TRUWEST CREDIT UNION: Form 990, tax year 2018

View the entire original 990 at ProPublica ↗

Organization: TRUWEST CREDIT UNION (EIN 86-6050959)
Tax period: 2018-01-01 to 2018-12-31
Filed: 2019-10-10
IRS object ID: 201902839349301005
Schema version: 2018v3.1
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
Form 990
Schedule D
Schedule I
Schedule J
Schedule O

Return header ReturnHeader

Field	Value	IRS element (for citing)
Return	2019-10-10T11:47:34-05:00	ReturnTs
Tax Period End	2018-12-31	TaxPeriodEndDt

Preparer Firm PreparerFirmGrp

Field	Value	IRS element (for citing)
Preparer Firm EIN	410746749	PreparerFirmEIN

Preparer Firm Name PreparerFirmName

Field	Value	IRS element (for citing)
Business Name Line1	CLIFTONLARSONALLEN LLP	BusinessNameLine1Txt

Preparer US Address PreparerUSAddress

Field	Value	IRS element (for citing)
Address Line1	20 E THOMAS RD STE 2300	AddressLine1Txt
City	PHOENIX	CityNm
State Abbreviation	AZ	StateAbbreviationCd
ZIP	85012	ZIPCd

Field	Value	IRS element (for citing)
Return Type	990	ReturnTypeCd
Tax Period Begin	2018-01-01	TaxPeriodBeginDt

Filer Filer

Field	Value	IRS element (for citing)
EIN	866050959	EIN

Business Name BusinessName

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

Field	Value	IRS element (for citing)
Business Name Control	TRUW	BusinessNameControlTxt
Phone	6026292062	PhoneNum

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	1667 N PRIEST DRIVE	AddressLine1Txt
City	TEMPE	CityNm
State Abbreviation	AZ	StateAbbreviationCd
ZIP	85281	ZIPCd

Business Officer BusinessOfficerGrp

Field	Value	IRS element (for citing)
Person	MICHAEL WARD	PersonNm
Person Title	SR VP & CFO	PersonTitleTxt
Phone	6026292062	PhoneNum
Signature	2019-10-09	SignatureDt
Discuss With Paid Preparer	Yes (1)	DiscussWithPaidPreparerInd

Preparer Person PreparerPersonGrp

Field	Value	IRS element (for citing)
Preparer Person	MARY C GREEN	PreparerPersonNm
PTIN	P00447183	PTIN
Phone	6022662248	PhoneNum

Filing Security Information FilingSecurityInformation

IP Address IPAddress

Field	Value	IRS element (for citing)
I Pv4 Address	67.137.57.251	IPv4AddressTxt

Field	Value	IRS element (for citing)
IP	2019-10-09	IPDt
IP Tm	11:16:15	IPTm
IP Timezone	US	IPTimezoneCd
Filing License Type	P	FilingLicenseTypeCd
At Submission Creation Device Id	FD94BE241EB30D59D427851B854338419E5FBD2E	AtSubmissionCreationDeviceId
At Submission Filing Device Id	C886C6DF3866C97A155E85B4DBD95EC73AF8A20D	AtSubmissionFilingDeviceId

Field	Value	IRS element (for citing)
Tax	2018	TaxYr
Build TS	2019-02-21 02:37:17Z	BuildTS

Form 990 IRS990

Field	Value	IRS element (for citing)
Principal Officer	ALAN ALTHOUSE	PrincipalOfficerNm

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	1667 N PRIEST DRIVE	AddressLine1Txt
City	TEMPE	CityNm
State Abbreviation	AZ	StateAbbreviationCd
ZIP	85281	ZIPCd

Field	Value	IRS element (for citing)
Gross Receipts	$62,840,459	GrossReceiptsAmt
Group Return For Affiliates	0	GroupReturnForAffiliatesInd
Organization501c	Yes (X)	Organization501cInd
Website Address	WWW.TRUWEST.ORG	WebsiteAddressTxt
Type Of Organization Corp	Yes (X)	TypeOfOrganizationCorpInd
Formation	1952	FormationYr
Legal Domicile State	AZ	LegalDomicileStateCd
Activity Or Mission	A COOPERATIVE PROVIDING FINANCIAL SOLUTIONS SO MEMBERS CAN ACHIEVE THEIR GOALS.	ActivityOrMissionDesc
Voting Members Governing Body	9	VotingMembersGoverningBodyCnt
Voting Members Independent	9	VotingMembersIndependentCnt
Total Employee	300	TotalEmployeeCnt
Total Volunteers	14	TotalVolunteersCnt
Total Gross UBI	$192,775	TotalGrossUBIAmt
Net Unrelated Bus Txbl Incm	$0	NetUnrelatedBusTxblIncmAmt
PY Contributions Grants	$0	PYContributionsGrantsAmt
CY Contributions Grants	$0	CYContributionsGrantsAmt
PY Program Service Revenue	$52,548,296	PYProgramServiceRevenueAmt
CY Program Service Revenue	$59,871,610	CYProgramServiceRevenueAmt
PY Investment Income	$3,994,477	PYInvestmentIncomeAmt
CY Investment Income	$2,768,117	CYInvestmentIncomeAmt
PY Other Revenue	$273,496	PYOtherRevenueAmt
CY Other Revenue	$160,258	CYOtherRevenueAmt
PY Total Revenue	$56,816,269	PYTotalRevenueAmt
CY Total Revenue	$62,799,985	CYTotalRevenueAmt
PY Grants And Similar Paid	$17,500	PYGrantsAndSimilarPaidAmt
CY Grants And Similar Paid	$20,000	CYGrantsAndSimilarPaidAmt
PY Benefits Paid To Members	$2,212,332	PYBenefitsPaidToMembersAmt
CY Benefits Paid To Members	$4,293,355	CYBenefitsPaidToMembersAmt
PY Salaries Comp Emp Bnft Paid	$21,902,414	PYSalariesCompEmpBnftPaidAmt
CY Salaries Comp Emp Bnft Paid	$24,153,035	CYSalariesCompEmpBnftPaidAmt
PY Total Prof Fndrsng Expns	$0	PYTotalProfFndrsngExpnsAmt
CY Total Prof Fndrsng Expns	$0	CYTotalProfFndrsngExpnsAmt
CY Total Fundraising Expense	$0	CYTotalFundraisingExpenseAmt
PY Other Expenses	$27,864,986	PYOtherExpensesAmt
CY Other Expenses	$26,206,208	CYOtherExpensesAmt
PY Total Expenses	$51,997,232	PYTotalExpensesAmt
CY Total Expenses	$54,672,598	CYTotalExpensesAmt
PY Revenues Less Expenses	$4,819,037	PYRevenuesLessExpensesAmt
CY Revenues Less Expenses	$8,127,387	CYRevenuesLessExpensesAmt
Total Assets BOY	$1,030,167,948	TotalAssetsBOYAmt
Total Assets EOY	$1,152,658,837	TotalAssetsEOYAmt
Total Liabilities BOY	$923,462,437	TotalLiabilitiesBOYAmt
Total Liabilities EOY	$1,038,562,326	TotalLiabilitiesEOYAmt
Net Assets Or Fund Balances BOY	$106,705,511	NetAssetsOrFundBalancesBOYAmt
Net Assets Or Fund Balances EOY	$114,096,511	NetAssetsOrFundBalancesEOYAmt
Info In Schedule O Part III	Yes (X)	InfoInScheduleOPartIIIInd
Mission	A COOPERATIVE PROVIDING FINANCIAL SOLUTIONS SO MEMBERS CAN ACHIEVE THEIR GOALS.	MissionDesc
Significant New Program Srvc	Yes (1)	SignificantNewProgramSrvcInd
Significant Change	0	SignificantChangeInd
Desc	THE CREDIT UNION PROVIDES ITS MEMBER-OWNERS LOW COST FINANCIAL SERVICES INCLUDING FINANCIAL PLANNING.	Desc
Described In Section501c3	0	DescribedInSection501c3Ind
Schedule B Required	0	ScheduleBRequiredInd
Political Campaign Acty	0	PoliticalCampaignActyInd
Subject To Proxy Tax	0	SubjectToProxyTaxInd
Donor Advised Fund	0	DonorAdvisedFundInd
Conservation Easements	0	ConservationEasementsInd
Collections Of Art	0	CollectionsOfArtInd
Credit Counseling	0	CreditCounselingInd
Temp Or Permanent Endowments	0	TempOrPermanentEndowmentsInd
Report Land Building Equipment	Yes (1)	ReportLandBuildingEquipmentInd
Report Investments Other Sec	0	ReportInvestmentsOtherSecInd
Report Program Related Invst	0	ReportProgramRelatedInvstInd
Report Other Assets	0	ReportOtherAssetsInd
Report Other Liabilities	Yes (1)	ReportOtherLiabilitiesInd
Include FIN48 Footnote	Yes (1)	IncludeFIN48FootnoteInd
Independent Audit Fincl Stmt	Yes (1)	IndependentAuditFinclStmtInd
Consolidated Audit Fincl Stmt	0	ConsolidatedAuditFinclStmtInd
School Operating	0	SchoolOperatingInd
Foreign Office	0	ForeignOfficeInd
Foreign Activities	0	ForeignActivitiesInd
More Than5000 K To Org	0	MoreThan5000KToOrgInd
More Than5000 K To Individuals	0	MoreThan5000KToIndividualsInd
Professional Fundraising	0	ProfessionalFundraisingInd
Fundraising Activities	0	FundraisingActivitiesInd
Gaming Activities	0	GamingActivitiesInd
Operate Hospital	0	OperateHospitalInd
Grants To Organizations	0	GrantsToOrganizationsInd
Grants To Individuals	Yes (1)	GrantsToIndividualsInd
Schedule J Required	Yes (1)	ScheduleJRequiredInd
Tax Exempt Bonds	0	TaxExemptBondsInd
Loan Outstanding	0	LoanOutstandingInd
Grant To Related Person	0	GrantToRelatedPersonInd
Business Rln With Org Mem	0	BusinessRlnWithOrgMemInd
Business Rln With Fam Mem	0	BusinessRlnWithFamMemInd
Business Rln With Officer Ent	0	BusinessRlnWithOfficerEntInd
Deductible Non Cash Contri	0	DeductibleNonCashContriInd
Deductible Art Contribution	0	DeductibleArtContributionInd
Terminate Operations	0	TerminateOperationsInd
Partial Liquidation	0	PartialLiquidationInd
Disregarded Entity	0	DisregardedEntityInd
Related Entity	0	RelatedEntityInd
Related Organization Ctrl Ent	0	RelatedOrganizationCtrlEntInd
Activities Conducted Prtshp	0	ActivitiesConductedPrtshpInd
Schedule O Required	Yes (1)	ScheduleORequiredInd
IRP Document	24015	IRPDocumentCnt
IRP Document W2 G	0	IRPDocumentW2GCnt
Employee	300	EmployeeCnt
Employment Tax Returns Filed	Yes (1)	EmploymentTaxReturnsFiledInd
Unrelated Bus Incm Over Limit	Yes (1)	UnrelatedBusIncmOverLimitInd
Form990 T Filed	Yes (1)	Form990TFiledInd
Foreign Financial Account	0	ForeignFinancialAccountInd
Prohibited Tax Shelter Trans	0	ProhibitedTaxShelterTransInd
Taxable Party Notification	0	TaxablePartyNotificationInd
Nondeductible Contributions	0	NondeductibleContributionsInd
Indoor Tanning Services	0	IndoorTanningServicesInd
Subj To Tax Rmnrtn Ex Prcht Pymt	0	SubjToTaxRmnrtnExPrchtPymtInd
Subject To Excs Tax Net Invst Inc	0	SubjectToExcsTaxNetInvstIncInd
Info In Schedule O Part VI	Yes (X)	InfoInScheduleOPartVIInd
Governing Body Voting Members	9	GoverningBodyVotingMembersCnt
Independent Voting Member	9	IndependentVotingMemberCnt
Family Or Business Rln	0	FamilyOrBusinessRlnInd
Delegation Of Mgmt Duties	0	DelegationOfMgmtDutiesInd
Change To Org Documents	0	ChangeToOrgDocumentsInd
Material Diversion Or Misuse	0	MaterialDiversionOrMisuseInd
Members Or Stockholders	Yes (1)	MembersOrStockholdersInd
Election Of Board Members	Yes (1)	ElectionOfBoardMembersInd
Decisions Subject To Approva	Yes (1)	DecisionsSubjectToApprovaInd
Minutes Of Governing Body	Yes (1)	MinutesOfGoverningBodyInd
Minutes Of Committees	Yes (1)	MinutesOfCommitteesInd
Officer Mailing Address	0	OfficerMailingAddressInd
Local Chapters	Yes (1)	LocalChaptersInd
Policies Reference Chapters	Yes (1)	PoliciesReferenceChaptersInd
Form990 Provided To Gvrn Body	Yes (1)	Form990ProvidedToGvrnBodyInd
Conflict Of Interest Policy	Yes (1)	ConflictOfInterestPolicyInd
Annual Disclosure Covered Prsn	Yes (1)	AnnualDisclosureCoveredPrsnInd
Regular Monitoring Enfrc	Yes (1)	RegularMonitoringEnfrcInd
Whistleblower Policy	Yes (1)	WhistleblowerPolicyInd
Document Retention Policy	Yes (1)	DocumentRetentionPolicyInd
Compensation Process CEO	Yes (1)	CompensationProcessCEOInd
Compensation Process Other	Yes (1)	CompensationProcessOtherInd
Investment In Joint Venture	0	InvestmentInJointVentureInd
Upon Request	Yes (X)	UponRequestInd

Books In Care Of Detail BooksInCareOfDetail

Business Name BusinessName

Field	Value	IRS element (for citing)
Business Name Line1	MICHAEL WARD	BusinessNameLine1Txt

Field	Value	IRS element (for citing)
Phone	6026292063	PhoneNum

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	1667 N PRIEST DRIVE	AddressLine1Txt
City	TEMPE	CityNm
State Abbreviation	AZ	StateAbbreviationCd
ZIP	85281	ZIPCd

Form990 Part VII Section A Form990PartVIISectionAGrp (21 entries)

TitleTitleTxt	Average Hours Per WeekAverageHoursPerWeekRt	Individual Trustee Or DirectorIndividualTrusteeOrDirectorInd	OfficerOfficerInd	Reportable Comp From OrgReportableCompFromOrgAmt	Reportable Comp From Rltd OrgReportableCompFromRltdOrgAmt	Other CompensationOtherCompensationAmt	Highest Compensated EmployeeHighestCompensatedEmployeeInd
THOMAS CUMMISKEY
CHAIRMAN	20.00	Yes (X)	Yes (X)	$14,475	$0	$0
RICK O'CONNOR
VICE CHAIRMAN	4.00	Yes (X)	Yes (X)	$10,225	$0	$0
SCOTT JOHS
TREASURER	6.00	Yes (X)	Yes (X)	$11,100	$0	$0
MIKE VASCO
SECRETARY	4.00	Yes (X)	Yes (X)	$7,800	$0	$0
JEFF HOMER
DIRECTOR	4.00	Yes (X)		$7,425	$0	$0
JEFFREY MYERS
DIRECTOR (RESIGNED 4/18)	4.00	Yes (X)		$1,800	$0	$0
DAVID PRECHTEL
DIRECTOR	4.00	Yes (X)		$7,875	$0	$0
TIM NIESZ
DIRECTOR	4.00	Yes (X)		$10,350	$0	$0
MIKE MOULTON
DIRECTOR	4.00	Yes (X)		$9,000	$0	$0
DAVE HOLODY
DIRECTOR	4.00	Yes (X)		$5,625	$0	$0
ALAN ALTHOUSE
PRESIDENT & CEO	40.00		Yes (X)	$413,341	$0	$144,460
GARY BERNARD
EVP CHIEF OPERATIONS OFFICER	40.00		Yes (X)	$482,614	$0	$169,410
FRED FARBOD
SVP CHIEF LENDING OFFICER	40.00		Yes (X)	$266,008	$0	$125,086
CHRIS KEARNEY
SVP CHIEF INFORMATION OFFICER	40.00		Yes (X)	$229,792	$0	$114,485
JEFF PEABODY
SVP CHIEF MARKETING OFFICER	40.00		Yes (X)	$229,503	$0	$87,971
MICHAEL WARD
SVP CHIEF FINANCIAL OFFICER	40.00		Yes (X)	$179,447	$0	$24,883
BRENT CATTANI
FINANCIAL ADVISOR II	40.00			$301,983	$0	$37,299	Yes (X)
KATHERINE SCIASCIA
MORTGAGE LOAN ORIGINATOR	40.00			$346,589	$0	$37,175	Yes (X)
KATHLEEN HOFFMAN
MORTGAGE LOAN ORIGINATOR	40.00			$230,402	$0	$27,346	Yes (X)
EDWARD M PORTNOFF
MORTGAGE LOAN OFFICER	40.00			$310,446	$0	$27,070	Yes (X)
KELLY ARGALL
MORTGAGE LOAN OFFICER	40.00			$239,316	$0	$27,304	Yes (X)

Field	Value	IRS element (for citing)
Total Reportable Comp From Org	$3,315,116	TotalReportableCompFromOrgAmt
Tot Reportable Comp Rltd Org	$0	TotReportableCompRltdOrgAmt
Total Other Compensation	$822,489	TotalOtherCompensationAmt
Indiv Rcvd Greater Than100 K	32	IndivRcvdGreaterThan100KCnt
Former Ofcr Employees Listed	0	FormerOfcrEmployeesListedInd
Total Comp Greater Than150 K	Yes (1)	TotalCompGreaterThan150KInd
Compensation From Other Srcs	0	CompensationFromOtherSrcsInd

Contractor Compensation ContractorCompensationGrp (5 entries)

Address Line1ContractorAddress/USAddress/AddressLine1Txt	CityContractorAddress/USAddress/CityNm	State AbbreviationContractorAddress/USAddress/StateAbbreviationCd	ZIPContractorAddress/USAddress/ZIPCd	ServicesServicesDesc	CompensationCompensationAmt
VISA USA INC
PO BOX 742233	LOS ANGELES	CA	90074	CREDIT & DEBIT CARD SERVICES	$1,599,482
ACKER ADVERTISING LLC
4960 S GILBERT RD STE 1-523	CHANDLER	AZ	85249	ADVERTISING FOR MARKETING	$721,525
FISERV
19935 E WALNUT DR N	WALNUT	CA	91789	CORE PROCESSING SYSTEM	$634,964
NEXTNET PARTNERS LLC
7855 SOUTH RIVER PARKWAY STE 121	TEMPE	AZ	85248	NETWORK HARDWARE & PROFESSIONAL SERVICES	$532,043
APPRAISAL TEK
4115 E VALLEY AUTO DRIVE SUITE 106	MESA	AZ	85206	LOAN APPRAISALS	$335,120

Field	Value	IRS element (for citing)
Cntrct Rcvd Greater Than100 K	26	CntrctRcvdGreaterThan100KCnt

Program Service Revenue ProgramServiceRevenueGrp (5 entries)

DescDesc	BusinessBusinessCd	Total Revenue ColumnTotalRevenueColumnAmt	Related Or Exempt Func IncomeRelatedOrExemptFuncIncomeAmt	Unrelated Business RevenueUnrelatedBusinessRevenueAmt
LOAN INTEREST INCOME	522100	$44,187,605	$44,187,605
FEES AND CHARGES	522100	$12,955,883	$12,763,108	$192,775
WEALTH MANAGEMENT COMMISSIONS	522100	$2,100,126	$2,100,126
SHARE INSURANCE DISTRIBUTION INCO	522100	$611,475	$611,475
CREDIT LIFE AND DISABILITY INCOME	522100	$16,521	$16,521

Field	Value	IRS element (for citing)
Total Program Service Revenue	$59,871,610	TotalProgramServiceRevenueAmt

Investment Income InvestmentIncomeGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$2,798,591	TotalRevenueColumnAmt
Exclusion	$2,798,591	ExclusionAmt

Royalties Revenue RoyaltiesRevenueGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$61,463	TotalRevenueColumnAmt
Exclusion	$61,463	ExclusionAmt

Gross Amount Sales Assets GrossAmountSalesAssetsGrp

Field	Value	IRS element (for citing)
Other	$10,000	OtherAmt

Less Cost Oth Basis Sales Expnss LessCostOthBasisSalesExpnssGrp

Field	Value	IRS element (for citing)
Other	$40,474	OtherAmt

Gain Or Loss GainOrLossGrp

Field	Value	IRS element (for citing)
Other	-$30,474	OtherAmt

Net Gain Or Loss Investments NetGainOrLossInvestmentsGrp

Field	Value	IRS element (for citing)
Total Revenue Column	-$30,474	TotalRevenueColumnAmt
Exclusion	-$30,474	ExclusionAmt

Miscellaneous Revenue MiscellaneousRevenueGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$98,795	TotalRevenueColumnAmt
Exclusion	$98,795	ExclusionAmt

Field	Value	IRS element (for citing)
Other Revenue Total	$98,795	OtherRevenueTotalAmt

Total Revenue TotalRevenueGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$62,799,985	TotalRevenueColumnAmt
Related Or Exempt Func Income	$59,678,835	RelatedOrExemptFuncIncomeAmt
Unrelated Business Revenue	$192,775	UnrelatedBusinessRevenueAmt
Exclusion	$2,928,375	ExclusionAmt

Field	Value	IRS element (for citing)
Info In Schedule O Part IX	Yes (X)	InfoInScheduleOPartIXInd

Grants To Domestic Individuals GrantsToDomesticIndividualsGrp

Field	Value	IRS element (for citing)
Total	$20,000	TotalAmt

Benefits To Members BenefitsToMembersGrp

Field	Value	IRS element (for citing)
Total	$4,293,355	TotalAmt

Comp Current Ofcr Directors CompCurrentOfcrDirectorsGrp

Field	Value	IRS element (for citing)
Total	$2,552,675	TotalAmt

Other Salaries And Wages OtherSalariesAndWagesGrp

Field	Value	IRS element (for citing)
Total	$17,632,346	TotalAmt

Pension Plan Contributions PensionPlanContributionsGrp

Field	Value	IRS element (for citing)
Total	$406,371	TotalAmt

Other Employee Benefits OtherEmployeeBenefitsGrp

Field	Value	IRS element (for citing)
Total	$2,261,042	TotalAmt

Payroll Taxes PayrollTaxesGrp

Field	Value	IRS element (for citing)
Total	$1,300,601	TotalAmt

Fees For Services Legal FeesForServicesLegalGrp

Field	Value	IRS element (for citing)
Total	$492,212	TotalAmt

Fees For Services Accounting FeesForServicesAccountingGrp

Field	Value	IRS element (for citing)
Total	$51,799	TotalAmt

Fees For Services Other FeesForServicesOtherGrp

Field	Value	IRS element (for citing)
Total	$5,494,540	TotalAmt

Advertising AdvertisingGrp

Field	Value	IRS element (for citing)
Total	$1,685,641	TotalAmt

Office Expenses OfficeExpensesGrp

Field	Value	IRS element (for citing)
Total	$629,311	TotalAmt

Information Technology InformationTechnologyGrp

Field	Value	IRS element (for citing)
Total	$3,894,218	TotalAmt

Occupancy OccupancyGrp

Field	Value	IRS element (for citing)
Total	$2,813,688	TotalAmt

Travel TravelGrp

Field	Value	IRS element (for citing)
Total	$116,481	TotalAmt

Conferences Meetings ConferencesMeetingsGrp

Field	Value	IRS element (for citing)
Total	$271,438	TotalAmt

Interest InterestGrp

Field	Value	IRS element (for citing)
Total	$843,315	TotalAmt

Depreciation Depletion DepreciationDepletionGrp

Field	Value	IRS element (for citing)
Total	$1,899,710	TotalAmt

Insurance InsuranceGrp

Field	Value	IRS element (for citing)
Total	$98,620	TotalAmt

Other Expenses OtherExpensesGrp (4 entries)

DescDesc	TotalTotalAmt
PROVISION FOR LOAN LOSS	$3,759,972
ACCOUNT PROCESSING	$1,270,801
ATM SERVICE COSTS	$1,118,918
OTHER STAFF EXPENSES	$931,557

All Other Expenses AllOtherExpensesGrp

Field	Value	IRS element (for citing)
Total	$833,987	TotalAmt

Total Functional Expenses TotalFunctionalExpensesGrp

Field	Value	IRS element (for citing)
Total	$54,672,598	TotalAmt

Cash Non Interest Bearing CashNonInterestBearingGrp

Field	Value	IRS element (for citing)
BOY	$9,437,655	BOYAmt
EOY	$11,622,424	EOYAmt

Savings And Temp Cash Invst SavingsAndTempCashInvstGrp

Field	Value	IRS element (for citing)
BOY	$48,325,199	BOYAmt
EOY	$61,052,195	EOYAmt

Oth Notes Loans Receivable Net OthNotesLoansReceivableNetGrp

Field	Value	IRS element (for citing)
BOY	$895,676,936	BOYAmt
EOY	$1,013,244,201	EOYAmt

Prepaid Expenses Defrd Charges PrepaidExpensesDefrdChargesGrp

Field	Value	IRS element (for citing)
BOY	$3,140,480	BOYAmt
EOY	$3,170,799	EOYAmt

Field	Value	IRS element (for citing)
Land Bldg Equip Cost Or Other Bss	$38,366,689	LandBldgEquipCostOrOtherBssAmt
Land Bldg Equip Accum Deprec	$18,536,411	LandBldgEquipAccumDeprecAmt

Land Bldg Equip Basis Net LandBldgEquipBasisNetGrp

Field	Value	IRS element (for citing)
BOY	$20,996,864	BOYAmt
EOY	$19,830,278	EOYAmt

Investments Pub Traded Sec InvestmentsPubTradedSecGrp

Field	Value	IRS element (for citing)
BOY	$7,425,085	BOYAmt
EOY	$3,856,792	EOYAmt

Investments Other Securities InvestmentsOtherSecuritiesGrp

Field	Value	IRS element (for citing)
BOY	$10,524,459	BOYAmt
EOY	$7,172,455	EOYAmt

Other Assets Total OtherAssetsTotalGrp

Field	Value	IRS element (for citing)
BOY	$34,641,270	BOYAmt
EOY	$32,709,693	EOYAmt

Total Assets TotalAssetsGrp

Field	Value	IRS element (for citing)
BOY	$1,030,167,948	BOYAmt
EOY	$1,152,658,837	EOYAmt

Accounts Payable Accr Expnss AccountsPayableAccrExpnssGrp

Field	Value	IRS element (for citing)
BOY	$16,123,099	BOYAmt
EOY	$13,242,557	EOYAmt

Other Liabilities OtherLiabilitiesGrp

Field	Value	IRS element (for citing)
BOY	$907,339,338	BOYAmt
EOY	$1,025,319,769	EOYAmt

Total Liabilities TotalLiabilitiesGrp

Field	Value	IRS element (for citing)
BOY	$923,462,437	BOYAmt
EOY	$1,038,562,326	EOYAmt

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

Cap Stk Tr Prin Current Funds CapStkTrPrinCurrentFundsGrp

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

Pd In Cap Srpls Land Bldg Eqp Fund PdInCapSrplsLandBldgEqpFundGrp

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

Rtn Earn Endowment Incm Oth Fnds RtnEarnEndowmentIncmOthFndsGrp

Field	Value	IRS element (for citing)
BOY	$106,705,511	BOYAmt
EOY	$114,096,511	EOYAmt

Total Net Assets Fund Balance TotalNetAssetsFundBalanceGrp

Field	Value	IRS element (for citing)
BOY	$106,705,511	BOYAmt
EOY	$114,096,511	EOYAmt

Tot Liab Net Assets Fund Balance TotLiabNetAssetsFundBalanceGrp

Field	Value	IRS element (for citing)
BOY	$1,030,167,948	BOYAmt
EOY	$1,152,658,837	EOYAmt

Field	Value	IRS element (for citing)
Info In Schedule O Part XI	Yes (X)	InfoInScheduleOPartXIInd
Reconcilation Revenue Expnss	$8,127,387	ReconcilationRevenueExpnssAmt
Net Unrlzd Gains Losses Invst	-$674,409	NetUnrlzdGainsLossesInvstAmt
Other Changes In Net Assets	-$61,978	OtherChangesInNetAssetsAmt
Method Of Accounting Accrual	Yes (X)	MethodOfAccountingAccrualInd
Accountant Compile Or Review	0	AccountantCompileOrReviewInd
FS Audited	Yes (1)	FSAuditedInd

FS Audited Basis FSAuditedBasisGrp

Field	Value	IRS element (for citing)
Separate Basis Fincl Stmt	Yes (X)	SeparateBasisFinclStmtInd

Field	Value	IRS element (for citing)
Audit Committee	Yes (1)	AuditCommitteeInd
Federal Grant Audit Required	0	FederalGrantAuditRequiredInd

Schedule D IRS990ScheduleD

Land LandGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$10,200,730	OtherCostOrOtherBasisAmt
Book Value	$10,200,730	BookValueAmt

Buildings BuildingsGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$12,168,338	OtherCostOrOtherBasisAmt
Depreciation	$5,954,585	DepreciationAmt
Book Value	$6,213,753	BookValueAmt

Equipment EquipmentGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$15,724,246	OtherCostOrOtherBasisAmt
Depreciation	$12,581,826	DepreciationAmt
Book Value	$3,142,420	BookValueAmt

Other Land Buildings OtherLandBuildingsGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$273,375	OtherCostOrOtherBasisAmt
Book Value	$273,375	BookValueAmt

Field	Value	IRS element (for citing)
Total Book Value Land Buildings	$19,830,278	TotalBookValueLandBuildingsAmt

Other Liabilities Org OtherLiabilitiesOrgGrp (2 entries)

DescDesc	AmtAmt
DEFERRED COMPENSATION LIABILITY	$2,537,539
MEMBER DEPOSIT ACCOUNTS	$1,022,782,230

Field	Value	IRS element (for citing)
Total Liability	$1,025,319,769	TotalLiabilityAmt
Footnote Text	Yes (X)	FootnoteTextInd
Total Rev Etc Audited Fincl Stmt	$62,738,007	TotalRevEtcAuditedFinclStmtAmt
Other Revenue	-$61,978	OtherRevenueAmt
Revenue Not Reported	-$61,978	RevenueNotReportedAmt
Revenue Subtotal	$62,799,985	RevenueSubtotalAmt
Revenue Not Reported Fincl Stmt	$0	RevenueNotReportedFinclStmtAmt
Total Revenue Per Form990	$62,799,985	TotalRevenuePerForm990Amt
Tot Expns Etc Audited Fincl Stmt	$54,672,598	TotExpnsEtcAuditedFinclStmtAmt
Expenses Not Reported	$0	ExpensesNotReportedAmt
Expenses Subtotal	$54,672,598	ExpensesSubtotalAmt
Expenses Not Rpt Fincl Stmt	$0	ExpensesNotRptFinclStmtAmt
Total Expenses Per Form990	$54,672,598	TotalExpensesPerForm990Amt

Supplemental Information Detail SupplementalInformationDetail (2 entries)

Form And Line ReferenceFormAndLineReferenceDesc	ExplanationExplanationTxt
PART X, LINE 2:	THE CREDIT UNION EVALUATED ITS TAX POSITIONS AND DETERMINED NO UNCERTAIN TAX POSITIONS EXIST AS OF DECEMBER 31, 2018 AND 2017.
PART XI, LINE 2D - OTHER ADJUSTMENTS:	CHANGE IN VALUE OF DEFERRED COMPENSATION ASSETS -61,978.

Schedule I IRS990ScheduleI

Field	Value	IRS element (for citing)
Grant Records Maintained	Yes (1)	GrantRecordsMaintainedInd

Grants Other Asst To Indiv In US GrantsOtherAsstToIndivInUSGrp

Field	Value	IRS element (for citing)
Grant Type	SCHOLARSHIP	GrantTypeTxt
Recipient	8	RecipientCnt
Cash Grant	$20,000	CashGrantAmt

Supplemental Information Detail SupplementalInformationDetail

Field	Value	IRS element (for citing)
Form And Line Reference	PART I, LINE 2:	FormAndLineReferenceDesc
Explanation	THE CHECKS ARE ISSUED DIRECTLY TO THE INDIVIDUAL'S SCHOOL IN THE UNITED STATES.	ExplanationTxt

Schedule J IRS990ScheduleJ

Field	Value	IRS element (for citing)
Travel For Companions	Yes (X)	TravelForCompanionsInd
Written Policy Ref T And E Expnss	Yes (1)	WrittenPolicyRefTAndEExpnssInd
Substantiation Required	Yes (1)	SubstantiationRequiredInd
Compensation Committee	Yes (X)	CompensationCommitteeInd
Independent Consultant	Yes (X)	IndependentConsultantInd
Form990 Of Other Organizations	Yes (X)	Form990OfOtherOrganizationsInd
Compensation Survey	Yes (X)	CompensationSurveyInd
Board Or Committee Approval	Yes (X)	BoardOrCommitteeApprovalInd
Severance Payment	0	SeverancePaymentInd
Supplemental Nonqual Rtr Plan	Yes (1)	SupplementalNonqualRtrPlanInd
Equity Based Comp Arrngm	0	EquityBasedCompArrngmInd

Rltd Org Officer Trst Key Empl RltdOrgOfficerTrstKeyEmplGrp (11 entries)

TitleTitleTxt	Base Compensation Filing OrgBaseCompensationFilingOrgAmt	Compensation Based On Rltd OrgsCompensationBasedOnRltdOrgsAmt	Bonus Filing OrganizationBonusFilingOrganizationAmount	Bonus Related OrganizationsBonusRelatedOrganizationsAmt	Other Compensation Filing OrgOtherCompensationFilingOrgAmt	Other Compensation Rltd OrgsOtherCompensationRltdOrgsAmt	Deferred Compensation Flng OrgDeferredCompensationFlngOrgAmt	Deferred Comp Rltd OrgsDeferredCompRltdOrgsAmt	Nontaxable Benefits Filing OrgNontaxableBenefitsFilingOrgAmt	Nontaxable Benefits Rltd OrgsNontaxableBenefitsRltdOrgsAmt	Total Compensation Filing OrgTotalCompensationFilingOrgAmt	Total Compensation Rltd OrgsTotalCompensationRltdOrgsAmt	Comp Report Prior990 Filing OrgCompReportPrior990FilingOrgAmt	Comp Report Prior990 Rltd OrgsCompReportPrior990RltdOrgsAmt
ALAN ALTHOUSE
PRESIDENT & CEO	$351,950	$0	$57,000	$0	$4,391	$0	$130,292	$0	$14,168	$0	$557,801	$0	$0	$0
GARY BERNARD
EVP CHIEF OPERATIONS OFFICER	$402,354	$0	$80,260	$0	$0	$0	$149,846	$0	$19,564	$0	$652,024	$0	$0	$0
FRED FARBOD
SVP CHIEF LENDING OFFICER	$225,608	$0	$40,400	$0	$0	$0	$111,678	$0	$13,408	$0	$391,094	$0	$0	$0
CHRIS KEARNEY
SVP CHIEF INFORMATION OFFICER	$194,192	$0	$35,600	$0	$0	$0	$94,449	$0	$20,036	$0	$344,277	$0	$0	$0
JEFF PEABODY
SVP CHIEF MARKETING OFFICER	$196,203	$0	$33,300	$0	$0	$0	$74,504	$0	$13,467	$0	$317,474	$0	$0	$0
MICHAEL WARD
SVP CHIEF FINANCIAL OFFICER	$175,991	$0	$3,456	$0	$0	$0	$11,269	$0	$13,614	$0	$204,330	$0	$0	$0
BRENT CATTANI
FINANCIAL ADVISOR II	$291,983	$0	$10,000	$0	$0	$0	$17,875	$0	$19,424	$0	$339,282	$0	$0	$0
KATHERINE SCIASCIA
MORTGAGE LOAN ORIGINATOR	$332,746	$0	$13,843	$0	$0	$0	$17,875	$0	$19,300	$0	$383,764	$0	$0	$0
KATHLEEN HOFFMAN
MORTGAGE LOAN ORIGINATOR	$222,162	$0	$8,240	$0	$0	$0	$14,522	$0	$12,824	$0	$257,748	$0	$0	$0
EDWARD M PORTNOFF
MORTGAGE LOAN OFFICER	$294,666	$0	$15,780	$0	$0	$0	$16,500	$0	$10,570	$0	$337,516	$0	$0	$0
KELLY ARGALL
MORTGAGE LOAN OFFICER	$230,402	$0	$8,914	$0	$0	$0	$14,608	$0	$12,696	$0	$266,620	$0	$0	$0

Supplemental Information Detail SupplementalInformationDetail

Field	Value	IRS element (for citing)
Form And Line Reference	PART I, LINE 4B	FormAndLineReferenceDesc
Explanation	DEFERRED COMPENSATION PLAN [SECTION 457(F)] - THE CREDIT UNION HAS A NONQUALIFIED DEFERRED COMPENSATION PLAN FOR MEMBERS OF EXECUTIVE MANAGEMENT. THE FOLLOWING EMPLOYEES RECEIVED CONTRIBUTIONS TO THE PLAN DURING CALENDAR 2018. ALAN ALTHOUSE, PRESIDENT & CEO - $111,042 GARY BERNARD, CHIEF OPERATING OFFICER - $127,846 FRED FARBOD, CHIEF LENDING OFFICER - $91,902 CHRIS KEARNEY, CHIEF INFORMATION OFFICER - $78,725 JEFF PEABODY, CHIEF MARKETING OFFICER - $59,157	ExplanationTxt

Schedule O IRS990ScheduleO

Supplemental Information Detail SupplementalInformationDetail (10 entries)

Form And Line ReferenceFormAndLineReferenceDesc	ExplanationExplanationTxt
FORM 990, PART III, LINE 2	WE OPENED OUR SLAUGHTER LANE BRANCH IN JANUARY 2018. IT IS LOCATED AT 1824 W SLAUGHTER LANE SUITE 120 AUSTIN, TX 78748. WE ALSO ENTERED INTO A PARTNERSHIP WITH THE AMERICAN LUNG ASSOCIATION.
FORM 990, PART VI, SECTION A, LINE 6	MEMBERS OF THE CREDIT UNION INCLUDE ANY ACTIVE OR RETIRED EMPLOYEE OF THE CREDIT UNION'S COMMON BOND OF OCCUPATION EMPLOYEE GROUPS, THEIR SUBSIDIARIES AND THEIR JOINT VENTURE COMPANIES AND OTHER BUSINESS RELATIONSHIPS AS APPROVED BY THE BOARD AND THE DEPARTMENT OF FINANCIAL INSTITUTIONS MAY APPLY TO BECOME A MEMBER. ANY MEMBER OF THE CREDIT UNION'S COMMON BOND OF ASSOCIATIONS OR ORGANIZATIONS AS APPROVED BY THE BOARD AND DEPARTMENT OF FINANCIAL INSTITUTIONS MAY APPLY TO BECOME A MEMBER OF THE CREDIT UNION. ANY INDIVIDUAL THAT LIVES OR WORKS OR ANY BUSINESS LOCATED IN THE GEOGRAPHIC AREAS LISTED IN APPENDIX C OF THE BYLAWS AS APPROVED BY THE BOARD AND THE DEPARTMENT OF FINANCIAL INSTITUTIONS MAY APPLY TO BECOME A MEMBER. ANY MEMBER OF THE CREDIT UNION'S COMMON BOND OF INTEREST GROUPS AS APPROVED BY THE BOARD AND THE DEPARTMENT OF FINANCIAL INSTITUTIONS MAY APPLY TO BECOME A MEMBER.
FORM 990, PART VI, SECTION A, LINE 7A	THE MEMBERS OF THE CREDIT UNION ELECT THE GOVERNING BODY OF THE INSTITUTION.
FORM 990, PART VI, SECTION A, LINE 7B	CERTAIN DECISIONS SUCH AS MERGERS AND CONVERSIONS TO A DIFFERENT CHARTER TYPE REQUIRE MEMBERSHIP APPROVAL.
FORM 990, PART VI, SECTION B, LINE 11B	THE BOARD OF DIRECTORS RECEIVE A COPY OF THE RETURN PRIOR TO FILING.
FORM 990, PART VI, SECTION B, LINE 12C	THE CREDIT UNION REGULARLY MONITORS AND REVIEWS ACTIVITY OF THE ENTITY FOR POTENTIAL CONFLICTS. FOR EXAMPLE, ALL LOANS TO MEMBERS OF THE BOARD OF DIRECTORS ARE UNDERWRITTEN BY STAFF USING STANDARD UNDERWRITING GUIDELINES FOR ALL MEMBERS, WITH THE SAME RATES AND TERMS AVAILABLE TO ALL MEMBERS, AND THEN REPORTED TO AND RATIFIED BY THE FULL BOARD OF DIRECTORS.
FORM 990, PART VI, SECTION B, LINE 15	HRN MANAGEMENT IS A THIRD PARTY COMPANY THAT SPECIALIZES IN COMPENSATION. HRN GATHERS DATA FROM 700 CREDIT UNIONS ACROSS THE UNITED STATES AND DEVELOPS THE CREDIT UNION'S SALARY RANGES BASED ON COMPARABLE ASSET SIZE AND GEOGRAPHICAL LOCATION. THE CREDIT UNION ALSO UTILIZES A COMPENSATION CONSULTANT TO REVIEW THE CEO'S AND SENIOR LEADERSHIP TEAMS COMPENSATION.
FORM 990, PART VI, SECTION C, LINE 19	THE CREDIT UNION'S MONTHLY FINANCIAL STATEMENTS ARE DISPLAYED AT ALL THE BRANCH LOCATIONS, AUDITED FINANCIALS AND OTHER DOCUMENTS ARE MADE AVAILABLE UPON REQUEST.
FORM 990, PART IX, LINE 11G	CREDIT REPORTS 591,644. HOME EQUITY EXPENSES 652,351. LOAN EXPENSE OTHER 42,048. LOAN EXPENSE - 1ST MORTGAGE PROCESSING 521,123. MORTGAGE SALES EXPENSE 17,816. DEALER SALES EXPENSE 43,360. LOAN EXPENSE - EFT PHONE PAY 104,504. STUDENT LOAN EXPENSE 490. BUSINESS LOAN EXPENSE 65,960. BUSINESS DEVELOPMENT 1,811. VISA TRUREWARDS-BUSINESS PLATINUM POINTS 10,960. VISA SIGNATURE TRUEREWARDS 935,065. VISA PLATINUM TRUEREWARDS 156,467. DEBIT CARD EXPENSE 1,056,572. VISA SIGNATURE PROCESSING 465,315. VISA GOLD PROCESSING FEES 57,346. VISA PLATINUM PROCESSING FEES 130,731. VISA BUSINESS PROCESSING FEES 5,492. PLASTIC CARD FRAUD EXPENSE 233,367. MASTER CARD DEBIT FRAUD LOSSES 6,873. PROFESSIONAL CONSULTING SERVICES 395,245.
FORM 990, PART XI, LINE 9:	CHANGE IN DEFERRED COMPENSATION ASSETS -61,978.