A New Direction Credit Union: Form 990, tax year 2012

View the entire original 990 at ProPublica ↗

Organization: A New Direction Credit Union (EIN 75-1338668)
Tax period: 2012-01-01 to 2012-12-31
Filed: 2013-08-14
IRS object ID: 201332269349302663
Schema version: 2012v2.0
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 O

Return header ReturnHeader

Field	Value	IRS element (for citing)
Timestamp	2013-08-14T12:20:06-07:00	Timestamp
Tax Period End Date	2012-12-31	TaxPeriodEndDate

Preparer Firm PreparerFirm

Preparer Firm Business Name PreparerFirmBusinessName

Field	Value	IRS element (for citing)
Business Name Line1	John Fox Holt III	BusinessNameLine1

Preparer Firm US Address PreparerFirmUSAddress

Field	Value	IRS element (for citing)
Address Line1	6301 Gaston Ave Ste 420	AddressLine1
City	Dallas	City
State	TX	State
ZIP Code	752146231	ZIPCode

Field	Value	IRS element (for citing)
Return Type	990	ReturnType
Tax Period Begin Date	2012-01-01	TaxPeriodBeginDate

Filer Filer

Field	Value	IRS element (for citing)
EIN	751338668	EIN

Name Name

Field	Value	IRS element (for citing)
Business Name Line1	Texas Health Resources Credit Union	BusinessNameLine1

Field	Value	IRS element (for citing)
Name Control	TEXA	NameControl
Phone	2143613809	Phone

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	12770 Coit Rd Ste 100	AddressLine1
City	Dallas	City
State	TX	State
ZIP Code	75251	ZIPCode

Officer Officer

Field	Value	IRS element (for citing)
Name	Z Suzanne Chism	Name
Title	President	Title
Date Signed	2013-08-14	DateSigned
Authorize Third Party	true	AuthorizeThirdParty

Preparer Preparer

Field	Value	IRS element (for citing)
Name	John Fox Holt III	Name
PTIN	P00357243	PTIN
Phone	2148266911	Phone

Field	Value	IRS element (for citing)
Tax Year	2012	TaxYear
Build TS	2016-02-25 16:41:14Z	BuildTS

Form 990 IRS990

Field	Value	IRS element (for citing)
Gross Receipts	1334132	GrossReceipts
Group Return For Affiliates	false	GroupReturnForAffiliates
All Affiliates Included	false	AllAffiliatesIncluded
Group Exemption Number	2742	GroupExemptionNumber
Organization501c	X	Organization501c
Web Site	www.thrcu.com	WebSite
Type Of Organization Other	X	TypeOfOrganizationOther
Year Formation	1968	YearFormation
State Legal Domicile	TX	StateLegalDomicile
Activity Or Mission Description	Texas Health Resources Credit Union is a cooperative thrift institution chartered by the state of Texas and insured by the National Credit Union Administration (NCUA).	ActivityOrMissionDescription
Nbr Voting Members Governing Body	5	NbrVotingMembersGoverningBody
Nbr Independent Voting Members	4	NbrIndependentVotingMembers
Total Nbr Employees	6	TotalNbrEmployees
Total Nbr Volunteers	9	TotalNbrVolunteers
Total Gross UBI	136452	TotalGrossUBI
Net Unrelated Business Txbl Income	-8565	NetUnrelatedBusinessTxblIncome
Contributions Grants Current Year	0	ContributionsGrantsCurrentYear
Program Service Revenue Prior Year	1087256	ProgramServiceRevenuePriorYear
Program Service Revenue CY	1181095	ProgramServiceRevenueCY
Investment Income Prior Year	12909	InvestmentIncomePriorYear
Investment Income Current Year	16585	InvestmentIncomeCurrentYear
Other Revenue Prior Year	113798	OtherRevenuePriorYear
Other Revenue Current Year	136452	OtherRevenueCurrentYear
Total Revenue Prior Year	1213963	TotalRevenuePriorYear
Total Revenue Current Year	1334132	TotalRevenueCurrentYear
Grants And Similar Amnts CY	0	GrantsAndSimilarAmntsCY
Benefits Paid To Members CY	0	BenefitsPaidToMembersCY
Salaries Etc Prior Year	459150	SalariesEtcPriorYear
Salaries Etc Current Year	443141	SalariesEtcCurrentYear
Total Prof Fundrsng Exp CY	0	TotalProfFundrsngExpCY
Total Fundrsng Exp Current Year	0	TotalFundrsngExpCurrentYear
Other Expense Prior Year	749138	OtherExpensePriorYear
Other Expenses Current Year	797121	OtherExpensesCurrentYear
Total Expenses Prior Year	1208288	TotalExpensesPriorYear
Total Expenses Current Year	1240262	TotalExpensesCurrentYear
Revenues Less Expenses Prior Year	5675	RevenuesLessExpensesPriorYear
Revenues Less Expenses CY	93870	RevenuesLessExpensesCY
Total Assets BOY	13681710	TotalAssetsBOY
Total Assets EOY	14810662	TotalAssetsEOY
Total Liabilities BOY	12703368	TotalLiabilitiesBOY
Total Liabilities EOY	13738450	TotalLiabilitiesEOY
Net Assets Or Fund Balances BOY	978342	NetAssetsOrFundBalancesBOY
Net Assets Or Fund Balances EOY	1072212	NetAssetsOrFundBalancesEOY
Mission Description	Cooperative provider of credit union financial services	MissionDescription
Significant New Program Services	false	SignificantNewProgramServices
Significant Change	false	SignificantChange
Description	Texas Health Resources Credit Union offers a full array of products and services including depository and loan products, ATM/debit program, and insurance. We ended the year with 3,858 members/share accounts. In 2012, there were 670 new loans granted totaling $5,976,118. THRCU currently offers one branch location and a wide array of remote options through our cooperation with the Allpoint Network, Credit Union Service Center Network, and online banking offerings.	Description
Described In501 C3	false	DescribedIn501C3
Schedule B Required	false	ScheduleBRequired
Political Activities	false	PoliticalActivities
Lobbying Activities	false	LobbyingActivities
Subject To Proxy Tax	false	SubjectToProxyTax
Donor Advised Funds	false	DonorAdvisedFunds
Conservation Easements	false	ConservationEasements
Collections Of Art	false	CollectionsOfArt
Credit Counseling	false	CreditCounseling
Term Or Permanent Endowments	false	TermOrPermanentEndowments
Report Land Bldg Equip	true	ReportLandBldgEquip
Report Invest Oth Securities	false	ReportInvestOthSecurities
Report Prog Rel Invest	false	ReportProgRelInvest
Report Other Assets	false	ReportOtherAssets
Report Other Liabilities	true	ReportOtherLiabilities
Report Fin48 Footnote	true	ReportFin48Footnote
Independent Audit Financial Stmt	false	IndependentAuditFinancialStmt
Consolidated Audit Financial Stmt	false	ConsolidatedAuditFinancialStmt
School	false	School
Foreign Office	false	ForeignOffice
Foreign Activities	false	ForeignActivities
More Than5000 K To Organizations	false	MoreThan5000KToOrganizations
More Than5000 K To Individuals	false	MoreThan5000KToIndividuals
Professional Fundraising	false	ProfessionalFundraising
Fundraising Activities	false	FundraisingActivities
Gaming	false	Gaming
Hospital	false	Hospital
Grants To Organizations	false	GrantsToOrganizations
Grants To Individuals	false	GrantsToIndividuals
Schedule J Required	false	ScheduleJRequired
Tax Exempt Bonds	false	TaxExemptBonds
Invest Tax Exempt Bonds	false	InvestTaxExemptBonds
Escrow Account	false	EscrowAccount
On Behalf Of Issuer	false	OnBehalfOfIssuer
Excess Benefit Transaction	false	ExcessBenefitTransaction
Prior Excess Benefit Transaction	false	PriorExcessBenefitTransaction
Loan To Officer Or DQP	false	LoanToOfficerOrDQP
Grant To Related Person	false	GrantToRelatedPerson
Bsnss Rltnshp With Organization	false	BsnssRltnshpWithOrganization
Bsnss Rltnshp Thru Family Member	false	BsnssRltnshpThruFamilyMember
Officer Entity With Bsnss Rltnshp	false	OfficerEntityWithBsnssRltnshp
Deductible Non Cash Contributions	false	DeductibleNonCashContributions
Deductible Contributions Of Art	false	DeductibleContributionsOfArt
Terminated	false	Terminated
Partial Liquidation	false	PartialLiquidation
Disregarded Entity	false	DisregardedEntity
Related Entity	false	RelatedEntity
Related Org Controlled Entity	false	RelatedOrgControlledEntity
Transaction Related Entity	false	TransactionRelatedEntity
Transfers To Exempt Non Chrtbl Org	false	TransfersToExemptNonChrtblOrg
Activities Conducted Partnership	false	ActivitiesConductedPartnership
Schedule O Required	true	ScheduleORequired
Number Forms Transmitted With1096	49	NumberFormsTransmittedWith1096
Number W2 G Included	0	NumberW2GIncluded
Compliance With Backup Witholding	true	ComplianceWithBackupWitholding
Number Of Employees	6	NumberOfEmployees
Employment Tax Returns Filed	true	EmploymentTaxReturnsFiled
Unrelated Business Income	true	UnrelatedBusinessIncome
Foreign Financial Account	false	ForeignFinancialAccount
Prohibited Tax Shelter Trans	false	ProhibitedTaxShelterTrans
Taxable Party Notification	false	TaxablePartyNotification
Non Deductible Contributions	false	NonDeductibleContributions
Excess Business Holdings	false	ExcessBusinessHoldings
Taxable Distributions	false	TaxableDistributions
Distribution To Donor	false	DistributionToDonor
Filed Lieu1041	false	FiledLieu1041
Licensed More Than One State	false	LicensedMoreThanOneState
Indoor Tanning Services	false	IndoorTanningServices
Info In Schedule O Part VI	X	InfoInScheduleOPartVI
Nbr Voting Governing Body Members	5	NbrVotingGoverningBodyMembers
Number Independent Voting Members	4	NumberIndependentVotingMembers
Family Or Business Relationship	false	FamilyOrBusinessRelationship
Delegation Of Management Duties	false	DelegationOfManagementDuties
Changes To Organizing Docs	false	ChangesToOrganizingDocs
Material Diversion Or Misuse	false	MaterialDiversionOrMisuse
Members Or Stockholders	true	MembersOrStockholders
Election Of Board Members	true	ElectionOfBoardMembers
Decisions Subject To Approval	true	DecisionsSubjectToApproval
Minutes Of Governing Body	true	MinutesOfGoverningBody
Minutes Of Committees	true	MinutesOfCommittees
Officer Mailing Address	false	OfficerMailingAddress
Local Chapters	false	LocalChapters
Form990 Provided To Governing Body	true	Form990ProvidedToGoverningBody
Conflict Of Interest Policy	true	ConflictOfInterestPolicy
Annual Disclosure Covered Persons	true	AnnualDisclosureCoveredPersons
Regular Monitoring Enforcement	true	RegularMonitoringEnforcement
Whistleblower Policy	true	WhistleblowerPolicy
Document Retention Policy	true	DocumentRetentionPolicy
Compensation Process CEO	true	CompensationProcessCEO
Compensation Process Other	true	CompensationProcessOther
Investment In Joint Venture	false	InvestmentInJointVenture

The Books Are In Care Of TheBooksAreInCareOf

Field	Value	IRS element (for citing)
Name Person	Suzanne Schow	NamePerson
Telephone Number	2143613809	TelephoneNumber

Address US AddressUS

Field	Value	IRS element (for citing)
Address Line1	12770 Coit Rd Ste 100	AddressLine1
City	Dallas	City
State	TX	State
ZIP Code	75251	ZIPCode

Form990 Part VII Section A Form990PartVIISectionA (6 entries)

TitleTitle	Average Hours Per WeekAverageHoursPerWeek	Average Hours Per Week RelatedAverageHoursPerWeekRelated	Individual Trustee Or DirectorIndividualTrusteeOrDirector	OfficerOfficer	Reportable Comp From OrganizationReportableCompFromOrganization	Reportable Comp From Related OrgsReportableCompFromRelatedOrgs	Other CompensationOtherCompensation
Z Suzanne Chism
President	40.00	0.00	X	X	86304	0	0
Sharon Kinard
Director	1.00	0.00	X		0	0	0
Shyrl Johnston
Director	1.00	0.00	X		0	0	0
Mike Alverson
Director	1.00	0.00	X		0	0	0
Robert Allen
Chairman	1.00	0.00	X		0	0	0
Suzanne Schow
CU Manager	40.00	0.00		X	31922	0	0

Field	Value	IRS element (for citing)
Total Reportable Comp From Org	118226	TotalReportableCompFromOrg
Number Individuals GT100 K	0	NumberIndividualsGT100K
Formers Listed	false	FormersListed
Total Comp GT150 K	false	TotalCompGT150K
Compensation From Other Sources	false	CompensationFromOtherSources

Contractor Compensation ContractorCompensation

Name Of Contractor NameOfContractor

Name Business NameBusiness

Field	Value	IRS element (for citing)
Business Name Line1	Fiserv	BusinessNameLine1

Address Of Contractor AddressOfContractor

Address US AddressUS

Field	Value	IRS element (for citing)
Address Line1	255 Fiserv Drive	AddressLine1
City	Brookfield	City
State	WI	State
ZIP Code	53045	ZIPCode

Field	Value	IRS element (for citing)
Description Of Services	IT Consulting	DescriptionOfServices
Compensation	142336	Compensation

Field	Value	IRS element (for citing)
Number Of Contractors GT100 K	1	NumberOfContractorsGT100K
Total Contributions	0	TotalContributions

Program Service Revenue ProgramServiceRevenue (2 entries)

DescriptionDescription	Business CodeBusinessCode	Total Revenue ColumnTotalRevenueColumn	Related Or Exempt Function IncomeRelatedOrExemptFunctionIncome
Income on loans	522100	831058	831058
Fees and charges	522100	350037	350037

Field	Value	IRS element (for citing)
Total Program Service Revenue	1181095	TotalProgramServiceRevenue

Investment Income InvestmentIncome

Field	Value	IRS element (for citing)
Total Revenue Column	16585	TotalRevenueColumn
Related Or Exempt Function Income	16585	RelatedOrExemptFunctionIncome

Income From Invest Bond Proceeds IncomeFromInvestBondProceeds

Field	Value	IRS element (for citing)
Total Revenue Column	0	TotalRevenueColumn

Royalties Revenue RoyaltiesRevenue

Field	Value	IRS element (for citing)
Total Revenue Column	0	TotalRevenueColumn

Net Rental Income Or Loss NetRentalIncomeOrLoss

Field	Value	IRS element (for citing)
Total Revenue Column	0	TotalRevenueColumn

Net Gain Or Loss Investments NetGainOrLossInvestments

Field	Value	IRS element (for citing)
Total Revenue Column	0	TotalRevenueColumn

Net Income From Fundraising Events NetIncomeFromFundraisingEvents

Field	Value	IRS element (for citing)
Total Revenue Column	0	TotalRevenueColumn

Net Income From Gaming NetIncomeFromGaming

Field	Value	IRS element (for citing)
Total Revenue Column	0	TotalRevenueColumn

Net Income Or Loss NetIncomeOrLoss

Field	Value	IRS element (for citing)
Total Revenue Column	0	TotalRevenueColumn

Other Revenue Misc OtherRevenueMisc

Field	Value	IRS element (for citing)
Description	Non-member ATM fees	Description
Business Code	900099	BusinessCode
Total Revenue Column	136452	TotalRevenueColumn
Unrelated Business Revenue	136452	UnrelatedBusinessRevenue

Field	Value	IRS element (for citing)
Total Other Revenue	136452	TotalOtherRevenue

Total Revenue TotalRevenue

Field	Value	IRS element (for citing)
Total Revenue Column	1334132	TotalRevenueColumn
Related Or Exempt Function Income	1197680	RelatedOrExemptFunctionIncome
Unrelated Business Revenue	136452	UnrelatedBusinessRevenue

Grants To Domestic Orgs GrantsToDomesticOrgs

Field	Value	IRS element (for citing)
Total	0	Total

Grants To Domestic Individuals GrantsToDomesticIndividuals

Field	Value	IRS element (for citing)
Total	0	Total

Foreign Grants ForeignGrants

Field	Value	IRS element (for citing)
Total	0	Total

Benefits To Members BenefitsToMembers

Field	Value	IRS element (for citing)
Total	0	Total

Comp Current Officers Directors CompCurrentOfficersDirectors

Field	Value	IRS element (for citing)
Total	140770	Total
Program Services	140770	ProgramServices

Comp Disqual Persons CompDisqualPersons

Field	Value	IRS element (for citing)
Total	0	Total

Other Salaries And Wages OtherSalariesAndWages

Field	Value	IRS element (for citing)
Total	212259	Total
Program Services	212259	ProgramServices

Pension Plan Contributions PensionPlanContributions

Field	Value	IRS element (for citing)
Total	15821	Total
Program Services	15821	ProgramServices

Other Employee Benefits OtherEmployeeBenefits

Field	Value	IRS element (for citing)
Total	50402	Total
Program Services	50402	ProgramServices

Payroll Taxes PayrollTaxes

Field	Value	IRS element (for citing)
Total	23889	Total
Program Services	23889	ProgramServices

Fees For Services Management FeesForServicesManagement

Field	Value	IRS element (for citing)
Total	40508	Total
Program Services	40508	ProgramServices

Fees For Services Legal FeesForServicesLegal

Field	Value	IRS element (for citing)
Total	1502	Total
Program Services	1502	ProgramServices

Fees For Services Accounting FeesForServicesAccounting

Field	Value	IRS element (for citing)
Total	9996	Total
Program Services	9996	ProgramServices

Fees For Services Lobbying FeesForServicesLobbying

Field	Value	IRS element (for citing)
Total	0	Total

Fees For Services Prof Fundraising FeesForServicesProfFundraising

Field	Value	IRS element (for citing)
Total	0	Total

Fees For Services Invst Mgmnt Fees FeesForServicesInvstMgmntFees

Field	Value	IRS element (for citing)
Total	0	Total

Fees For Services Other FeesForServicesOther

Field	Value	IRS element (for citing)
Total	0	Total

Advertising Advertising

Field	Value	IRS element (for citing)
Total	5776	Total
Program Services	5776	ProgramServices

Office Expenses OfficeExpenses

Field	Value	IRS element (for citing)
Total	49810	Total
Program Services	49810	ProgramServices

Information Technology InformationTechnology

Field	Value	IRS element (for citing)
Total	142336	Total
Program Services	142336	ProgramServices

Royalties Royalties

Field	Value	IRS element (for citing)
Total	0	Total

Occupancy Occupancy

Field	Value	IRS element (for citing)
Total	133946	Total
Program Services	133946	ProgramServices

Travel Travel

Field	Value	IRS element (for citing)
Total	0	Total

Travel Entrtnmnt Public Officials TravelEntrtnmntPublicOfficials

Field	Value	IRS element (for citing)
Total	0	Total

Conferences Meetings ConferencesMeetings

Field	Value	IRS element (for citing)
Total	0	Total

Interest Interest

Field	Value	IRS element (for citing)
Total	13184	Total
Program Services	13184	ProgramServices

Payments To Affiliates PaymentsToAffiliates

Field	Value	IRS element (for citing)
Total	0	Total

Depreciation Depletion DepreciationDepletion

Field	Value	IRS element (for citing)
Total	21297	Total
Program Services	21297	ProgramServices

Insurance Insurance

Field	Value	IRS element (for citing)
Total	17347	Total
Program Services	17347	ProgramServices

Other Expenses OtherExpenses (4 entries)

DescriptionDescription	TotalTotal	Program ServicesProgramServices
Telephone, fax, internet	22571	22571
Dues/Fees	42851	42851
ATM expense	89987	89987
Provision for loan losses	156508	156508

All Other Expenses AllOtherExpenses

Field	Value	IRS element (for citing)
Total	49502	Total
Program Services	49502	ProgramServices

Total Functional Expenses TotalFunctionalExpenses

Field	Value	IRS element (for citing)
Total	1240262	Total
Program Services	1240262	ProgramServices
Management And General	0	ManagementAndGeneral
Fundraising	0	Fundraising

Cash Non Interest Bearing CashNonInterestBearing

Field	Value	IRS element (for citing)
BOY	922853	BOY
EOY	905194	EOY

Savings And Temp Cash Investments SavingsAndTempCashInvestments

Field	Value	IRS element (for citing)
BOY	2399000	BOY
EOY	2455000	EOY

Pledges And Grants Receivable PledgesAndGrantsReceivable

Field	Value	IRS element (for citing)
EOY	0	EOY

Accounts Receivable AccountsReceivable

Field	Value	IRS element (for citing)
BOY	45173	BOY
EOY	51073	EOY

Receivables From Officers Etc ReceivablesFromOfficersEtc

Field	Value	IRS element (for citing)
EOY	0	EOY

Receivables From Disqual Persons ReceivablesFromDisqualPersons

Field	Value	IRS element (for citing)
EOY	0	EOY

Other Notes Loans Receivable Net OtherNotesLoansReceivableNet

Field	Value	IRS element (for citing)
BOY	10093903	BOY
EOY	11196681	EOY

Inventories For Sale Or Use InventoriesForSaleOrUse

Field	Value	IRS element (for citing)
EOY	0	EOY

Prepaid Expenses Deferred Charges PrepaidExpensesDeferredCharges

Field	Value	IRS element (for citing)
BOY	42865	BOY
EOY	32936	EOY

Field	Value	IRS element (for citing)
Land Buildings Equipment Basis	229351	LandBuildingsEquipmentBasis
Land Bldg Equipment Accum Deprec	193057	LandBldgEquipmentAccumDeprec

Land Buildings Equipment Basis Net LandBuildingsEquipmentBasisNet

Field	Value	IRS element (for citing)
BOY	51073	BOY
EOY	36294	EOY

Investments Pub Traded Securities InvestmentsPubTradedSecurities

Field	Value	IRS element (for citing)
EOY	0	EOY

Investments Other Securities InvestmentsOtherSecurities

Field	Value	IRS element (for citing)
EOY	0	EOY

Investments Program Related InvestmentsProgramRelated

Field	Value	IRS element (for citing)
EOY	0	EOY

Intangible Assets IntangibleAssets

Field	Value	IRS element (for citing)
EOY	0	EOY

Other Assets Total OtherAssetsTotal

Field	Value	IRS element (for citing)
BOY	126843	BOY
EOY	133484	EOY

Total Assets TotalAssets

Field	Value	IRS element (for citing)
BOY	13681710	BOY
EOY	14810662	EOY

Accounts Payable Accrued Expenses AccountsPayableAccruedExpenses

Field	Value	IRS element (for citing)
BOY	147708	BOY
EOY	212114	EOY

Other Liabilities OtherLiabilities

Field	Value	IRS element (for citing)
BOY	12555660	BOY
EOY	13526336	EOY

Total Liabilities TotalLiabilities

Field	Value	IRS element (for citing)
BOY	12703368	BOY
EOY	13738450	EOY

Field	Value	IRS element (for citing)
Do Not Follow SFAS117	X	DoNotFollowSFAS117

Retained Earnings Endowment Etc RetainedEarningsEndowmentEtc

Field	Value	IRS element (for citing)
BOY	978342	BOY
EOY	1072212	EOY

Total Net Assets Fund Balances TotalNetAssetsFundBalances

Field	Value	IRS element (for citing)
BOY	978342	BOY
EOY	1072212	EOY

Total Liab Net Assets Fund Balances TotalLiabNetAssetsFundBalances

Field	Value	IRS element (for citing)
BOY	13681710	BOY
EOY	14810662	EOY

Field	Value	IRS element (for citing)
Reconcilation Revenue Expenses	93870	ReconcilationRevenueExpenses
Method Of Accounting Cash	X	MethodOfAccountingCash
Accountant Compile Or Review	false	AccountantCompileOrReview
FS Audited	false	FSAudited
Federal Grant Audit Required	false	FederalGrantAuditRequired

Schedule D IRS990ScheduleD

Leasehold Improvements LeaseholdImprovements

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	10505	OtherCostOrOtherBasis
Depreciation	5954	Depreciation
Book Value	4551	BookValue

Equipment Equipment

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	218846	OtherCostOrOtherBasis
Depreciation	187103	Depreciation
Book Value	31743	BookValue

Field	Value	IRS element (for citing)
Total Of Book Value Land Buildings	36294	TotalOfBookValueLandBuildings

Other Liabilities OtherLiabilities (5 entries)

DescriptionDescription	AmountAmount
Shares	$3,070,470
Share Draft	$9,790,434
IRA Certificates of Deposit	$34,708
Individual Retirement Accounts	$613,881
Certificates of Deposit	$16,843

Field	Value	IRS element (for citing)
Total Of Amounts	13526336	TotalOfAmounts
Footnote In Part XIII	X	FootnoteInPartXIII

Form990 Schedule D Part XIII Form990ScheduleDPartXIII

Field	Value	IRS element (for citing)
Identifier	Part X	Identifier
Return Reference	Part X : FIN48 Footnote	ReturnReference
Explanation	FIN 48 is not applicable.Part IV, line 12aThe credit union will undergo a supervisory committee audit in 2013 which will include the financial statement period ending December 31, 2012.	Explanation

Schedule O IRS990ScheduleO

General Explanation GeneralExplanation (7 entries)

IdentifierIdentifier	Return ReferenceReturnReference	ExplanationExplanation
Form 990, Part VI, Line 19	Form 990, Part VI, Line 19: Other Organization Documents Publicly Available	Texas Health Resources Credit Union makes its governing documents, conflict of interest policy, and financial statements available to the public upon request. Quarterly financial statements are avaliable to the public on the NCUA website via the 5300 filing.
Form 990, Part VI, Line 15b	Form 990, Part VI, Line 15b: Compensation Review and Approval Process for Officers and Key Employees	The CEO's compensation is determined by the human resources department and board of directors. The credit union manager's compensation is determined by the CEO and the human resources department.
Form 990, Part VI, Line 12c	Form 990, Part VI, Line 12c: Explanation of Monitoring and Enforcement of Conflicts	All officers, directors and key employees are required to file an annual conflict of interest disclosure statement.
Form 990, Part VI, Line 11b	Form 990, Part VI, Line 11b: Form 990 Review Process	Prior to filing Form 990 (and 990-T), questions and comments are submitted to the manager for further discussions with the preparer. After review, questions are reconciled and the return(s) are filed.
Form 990, Part VI, Line 7b	Form 990, Part VI, Line 7b: Describe Decisions of Governing Body Approval by Members or Shareholders	Members of the credit union have the right to approve the governing body's election and the removal of members of the governing body, as well as other matters that are subject to the approval of the members of the credit union as they occur.
Form 990, Part VI, Line 7a	Form 990, Part VI, Line 7a: How Members or Shareholders Elect Governing Body	The credit union membership may participate in the election of officials.
Form 990, Part VI, Line 6	Form 990, Part VI, Line 6: Explanation of Classes of Members or Shareholder	The organization has members.