2014-08-04T16:06:30-05:00 2013-12-31 741650885 PADGETT STRATEMANN & CO LLP 811 BARTON SPRINGS ROAD SUITE 550 AUSTIN TX 78704 990 2013-01-01 750796472 FORT WORTH COMMUNITY CREDIT UNION FORT 8178355000 PO BOX 210848 BEDFORD TX 76095 RICHARD HOWDESHELL CEO 8178355000 2014-08-04 1 KEVIN FINCHER CPA P00291599 5124760717 2013 2015-11-30 17:44:51Z RICHARD HOWDESHELL PO BOX 210848 BEDFORD TX 76095 34130331 0 X WWW.FTWCCU.ORG X 1940 TX THRIFT SAVINGS AND BORROWING FOR MEMBERS. THE CREDIT UNION IS REGULATED BY THE STATE OF TEXAS CREDIT UNION DEPARTMENT AS WELL AS THE NATIONAL CREDIT UNION ADMINISTRATION. THE CREDIT UNION OFFERS PRODUCTS AND SERVICES IN FOUR PRIMARY AREAS: SHARE ACCOUNTS, CHECKING ACCOUNTS, CONSUMER LOANS AND REAL ESTATE LOANS. 9 9 232 0 67276 -97340 0 0 33273489 32975129 710796 204247 -55530 21862 33928755 33201238 0 0 0 0 11459386 11967349 0 0 0 19325493 18703156 30784879 30670505 3143876 2530733 789436536 819387901 716910404 744331036 72526132 75056865 X TO PROMOTE THRIFT SAVINGS AND BORROWING. 0 0 SHARE ACCOUNTS - OUR SHARE ACCOUNTS OFFER ADVANTAGES TO MEMBERS OF ALL AGES. MEMBER SAVINGS ACCOUNTS PAY DIVIDENDS QUARTERLY AND OFFER ACCESS THROUGH THE BRANCH NETWORK, HOME BANKING VIA THE INTERNET OR TELEPHONE AND ATM'S WORLDWIDE. SPECIAL SAVINGS ACCOUNTS DESIGNED FOR CHILDREN AND TEENAGERS ENCOURAGE THE DEVELOPMENT OF CONSISTENT SAVINGS HABITS. CHECKING ACCOUNTS - OUR CHECKING ACCOUNTS PROVIDE VARIOUS FEATURES FOR CONSUMERS, FROM FREE ACCOUNTS TO THOSE WITH ENHANCED BENEFITS. MOST OFFER DIVIDENDS THAT ARE PAID MONTHLY. ADDITIONALLY, THE CREDIT UNION EXTENDS THE REACH OF THOSE ACCOUNTS TO ALL MEMBERS WITH FREE DEBIT CARDS, INTERNET ACCOUNT ACCESS AND FREE USE OF THE INTERNET BILL PAYER PLATFORM. CONSUMER LOANS - OUR CONSUMER LOANS PROVIDE ALL TYPES OF LOANS. THE FOLLOWING TYPES OF LOANS ARE AVAILABLE: VEHICLES, RECREATIONAL VEHICLES, MORTGAGES, SIGNATURE, HOME EQUITY, CREDIT CARDS, SECURED LOANS, ETC. THE CREDIT UNION PROVIDES HOME EQUITY LOANS ALONG WITH MORTGAGE LOANS. 0 0 0 0 0 0 0 0 0 1 0 0 0 1 0 0 0 0 0 0 0 0 0 0 0 0 0 0 1 0 0 0 0 0 0 0 0 0 0 0 0 0 0 1 17539 0 1 232 1 1 1 0 0 0 0 0 X 9 9 0 0 0 0 1 1 0 1 1 0 1 1 0 0 0 1 1 0 0 X RICHARD HOWDESHELL 8178355000 1905 FOREST RIDGE DR BEDFORD TX 76021 MARCELLA BANKS BOARD MEMBER 2.00 X 0 0 0 HENRY CHRISTIANSEN BOARD MEMBER-SECRETARY-TREASURER 2.00 X X 5146 0 0 JANICE GRACZYK BOARD MEMBER 2.00 X 3344 0 0 NEAL OLIVER BOARD MEMBER 2.00 X 0 0 0 HERBERT SIMS BOARD MEMBER-CHAIRMAN 2.00 X X 0 0 0 STANLEY SPIVEY BOARD MEMBER 2.00 X 832 0 0 MIKE TALBOT BOARD MEMBER 2.00 X 2976 0 0 TOM TIJERINA BOARD MEMBER 2.00 X 1762 0 0 LEIGHTON WATERS BOARD MEMBER-VICE CHAIRMAN 2.00 X X 2040 0 0 KENNETH DOUGLAS FMR BOARD MEMBER 2.00 X 0 0 0 RICHARD HOWDESHELL PRESIDENT/CEO 40.00 X 372212 0 49892 MICHAEL FRANKO SR VP FINANCE 40.00 X 191940 0 32765 KYLE KOKE SR VP LENDING 40.00 X 180126 0 23561 DIANE DORSEY VP OPERATIONS 40.00 X 154874 0 30013 ROCHELLE DRAKE VP MARKETING 40.00 X 158225 0 18632 TAMMY TRUDELLE VP HUMAN RESOURCES 40.00 X 164879 0 19445 MARC RHODES VP SUPPORT SERVICES 40.00 X 165909 0 24849 CARL AUZENNE VP INFORMATION SERVICES 40.00 X 146882 0 29325 JOHN BEARRIE INVESTMENT CONSULTANT 40.00 X 201231 0 32799 GINDA ABRAHAM AVP ACCOUNTING 40.00 X 109196 0 14928 GRETCHEN MCGINNIS DIRECTOR OF INTERNAL AUDIT 40.00 X 114869 0 15664 1976443 0 291873 11 0 1 0 INTUIT FINANCIAL SERVICES PO BOX 515306 LOS ANGELES CA 900616606 WEBSITE 1019690 VANTIV 8500 GOVERNORS HILL DR SYMMES TOWNSHIP OH 45249 DEBIT/CREDIT CARD PROCESS 480337 LANVERA 112 WRANGLER DR STE 150 COPPELL TX 75019 MAIL PROCESSOR 384674 INTEGRATED MEDIA MANAGEMENT 330 DALZIEL RD LINDEN NJ 07036 TECHNOLOGY 270902 XP SYSTEMS 75 REMITTANCE DR STE 6963 CHICAGO IL 60675 SOFTWARE SERVICES 256260 13 INTEREST ON LOANS 522100 25487548 25487548 LOAN FEE INCOME 522100 5033701 5033701 MEMBER FEES & CHARGES 522100 2453880 2386604 67276 32975129 479289 479289 1346 1346 654051 929093 -275042 -275042 -275042 GAIN ON INVESTMENTS 522100 19305 19305 1211 1211 20516 33201238 33133962 67276 0 1779630 7672116 475270 1400010 640323 3051833 23570 335147 1137172 1843835 1212598 165972 3900846 982163 261364 PROVISION FOR LOAN LOSS 2809000 LOAN SERVICING 1817039 NCUA 558645 MISCELLANEOUS EXPENSES 516444 87528 30670505 3076244 3497500 111610263 76098606 602453 1685781 576778602 654916180 1914687 1903033 32752305 10837556 20491421 21914749 68063612 52079081 6899254 7292971 789436536 819387901 7896733 6801854 709013671 737529182 716910404 744331036 X 0 0 0 0 72526132 75056865 72526132 75056865 789436536 819387901 2530733 0 X X 0 1 X 1 0 7543142 7543142 16752907 4131289 12621618 427174 379750 47424 7958676 6277887 1680789 70406 48630 21776 21914749 MEMBER SHARES 737529182 737529182 PART XI AND XII: FINANCIAL STATEMENTS ARE CURRENTLY AUDITED THROUGH JUNE 30. X X 1 1 X X X X 0 0 0 RICHARD HOWDESHELL PRESIDENT/CEO 329764 0 26326 0 16122 0 21468 0 28424 0 422104 0 0 0 MICHAEL FRANKO SR VP FINANCE 168140 0 12985 0 10815 0 13158 0 19607 0 224705 0 0 0 KYLE KOKE SR VP LENDING 158391 0 14794 0 6941 0 11634 0 11927 0 203687 0 0 0 DIANE DORSEY VP OPERATIONS 142309 0 11873 0 692 0 10568 0 19445 0 184887 0 0 0 ROCHELLE DRAKE VP MARKETING 143964 0 12986 0 1275 0 10395 0 8237 0 176857 0 0 0 TAMMY TRUDELLE VP HUMAN RESOURCES 143092 0 12636 0 9151 0 10981 0 8464 0 184324 0 0 0 MARC RHODES VP SUPPORT SERVICES 143290 0 11960 0 10659 0 11144 0 13705 0 190758 0 0 0 CARL AUZENNE VP INFORMATION SERVICES 128960 0 11419 0 6503 0 10032 0 19293 0 176207 0 0 0 JOHN BEARRIE INVESTMENT CONSULTANT 190709 0 10146 0 376 0 13142 0 19657 0 234030 0 0 0 FORM 990, PART VI, SECTION A, LINE 6 THE CREDIT UNION HAS MEMBERS. FORM 990, PART VI, SECTION A, LINE 7A THE MEMBERS OF THE CREDIT UNION ELECT THE BOARD OF DIRECTORS. FORM 990, PART VI, SECTION B, LINE 11 RETURN IS REVIEWED BY THE AVP OF ACCOUNTING AND THE CEO OF THE CREDIT UNION. FORM 990, PART VI, SECTION B, LINE 15A THE COMPENSATION FOR THE CEO IS APPROVED BY THE BOARD AND A COMPENSATION COMMITTEE AND COMPENSATION SURVEY IS USED ALONG WITH A WRITTEN EMPLOYMENT CONTRACT. FORM 990, PART VI, SECTION C, LINE 19 THE CREDIT UNION DISPLAYS CURRENT FINANCIALS STATEMENTS AT EACH BRANCH. GOVERNING DOCUMENTS AND THE CONFLICT OF INTEREST POLICY ARE AVAILABLE UPON WRITTEN REQUEST. FORM 990, PART XII, LINE 2C THE CREDIT UNION HAS NOT CHANGED ITS OVERSIGHT OR SELECTION PROCESS.