2012-04-25T11:29:07-05:00 2011-12-31 A R LEMA CPA 610 E MARKET ST STE 2906 SAN ANTONIO TX 78205 990 2011-01-01 741505143 COASTAL COMMUNITY & TEACHERS CU COAS 3619856810 6810 SARATOGA BLVD Corpus Christi TX 784143908 GINA K PRINCE 3619856810 2012-04-25 true AR LEMA CPA 2102124822 2012-04-25 X 2011 2016-02-24 21:20:13Z COASTAL COMMUNITY TEACHERS CREDIT UNION 6810 SARATOGA BLVD Corpus Christi TX 78414 12930756 false false X WWW.CCATCU.COM X 1935 TX PROVIDE MEMBERS WITH QUALITY FINANCIAL SERVICES THROUGH THE REALM OF SOUND MANAGEMENT POLICIES AND A PROFESSIONAL CODE OF ETHICS. 9 9 100 9 177349 -67714 0 9942964 12075521 1075457 675546 140897 179689 11159318 12930756 6000 6000 0 3322557 3410256 0 0 7166029 7380552 10494586 10796808 664732 2133948 186840879 212670905 165344702 190406448 21496177 22264457 PROVIDE MEMBERS WITH QUALITY FINANCIAL SERVICES THROUGH THE REALM OF SOUND MANAGEMENT POLICIES AND A PROFESSIONAL CODE OF ETHICS. false false SHARE/DEPOSIT ACCOUNTS: DEPOSITS GREW $24,608,635 FOR THE YEAR 2011. MOST OF THE DEPOSIT GROWTH WAS IN THE (PIA) PRIME INVESTMENT ACCOUNTS WHICH GREW OVER $17.8 MILLION. THESE ARE MONEY MARKET ACCOUNTS. CONSUMER LOANS: CONSUMER LOANS GREW $36,792,976 DURING THE YEAR 2011. LARGE MAJORITY OF THE GROWTH IN LOANS WAS DUE TO INDIRECT LENDING WITH EMPHASIS ON USED VEHICLES. OTHER MEMBER SERVICES: THE INTEREST EARNING CHECKING ACCOUNTS GREW $3.9 MILLION DURING THE YEAR 2011. MEMBERS MUST MEET CERTAIN CRITERIA FOR THE HIGHER EARNING INTEREST RATE. false false false false false false false false false false true false true false true false true false false false false false false false false false false false true true false false false false false false false false false false false false false false false false false false false false false true X 5440 0 false 100 true true true false false false false false false false false false false false false false false false false false false false false X 9 9 false false false false true true true true true false true true true true true true true true true true false false X COASTAL COMMUNITY TEACHERS CREDIT UNION 3619856810 6810 SARATOGA BLVD Corpus Christi TX 78414 X DRDAVID HINOJOSA 2.00 X X 0 0 0 ARTURO DELGADO 2.00 X X 0 0 0 DR TONY DIAZ 2.00 X X 0 0 0 JAVIER LEAL 2.00 X X 0 0 0 DR JOSE CAVAZOS 2.00 X 0 0 0 JUDGE HENRY SANTANA 2.00 X 0 0 0 EDUARDO TORRES 2.00 X 0 0 0 KEN COMBS 2.00 X 0 0 0 DRLYNDA DELEON 2.00 X 0 0 0 JANET YARBROUGH 40.00 X 75663 0 0 THERESA WILES 40.00 X 72340 0 0 SARA GARZA 40.00 X 60548 0 0 ROSIE BOTELLO 40.00 X 56973 0 0 LEANNE MULHOLLAND 40.00 X 60617 0 0 GINA PRINCE 40.00 X X 0 0 0 521384 1 false true false BLUE CROSSBLUE SHIELD EMPLOYEE INSURANCE 340625 CENTRE TECHNOLOGIES INC 480 N SAM HOUSTON PKWY STE 310 Houston TX 77060 IT CONSULTING/CAP EX 376023 FISERV SOLUTIONS INC 4500 SW RESEARCH WAY Corvallis OR 97333 IT SYS.ANN MAINT. 240357 CUNA MUTUAL GROUP PO BOX 391 Madison WI 53701 CL/CD INSURANCE 195744 AMERICAN SERVICE GROUP WARRANTY/GAP SERVICE 173059 10 INTEREST ON LOANS 900099 8386932 8386932 FEES & PROGRAM REVENUE 900099 3590229 3590229 MISC. OPERATING REVENUE 900099 98360 98360 12075521 675546 675546 0 GAP INSURANCE REIMBURSEMENTS 900099 76850 76850 WARRANTIES 900099 37950 37950 ATM TERMINAL NETWORK INCOME 900099 35820 35820 29069 26729 179689 12930756 12075521 177349 675546 6000 521384 2888872 7758 16400 224932 1404057 622354 455021 78813 1737024 413374 436781 SPECIAL PROGRAMS 966528 PROVISION FOR LOAN LOSSES 749000 LOAN PROGRAM EXPENSES 218051 LEAGUE DUES 26744 23715 10796808 20434343 29691956 110442099 147152351 10239193 4423502 5989306 5815691 40108269 23212767 9866862 6798140 186840879 212670905 1280225 1733336 164064477 188673112 165344702 190406448 X 21496177 22264457 21496177 22264457 186840879 212670905 2133948 X true true true X false false false false false false false false false false false false false false false false false false false false false false false false false false false false false false 1129485 1129485 5005631 1133498 3872133 527018 207024 319994 3577059 3082980 494079 5815691 FEDERAL AGENCY SECURITIES 10857932 C COMMERCIAL BANKS 10504000 C FEDERAL HOME LOAN BANK 103712 C NCUSIF DEPOSIT 1747123 C 23212767 ACCRUED INCOME, RECEIVABLES, PREPAIDS 6798140 6798140 MEMBER SHARES & DEPOSITS 188673112 188673112 12930756 10796808 2133948 2133948 true SCHOLARSHIPS 6 6000 X true true X X X false false false false false false false false false false GINA PRINCE 195243 195243 TRAVEL FOR COMPANIONS: BOARD OF DIRECTORS DO NOT RECEIVE COMPENSATION; HOWEVER, THEY DO RECEIVE 1099 MISC INCOME FOR REIMBURSED SPOUSAL TRAVEL WHILE ON CREDIT UNION BUSINESS. FORM 990, PART VI, SECTION A, LINE 6 & 7A: COASTAL COMMUNITY & TEACHERS IS A STATE CHARTERED CREDIT UNION COMPRISED OF OWNER/MEMBERS. THESE MEMBERS HOLD ANNUAL MEETINGS AT WHICH TIME THE MEMBERS PRESENT ELECT OPEN POSITIONS FOR BOARD OF DIRECTORS. FORM 990, PART VI, SECTION B, LINE 11A: A COPY OF FORM 990 IS PROVIDED TO EACH BOARD MEMBER FOR REVIEW. AFTER REVIEW AND DISCUSSION, THE FORM IS APPROVED FOR REMITTANCE TO THE IRS. FORM 990, PART VI, SECTION B, LINE 12C: OFFICIALS ARE NOT FORMALLY REQUESTED TO DISCLOSE ANY CONFLICTS OF INTEREST; HOWEVER, WHEN THERE ARE ANY APPARENT CONFLICTS OF INTEREST, THE AFFECTED OFFICIAL ABSTAINS FROM VOTING ON THE ISSUE. FORM 990, PART VI, SECTION B, LINE 15A & 15B: THE BOARD OF DIRECTORS APPOINTS A COMPENSATION COMMITTEE WHO REVIEWS ANNUALLY THE COMPENSATION LEVELS OF ALL KEY EMPLOYEES PRIOR TO APPROVAL BY THE BOARD. THERE IS ALSO A WRITTEN EMPLOYMENT CONTRACT FOR THE KEY PERSON WHICH IS REVIEWED DURING THE PROCESS. FORM 990, PART VI, SECTION C, LINE 19: FINANCIAL STATEMENTS ARE POSTED MONTHLY IN EACH CREDIT UNION OFFICE AND THE ANNUAL REPORTS ARE DOWN LOADABLE ON OUR WEBSITE. THE GOVERNANCE DOCUMENTS, BASED ON TEXAS ADMINISTRATIVE CODE AND BOARD OF DIRECTOR POLICY, ARE AVAILABLE UPON MEMBER REQUEST. A DISCLOSURE STATEMENT IS ON THE WEBSITE AND THE BI-ANNUAL NEWSLETTER SPECIFIES THAT CERTAIN DOCUMENTS ARE AVAILABLE FOR MEMBER REVIEW.