2013-10-25T14:56:53-05:00 2012-12-31 741650885 PADGETT STRATEMANN & CO LLP 811 BARTON SPRINGS ROAD SUITE 550 AUSTIN TX 78704 990 2012-01-01 750796472 FORT WORTH COMMUNITY CREDIT UNION FORT 8178355000 PO BOX 210848 BEDFORD TX 76095 RICHARD HOWDESHELL 8178355000 2013-10-25 1 KEVIN FINCHER CPA P00291599 5124760717 2012 2016-02-25 16:41:14Z RICHARD HOWDESHELL PO BOX 210848 BEDFORD TX 76095 34096045 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 9 229 0 70849 -78860 0 0 32804970 33273489 1699728 710796 68782 -55530 34573480 33928755 0 0 0 0 10545616 11459386 0 0 0 21080580 19325493 31626196 30784879 2947284 3143876 757501021 789436536 688118765 716910404 69382256 72526132 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: VEHICLE, 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 18405 0 1 229 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 JANICE GRACZYK 2.00 X 1500 0 0 NEAL OLIVER 2.00 X 281 0 0 LEIGHTON WATERS 2.00 X X 1500 0 0 MICHAEL TALBOT 2.00 X 2901 0 0 HENRY CHRISTIANSEN 2.00 X X 0 0 0 KENNETH DOUGLAS 2.00 X 2709 0 0 STAN SPIVEY 2.00 X 1888 0 0 HERB SIMS 2.00 X X 0 0 0 MARCELLA BANKS 2.00 X 0 0 0 RICHARD HOWDESHELL 40.00 X 349586 0 45228 MICHAEL FRANKO 40.00 X 178378 0 31292 KYLE KOKE 40.00 X 163528 0 18688 DIANE DORSEY 40.00 X 152647 0 29608 ROCHELLE DRAKE 40.00 X 150032 0 18441 TAMMY TRUDELLE 40.00 X 154311 0 18715 MARC RHODES 40.00 X 157266 0 24099 CARL AUZENNE 40.00 X 133443 0 28169 JOHN BEARRIE 40.00 X 187325 0 29693 GINDA ABRAHAM 40.00 X 114814 0 14558 GRETCHEN MCGINNIS 40.00 X 108480 0 15400 1860589 0 273891 11 0 1 0 INTUIT FINANCIAL SERVICES PO BOX 515306 LOS ANGELES CA 900616606 WEBSITE 1013429 VANTIV 8500 GOVERNORS HILL DR SYMNES TOWNSHIP OH 45249 DEBIT/CREDIT CARD PROCESS 547716 XP SYSTEMS 75 REMITTANCE DR STE 6963 CHICAGO IL 606756963 SOFTWARE SERVICES 393346 LANVERA 13755 HUTTON DR STE 100 DALLAS TX 75234 MAIL PROCESSOR 347419 DIEBOLD INC PO BOX 643543 PITTSBURGH PA 152643543 BANKING EQUIPMENT 279153 9 INTEREST ON LOANS 522100 26273707 26273707 LOAN FEE INCOME 522100 4651948 4651948 MEMBER FEES & CHARGES 522100 2347834 2276985 70849 33273489 712935 712935 1651 1651 165151 167290 -2139 -2139 -2139 LOSS ON INVESTMENTS 522100 -57181 -57181 -57181 33928755 33857906 70849 0 1679460 7386337 432394 1344225 616970 2963295 19139 343520 1166836 1790689 1229910 174097 4651145 933519 260492 PROVISION FOR LOAN ASSE 2800000 LOAN SERVICING 1737518 NCUA INSURANCE/MEMBER I 647192 OPERATING FEE 529049 79092 30784879 2968303 3076244 140789724 111610263 936062 602453 507592500 576778602 1855978 1914687 30378819 9887398 20707351 20491421 76175139 68063612 48162 0 6427802 6899254 757501021 789436536 7546621 7896733 680572144 709013671 688118765 716910404 X 0 0 0 0 69382256 72526132 69382256 72526132 757501021 789436536 3143876 0 X X 0 1 X 1 0 5464584 5464584 16752907 3710968 13041939 427174 368233 58941 7689087 5770753 1918334 45067 37444 7623 20491421 MEMBER SHARES 709013671 709013671 PARTS XI AND XII: FINANCIAL STATEMENTS ARE CURRENTLY AUDITED THROUGH JUNE 30. X X 1 1 X X X X 0 0 0 RICHARD HOWDESHELL 309030 0 25256 0 15300 0 17500 0 27728 0 394814 0 0 0 MICHAEL FRANKO 160678 0 12784 0 4916 0 12110 0 19182 0 209670 0 0 0 KYLE KOKE 146896 0 14501 0 2131 0 11013 0 7675 0 182216 0 0 0 DIANE DORSEY 134715 0 11733 0 6199 0 10597 0 19011 0 182255 0 0 0 ROCHELLE DRAKE 136467 0 12814 0 751 0 10378 0 8063 0 168473 0 0 0 TAMMY TRUDELLE 136545 0 11890 0 5876 0 10430 0 8285 0 173026 0 0 0 MARC RHODES 135742 0 11869 0 9655 0 10693 0 13406 0 181365 0 0 0 JOHN BEARRIE 177010 0 9989 0 326 0 10520 0 19173 0 217018 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.