2015-07-08T08:44:19-05:00 2014-12-31 741650885 PADGETT STRATEMANN & CO LLP 811 BARTON SPRINGS ROAD SUITE 550 AUSTIN TX 78704 990 2014-01-01 750796472 FORT WORTH COMMUNITY CREDIT UNION FORT 8178355000 PO BOX 210848 BEDFORD TX 76095 RICHARD HOWDESHELL CEO 8178355000 2015-07-08 1 KEVIN FINCHER CPA P00291599 5124760717 2014 2016-02-25 16:41:14Z RICHARD HOWDESHELL PO BOX 210848 BEDFORD TX 76095 36516469 0 X WWW.FTWCCU.ORG X 1940 TX THRIFT SAVINGS AND BORROWING FOR MEMBERS. THE CREDIT UNION IS REGULATED BY THE STATE OF TEXAS. THE 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 9 245 0 70907 -125478 0 0 32975129 32933365 204247 205743 21862 161480 33201238 33300588 0 0 0 0 11967349 12735660 0 0 0 18703156 19554744 30670505 32290404 2530733 1010184 819387901 815800970 744331036 739733921 75056865 76067049 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 17527 0 1 245 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 5188 0 0 JANICE GRACZYK BOARD MEMBER 2.00 X 2340 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 1804 0 0 MIKE TALBOT BOARD MEMBER/EMERITUS 2.00 X 767 0 0 TOM TIJERINA BOARD MEMBER 2.00 X 1959 0 0 LEIGHTON WATERS BOARD MEMBER-VICE CHAIRMAN 2.00 X X 2131 0 0 BENNIE CRUZ BOARD MEMBER 2.00 X 0 0 0 RICHARD HOWDESHELL PRESIDENT/CEO 40.00 X 408246 0 53935 MICHAEL FRANKO SR VP FINANCE 40.00 X 202485 0 33755 KYLE KOKE SR VP LENDING 40.00 X 190963 0 24284 DIANE DORSEY VP OPERATIONS 40.00 X 175598 0 31788 ROCHELLE DRAKE VP MARKETING 40.00 X 172945 0 19681 TAMMY TRUDELLE VP HUMAN RESOURCES 40.00 X 178116 0 20512 MARC RHODES VP SUPPORT SERVICES 40.00 X 180614 0 26235 CARL AUZENNE VP INFORMATION SERVICES 40.00 X 158795 0 30663 JOHN BEARRIE INVESTMENT CONSULTANT 40.00 X 238748 0 23164 GINDA ABRAHAM AVP ACCOUNTING 40.00 X 121343 0 15730 GRETCHEN MCGINNIS DIRECTOR OF INTERNAL AUDIT 40.00 X 125608 0 16507 VALERIE GROSSKURTH AVP FINANCIAL SERVICES 40.00 X 103204 0 27065 2270854 0 323319 12 0 1 0 DIGITAL INSIGHT (INTUIT) PO BOX 515306 LOS ANGELES CA 90051 WEBSITE 1225386 LANVERA 112 WRANGLER DR STE 150 COPPELL TX 75019 MAIL PROCESSOR 431814 VANTIV 8500 GOVERNORS HILLS DR SYMMES TOWNSHIP OH 45249 DEBIT/CREDIT CARD PROCESSOR 337133 FISERV (XP SYSTEMS) PO BOX 99924 GRAPEVINE TX 76099 SOFTWARE SERVICES 331507 DIEBOLD PO BOX 644399 PITTSBURG PA 15264 HARDWARE/MAINTENANCE 194034 12 INTEREST ON LOANS 522100 25144007 25144007 LOAN FEE INCOME 522100 5333908 5333908 MEMBER FEES & CHARGES 522100 2455450 2384543 70907 32933365 255904 255904 1269 1269 3165720 3215881 -50161 -50161 -50161 990-T REFUND 522100 129747 129747 GAIN ON INVESTMENTS 522100 56968 56968 LEGAL STATEMENT 522100 -86933 -86933 60429 60429 160211 33300588 33229681 70907 0 1922804 8112855 513434 1498804 687763 3420214 35063 377308 1161467 1968579 1229439 132539 3418712 1021763 235922 PROVISION FOR LOAN LOSS 4131000 LOAN SERVICING 1930341 MISCELLANEOUS EXPENSES 492397 32290404 3497500 3643339 76098606 95046248 1685781 1216172 654916180 672168110 1903033 1700023 32311281 10941142 21914749 21370139 52079081 12228826 7292971 8428113 819387901 815800970 6801854 7706557 737529182 732027364 744331036 739733921 X 0 0 0 0 75056865 76067049 75056865 76067049 819387901 815800970 1010184 0 X X 0 1 X 1 0 7553105 7553105 16752907 4549182 12203725 437821 391445 46376 7492402 5959485 1532917 75046 41030 34016 21370139 MEMBER SHARES 732027364 732027364 PART XI AND XII: FINANCIAL STATEMENTS ARE CURRENTLY AUDITED THROUGH JUNE 30, 2014. X X 1 1 X X X X 0 0 0 RICHARD HOWDESHELL PRESIDENT/CEO 362928 0 28305 0 17013 0 25038 0 28897 0 462181 0 0 0 MICHAEL FRANKO SR VP FINANCE 183630 0 13934 0 4921 0 13529 0 20226 0 236240 0 0 0 KYLE KOKE SR VP LENDING 169507 0 16100 0 5356 0 12111 0 12173 0 215247 0 0 0 DIANE DORSEY VP OPERATIONS 155524 0 15644 0 4430 0 11781 0 20007 0 207386 0 0 0 ROCHELLE DRAKE VP MARKETING 157871 0 13670 0 1404 0 11369 0 8312 0 192626 0 0 0 TAMMY TRUDELLE VP HUMAN RESOURCES 155659 0 12683 0 9774 0 11949 0 8563 0 198628 0 0 0 MARC RHODES VP SUPPORT SERVICES 156537 0 12787 0 11290 0 12132 0 14103 0 206849 0 0 0 CARL AUZENNE VP INFORMATION SERVICES 137888 0 14149 0 6758 0 10739 0 19924 0 189458 0 0 0 JOHN BEARRIE INVESTMENT CONSULTANT 226935 0 11183 0 630 0 14237 0 8927 0 261912 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 THE 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.