2014-05-05T13:41:19-07:00 2013-12-31 990 2013-01-01 756068277 MESQUITE CREDIT UNION MESQ 9722858951 1510 N GALLOWAY AVE MESQUITE TX 751492328 Raul Buentello Finance Officer 9722858951 2014-04-28 2013 2015-11-30 17:44:51Z X Jon M Arnold 1510 N Galloway Mesquite TX 751492328 1756671 0 X WWW.MESQUITECU.ORG X 1968 TX TRIFT INSTITUTION AND MEMBER OF THE NATIONAL CREDIT UNION ADMINISTRATION 7 7 13 7 21992 21992 0 0 1692201 1644188 74820 90491 28540 21992 1795561 1756671 0 0 0 0 687339 600115 0 0 0 1190695 1448562 1878034 2048677 -82473 -292006 34347784 33918785 31846344 31709351 2501440 2209434 X COOPERATIVE PROVIDER OF CREDIT UNION FINANCIAL SERVICES 0 0 0 MESQUITE CREDIT UNION SHARE ACCOUNTS OFFER ADVANTAGES TO MEMBERS OF ALL AGES. THE CREDIT UNION HAD 4769 MEMBER-OWNED SHARE ACCOUNTS ON DECEMBER 31, 2013. MEMBER SAVINGS ACCOUNTS PAY DIVIDENDS MONTHLY. MEMBERS ARE OFFERED HOME BANKING VIA THE INTERNET, ATM'S AND HOME 1ST LIEN AND HOME EQUITY LOANS. SHARE DRAFT ACCOUNTS PROVIDE MEMBERS WITH VARIOUS FEATURES. THESE FEATURES INCLUDE FREE CHECKING WITH ENHANCED BENEFITS. MOST OFFER DIVIDENDS WHICH ARE PAID MONTHLY. THE CREDIT UNION ALSO OFFERS FREE DEBIT CARDS, INTERNET ACCESS AND INTERNET BILLPAYER. MESQUITE CREDIT UNION OFFERS CONSUMER LOANS SUCH AS AUTOMOBILE LOANS, HOME EQUITY LOANS UNSECURED LOANS AND MORTGAGE HOME LOANS. CREDIT LIFE AND DISABILITY INSURANCE IS AVAILABLE ON ANY OF THESE LOAN TYPES. 0 0 0 0 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 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 1 3 0 0 13 1 1 1 0 0 0 0 0 X 7 7 1 0 0 1 1 1 0 1 1 0 0 0 1 1 1 1 1 0 0 0 X RAUL BUENTELLO 9722858951 1510 N GALLOWAY AVE MESQUITE TX 751492328 BILL METZGER CHAIRPERSON 1 0 X 0 0 0 KEITH SMITH VICE CHAIRPERSON 1 0 X 0 0 0 BRENDA REAMES SECRETARY 1 0 X 0 0 0 YVONNE MARTINEZ DIRECTOR 1 0 X 0 0 0 DAVID ROSEN DIRECTOR 1 0 X 0 0 0 SHIELA LAMETH TREASURER 0 0 X 0 0 0 JON M ARNOLD CEO 40 0 X 80777 0 0 MARY SMITH DIRECTOR 1 0 X 0 0 0 80777 0 0 0 0 0 0 FISERV 75 REMITTANCE DR SUITE 6962 CHICAGO IL 606756962 DATA PROCESSING 432712 0 0 INTEREST ON LOANS 522291 976013 976013 0 0 MEMBER FEES AND CHARGES 522100 638416 638416 0 0 LOAN FEE INCOME 522291 29759 29759 0 0 0 0 0 0 1644188 90491 0 0 90491 0 0 0 0 0 0 0 0 0 0 0 0 21992 0 21992 0 21992 1756671 1644188 21992 90491 X 80777 381866 9483 86343 41646 0 8800 13100 0 0 1061 38496 26029 181122 432712 0 79463 2910 0 -200 62280 0 75580 34695 PROVISION FOR LOAN LOSSES 141772 LOAN SERVICING 17488 MEMBER SERVICES 61216 ASSOCIATION DUES 13734 258304 2048677 0 0 0 440129 587654 16539903 16143740 0 0 0 0 0 0 0 0 15838334 16055823 0 0 94708 94021 2368779 1331232 1101817 1037547 332893 34347784 33918785 255114 153926 31591230 31555425 31846344 31709351 X 0 0 0 0 2501440 2209434 2501440 2209434 34347784 33918785 -292006 0 0 0 0 0 X 1 X 1 X 1 0 0 149263 149263 0 1298424 480181 818243 0 0 0 0 0 901860 833912 67948 0 19232 17139 2093 1037547 0 MEMBER DEPOSITS 31555425 31555425 Form 990, Part III, Line 1 COOPERATIVE PROVIDER OF CREDIT UNION FINANCIAL SERVICES. Form 990, Part III, Line 4a MESQUITE CREDIT UNION SHARE ACCOUNTS OFFER ADVANTAGES TO MEMBERS OF ALL AGES. THE CREDIT UNION HAD 4769 MEMBER-OWNED SHARE ACCOUNTS ON DECEMBER 31, 2013. MEMBER SAVINGS ACCOUNTS PAY DIVIDENDS MONTHLY. MEMBERS ARE OFFERED HOME BANKING VIA THE INTERNET, ATM'S AND AN ASSORTMENT OF SECURED AND UNSECURED LOANS. Form 990, Part III, Line 4b SHARE DRAFT ACCOUNTS PROVIDE MEMBERS WITH VARIOUS FEATURES. THESE FEATURES INCLUDE FREE CHECKING WITH ENHANCED BENEFITS. MOST OFFER DIVIDENDS WHICH ARE PAID MONTHLY. THE CREDIT UNION ALSO OFFERS FREE DEBIT CARDS, INTERNET ACCESS AND INTERNET BILL PAYER. Form 990, Part VI, Section A, Line 2 THE SPOUSE OF AN EXISTING BOARD MEMBER WAS APPOINTED TO FILL A VACANCY WHICH LASTED UNTIL THE ELECTION OF NEW BOARD MEMBERS, APPROXIMATELY 3 MONTHS. Form 990, Part VI, Section A, Line 5 A BANK RECONCILIATION ERROR RESULTED IN A WRITEOFF. Form 990, Part VI, Section A, Line 6 THE CREDIT UNION IS WONED BY ITS MEMBERS. THE MEMBERS VOTE FOR A GOVERNING BODY EACH YEAR. Form 990, Part VI, Section A, Line 7a EVERY YEAR THE CREDIT UNION HOLDS AN ANNUAL MEETING WHERE ALL MEMBERS ARE NOTIFIED AND MAY BE PRESENT. THE MEMBERS VOTE EACH YEAR FOR BOARD MEMBERS. Form 990, Part VI, Section B, Line 11b A COPY OF THE FORM 990 IS AVAILABLE FOR EACH MEMBER UPON REQUEST. ANY QUESTIONS FROM MEMBERS ARE DIRECTED TO THE CEO. FOLLOWUP RESPONSES ARE PROVIDED TO THE GOVERNING BODY. Form 990, Part VI, Section B, Line 12c ALL OFFICERS, DIRECTORS AND KEY EMPLOYEES ARE GIVEN CONFLICT OF INTEREST DISCLOSURE STATEMENTS. MONTHLY FINANCIAL STATEMENTS ARE AVAILABLE IN THE MAIN LOBBY. Form 990, Part VI, Section C, Line 19 MESQUITE CREDIT UNION MAKES ITS GOVERNING DOCUMENTS, CONFLICTS OF INTEREST POLICY AND FINANCIAL STATEMENTS AVAILABLE TO THE PUBLIC UPON REQUEST. MONTHLY FINANCIAL STATEMENTS ARE POSTED IN THE MAIN LOBBY OF THE CREDIT UNION. Form 990, Part IX, Line 24e A BANK RECONCILIATION ERROR RESULTED IN A CHARGEOFF IN THE AMOUNT OF 210,197 IN 2013.