FREEDOM.MissionDesc
Significant New Program Srvc0SignificantNewProgramSrvcInd
Significant Change0SignificantChangeInd
DescVOLUNTARY, COOPERATIVE, NON-PROFIT SAVINGS INSTITUTION (CREDIT UNION), INCORPORATED UNDER THE PROVISIONS OF THE TEXAS CREDIT UNION ACT, FOR THE PURPOSE OF ENCOURAGING THRIFT AMONG MEMBERS, PROVIDING CREDIT AT A FAIR AND REASONABLE RATE OF INTEREST AND PROVIDING AN OPPORTUNITY TO IMPROVE OUR MEMBER'S ECONOMIC CONDITION.Desc
Described In Section501c30DescribedInSection501c3Ind
Schedule B Required0ScheduleBRequiredInd
Political Campaign Acty0PoliticalCampaignActyInd
Subject To Proxy Tax0SubjectToProxyTaxInd
Donor Advised Fund0DonorAdvisedFundInd
Conservation Easements0ConservationEasementsInd
Collections Of Art0CollectionsOfArtInd
Credit CounselingYes (1)CreditCounselingInd
Temp Or Permanent Endowments0TempOrPermanentEndowmentsInd
Report Land Building EquipmentYes (1)ReportLandBuildingEquipmentInd
Report Investments Other Sec0ReportInvestmentsOtherSecInd
Report Program Related Invst0ReportProgramRelatedInvstInd
Report Other Assets0ReportOtherAssetsInd
Report Other Liabilities0ReportOtherLiabilitiesInd
Include FIN48 FootnoteYes (1)IncludeFIN48FootnoteInd
Independent Audit Fincl Stmt0IndependentAuditFinclStmtInd
Consolidated Audit Fincl StmtYes (1)ConsolidatedAuditFinclStmtInd
School Operating0SchoolOperatingInd
Foreign Office0ForeignOfficeInd
Foreign Activities0ForeignActivitiesInd
More Than5000 K To Org0MoreThan5000KToOrgInd
More Than5000 K To Individuals0MoreThan5000KToIndividualsInd
Professional Fundraising0ProfessionalFundraisingInd
Fundraising Activities0FundraisingActivitiesInd
Gaming Activities0GamingActivitiesInd
Operate Hospital0OperateHospitalInd
Grants To Organizations0GrantsToOrganizationsInd
Grants To Individuals0GrantsToIndividualsInd
Schedule J RequiredYes (1)ScheduleJRequiredInd
Tax Exempt Bonds0TaxExemptBondsInd
Loan Outstanding0LoanOutstandingInd
Grant To Related Person0GrantToRelatedPersonInd
Business Rln With Org Mem0BusinessRlnWithOrgMemInd
Business Rln With Fam Mem0BusinessRlnWithFamMemInd
Business Rln With Officer Ent0BusinessRlnWithOfficerEntInd
Deductible Non Cash Contri0DeductibleNonCashContriInd
Deductible Art Contribution0DeductibleArtContributionInd
Terminate Operations0TerminateOperationsInd
Partial Liquidation0PartialLiquidationInd
Disregarded Entity0DisregardedEntityInd
Related EntityYes (1)RelatedEntityInd
Related Organization Ctrl EntYes (1)RelatedOrganizationCtrlEntInd
Transaction With Control EntYes (1)TransactionWithControlEntInd
Activities Conducted Prtshp0ActivitiesConductedPrtshpInd
Schedule O RequiredYes (1)ScheduleORequiredInd
IRP Document240765IRPDocumentCnt
IRP Document W2 G0IRPDocumentW2GCnt
Backup Wthld ComplianceYes (1)BackupWthldComplianceInd
Employee867EmployeeCnt
Employment Tax Returns FiledYes (1)EmploymentTaxReturnsFiledInd
Unrelated Bus Incm Over LimitYes (1)UnrelatedBusIncmOverLimitInd
Form990 T FiledYes (1)Form990TFiledInd
Foreign Financial Account0ForeignFinancialAccountInd
Prohibited Tax Shelter Trans0ProhibitedTaxShelterTransInd
Taxable Party Notification0TaxablePartyNotificationInd
Nondeductible Contributions0NondeductibleContributionsInd
Quid Pro Quo Contributions0QuidProQuoContributionsInd
Form8282 Property Disposed Of0Form8282PropertyDisposedOfInd
Indoor Tanning Services0IndoorTanningServicesInd
Info In Schedule O Part VIYes (X)InfoInScheduleOPartVIInd
Governing Body Voting Members7GoverningBodyVotingMembersCnt
Independent Voting Member7IndependentVotingMemberCnt
Family Or Business Rln0FamilyOrBusinessRlnInd
Delegation Of Mgmt Duties0DelegationOfMgmtDutiesInd
Change To Org Documents0ChangeToOrgDocumentsInd
Material Diversion Or Misuse0MaterialDiversionOrMisuseInd
Members Or StockholdersYes (1)MembersOrStockholdersInd
Election Of Board MembersYes (1)ElectionOfBoardMembersInd
Decisions Subject To ApprovaYes (1)DecisionsSubjectToApprovaInd
Minutes Of Governing BodyYes (1)MinutesOfGoverningBodyInd
Minutes Of CommitteesYes (1)MinutesOfCommitteesInd
Officer Mailing Address0OfficerMailingAddressInd
Local ChaptersYes (1)LocalChaptersInd
Policies Reference ChaptersYes (1)PoliciesReferenceChaptersInd
Form990 Provided To Gvrn Body0Form990ProvidedToGvrnBodyInd
Conflict Of Interest PolicyYes (1)ConflictOfInterestPolicyInd
Annual Disclosure Covered PrsnYes (1)AnnualDisclosureCoveredPrsnInd
Regular Monitoring EnfrcYes (1)RegularMonitoringEnfrcInd
Whistleblower PolicyYes (1)WhistleblowerPolicyInd
Document Retention PolicyYes (1)DocumentRetentionPolicyInd
Compensation Process CEOYes (1)CompensationProcessCEOInd
Compensation Process OtherYes (1)CompensationProcessOtherInd
Investment In Joint Venture0InvestmentInJointVentureInd
Other WebsiteYes (X)OtherWebsiteInd
Upon RequestYes (X)UponRequestInd

Books In Care Of Detail BooksInCareOfDetail

FieldValueIRS element (for citing)
PersonDAVID SOLISPersonNm
Phone9157748260PhoneNum

US Address USAddress

FieldValueIRS element (for citing)
Address Line11225 AIRWAYAddressLine1Txt
CityEL PASOCityNm
State AbbreviationTXStateAbbreviationCd
ZIP79925ZIPCd

Form990 Part VII Section A Form990PartVIISectionAGrp (24 entries)

TitleTitleTxtAverage Hours Per WeekAverageHoursPerWeekRtIndividual Trustee Or DirectorIndividualTrusteeOrDirectorIndReportable Comp From OrgReportableCompFromOrgAmtReportable Comp From Rltd OrgReportableCompFromRltdOrgAmtOther CompensationOtherCompensationAmtOfficerOfficerIndHighest Compensated EmployeeHighestCompensatedEmployeeInd
GREGORY J WATTERS
DIRECTOR5.00Yes (X)$375$0$0
FRANK GARCIA
DIRECTOR3.00Yes (X)$475$0$0
JOSE I QUINONEZ
DIRECTOR3.00Yes (X)$375$0$0
GUADALUPE GINER
DIRECTOR3.00Yes (X)$475$0$0
RICARDO SOTO
DIRECTOR3.00Yes (X)$450$0$0
TERESA QUEZADA
DIRECTOR3.00Yes (X)$350$0$0
GRACE VAUGHN
DIRECTOR3.00Yes (X)$350$0$0
CRYSTAL D LONG
PRESIDENT/CEO40.00$646,072$0$262,649Yes (X)
TERESA MONTOYA
SR. VP - MARKETING40.00$186,350$0$22,573Yes (X)
CECILIA A DAVILA
SR. VP - OPERATIONS40.00$211,619$0$54,148Yes (X)
DARLENE PALMORE
SR. VP - COMPLIANCE40.00$188,897$0$35,818Yes (X)
HAZEL KENNEDY-LEDESMA
SR. VP - ADMINISTRATIVE SERVICES40.00$181,739$0$42,737Yes (X)
ROY THOMPKINS
VP - BUSINESS SERVICES40.00$283,383$0$27,913Yes (X)
FERNANDO ORTEGA
SR. VP - INFORMATION TECHNOLOG40.00$193,637$0$36,237Yes (X)
ARTURO PEREZ
VP - LENDING40.00$186,194$0$40,955Yes (X)
JOE UNDERWOOD
VP - HUMAN RESOURCES40.00$138,575$0$25,136Yes (X)
DAVID SOLIS
VP - CONTROLLER40.00$136,554$0$39,212Yes (X)
LETICIA RAMOS
VP - MORTGAGE40.00$150,085$0$40,058Yes (X)
MIKE SARABIA
VP - INTERNAL AUDIT40.00$88,400$0$35,224Yes (X)
LARRY GARCIA
VP - COMMUNITY DEVELOPMENT40.00$115,647$0$23,427Yes (X)
RAYMOND STALLINGS
EMPLOYEE40.00$123,157$0$39,550Yes (X)
SANDRA LUJAN
EMPLOYEE40.00$125,587$0$17,888Yes (X)
JACQUE VALDEZ
EMPLOYEE40.00$112,474$0$33,830Yes (X)
JENNY TURNER
EMPLOYEE40.00$107,406$0$37,611Yes (X)
FieldValueIRS element (for citing)
Total Reportable Comp From Org$3,178,626TotalReportableCompFromOrgAmt
Tot Reportable Comp Rltd Org$0TotReportableCompRltdOrgAmt
Total Other Compensation$814,966TotalOtherCompensationAmt
Indiv Rcvd Greater Than100 K16IndivRcvdGreaterThan100KCnt
Former Ofcr Employees Listed0FormerOfcrEmployeesListedInd
Total Comp Greater Than150 KYes (1)TotalCompGreaterThan150KInd
Compensation From Other Srcs0CompensationFromOtherSrcsInd

Contractor Compensation ContractorCompensationGrp (5 entries)

Address Line1ContractorAddress/USAddress/AddressLine1TxtCityContractorAddress/USAddress/CityNmState AbbreviationContractorAddress/USAddress/StateAbbreviationCdZIPContractorAddress/USAddress/ZIPCdServicesServicesDescCompensationCompensationAmt
DBSI INCORPORATED
6950 W MORELOS PL STE 1CHANDLERAZ85226FACILITIES CONSTRUCTION AND RECONSTRUCTI$5,227,371
FIDELITY INFORMATION SERVICE
PO BOX 4535CAROL STREAMIL60197MEMBER STATEMENT PROCESSING$4,023,507
NCR CORPORATION
14181 COLLECTIONS CENTER DRIVECHICAGOIL60693CONSUMER TRANSACTION TECHNOLOGIES$3,375,577
SANDERS WINGO
221 N KANSAS STREETEL PASOTX79901ADVERTISING$3,071,430
SIGMA TECHNOLOGY SOLUTIONS INC
PO BOX 733113DALLASTX75373TECHNOLOGY SERVICES$1,062,352
FieldValueIRS element (for citing)
Cntrct Rcvd Greater Than100 K5CntrctRcvdGreaterThan100KCnt

Program Service Revenue ProgramServiceRevenueGrp (4 entries)

DescDescBusinessBusinessCdTotal Revenue ColumnTotalRevenueColumnAmtRelated Or Exempt Func IncomeRelatedOrExemptFuncIncomeAmtUnrelated Business RevenueUnrelatedBusinessRevenueAmt
INTEREST ON LOANS522100$94,721,021$94,721,021
SERVICE CHARGES AND FEES522100$32,613,443$32,254,137$359,306
OTHER, NET522100$4,877,867$4,877,867
LIFE & DISABILITY INSURANCE522100$3,748,136$3,748,136
FieldValueIRS element (for citing)
Total Program Service Revenue$135,960,467TotalProgramServiceRevenueAmt

Investment Income InvestmentIncomeGrp

FieldValueIRS element (for citing)
Total Revenue Column$2,702,815TotalRevenueColumnAmt
Exclusion$2,702,815ExclusionAmt

Gross Amount Sales Assets GrossAmountSalesAssetsGrp

FieldValueIRS element (for citing)
Securities$66,605,488SecuritiesAmt
Other$11,676,864OtherAmt

Less Cost Oth Basis Sales Expnss LessCostOthBasisSalesExpnssGrp

FieldValueIRS element (for citing)
Securities$66,305,367SecuritiesAmt
Other$12,256,283OtherAmt

Gain Or Loss GainOrLossGrp

FieldValueIRS element (for citing)
Securities$300,121SecuritiesAmt
Other-$579,419OtherAmt

Net Gain Or Loss Investments NetGainOrLossInvestmentsGrp

FieldValueIRS element (for citing)
Total Revenue Column-$279,298TotalRevenueColumnAmt
Related Or Exempt Func Income-$279,298RelatedOrExemptFuncIncomeAmt

Total Revenue TotalRevenueGrp

FieldValueIRS element (for citing)
Total Revenue Column$138,383,984TotalRevenueColumnAmt
Related Or Exempt Func Income$135,321,863RelatedOrExemptFuncIncomeAmt
Unrelated Business Revenue$359,306UnrelatedBusinessRevenueAmt
Exclusion$2,702,815ExclusionAmt

Comp Current Ofcr Directors CompCurrentOfcrDirectorsGrp

FieldValueIRS element (for citing)
Total$3,393,241TotalAmt

Other Salaries And Wages OtherSalariesAndWagesGrp

FieldValueIRS element (for citing)
Total$23,630,734TotalAmt

Pension Plan Contributions PensionPlanContributionsGrp

FieldValueIRS element (for citing)
Total$2,463,924TotalAmt

Other Employee Benefits OtherEmployeeBenefitsGrp

FieldValueIRS element (for citing)
Total$4,465,610TotalAmt

Payroll Taxes PayrollTaxesGrp

FieldValueIRS element (for citing)
Total$2,249,295TotalAmt

Fees For Services Legal FeesForServicesLegalGrp

FieldValueIRS element (for citing)
Total$457,783TotalAmt

Fees For Services Accounting FeesForServicesAccountingGrp

FieldValueIRS element (for citing)
Total$110,950TotalAmt

Advertising AdvertisingGrp

FieldValueIRS element (for citing)
Total$4,588,372TotalAmt

Office Expenses OfficeExpensesGrp

FieldValueIRS element (for citing)
Total$5,864,210TotalAmt

Information Technology InformationTechnologyGrp

FieldValueIRS element (for citing)
Total$2,527,111TotalAmt

Occupancy OccupancyGrp

FieldValueIRS element (for citing)
Total$3,934,580TotalAmt

Travel TravelGrp

FieldValueIRS element (for citing)
Total$427,900TotalAmt

Conferences Meetings ConferencesMeetingsGrp

FieldValueIRS element (for citing)
Total$183,991TotalAmt

Interest InterestGrp

FieldValueIRS element (for citing)
Total$16,455,402TotalAmt

Depreciation Depletion DepreciationDepletionGrp

FieldValueIRS element (for citing)
Total$6,178,048TotalAmt

Insurance InsuranceGrp

FieldValueIRS element (for citing)
Total$712,107TotalAmt

Other Expenses OtherExpensesGrp (4 entries)

DescDescTotalTotalAmt
OFFICE OPERATIONS$20,693,489
PROVISION FOR LOAN LOSS$13,304,503
OTHER OPERATING EXPENSE$6,120,895
EDUCATION AND PROMOTION$942,309

Total Functional Expenses TotalFunctionalExpensesGrp

FieldValueIRS element (for citing)
Total$118,704,454TotalAmt

Cash Non Interest Bearing CashNonInterestBearingGrp

FieldValueIRS element (for citing)
BOY$49,705,274BOYAmt
EOY$106,855,142EOYAmt

Savings And Temp Cash Invst SavingsAndTempCashInvstGrp

FieldValueIRS element (for citing)
BOY$1,208,676BOYAmt
EOY$1,208,676EOYAmt

Oth Notes Loans Receivable Net OthNotesLoansReceivableNetGrp

FieldValueIRS element (for citing)
BOY$1,712,085,933BOYAmt
EOY$1,946,675,752EOYAmt

Prepaid Expenses Defrd Charges PrepaidExpensesDefrdChargesGrp

FieldValueIRS element (for citing)
BOY$2,691,266BOYAmt
EOY$2,981,555EOYAmt
FieldValueIRS element (for citing)
Land Bldg Equip Cost Or Other Bss$104,589,290LandBldgEquipCostOrOtherBssAmt
Land Bldg Equip Accum Deprec$46,543,147LandBldgEquipAccumDeprecAmt

Land Bldg Equip Basis Net LandBldgEquipBasisNetGrp

FieldValueIRS element (for citing)
BOY$51,527,500BOYAmt
EOY$58,046,143EOYAmt

Investments Other Securities InvestmentsOtherSecuritiesGrp

FieldValueIRS element (for citing)
BOY$218,190,226BOYAmt
EOY$111,692,875EOYAmt

Other Assets Total OtherAssetsTotalGrp

FieldValueIRS element (for citing)
BOY$65,248,801BOYAmt
EOY$66,984,505EOYAmt

Total Assets TotalAssetsGrp

FieldValueIRS element (for citing)
BOY$2,100,657,676BOYAmt
EOY$2,294,444,648EOYAmt

Accounts Payable Accr Expnss AccountsPayableAccrExpnssGrp

FieldValueIRS element (for citing)
BOY$1,903,711,085BOYAmt
EOY$2,077,678,025EOYAmt

Escrow Account Liability EscrowAccountLiabilityGrp

FieldValueIRS element (for citing)
BOY$1,055,546BOYAmt
EOY$2,287,010EOYAmt

Total Liabilities TotalLiabilitiesGrp

FieldValueIRS element (for citing)
BOY$1,904,766,631BOYAmt
EOY$2,079,965,035EOYAmt
FieldValueIRS element (for citing)
Org Does Not Follow SFAS117Yes (X)OrgDoesNotFollowSFAS117Ind

Cap Stk Tr Prin Current Funds CapStkTrPrinCurrentFundsGrp

FieldValueIRS element (for citing)
BOY$15,580,572BOYAmt
EOY$15,580,572EOYAmt

Pd In Cap Srpls Land Bldg Eqp Fund PdInCapSrplsLandBldgEqpFundGrp

FieldValueIRS element (for citing)
BOY$0BOYAmt
EOY$0EOYAmt

Rtn Earn Endowment Incm Oth Fnds RtnEarnEndowmentIncmOthFndsGrp

FieldValueIRS element (for citing)
BOY$180,310,473BOYAmt
EOY$198,899,041EOYAmt

Total Net Assets Fund Balance TotalNetAssetsFundBalanceGrp

FieldValueIRS element (for citing)
BOY$195,891,045BOYAmt
EOY$214,479,613EOYAmt

Tot Liab Net Assets Fund Balance TotLiabNetAssetsFundBalanceGrp

FieldValueIRS element (for citing)
BOY$2,100,657,676BOYAmt
EOY$2,294,444,648EOYAmt
FieldValueIRS element (for citing)
Info In Schedule O Part XIYes (X)InfoInScheduleOPartXIInd
Reconcilation Revenue Expnss$19,679,530ReconcilationRevenueExpnssAmt
Net Unrlzd Gains Losses Invst-$1,084,885NetUnrlzdGainsLossesInvstAmt
Other Changes In Net Assets-$6,077OtherChangesInNetAssetsAmt
Info In Schedule O Part XIIYes (X)InfoInScheduleOPartXIIInd
Method Of Accounting AccrualYes (X)MethodOfAccountingAccrualInd
Accountant Compile Or Review0AccountantCompileOrReviewInd
FS AuditedYes (1)FSAuditedInd

FS Audited Basis FSAuditedBasisGrp

FieldValueIRS element (for citing)
Consolidated Basis Fincl StmtYes (X)ConsolidatedBasisFinclStmtInd
FieldValueIRS element (for citing)
Audit CommitteeYes (1)AuditCommitteeInd
Federal Grant Audit Required0FederalGrantAuditRequiredInd

Schedule D IRS990ScheduleD

FieldValueIRS element (for citing)
Agent Trustee EtcYes (1)AgentTrusteeEtcInd
Beginning Balance$1,055,546BeginningBalanceAmt
Additions During Year$56,188,012AdditionsDuringYearAmt
Distributions During Year$54,956,548DistributionsDuringYearAmt
Ending Balance$2,287,010EndingBalanceAmt
Incl Escrow Custodial Acct LiabYes (1)InclEscrowCustodialAcctLiabInd

Land LandGrp

FieldValueIRS element (for citing)
Other Cost Or Other Basis$6,985,488OtherCostOrOtherBasisAmt
Book Value$6,985,488BookValueAmt

Buildings BuildingsGrp

FieldValueIRS element (for citing)
Other Cost Or Other Basis$56,674,319OtherCostOrOtherBasisAmt
Depreciation$19,797,393DepreciationAmt
Book Value$36,876,926BookValueAmt

Equipment EquipmentGrp

FieldValueIRS element (for citing)
Other Cost Or Other Basis$40,929,483OtherCostOrOtherBasisAmt
Depreciation$26,745,754DepreciationAmt
Book Value$14,183,729BookValueAmt
FieldValueIRS element (for citing)
Total Book Value Land Buildings$58,046,143TotalBookValueLandBuildingsAmt
Footnote TextYes (X)FootnoteTextInd

Supplemental Information Detail SupplementalInformationDetail (2 entries)

Form And Line ReferenceFormAndLineReferenceDescExplanationExplanationTxt
PART IV, LINE 1B:THE CREDIT UNION SERVICES MORTGAGE LOANS AND HOLDS FUNDS IN ESCROW FOR TAXES AND INSURANCE PAYMENTS ON BEHALF OF THE BORROWERS.
PART X, LINE 2:THE CREDIT UNION IS GENERALLY EXEMPT FROM FEDERAL AND STATE INCOME TAXES UNDER SECTION 501(C)(14) OF THE INTERNAL REVENUE CODE. HOWEVER, THE CREDIT UNION MAY BE SUBJECT TO FEDERAL INCOME TAXES ON UNRELATED BUSINESS INCOME. THE CREDIT UNION INCURS UNRELATED BUSINESS INCOME TAX ON CERTAIN ATM FEES. ACCOUNTING PRINCIPLES GENERALLY ACCEPTED IN THE UNITED STATES OF AMERICA REQUIRE MANAGEMENT TO EVALUATE TAX POSITIONS TAKEN BY THE CREDIT UNION AND RECOGNIZE A TAX LIABILITY (OR ASSET) IF THE CREDIT UNION HAS TAKEN AN UNCERTAIN POSITION THAT MORE LIKELY THAN NOT WOULD NOT BE SUSTAINED UPON EXAMINATION BY THE IRS. MANAGEMENT HAS ANALYZED THE TAX POSITIONS TAKEN BY THE ORGANIZATION AND HAS CONCLUDED THAT AS OF DECEMBER 31, 2015, NO UNCERTAIN POSITIONS HAVE BEEN TAKEN OR ARE EXPECTED TO BE TAKEN THAT WOULD REQUIRE RECOGNITION OF A LIABILITY (OR ASSET) OR DISCLOSURE IN THE FINANCIAL STATEMENTS.

Schedule J IRS990ScheduleJ

FieldValueIRS element (for citing)
Travel For CompanionsYes (X)TravelForCompanionsInd
Written Policy Ref T And E ExpnssYes (1)WrittenPolicyRefTAndEExpnssInd
Substantiation RequiredYes (1)SubstantiationRequiredInd
Independent ConsultantYes (X)IndependentConsultantInd
Compensation SurveyYes (X)CompensationSurveyInd
Board Or Committee ApprovalYes (X)BoardOrCommitteeApprovalInd
Severance Payment0SeverancePaymentInd
Supplemental Nonqual Rtr PlanYes (1)SupplementalNonqualRtrPlanInd
Equity Based Comp Arrngm0EquityBasedCompArrngmInd

Rltd Org Officer Trst Key Empl RltdOrgOfficerTrstKeyEmplGrp (12 entries)

TitleTitleTxtBase Compensation Filing OrgBaseCompensationFilingOrgAmtCompensation Based On Rltd OrgsCompensationBasedOnRltdOrgsAmtBonus Filing OrganizationBonusFilingOrganizationAmountBonus Related OrganizationsBonusRelatedOrganizationsAmtOther Compensation Filing OrgOtherCompensationFilingOrgAmtOther Compensation Rltd OrgsOtherCompensationRltdOrgsAmtDeferred Compensation Flng OrgDeferredCompensationFlngOrgAmtDeferred Comp Rltd OrgsDeferredCompRltdOrgsAmtNontaxable Benefits Filing OrgNontaxableBenefitsFilingOrgAmtNontaxable Benefits Rltd OrgsNontaxableBenefitsRltdOrgsAmtTotal Compensation Filing OrgTotalCompensationFilingOrgAmtTotal Compensation Rltd OrgsTotalCompensationRltdOrgsAmtComp Report Prior990 Filing OrgCompReportPrior990FilingOrgAmtComp Report Prior990 Rltd OrgsCompReportPrior990RltdOrgsAmt
CRYSTAL D LONG
PRESIDENT/CEO$489,226$0$156,846$0$0$0$249,211$0$13,438$0$908,721$0$0$0
TERESA MONTOYA
SR. VP - MARKETING$169,248$0$17,102$0$0$0$10,370$0$12,203$0$208,923$0$0$0
CECILIA A DAVILA
SR. VP - OPERATIONS$190,099$0$21,520$0$0$0$36,327$0$17,821$0$265,767$0$0$0
DARLENE PALMORE
SR. VP - COMPLIANCE$172,681$0$16,216$0$0$0$34,141$0$1,677$0$224,715$0$0$0
HAZEL KENNEDY-LEDESMA
SR. VP - ADMINISTRATIVE SERVICES$168,128$0$13,611$0$0$0$34,427$0$8,310$0$224,476$0$0$0
ROY THOMPKINS
VP - BUSINESS SERVICES$257,411$0$25,972$0$0$0$15,637$0$12,276$0$311,296$0$0$0
FERNANDO ORTEGA
SR. VP - INFORMATION TECHNOLOG$176,444$0$17,193$0$0$0$18,529$0$17,708$0$229,874$0$0$0
ARTURO PEREZ
VP - LENDING$169,633$0$16,561$0$0$0$33,886$0$7,069$0$227,149$0$0$0
JOE UNDERWOOD
VP - HUMAN RESOURCES$126,393$0$12,182$0$0$0$13,122$0$12,014$0$163,711$0$0$0
DAVID SOLIS
VP - CONTROLLER$125,806$0$10,748$0$0$0$25,942$0$13,270$0$175,766$0$0$0
LETICIA RAMOS
VP - MORTGAGE$104,985$0$45,100$0$0$0$22,748$0$17,310$0$190,143$0$0$0
RAYMOND STALLINGS
EMPLOYEE$115,750$0$7,407$0$0$0$25,141$0$14,409$0$162,707$0$0$0

Supplemental Information Detail SupplementalInformationDetail

FieldValueIRS element (for citing)
Form And Line ReferencePART I, LINE 4BFormAndLineReferenceDesc
ExplanationPARTICIPANTS IN A SUPPLEMENTAL NONQUALIFIED RETIREMENT PLAN: CRYSTAL LONG - $ 17,990 TERESA MONTOYA - $ 17,316 FERNANDO ORTEGA - $ 7,808 ROY TOMPKINS - $ 13,829 DAVID SOLIS - $ 8,127 LETICIA RAMOS - $ 10,486 JOE UNDERWOOD - $ 7,000ExplanationTxt

Schedule O IRS990ScheduleO

Supplemental Information Detail SupplementalInformationDetail (9 entries)

Form And Line ReferenceFormAndLineReferenceDescExplanationExplanationTxt
FORM 990, PART VI, SECTION A, LINE 6THE ORGANIZATION IS A STATE CHARTERED COMMUNITY CREDIT UNION. MEMBERSHIP IS ESTABLISHED THROUGH THE OPENING OF SHARE ACCOUNTS AT THE INSTITUTION. MEMBERS VOTE AT AN ANNUAL MEETING TO ELECT REPRESENTATIVES TO THE BOARD OF DIRECTORS OF THE INSTITUTION.
FORM 990, PART VI, SECTION A, LINE 7ATHE ORGANIZATION IS A STATE CHARTERD COMMUNITY CREDIT UNION. MEMBERSHIP IS ESTABLISHED THROUGH THE OPENING OF SHARE ACCOUNTS AT THE INSTITUTION. MEMBERS VOTE AT AN ANNUAL MEETING TO ELECT REPRESENTATIVS TO THE BOARD OF DIRECTORS OF THE INSTITUTION.
FORM 990, PART VI, SECTION A, LINE 7BAS DISCUSSED IN 7A, MEMBERS HOLD ELECTIONS AT AN ANNUAL MEETING TO ELECT MEMBERS TO THE BOARD OF DIRECTORS FOR THOSE BOARD MEMBERS WHOSE TERMS ARE ENDING.
FORM 990, PART VI, SECTION B, LINE 11THE CEO AND CONTROLLER REVIEW FORM 990 PRIOR TO FILING. UPON COMPLETION OF THEIR REVIEW THE RETURN IS FILED WITH THE INTERNAL REVENUE SERVICE. THE ORGANIZATION INFORMS THE BOARD OF DIRECTORS THAT FORM 990 IS AVAILABLE TO THEM UPON THEIR REQUEST.
FORM 990, PART VI, SECTION B, LINE 12CANY OFFICER, DIRECTOR, ADVISORY DIRECTOR OR COMMITTEE MEMBER OF THE CREDIT UNION MUST DISCLOSE ANY CONFLICT OF INTEREST PRIOR TO DELIBERATION OR DETERMINATION OF ANY LOAN, INVESTMENT OR ANY OTHER MATTER AFFECTING THAT INDIVIDUAL AND THE INDIVIDUAL CAN NOT PARTICIPATE, DIRECTLY OR INDIRECTLY, IN SUCH DELIBERATION OR DETERMINATION.
FORM 990, PART VI, SECTION B, LINE 15THE INSTITUTION USES HRN, AN INDEPENDENT COMPENSATION CONSULTANT, TO SUPPLY COMPARATIVE MARKET DATA. OTHER REPUTABLE SOURCES SUCH AS CUNA, D. HILTON AND CREDIT UNION EXECUTIVE SOCIETY ARE ALSO USED. A REPORT IS PREPARED FOR BOARD OF DIRECTORS REVIEW. THE BOARD WILL SET THE SALARY, BONUS AND BENEFITS FOR THE CEO.
FORM 990, PART VI, SECTION C, LINE 19GECU DOES NOT MAKE ITS GOVERNING DOCUMENTS OR CONFLICT OF INTEREST POLICY AVAILABLE TO THE PUBLIC. FINANCIAL STATEMENTS ARE POSTED IN THE LOBBY OF EACH BRANCH OFFICE EACH MONTH AND ARE AVAILABLE TO THE PUBLIC UPON REQUEST FROM ANY OFFICER OR MANAGER.
FORM 990, PART XI, LINE 9:UNREALIZED HOLDING LOSS ON POST RETIREMENT OBLIGATIONS -6,077.
FORM 990, PART XII, LINE 2CNO CHANGES HAVE BEEN MADE WITH REGARDS TO THE AUDIT OVERSIGHT OR SELECTION PROCESS DURING THE CURRENT TAX YEAR.

Schedule R IRS990ScheduleR

Id Related Tax Exempt Org IdRelatedTaxExemptOrgGrp (2 entries)

Address Line1USAddress/AddressLine1TxtCityUSAddress/CityNmState AbbreviationUSAddress/StateAbbreviationCdZIPUSAddress/ZIPCdEINEINPrimary ActivitiesPrimaryActivitiesTxtLegal Domicile StateLegalDomicileStateCdExempt Code SectionExemptCodeSectionTxtPublic Charity StatusPublicCharityStatusTxtControlled OrganizationControlledOrganizationInd
GECU FOUNDATION
1225 AIRWAY BLVDEL PASOTX79925208801986FUNDING OF A SCHOLARSHIP ENDOWMENT FUNDTX501(C)(3)LINE 11D, III-O0
EL PASO CREDIT UNION HOAP INC
6801 VISCOUNT BLVD STE AEL PASOTX79925300181693PROVIDE FINANCIAL LITERACY, HOUSING COUNSELING AND DOWN PAYMENT ASSISTANCETX501(C)(3)LINE 11D, III-O0
FieldValueIRS element (for citing)
Receipt Of Int Annts Rnts Rylts0ReceiptOfIntAnntsRntsRyltsInd
Gift Grnt Or Cap Contri To Oth Org0GiftGrntOrCapContriToOthOrgInd
Gift Grnt Cap Contri From Oth Org0GiftGrntCapContriFromOthOrgInd
Loans Or Guarantees To Other Org0LoansOrGuaranteesToOtherOrgInd
Loans Or Guarantees From Oth Org0LoansOrGuaranteesFromOthOrgInd
Div Related Organization0DivRelatedOrganizationInd
Asset Sale To Other Org0AssetSaleToOtherOrgInd
Asset Purchase From Other Org0AssetPurchaseFromOtherOrgInd
Asset Exchange0AssetExchangeInd
Rental Of Facilities To Oth Org0RentalOfFacilitiesToOthOrgInd
Rental Of Fclts From Oth Org0RentalOfFcltsFromOthOrgInd
Perform Of Services For Oth OrgYes (1)PerformOfServicesForOthOrgInd
Perform Of Services By Other Org0PerformOfServicesByOtherOrgInd
Sharing Of FacilitiesYes (1)SharingOfFacilitiesInd
Paid Employees SharingYes (1)PaidEmployeesSharingInd
Reimbursement Paid To Other Org0ReimbursementPaidToOtherOrgInd
Reimbursement Paid By Other Org0ReimbursementPaidByOtherOrgInd
Transfer To Other Org0TransferToOtherOrgInd
Transfer From Other Org0TransferFromOtherOrgInd

Transactions Related Org TransactionsRelatedOrgGrp (3 entries)

Transaction TypeTransactionTypeTxtInvolvedInvolvedAmtMethod Of Amount DeterminationMethodOfAmountDeterminationTxt
EL PASO CREDIT UNION HOAP INC
L
EL PASO CREDIT UNION HOAP INC
N
EL PASO CREDIT UNION HOAP INC
O$215,266AMOUNTS PAID