{"success":true,"data":{"_id":741260543,"filings":[{"Organization":{"value":null,"Person":["DAN BUCHE","GEORGE HORNBACK","PEGGY MILTENBERGER","DEANNA LYNN JONES","DICK SMITH","ED ZINGLEMAN","EDWARD SPEED","JACK ANTONINI","ROLAND HENDRICKS","FRANK COE","ROBERT BALDWIN III","ANITA SEHGAL","DAVID SIKORA","ELIZABETH R KILLINGER","STEVEN J MURRAY","MANUEL S RODRIGUEZ","STEPHANIE SHERRODD","RHONDA PAVLICEK","MURSHID KHAN","MICHAEL HUBBELL","ALEXIS ALEJANDRO DE LA CRUZ","THOMAS DALLAM","ANDREI SIMESCU","JENNIFER KELLY DOMINIQUINI","DAN TABRAHAM","WESLEY GARNER","MILTON LUCAS","GARY LANIER","CONNIE CLARK","BONITA TUCKER","JASON SCHNEIDER","LUKE BILLERI II","ANTHONY WARDEN","KEITH HRNYAK","GERALD A EICHHORST","JOSHUA DEAN BRIAN","ETHAN RODNEY PACK","BETHANY DAVIS","PATRICK BEALE","KEVIN MCCOY II","MARCUS MANNING","CHARLES ALLEN SMITH","MILTON E STEVENS","COURTLAND CROUCHET"],"Title":["DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","PRESIDENT","SENIOR VP & CFO","SENIOR VP & CIO","VP - RISK MANAGEMENT","SENIOR VP - CGSMO","SENIOR VP & CPO","SENIOR VP & CCEO","SENIOR VP & CDEO","SENIOR VP & CCRO","PRINCIPAL WEALTH STRATEGIST","VP BUSINESS SERVICES","VP-STRATEGIC INITIATIVES","PRESIDENT-INS AGENCY","VP - OPERATIONS","VP - FINANCE","VP - MEMBER CENTERS","VP - MEMBER CARE","VP - CONTROLLER","VP - DIGITAL EXPERIENCE","VP - STRATEGIC PARTNERSHIPS","DIRECTOR - ENTERPRISE ARCH","WEALTH ADVISOR","WEALTH ADVISOR","WEALTH ADVISOR","DIRECTOR - INFO MGMT ANALY","FORMER SENIOR VP & CLO","FORMER SENIOR VP RETAIL LENDING","FORMER SENIOR VP - CRO"],"Hours":[4.0,4.0,4.0,4.0,4.0,4.0,4.0,4.0,4.0,4.0,4.0,4.0,4.0,4.0,4.0,4.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0],"Total Compensation":[40542,15798,21750,8625,42000,28848,30885,19605,36447,22500,13520,21000,17625,5250,12750,4500,819906,514237,390548,188922,378367,317973,236666,91668,74387,351991,197160,223178,268150,225359,263301,186823,248720,231758,226201,169898,213507,319882,259113,241635,212936,1026385,935331,640452],"Direct compensation":[37500,15798,21750,8625,38625,28500,30375,11250,36447,22500,10500,21000,17625,5250,12750,4500,793182,487626,367051,168557,363043,307399,228866,88813,74057,332622,177574,203107,254269,204416,240951,170509,226517,211488,217849,150875,191729,295698,236153,223934,201579,1018598,925930,633997],"Other compensation":[3042,0,0,0,3375,348,510,8355,0,0,3020,0,0,0,0,0,26724,26611,23497,20365,15324,10574,7800,2855,330,19369,19586,20071,13881,20943,22350,16314,22203,20270,8352,19023,21778,24184,22960,17701,11357,7787,9401,6455]},"Basic":{"value":null,"mission":"Increase economic well-being of our members through not-for-profit, cooperative financial services.","year":2019,"name":"TEXAS DOW ECU","phone":3615809629,"website":"WWW.TDECU.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"RHONDA PAVLICEK","year_formation":1955,"state_legal_domicile":"TX","total_volunteers":0,"tax_period_begin":"2019-01-01T00:00:00","tax_period_end":"2019-12-31T00:00:00","address":"1001 FM 2004, LAKE JACKSON, TX, 77566, USA","city":"LAKE JACKSON","state":"TX","country":"USA","zip_code":77566},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":10,"Number of independent voting members":10,"Number of employees total":1012,"Total Gross UBI":3132136,"Net unrelated business taxable income":-5028862,"Number of employees":1012,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":true,"Premiums Paid":true,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":249289906,"Contributions":{"value":0,"Other contributions":0,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":244087686,"Total revenue":{"value":244087686,"INTEREST ON LOANS":163975991,"FEE INCOME":62040291,"OTHER OPERATING INCOME":18071404},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":4426621,"Investment income total":3952064,"Net investment gain":474557,"Income from invest bond proceeds":0},"Other revenues":{"value":775599,"Other total":775599,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":223922268,"Grant expense":{"value":0,"Grants to domestic orgs":0,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":0,"Benefits paid to members Total":0},"Salaries":{"value":69808173,"Current officers":5605212,"Disqualified persons":0,"Other salaries and wages":47789239,"Pension plan contributions":2256907,"Other employee benefits":10213867,"Payroll taxes":3942948},"Other expenses":{"value":154114095,"Management services":0,"Legal":838493,"Accounting":423910,"Lobbying services":0,"Investment management fees":0,"Other services":14254243,"Advertising":7594763,"Office expenses":6970210,"Information technology":1502041,"Royalties":0,"Occupancy":7306439,"Travel":2233775,"Conferences and meetings":0,"Interest":31031231,"Payments to affiliates":0,"Depreciation and depletion":8452494,"Insurance":677812,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":72828684,"PROVISION FOR LOAN LOSS":34695036,"OTHER SERVICE FEES":33343910,"LOAN SERVICING EXPENSE":4789738},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":3609955686,"Non-interest bearing cash":12099242,"Savings and temp cash investments":295841402,"Pledges and grants receivable":0,"Accounts receivable":3343425,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":3143007107,"Inventories for sale or use":0,"Prepaid expenses deferred charges":0,"Land, building, equipment":54256841,"Investments publicly traded":0,"Investments other":20048702,"Investments program related":0,"Intangible assets":11542156,"Other assets":69816811},"Liabilities":{"value":3293132863,"Sum of Total Liabilities":0,"Accounts payable, accrued":79553616,"Grants payable":0,"Deferred, revenue":307475,"Tax exempt bond liabilities":0,"Escrow account liability":14106734,"Loans from officers, directors":0,"Secured mortgages and notes payable":260567542,"Unsecured notes loans payable":0,"Other liabilities":2938597496},"Fund balance":{"value":316822823,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.0,"percentile":0.4421253816471043},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.10175958749007671,"percentile":0.6262771622109374},"Liabilities to Assets Ratio":{"score":0.9122363678233806,"percentile":0.0626309950461545},"Operating Reserve Ratio":{"score":16.121468035505963,"percentile":0.9314235572551881},"Officer Compensation Ratio":{"score":0.04374776607746756,"percentile":0.788110846783981},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.0803477347811041,"percentile":0.7135300436664351},"Asset Growth":{"score":0.0787005548275625,"percentile":0.62483602372641},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.6267989266765708,"percentile":0.6813710069808653}},"source_xml":"202013189349303996_public.xml"},{"Organization":{"value":null,"Person":["DAN BUCHE","GEORGE HORNBACK","PEGGY MILTENBERGER","DAVID OZUNA","DICK SMITH","MARCUS STEPHENSON","MIKE TRACY","ED ZINGLEMAN","ED SPEED","JACK ANTONINI","ROLAND HENDRICKS","FRANK COE","EILEEN CAMPBELL","ROBERT BALDWIN","MILTON STEVENS","STEPHANIE SHERRODD","ROBERT LOCKETT III","RHONDA KLEINECKE","CHARLES SMITH","COURTLAND CROUCHET","EDWARD BIRDSONG","LUCILLA HENDERSON","AMBRISH SUNDARAM","SHAMIK DARU","GARY LANIER","TANGY NAPIER","VANDI THERIOT","WESLEY WOLFF","BONITA TUCKER","ANDREW WAYMAN","PAUL O'MALLEY","JASON SCHNEIDER","TAMMIE BELL","RYAN BIRDSONG","KENNETH MCGEHEE","ROBYN COCHRAN","JAMES BOLAND"],"Title":["DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","SENIOR VP & CIO","PRESIDENT & CEO","SENIOR VP & CSO","SENIOR VP & CFO","SENIOR VP & CLO","SENIOR VP & CRO","PRESIDENT - TDECU RE","VP- COMMUNITY RELATIONS","VP - INFORMATION SYSTEMS","VP & CONTROLLER","VP-RETAIL LANDING","VP-RETAIL DELIVERY","VP-TALENT SERVICES","PRESIDENT-INS AGENCY","VP-SERVICE OPERATIONS","VP - CTO","VP - ECOMMERCE","VP - FINANCE","REAL ESTATE AGENT","REAL ESTATE AGENT","REAL ESTATE AGENT","WEALTH ADVISOR","INSURANCE AGENT - PRODUCER"],"Hours":[4.0,4.0,4.0,4.0,4.0,4.0,4.0,4.0,4.0,4.0,4.0,4.0,4.0,4.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0],"Total Compensation":[41521,22097,24375,21000,43539,10875,20972,21486,37373,13484,29625,17625,20250,16748,330364,696831,444750,358982,298048,285582,265944,191414,233453,209988,203546,220573,217589,277273,206947,198476,194983,166115,305215,221157,203126,232818,181662],"Direct compensation":[41521,22097,24375,21000,43539,10875,20972,21486,37373,13484,29625,17625,20250,16748,310269,676736,442420,338887,282010,265884,247496,174670,220004,193157,186401,206260,205195,259452,191669,190009,179083,150877,286931,205285,186885,223499,168540],"Other compensation":[0,0,0,0,0,0,0,0,0,0,0,0,0,0,20095,20095,2330,20095,16038,19698,18448,16744,13449,16831,17145,14313,12394,17821,15278,8467,15900,15238,18284,15872,16241,9319,13122]},"Basic":{"value":null,"mission":"Increase economic well-being of our members through not-for-profit, cooperative financial services.","year":2014,"name":"TEXAS DOW ECU","phone":3615809629,"website":"WWW.TDECU.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"RHONDA KLEINECKE","year_formation":1955,"state_legal_domicile":"TX","total_volunteers":0,"tax_period_begin":"2014-01-01T00:00:00","tax_period_end":"2014-12-31T00:00:00","address":"1001 FM 2004, LAKE JACKSON, TX, 77566, USA","city":"LAKE JACKSON","state":"TX","country":"USA","zip_code":77566},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":10,"Number of independent voting members":10,"Number of employees total":905,"Total Gross UBI":2251143,"Net unrelated business taxable income":-4130140,"Number of employees":905,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":true,"Premiums Paid":true,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":159408025,"Contributions":{"value":0,"Other contributions":0,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":159322545,"Total revenue":{"value":159322545,"INTEREST ON LOANS":108394967,"FEE INCOME":41327187,"OTHER OPERATING INCOME":9600391},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":361065,"Investment income total":320560,"Net investment gain":40505,"Income from invest bond proceeds":0},"Other revenues":{"value":-275585,"Other total":-275585,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":141998944,"Grant expense":{"value":0,"Grants to domestic orgs":0,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":0,"Benefits paid to members Total":0},"Salaries":{"value":52314129,"Current officers":5000858,"Disqualified persons":0,"Other salaries and wages":35163993,"Pension plan contributions":1130546,"Other employee benefits":7969285,"Payroll taxes":3049447},"Other expenses":{"value":89684815,"Management services":0,"Legal":661658,"Accounting":388128,"Lobbying services":0,"Investment management fees":0,"Other services":6199372,"Advertising":6607897,"Office expenses":8415726,"Information technology":0,"Royalties":0,"Occupancy":7549025,"Travel":1580051,"Conferences and meetings":49350,"Interest":13988440,"Payments to affiliates":0,"Depreciation and depletion":6355636,"Insurance":1009980,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":36879552,"OTHER SERVICE FEES":18919967,"PROVISION FOR LOAN LOSS":15538001,"LOAN SERVICING EXPENSE":2421584},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":2429349528,"Non-interest bearing cash":13151068,"Savings and temp cash investments":110030837,"Pledges and grants receivable":0,"Accounts receivable":26539678,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":2160887582,"Inventories for sale or use":0,"Prepaid expenses deferred charges":0,"Land, building, equipment":53634988,"Investments publicly traded":0,"Investments other":285014,"Investments program related":0,"Intangible assets":18950507,"Other assets":45869854},"Liabilities":{"value":2217993557,"Sum of Total Liabilities":0,"Accounts payable, accrued":27618090,"Grants payable":0,"Deferred, revenue":424768,"Tax exempt bond liabilities":0,"Escrow account liability":6383986,"Loans from officers, directors":0,"Secured mortgages and notes payable":130171758,"Unsecured notes loans payable":0,"Other liabilities":2053394955},"Fund balance":{"value":211355971,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.0,"percentile":0.4421253816471043},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.10921081921691207,"percentile":0.6386759761541361},"Liabilities to Assets Ratio":{"score":0.9129989453703675,"percentile":0.06250051209947675},"Operating Reserve Ratio":{"score":17.108222494950386,"percentile":0.9355963380251519},"Officer Compensation Ratio":{"score":0.04567502980867238,"percentile":0.7782922687488981},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":null,"percentile":null},"Asset Growth":{"score":null,"percentile":null},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.6189342458843452,"percentile":0.6597548627775113}},"source_xml":"201533209349301733_public.xml"},{"Organization":{"value":null,"Person":["DAN BUCHE","GEORGE HORNBACK","PEGGY MILTENBERGER","DAVID OZUNA","DICK SMITH","ED ZINGLEMAN","EDWARD SPEED","JACK ANTONINI","ROLAND HENDRICKS","FRANK COE","EILEEN CAMPBELL","ROBERT BALDWIN III","ANITA SEHGAL","DAVID SIKORA","STEPHANIE SHERRODD","MILTON STEVENS","ISAAC JOHNSON","RHONDA PAVLICEK","CHARLES SMITH","COURTLAND CROUCHET","TIMOTHY BENNETT","LUCILLA HENDERSON","WESLEY GARNER","MILTON LUCAS","GARY LANIER","VANDI THERIOT","WESLEY WOLFF","BONITA TUCKER","ANDREW WAYMAN","JASON SCHNEIDER","LUKE BILLERI II","ANTHONY WARDEN","KEITH HRNYAK","BRENT WIEPRECHT","JOHN GALLO","PATRICK BEALE","KEVIN MCCOY II","MARCUS MANNING"],"Title":["DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","PRESIDENT","SENIOR VP- RETAIL LENDING","SENIOR VP & CRO","SENIOR VP & CFO","SENIOR VP & CLO","SENIOR VP - CRO","VP - CHIEF BRAND OFFICER","VP- COMMUNITY & BUSINESS ENGAGEMENT","PRES - WEALTH MANAGEMENT","VP BUSINESS SERVICES","VP-STRATEGIC INITIATIVES","VP-TALENT SERVICES","PRESIDENT-INS AGENCY","VP - OPERATIONS","VP - DIGITAL STRATEGY","VP - FINANCE","VP - MEMBER CENTERS","VP - LOAN RESOLUTIONS","VP - CONTROLLER","INSURANCE AGENT - PRODUCER","DIRECTOR - BUSINESS INFO. SYSTEMS & SECURITY","WEALTH ADVISOR","WEALTH ADVISOR","DIRECTOR - ENTERPRISE INFRASTRUCTURE"],"Hours":[4.0,4.0,4.0,4.0,4.0,4.0,4.0,4.0,4.0,4.0,4.0,4.0,4.0,4.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0],"Total Compensation":[36393,13973,20250,17409,38618,25084,30393,13143,31298,20250,18000,13155,21375,13500,608335,281219,243408,328160,298446,284835,251836,177050,341526,171040,196379,409172,182935,201031,226487,199128,179609,197656,172503,182095,191484,210195,240510,189141],"Direct compensation":[33750,13973,20250,17075,35625,24750,27750,10500,31298,20250,18000,10512,21375,13500,586585,259402,241557,306343,281021,263018,231879,158791,323014,154316,178645,395014,174462,183100,205832,179957,165509,184934,159837,165054,173914,191023,221234,180721],"Other compensation":[2643,0,0,334,2993,334,2643,2643,0,0,0,2643,0,0,21750,21817,1851,21817,17425,21817,19957,18259,18512,16724,17734,14158,8473,17931,20655,19171,14100,12722,12666,17041,17570,19172,19276,8420]},"Basic":{"value":null,"mission":"Increase economic well-being of our members through not-for-profit, cooperative financial services.","year":2017,"name":"TEXAS DOW ECU","phone":3615809129,"website":"WWW.TDECU.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"RHONDA PAVLICEK","year_formation":1955,"state_legal_domicile":"TX","total_volunteers":0,"tax_period_begin":"2017-01-01T00:00:00","tax_period_end":"2017-12-31T00:00:00","address":"1001 FM 2004, LAKE JACKSON, TX, 77566, USA","city":"LAKE JACKSON","state":"TX","country":"USA","zip_code":77566},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":14,"Number of independent voting members":14,"Number of employees total":923,"Total Gross UBI":2857580,"Net unrelated business taxable income":-3997044,"Number of employees":923,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":true,"Premiums Paid":true,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":195748237,"Contributions":{"value":0,"Other contributions":0,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":195046106,"Total revenue":{"value":195046106,"INTEREST ON LOANS":134793129,"FEE INCOME":50208937,"OTHER OPERATING INCOME":10044040},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":955836,"Investment income total":966751,"Net investment gain":-10915,"Income from invest bond proceeds":0},"Other revenues":{"value":-253705,"Other total":-253705,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":174326754,"Grant expense":{"value":0,"Grants to domestic orgs":0,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":0,"Benefits paid to members Total":0},"Salaries":{"value":61144074,"Current officers":4950755,"Disqualified persons":0,"Other salaries and wages":40333770,"Pension plan contributions":1469013,"Other employee benefits":10959099,"Payroll taxes":3431437},"Other expenses":{"value":113182680,"Management services":0,"Legal":670119,"Accounting":286244,"Lobbying services":0,"Investment management fees":0,"Other services":8074432,"Advertising":4735101,"Office expenses":8271139,"Information technology":1426155,"Royalties":0,"Occupancy":7814779,"Travel":1050708,"Conferences and meetings":0,"Interest":15598852,"Payments to affiliates":0,"Depreciation and depletion":7564665,"Insurance":626867,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":57063619,"OTHER SERVICE FEES":28696460,"PROVISION FOR LOAN LOSS":24879782,"LOAN SERVICING EXPENSE":3487377},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":3172342811,"Non-interest bearing cash":13169263,"Savings and temp cash investments":174566799,"Pledges and grants receivable":0,"Accounts receivable":2589112,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":2853653057,"Inventories for sale or use":0,"Prepaid expenses deferred charges":0,"Land, building, equipment":47906961,"Investments publicly traded":0,"Investments other":134590,"Investments program related":0,"Intangible assets":13543040,"Other assets":66779989},"Liabilities":{"value":2915744330,"Sum of Total Liabilities":0,"Accounts payable, accrued":51552110,"Grants payable":0,"Deferred, revenue":1242226,"Tax exempt bond liabilities":0,"Escrow account liability":9951631,"Loans from officers, directors":0,"Secured mortgages and notes payable":295318221,"Unsecured notes loans payable":0,"Other liabilities":2557680142},"Fund balance":{"value":256598481,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.0,"percentile":0.4421253816471043},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.10943384894955657,"percentile":0.6390450649003124},"Liabilities to Assets Ratio":{"score":0.9191138863964347,"percentile":0.06152916181196363},"Operating Reserve Ratio":{"score":18.197681871596142,"percentile":0.9398182269763972},"Officer Compensation Ratio":{"score":0.03600721550749462,"percentile":0.8281050447193642},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.06471008592772391,"percentile":0.6632541502991026},"Asset Growth":{"score":0.09462303232195655,"percentile":0.6693862640380371},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.6299051487649722,"percentile":0.6898369584889797}},"source_xml":"201823139349303417_public.xml"},{"Organization":{"value":null,"Person":["DAN BUCHE","GEORGE HORNBACK","PEGGY MILTENBERGER","DAVID OZUNA","DICK SMITH","CARRIE FISHER","MIKE TRACY","ED ZINGLEMAN","EDWARD SPEED","JACK ANTONINI","ROLAND HENDRICKS","FRANK COE","EILEEN CAMPBELL","ROBERT BALDWIN III","ANITA SEHGAL","DAVID SIKORA","STEPHANIE SHERRODD","MILTON STEVENS","ISAAC JOHNSON","RHONDA PAVLICEK","CHARLES SMITH","COURTLAND CROUCHET","EDWARD BIRDSONG","LUCILLA HENDERSON","WILLIAM BALDWIN","MILTON LUCAS","GARY LANIER","TANGY NAPIER","VANDI THERIOT","WESLEY WOLFF","BONITA TUCKER","ANDREW WAYMAN","PAUL O'MALLEY","JASON SCHNEIDER","MELISSA STEFKA","LORETTA WILLIAMS","LUKE BILLERI II","TAMMIE BELL","RYAN BIRDSONG","KENNETH MCGEHEE","BETHANY DAVIS","MARCUS MANNING"],"Title":["DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","PRESIDENT","SENIOR VP- RETAIL LENDING","SENIOR VP & CRO","SENIOR VP & CFO","SENIOR VP & CLO","SENIOR VP - CRO","PRESIDENT - TDECU RE","VP- COMMUNITY RELATIONS","VP - MEMBER CARE","VP BUSINESS SERVICES","VP-STRATEGIC INITIATIVES","VP-MEMBER EXPERIENCE","VP-TALENT SERVICES","PRESIDENT-INS AGENCY","VP - OPERATIONS","VP - DIGITAL STRATEGY","VP - ECOMMERCE","VP - FINANCE","VP - LOAN RESOLUTION","VP - RESIDENTIAL LENDING","VP - MEMBER CENTERS","REAL ESTATE AGENT","REAL ESTATE AGENT","REAL ESTATE AGENT","WEALTH ADVISOR","DIRECTOR - SIO"],"Hours":[4.0,4.0,4.0,4.0,4.0,4.0,4.0,4.0,4.0,4.0,4.0,4.0,4.0,4.0,4.0,4.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0],"Total Compensation":[46690,19291,21000,16500,51664,3750,2478,23416,38815,26440,29250,17625,21750,9000,3750,3375,749496,350329,230984,408407,332571,338064,301546,209256,227406,193476,222658,242997,243870,273605,246693,275259,169866,205871,187401,183324,174805,263522,228847,233624,334632,201840],"Direct compensation":[39095,18833,21000,16500,42707,3750,2364,22958,31220,17720,29250,17625,21750,9000,3750,3375,729084,329917,228816,387995,316752,317652,282712,191000,211728,180371,204084,225364,230878,255721,228610,256058,161931,189321,172486,166232,161545,246212,211672,221972,317383,192768],"Other compensation":[7595,458,0,0,8957,0,114,458,7595,8720,0,0,0,0,0,0,20412,20412,2168,20412,15819,20412,18834,18256,15678,13105,18574,17633,12992,17884,18083,19201,7935,16550,14915,17092,13260,17310,17175,11652,17249,9072]},"Basic":{"value":null,"mission":"Increase economic well-being of our members through not-for-profit, cooperative financial services.","year":2015,"name":"TEXAS DOW ECU","phone":3615809629,"website":"WWW.TDECU.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"RHONDA PAVLICEK","year_formation":1955,"state_legal_domicile":"TX","total_volunteers":0,"tax_period_begin":"2015-01-01T00:00:00","tax_period_end":"2015-12-31T00:00:00","address":"1001 FM 2004, LAKE JACKSON, TX, 77566, USA","city":"LAKE JACKSON","state":"TX","country":"USA","zip_code":77566},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":16,"Number of independent voting members":16,"Number of employees total":903,"Total Gross UBI":2560845,"Net unrelated business taxable income":-3789704,"Number of employees":903,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":true,"Premiums Paid":true,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":174306145,"Contributions":{"value":0,"Other contributions":0,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":173185510,"Total revenue":{"value":173185510,"INTEREST ON LOANS":118231554,"FEE INCOME":45525033,"OTHER OPERATING INCOME":9428923},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":1703918,"Investment income total":246563,"Net investment gain":1457355,"Income from invest bond proceeds":0},"Other revenues":{"value":-583283,"Other total":-583283,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":155237012,"Grant expense":{"value":0,"Grants to domestic orgs":0,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":0,"Benefits paid to members Total":0},"Salaries":{"value":56588276,"Current officers":5767884,"Disqualified persons":0,"Other salaries and wages":36450398,"Pension plan contributions":1214288,"Other employee benefits":10110405,"Payroll taxes":3045301},"Other expenses":{"value":98648736,"Management services":0,"Legal":803533,"Accounting":345786,"Lobbying services":0,"Investment management fees":0,"Other services":8650781,"Advertising":5268863,"Office expenses":8914792,"Information technology":0,"Royalties":0,"Occupancy":7896344,"Travel":1477464,"Conferences and meetings":50491,"Interest":15166581,"Payments to affiliates":0,"Depreciation and depletion":7673167,"Insurance":947716,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":41453218,"OTHER SERVICE FEES":21152846,"PROVISION FOR LOAN LOSS":18418398,"LOAN SERVICING EXPENSE":1881974},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":2772897385,"Non-interest bearing cash":14046079,"Savings and temp cash investments":138589720,"Pledges and grants receivable":0,"Accounts receivable":1267699,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":2496024089,"Inventories for sale or use":0,"Prepaid expenses deferred charges":0,"Land, building, equipment":53630093,"Investments publicly traded":0,"Investments other":203575,"Investments program related":0,"Intangible assets":17882373,"Other assets":51253757},"Liabilities":{"value":2540857674,"Sum of Total Liabilities":0,"Accounts payable, accrued":44452867,"Grants payable":0,"Deferred, revenue":2039803,"Tax exempt bond liabilities":0,"Escrow account liability":7818289,"Loans from officers, directors":0,"Secured mortgages and notes payable":250227267,"Unsecured notes loans payable":0,"Other liabilities":2236319448},"Fund balance":{"value":232039711,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.0,"percentile":0.4421253816471043},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.10940023370948855,"percentile":0.6389882036301947},"Liabilities to Assets Ratio":{"score":0.9163186808660069,"percentile":0.0619730496384168},"Operating Reserve Ratio":{"score":17.862347060635255,"percentile":0.9385517209184079},"Officer Compensation Ratio":{"score":0.047444503763058775,"percentile":0.7694436318189521},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.06591777684701411,"percentile":0.6675401633494791},"Asset Growth":{"score":0.12401604123097686,"percentile":0.7362187737168077},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.6307823684910392,"percentile":0.6922089767923777}},"source_xml":"201613199349311271_public.xml"},{"Organization":{"value":null,"Person":["DAN BUCHE","GEORGE HORNBACK","PEGGY MILTENBERGER","DICK SMITH","ED ZINGLEMAN","EDWARD SPEED","JACK ANTONINI","ROLAND HENDRICKS","FRANK COE","ROBERT BALDWIN III","ANITA SEHGAL","DAVID SIKORA","ELIZABETH R KILLINGER","STEVEN J MURRAY","MANUEL S RODRIGUEZ","IRAK ULISES ROSAS","LYNDEN B ROSE","RHONDA PAVLICEK","MURSHID KHAN","MICHAEL PLAIA","JASON OSTERHAGE","ISAAC JOHNSON","BRANDY JEAN PHILLIPS","JASON SCHNEIDER","QIARA SUGGS","MICHAEL MASSEY","SHELIDUS MOYETT","JOSE DELGADO","TODD LUCAS","BONITA TUCKER","ANTHONY WARDEN","KEITH HRNYAK","JOSHUA DEAN BRIAN","ANDRES CUETO","MICHELL AZBELL","DANNY HURT","MARIE BONNETT","ETHAN PACK","JOHN GALLO","KYLE BRADEN","ALEXIS EIDSON","DEVSHREE GOLECHA","BROOKE BROWN","DANICA FERGUSON","LAURA WHITLEY","CARISSA STITH","DEIDRE BROWN","EMILY WHITE","WES GARNER","BETHANY DAVIS","PATRICK BEALE","ALAN BAGWELL","DACK VANORDEN"],"Title":["DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","BOARD MEMBER","BOARD MEMBER","EVP - CFO","SVP - CIO","SVP - CRO","EVP - CEO","PRESIDENT & CEO","CHIEF OF STAFF","SVP - CHIEF OF STAFF","SVP - CHRO","PRESIDENT","SVP CHIEF MARKETING OFFICER","SVP - CHIEF BANKING OFFICER","VP BUSINESS SERVICES","VP - SYSTEMS OPERATIONS","VP - OPERATIONS","VP - CONTROLLER","VP - STRATEGIC PARTNERSHIP","VP - CORPORATE REAL ESTATE","VP HR BUSINESS CONSULTING","VP LEARNING AND DEVELOPMEN","VP - GENERAL COUNSEL","VP - ENTERPRISE ARCHITECTU","VP - ENT INFRASTRUCTURE","VP - WEALTH MGMT","VP - STRATEGY","VP - DATA","VP - INSURANCE SVC","VP - TOTAL REWARDS","VP - COMMMUNICATIONS","VP - DIGITAL EXPERIENCE","VP - MEMBER CARE","VP - MORTGAGE LENDING","PRIN WEALTH STRATEGIST","SR WEALTH ADVISOR","WEALTH ADVISOR","DIRECTOR","MORTGAGE LOAN OFFICER 4"],"Hours":[4.0,4.0,4.0,4.0,4.0,4.0,4.0,4.0,4.0,4.0,4.0,4.0,4.0,4.0,4.0,4.0,4.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0],"Total Compensation":[0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,1430397,764841,358206,120502,919747,244842,442868,364072,413450,336262,339442,230330,241835,334795,250119,272483,286324,243285,237887,337644,287317,295635,213553,214005,257213,219972,318156,267076,232725,222974,221440,359494,370248,381560,290478,304560],"Direct compensation":[0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,1404055,735198,328684,111563,880559,215795,405452,342007,383437,318589,313346,202542,216280,300770,228947,243960,250264,221084,215868,302253,256843,263495,200827,211335,227137,207852,285050,244789,210445,195971,194370,321931,331149,343583,266748,270001],"Other compensation":[0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,26342,29643,29522,8939,39188,29047,37416,22065,30013,17673,26096,27788,25555,34025,21172,28523,36060,22201,22019,35391,30474,32140,12726,2670,30076,12120,33106,22287,22280,27003,27070,37563,39099,37977,23730,34559]},"Basic":{"value":null,"mission":"Increase economic well-being of our members through not-for-profit, cooperative financial services.","year":2022,"name":"TEXAS DOW ECU","phone":9792485633,"website":"WWW.TDECU.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"JASON SCHNEIDER","year_formation":1955,"state_legal_domicile":"TX","total_volunteers":0,"tax_period_begin":"2022-01-01T00:00:00","tax_period_end":"2022-12-31T00:00:00","address":"1001 FM 2004, LAKE JACKSON, TX, 77566, USA","city":"LAKE JACKSON","state":"TX","country":"USA","zip_code":77566},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":10,"Number of independent voting members":10,"Number of employees total":1152,"Total Gross UBI":3596996,"Net unrelated business taxable income":0,"Number of employees":1152,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":true,"Premiums Paid":true,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":305738994,"Contributions":{"value":0,"Other contributions":0,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":302019969,"Total revenue":{"value":302019969,"INTEREST ON LOANS":214891394,"FEE INCOME":68156721,"OTHER OPERATING INCOME":18971854},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":3918565,"Investment income total":4782691,"Net investment gain":-864126,"Income from invest bond proceeds":0},"Other revenues":{"value":-199540,"Other total":-199540,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":271712823,"Grant expense":{"value":0,"Grants to domestic orgs":0,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":0,"Benefits paid to members Total":0},"Salaries":{"value":101236301,"Current officers":11652181,"Disqualified persons":0,"Other salaries and wages":62930856,"Pension plan contributions":4621706,"Other employee benefits":16422263,"Payroll taxes":5609295},"Other expenses":{"value":170476522,"Management services":0,"Legal":1225411,"Accounting":281407,"Lobbying services":0,"Investment management fees":0,"Other services":22905381,"Advertising":10122186,"Office expenses":8164713,"Information technology":1686496,"Royalties":0,"Occupancy":7860266,"Travel":2264090,"Conferences and meetings":0,"Interest":26548887,"Payments to affiliates":0,"Depreciation and depletion":9924198,"Insurance":707968,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":78785519,"OTHER SERVICE FEES":38709948,"PROVISION FOR LOAN LOSS":34191045,"LOAN SERVICING EXPENSE":5884526},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":4701048632,"Non-interest bearing cash":12903314,"Savings and temp cash investments":156555276,"Pledges and grants receivable":0,"Accounts receivable":5888845,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":4294472179,"Inventories for sale or use":0,"Prepaid expenses deferred charges":0,"Land, building, equipment":56472389,"Investments publicly traded":0,"Investments other":69753917,"Investments program related":0,"Intangible assets":3615961,"Other assets":101386751},"Liabilities":{"value":4262014516,"Sum of Total Liabilities":0,"Accounts payable, accrued":65885772,"Grants payable":0,"Deferred, revenue":921479,"Tax exempt bond liabilities":0,"Escrow account liability":13002303,"Loans from officers, directors":0,"Secured mortgages and notes payable":271798751,"Unsecured notes loans payable":0,"Other liabilities":3910406211},"Fund balance":{"value":439034116,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.0,"percentile":0.4421253816471043},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.11129156459512653,"percentile":0.6420462801825838},"Liabilities to Assets Ratio":{"score":0.9066093226495259,"percentile":0.06356281125406198},"Operating Reserve Ratio":{"score":17.301533950791864,"percentile":0.9363681246272679},"Officer Compensation Ratio":{"score":0.046467210713864615,"percentile":0.7742757553306469},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.08417748791317489,"percentile":0.7243490839903456},"Asset Growth":{"score":0.08323319917656846,"percentile":0.6381215012670926},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.6311704634328541,"percentile":0.6932598962919441}},"source_xml":"202313199349317361_public.xml"},{"Organization":{"value":null,"Person":["DAN BUCHE","GEORGE HORNBACK","PEGGY MILTENBERGER","DICK SMITH","ED ZINGLEMAN","EDWARD SPEED","JACK ANTONINI","ROLAND HENDRICKS","FRANK COE","ROBERT BALDWIN III","ANITA SEHGAL","DAVID SIKORA","ELIZABETH R KILLINGER","STEVEN J MURRAY","MANUEL S RODRIGUEZ","STEPHANIE SHERRODD","RHONDA PAVLICEK","MURSHID KHAN","ALEXIS ALEJANDRO DE LA CRUZ","THOMAS DALLAM","ANDREI SIMESCU","DAN TABRAHAM","ISAAC JOHNSON","CASEY WILCOX","MICHAEL HUBBELL","MILTON LUCAS","MARGARET HARTENSTINE","BRANDY JEAN PHILLIPS","INGEBORG BURCH","BONITA TUCKER","JASON SCHNEIDER","MARK RICHARD COOL","ANTHONY WARDEN","KEITH HRNYAK","GERALD A EICHHORST","JOSHUA DEAN BRIAN","ANDRES CUETO","MICHELL AZBELL","DANNY HURT","CHANTA ROSENSTOCK","ANNIE MATHEW","CHERYL BRUCE CUELLAR","NICOL ROBINSON","DACKRY VANORDEN","TRENT WAYNE","GINO ABRAHAM","JENNIFER KELLY DOMINIQUINI"],"Title":["DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","PRESIDENT","SENIOR VP & CFO","SENIOR VP & CIO","SENIOR VP - CGSMO","SENIOR VP & CPO","SENIOR VP & CCEO","SENIOR VP & CCRO","SENIOR VP & CALDO","SENIOR VP PRESIDENT","VP - RISK MANAGEMENT","VP BUSINESS SERVICES","VP - WHOLESALE LENDING","VP - MORTGAGE LENDING","VP - PRODUCT MANAGEMENT","VP - OPERATIONS","VP - FINANCE","VP - MARKETING","VP - MEMBER CARE","VP - CONTROLLER","VP - DIGITAL EXPERIENCE","VP - STRATEGIC PARTNERSHIP","VP - CORPORATE REAL ESTATE","VP HR BUSINESS CONSULTING","VP LEARNING AND DEVELOPMENT","VP RETAIL","VP TOTAL REWARDS","MORTGAGE LOAN OFFICER","MORTGAGE LOAN OFFICER","MORTGAGE LOAN OFFICER","MORTGAGE LOAN OFFICER","MORTGAGE LOAN OFFICER","FORMER SENIOR VP & CDEO"],"Hours":[4.0,4.0,4.0,4.0,4.0,4.0,4.0,4.0,4.0,4.0,4.0,4.0,4.0,4.0,4.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0],"Total Compensation":[45395,17673,24750,47625,31426,31173,18058,41322,26625,12770,24750,25500,21375,30986,18000,950671,713884,571755,472820,388862,379302,334963,187021,259321,188911,216044,188510,228234,282869,270667,298211,288140,290109,255736,269134,198457,244166,213451,203974,291399,233313,449451,423763,358787,358299,343537,214775],"Direct compensation":[42375,17673,24750,44250,31125,31173,9750,41322,26625,9750,24750,25500,21375,24750,14625,923825,687242,547722,446261,370750,361352,314100,181235,250101,168652,195681,171315,205875,268714,248098,274088,269090,266866,235611,251130,178275,226148,194395,188203,275074,225393,426541,403940,343025,335002,326655,211007],"Other compensation":[3020,0,0,3375,301,0,8308,0,0,3020,0,0,0,6236,3375,26846,26642,24033,26559,18112,17950,20863,5786,9220,20259,20363,17195,22359,14155,22569,24123,19050,23243,20125,18004,20182,18018,19056,15771,16325,7920,22910,19823,15762,23297,16882,3768]},"Basic":{"value":null,"mission":"Increase economic well-being of our members through not-for-profit, cooperative financial services.","year":2020,"name":"TEXAS DOW ECU","phone":3615809629,"website":"WWW.TDECU.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"RHONDA PAVLICEK","year_formation":1955,"state_legal_domicile":"TX","total_volunteers":0,"tax_period_begin":"2020-01-01T00:00:00","tax_period_end":"2020-12-31T00:00:00","address":"1001 FM 2004, LAKE JACKSON, TX, 77566, USA","city":"LAKE JACKSON","state":"TX","country":"USA","zip_code":77566},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":10,"Number of independent voting members":10,"Number of employees total":1023,"Total Gross UBI":3039220,"Net unrelated business taxable income":0,"Number of employees":1023,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":true,"Premiums Paid":true,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":275897727,"Contributions":{"value":0,"Other contributions":0,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":270574904,"Total revenue":{"value":270574904,"INTEREST ON LOANS":187752519,"FEE INCOME":55303234,"OTHER OPERATING INCOME":27519151},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":5247776,"Investment income total":1898868,"Net investment gain":3348908,"Income from invest bond proceeds":0},"Other revenues":{"value":75047,"Other total":75047,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":245395267,"Grant expense":{"value":0,"Grants to domestic orgs":0,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":0,"Benefits paid to members Total":0},"Salaries":{"value":83005357,"Current officers":8419924,"Disqualified persons":56222999,"Other salaries and wages":0,"Pension plan contributions":2439102,"Other employee benefits":11357733,"Payroll taxes":4565599},"Other expenses":{"value":162389910,"Management services":0,"Legal":1479514,"Accounting":158413,"Lobbying services":0,"Investment management fees":0,"Other services":13070937,"Advertising":5303430,"Office expenses":7755401,"Information technology":1580065,"Royalties":0,"Occupancy":6945098,"Travel":831127,"Conferences and meetings":0,"Interest":34049692,"Payments to affiliates":0,"Depreciation and depletion":7596343,"Insurance":684495,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":82935395,"PROVISION FOR LOAN LOSS":45308953,"OTHER SERVICE FEES":31915888,"LOAN SERVICING EXPENSE":5710554},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":4100727242,"Non-interest bearing cash":14480238,"Savings and temp cash investments":311124513,"Pledges and grants receivable":0,"Accounts receivable":3415823,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":3609852657,"Inventories for sale or use":0,"Prepaid expenses deferred charges":0,"Land, building, equipment":52160646,"Investments publicly traded":0,"Investments other":24485350,"Investments program related":0,"Intangible assets":9961987,"Other assets":75246028},"Liabilities":{"value":3753123220,"Sum of Total Liabilities":0,"Accounts payable, accrued":53503876,"Grants payable":0,"Deferred, revenue":1470116,"Tax exempt bond liabilities":0,"Escrow account liability":20668319,"Loans from officers, directors":0,"Secured mortgages and notes payable":215480059,"Unsecured notes loans payable":0,"Other liabilities":3462000850},"Fund balance":{"value":347604022,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.0,"percentile":0.4421253816471043},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.11055712684432518,"percentile":0.6408379272416231},"Liabilities to Assets Ratio":{"score":0.9152335667586448,"percentile":0.06213999406783966},"Operating Reserve Ratio":{"score":16.71070225653537,"percentile":0.9339624300183156},"Officer Compensation Ratio":{"score":0.04476844290562458,"percentile":0.7828767788968947},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.08585305829378953,"percentile":0.7289570589590664},"Asset Growth":{"score":0.08227482453528125,"percentile":0.6353708772530879},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.6315310627381128,"percentile":0.6942106234662425}},"source_xml":"202133199349310193_public.xml"},{"Organization":{"value":null,"Person":["DAN BUCHE","GEORGE HORNBACK","PEGGY MILTENBERGER","DAVID OZUNA","DICK SMITH","ED ZINGLEMAN","EDWARD SPEED","JACK ANTONINI","ROLAND HENDRICKS","FRANK COE","ROBERT BALDWIN III","ANITA SEHGAL","DAVID SIKORA","STEPHANIE SHERRODD","MILTON STEVENS","ISAAC JOHNSON","RHONDA PAVLICEK","CHARLES SMITH","COURTLAND CROUCHET","MURSHID KHAN","MICHAEL HUBBELL","ALEXIS ALEJANDRO DE LA CRUZ","WESLEY GARNER","MILTON LUCAS","GARY LANIER","ETHAN RODNEY PACK","CONNIE CLARK","BONITA TUCKER","LORETTA WILLIAMS","JASON SCHNEIDER","LUKE BILLERI II","ANTHONY WARDEN","KEITH HRNYAK","JOHN GALLO","MARCUS MANNING","LUCILLA HENDERSON","BETHANY DAVIS","PATRICK BEALE","KEVIN MCCOY II","MARGARET HARTENSTINE"],"Title":["DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","PRESIDENT","SENIOR VP- RETAIL LENDING","SENIOR VP & CRO","SENIOR VP & CFO","SENIOR VP & CLO","SENIOR VP - CRO","SENIOR VP & CIO","VP - CRO","SENIOR VP - CGSMO","PRES - WEALTH MANAGEMENT","VP BUSINESS SERVICES","VP-STRATEGIC INITIATIVES","DIRECTOR - ENTERPRISE ARCH","PRESIDENT-INS AGENCY","VP - OPERATIONS","VP - MORTGAGE LENDING","VP - FINANCE","VP - MEMBER CENTERS","VP - MEMBER CARE","VP - CONTROLLER","DIRECTOR - INFO. SEC.","DIRECTOR - INFO MGMT ANALYTICS","VP- COMMUNITY & BUSINESS E","WEALTH ADVISOR","WEALTH ADVISOR","WEALTH ADVISOR","VP - WHOLESALE LENDING"],"Hours":[4.0,4.0,4.0,4.0,4.0,4.0,4.0,4.0,4.0,4.0,4.0,4.0,4.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0],"Total Compensation":[37920,14726,22500,2570,40933,25854,30750,12375,35786,21375,13125,22500,12750,1213395,443900,153286,508325,355695,351075,287681,173913,152233,379912,193010,219085,180564,206781,232542,182851,242383,184890,215121,215582,210661,214604,167007,327805,264318,334888,161250],"Direct compensation":[34500,14726,22500,2570,37125,25500,27375,9000,35786,21375,9750,22500,12750,1190855,421660,152370,486085,337903,329208,270649,159042,150017,360128,174743,199700,168066,194185,213083,165065,222125,171877,195954,198445,191674,205228,148353,304524,241830,312848,145112],"Other compensation":[3420,0,0,0,3808,354,3375,3375,0,0,3375,0,0,22540,22240,916,22240,17792,21867,17032,14871,2216,19784,18267,19385,12498,12596,19459,17786,20258,13013,19167,17137,18987,9376,18654,23281,22488,22040,16138]},"Basic":{"value":null,"mission":"Increase economic well-being of our members through not-for-profit, cooperative financial services.","year":2018,"name":"TEXAS DOW ECU","phone":3615809629,"website":"WWW.TDECU.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"RHONDA PAVLICEK","year_formation":1955,"state_legal_domicile":"TX","total_volunteers":0,"tax_period_begin":"2018-01-01T00:00:00","tax_period_end":"2018-12-31T00:00:00","address":"1001 FM 2004, LAKE JACKSON, TX, 77566, USA","city":"LAKE JACKSON","state":"TX","country":"USA","zip_code":77566},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":11,"Number of independent voting members":11,"Number of employees total":957,"Total Gross UBI":2976511,"Net unrelated business taxable income":-4297790,"Number of employees":957,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":true,"Premiums Paid":true,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":218948213,"Contributions":{"value":0,"Other contributions":0,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":217190502,"Total revenue":{"value":217190502,"INTEREST ON LOANS":147344534,"FEE INCOME":57792687,"OTHER OPERATING INCOME":12053281},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":2167801,"Investment income total":2084119,"Net investment gain":83682,"Income from invest bond proceeds":0},"Other revenues":{"value":-410090,"Other total":-410090,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":183663255,"Grant expense":{"value":0,"Grants to domestic orgs":0,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":0,"Benefits paid to members Total":0},"Salaries":{"value":61717006,"Current officers":6517492,"Disqualified persons":0,"Other salaries and wages":40252517,"Pension plan contributions":1717299,"Other employee benefits":9698852,"Payroll taxes":3530846},"Other expenses":{"value":121946249,"Management services":0,"Legal":872521,"Accounting":301074,"Lobbying services":0,"Investment management fees":0,"Other services":11871953,"Advertising":6081257,"Office expenses":6688899,"Information technology":1666825,"Royalties":0,"Occupancy":9731035,"Travel":2371982,"Conferences and meetings":0,"Interest":18843011,"Payments to affiliates":0,"Depreciation and depletion":8292439,"Insurance":642631,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":54582622,"OTHER SERVICE FEES":30141799,"PROVISION FOR LOAN LOSS":20499022,"LOAN SERVICING EXPENSE":3941801},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":3269360348,"Non-interest bearing cash":11205404,"Savings and temp cash investments":108965350,"Pledges and grants receivable":0,"Accounts receivable":1389330,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":2990230129,"Inventories for sale or use":0,"Prepaid expenses deferred charges":0,"Land, building, equipment":58542182,"Investments publicly traded":0,"Investments other":19028761,"Investments program related":0,"Intangible assets":11474061,"Other assets":68525131},"Liabilities":{"value":2978126438,"Sum of Total Liabilities":0,"Accounts payable, accrued":30600725,"Grants payable":0,"Deferred, revenue":904682,"Tax exempt bond liabilities":0,"Escrow account liability":12327358,"Loans from officers, directors":0,"Secured mortgages and notes payable":315592519,"Unsecured notes loans payable":0,"Other liabilities":2618701154},"Fund balance":{"value":291233910,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.0,"percentile":0.4421253816471043},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.16115663844216896,"percentile":0.7128648521739449},"Liabilities to Assets Ratio":{"score":0.91092021710664,"percentile":0.06284873974367168},"Operating Reserve Ratio":{"score":17.80084071797595,"percentile":0.9383215389493558},"Officer Compensation Ratio":{"score":0.043916901069841106,"percentile":0.7872356531986812},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.07109594682193439,"percentile":0.6851038859123743},"Asset Growth":{"score":0.08125740197602865,"percentile":0.6324374577180222},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.6410566256941035,"percentile":0.7191107161191452}},"source_xml":"201933189349311928_public.xml"},{"Organization":{"value":null,"Person":["SMITH RICHARD B","CHIBIB ADAM","SIKORA DAVID","BUCHE DANIEL L","COE FRANK CURTIS","KILLINGER ELIZABETH","MILTENBERGER PEGGY","MONTANA GREG","ROSE LYNDEN","HORNBACK GEORGE R","ZINGLEMAN EDWARD L","HENDRICKS ROLAND K","ANTONINI JACK","BALDWIN III ROBERT","ISAAC JOHNSON","JASON SCHNEIDER","MICHAEL MASSEY","QIARA SUGGS","JOSE DELGADO","SHEILUDIS MOYETT","APARNA DAVE","ASHISH CHOPRA","ANTHONY WARDEN","MICHAEL PLAIA TERMINATED","MARIE BONNETT TERMINATED","BRANDY PHILLIPS","JOSHUA BRIAN"],"Title":["BOARD MEMBER","BOARD MEMBER","BOD CHAIRPERSON","BOD MEMBER","BOD MEMBER","BOD MEMBER","BOD MEMBER","BOD MEMBER","BOD MEMBER","BOD SECRETARY","BOD TREASURER","BOD VICE CHAIRPERSON","HOLDINGS BOARD MEMBER","HOLDINGS BOARD MEMBER","PRESIDENT AND CHIEF EXECUTIVE OFFICER","CHIEF FINANCE AND RISK OFFICER","HOLDINGS PRESIDENT AND SVP TDECU","CHIEF HUMAN CAPITAL OFFICER","CHIEF BANKING OFFICER","CHIEF MARKETING AND DIGITAL OFFICER","CHIEF LEGAL OFFICER","CHIEF INFORMATION AND TECHNOLOGY OFFICER","SVP - MEMBER EXPERIENCE","SVP - CHIEF RISK OFFICER","VP - GENERAL COUNSEL","SVP - OPERATIONS","VP - MARKET PRESIDENT"],"Hours":[1.0,1.0,2.0,2.0,2.0,1.0,1.0,1.0,1.0,1.0,1.0,2.0,0.0,0.0,40.0,40.0,0.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0],"Total Compensation":[0,0,0,0,0,0,0,0,0,0,0,0,0,0,1378970,630786,597546,546433,541774,498749,230866,199765,615906,458964,366579,449118,372209],"Direct compensation":[0,0,0,0,0,0,0,0,0,0,0,0,0,0,1066405,465782,435979,389032,398977,350137,207994,199605,481701,432086,361200,356837,285419],"Other compensation":[0,0,0,0,0,0,0,0,0,0,0,0,0,0,312565,165004,161567,157401,142797,148612,22872,160,134205,26878,5379,92281,86790]},"Basic":{"value":null,"mission":"Increase economic well-being of our members through not-for-profit, cooperative financial services.","year":2023,"name":"TEXAS DOW EMPLOYEES CREDIT UNION","phone":9792485633,"website":"WWW.TDECU.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"ISAAC JOHNSON","year_formation":1955,"state_legal_domicile":"TX","total_volunteers":14,"tax_period_begin":"2023-01-01T00:00:00","tax_period_end":"2023-12-31T00:00:00","address":"1001 FM 2004, LAKE JACKSON, TX, 77566, USA","city":"LAKE JACKSON","state":"TX","country":"USA","zip_code":77566},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":14,"Number of independent voting members":14,"Number of employees total":1118,"Total Gross UBI":3121819,"Net unrelated business taxable income":0,"Number of employees":1118,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":348738510,"Contributions":{"value":0,"Other contributions":0,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":304387311,"Total revenue":{"value":304387311,"INTEREST ON LOANS":247709302,"FEE INCOME":32795791,"OTHER OPERATING INCOME":20760399,"FINANCE AND INSURANCE":3121819},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":9317712,"Investment income total":9297680,"Net investment gain":20032,"Income from invest bond proceeds":0},"Other revenues":{"value":35033487,"Other total":35033487,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":315843296,"Grant expense":{"value":695001,"Grants to domestic orgs":495501,"Grants to domestic individuals":199500,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":0,"Benefits paid to members Total":0},"Salaries":{"value":100864090,"Current officers":4624889,"Disqualified persons":0,"Other salaries and wages":68381435,"Pension plan contributions":3694794,"Other employee benefits":18670968,"Payroll taxes":5492004},"Other expenses":{"value":214284205,"Management services":1062,"Legal":1411517,"Accounting":110077,"Lobbying services":0,"Investment management fees":0,"Other services":11596466,"Advertising":9050584,"Office expenses":8152819,"Information technology":15629354,"Royalties":0,"Occupancy":7559248,"Travel":1648910,"Conferences and meetings":101153,"Interest":55298275,"Payments to affiliates":0,"Depreciation and depletion":10217247,"Insurance":672188,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":92201968,"OTHER SERVICES EXPENSES":42279279,"PROVISION LOAN LOSSES":41340576,"LOAN SERVICING":7428108,"MISCELLANEOUS EXPENSES":1154005},"All other expenses":633337},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":4690360790,"Non-interest bearing cash":13736092,"Savings and temp cash investments":229045675,"Pledges and grants receivable":0,"Accounts receivable":13745473,"Receivables from officers":2582406,"Receivables from disqual persons":0,"Other net note and loans":4194879846,"Inventories for sale or use":0,"Prepaid expenses deferred charges":7360170,"Land, building, equipment":57251210,"Investments publicly traded":14771200,"Investments other":52776324,"Investments program related":0,"Intangible assets":20504800,"Other assets":83707594},"Liabilities":{"value":4224946932,"Sum of Total Liabilities":0,"Accounts payable, accrued":85315702,"Grants payable":0,"Deferred, revenue":1712500,"Tax exempt bond liabilities":0,"Escrow account liability":17373526,"Loans from officers, directors":0,"Secured mortgages and notes payable":309973900,"Unsecured notes loans payable":0,"Other liabilities":3810571304},"Fund balance":{"value":465413858,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.0,"percentile":0.4421253816471043},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.09432630196189117,"percentile":0.613322982815872},"Liabilities to Assets Ratio":{"score":0.9007722691626885,"percentile":0.06453969221592408},"Operating Reserve Ratio":{"score":14.850278126530188,"percentile":0.9254562059099979},"Officer Compensation Ratio":{"score":0.021807222401833092,"percentile":0.9029941681436372},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.0861300897509594,"percentile":0.729702330808312},"Asset Growth":{"score":0.07745225966958126,"percentile":0.6210592776156512},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.6326777418212761,"percentile":0.6973465832517229}},"source_xml":"202443209349317134_public.xml"},{"Organization":{"value":null,"Person":["DAN BUCHE","GEORGE HORNBACK","PEGGY MILTENBERGER","DAVID OZUNA","DICK SMITH","MARCUS STEPHENSON","MIKE TRACY","ED ZINGLEMAN","ED SPEED","JACK ANTONINI","ROLAND HENDRICKS","FRANK COE","EILEEN CAMPBELL","ROBERT BALDWIN","STEPHANIE SHERRODD","MILTON STEVENS","ROBERT LOCKETT III","RHONDA KLEINECKE","CHARLES SMITH","COURTLAND CROUCHET","EDWARD BIRDSONG","LUCILLA HENDERSON","JEFFREY CALLAN","SHAMIK DARU","GARY LANIER","TANGY NAPIER","VANDI THERIOT","WESLEY WOLF","BONITA TUCKER","TAMMIE BELL","BETHANY DAVIS","CHARLES MAGUIRE","ROBYN COCHRAN","JANICE ARIZMENDI"],"Title":["DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","PRESIDENT & CEO","SENIOR VP & CIO","SENIOR VP & CSO","SENIOR VP & CFO","SENIOR VP & CLO","SENIOR VP & CRO","PRESIDENT - TDECU RE","VP- COMMUNITY RELATIONS","VP-RETAIL WEALTH MGMT","VP & CONTROLLER","VP-RETAIL LANDING","VP-RETAIL DELIVERY","VP-TALENT SERVICES","PRESIDENT-INS AGENCY","VP-SERVICE OPERATIONS","REAL ESTATE AGENT","FINANCIAL ADVISOR","VP-COMMUNITY RELATIONS","PRODUCING REGIONAL SALES MANAGER","OPERATIONS ANALYST"],"Hours":[4.0,4.0,4.0,4.0,4.0,4.0,4.0,4.0,4.0,4.0,4.0,4.0,4.0,4.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0],"Total Compensation":[29400,16081,16200,17000,30467,13950,16075,13775,25666,5200,18850,9775,6400,5200,649274,322000,389170,328255,230306,198681,401874,203159,217927,200100,213743,191853,198616,307187,186709,256914,340824,215086,299980,239887],"Direct compensation":[29400,16081,16200,17000,30467,13950,16075,13775,25666,5200,18850,9775,6400,5200,630424,299170,374614,305444,208966,176735,376400,180280,198417,185544,190806,176379,181360,284649,165613,233012,316684,193387,275904,215809],"Other compensation":[0,0,0,0,0,0,0,0,0,0,0,0,0,0,18850,22830,14556,22811,21340,21946,25474,22879,19510,14556,22937,15474,17256,22538,21096,23902,24140,21699,24076,24078]},"Basic":{"value":null,"mission":"Increase economic well-being of our members through not-for-profit, cooperative financial services.","year":2013,"name":"TEXAS DOW ECU","phone":3615809129,"website":"WWW.TDECU.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"RHONDA KLEINECKE","year_formation":1955,"state_legal_domicile":"TX","total_volunteers":0,"tax_period_begin":"2013-01-01T00:00:00","tax_period_end":"2013-12-31T00:00:00","address":"1001 FM 2004, LAKE JACKSON, TX, 77566, USA","city":"LAKE JACKSON","state":"TX","country":"USA","zip_code":77566},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":10,"Number of independent voting members":10,"Number of employees total":891,"Total Gross UBI":3603802,"Net unrelated business taxable income":-4066682,"Number of employees":891,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":true,"Premiums Paid":true,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":152920878,"Contributions":{"value":0,"Other contributions":0,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":152699284,"Total revenue":{"value":152699284,"INTEREST ON LOANS":106893710,"FEE INCOME":38335423,"OTHER OPERATING INCOME":7470151},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":330321,"Investment income total":259098,"Net investment gain":71223,"Income from invest bond proceeds":0},"Other revenues":{"value":-108727,"Other total":-108727,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":124270976,"Grant expense":{"value":0,"Grants to domestic orgs":0,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":0,"Benefits paid to members Total":0},"Salaries":{"value":48071864,"Current officers":4462888,"Disqualified persons":0,"Other salaries and wages":31499669,"Pension plan contributions":841860,"Other employee benefits":8536087,"Payroll taxes":2731360},"Other expenses":{"value":76199112,"Management services":0,"Legal":483502,"Accounting":162278,"Lobbying services":0,"Investment management fees":0,"Other services":6055365,"Advertising":3838596,"Office expenses":6512643,"Information technology":0,"Royalties":0,"Occupancy":4984875,"Travel":1627552,"Conferences and meetings":43682,"Interest":14142372,"Payments to affiliates":0,"Depreciation and depletion":5107521,"Insurance":985784,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":32254942,"OTHER SERVICE FEES":17641170,"PROVISION FOR LOAN LOSS":11859117,"LOAN SERVICING EXPENSE":1991065,"LOSSES ON OREO PROPERTY":763590},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":2163885036,"Non-interest bearing cash":12027341,"Savings and temp cash investments":140234409,"Pledges and grants receivable":0,"Accounts receivable":14128622,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":1902070856,"Inventories for sale or use":0,"Prepaid expenses deferred charges":0,"Land, building, equipment":48347256,"Investments publicly traded":0,"Investments other":360714,"Investments program related":0,"Intangible assets":4944930,"Other assets":41770908},"Liabilities":{"value":1970473843,"Sum of Total Liabilities":0,"Accounts payable, accrued":11080061,"Grants payable":0,"Deferred, revenue":394061,"Tax exempt bond liabilities":0,"Escrow account liability":5602739,"Loans from officers, directors":0,"Secured mortgages and notes payable":130168546,"Unsecured notes loans payable":0,"Other liabilities":1823228436},"Fund balance":{"value":193411193,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.0,"percentile":0.4421253816471043},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.18735114769613082,"percentile":0.7432118546984631},"Liabilities to Assets Ratio":{"score":0.9106185449863243,"percentile":0.06289585289553334},"Operating Reserve Ratio":{"score":17.412634113374953,"percentile":0.9368133317192976},"Officer Compensation Ratio":{"score":0.04679760461525626,"percentile":0.7726376976938747},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":null,"percentile":null},"Asset Growth":{"score":null,"percentile":null},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.6420361413371929,"percentile":0.7215915260891016}},"source_xml":"201442839349300834_public.xml"},{"Organization":{"value":null,"Person":["DAN BUCHE","GEORGE HORNBACK","PEGGY MILTENBERGER","DAVID OZUNA","DICK SMITH","CARRIE FISHER","ED ZINGLEMAN","EDWARD SPEED","JACK ANTONINI","ROLAND HENDRICKS","FRANK COE","EILEEN CAMPBELL","ROBERT BALDWIN III","ANITA SEHGAL","DAVID SIKORA","STEPHANIE SHERRODD","MILTON STEVENS","ISAAC JOHNSON","RHONDA PAVLICEK","CHARLES SMITH","COURTLAND CROUCHET","TIMOTHY BENNETT","LUCILLA HENDERSON","WESLEY GARNER","MILTON LUCAS","GARY LANIER","TANGY NAPIER","VANDI THERIOT","WESLEY WOLFF","BONITA TUCKER","ANDREW WAYMAN","JASON SCHNEIDER","LORETTA WILLIAMS","LUKE BILLERI II","RACHEL DECKER","JOHN GALLO","PATRICK BEALE","BETHANY DAVIS","MARCUS MANNING"],"Title":["DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","PRESIDENT","SENIOR VP- RETAIL LENDING","SENIOR VP & CRO","SENIOR VP & CFO","SENIOR VP & CLO","SENIOR VP - CRO","VP - CHIEF BRAND OFFICER","VP- COMMUNITY RELATIONS","VP - WEALTH MANAGEMENT","VP BUSINESS SERVICES","VP-STRATEGIC INITIATIVES","VP-MEMBER EXPERIENCE","VP-TALENT SERVICES","PRESIDENT-INS AGENCY","VP - OPERATIONS","VP - DIGITAL STRATEGY","VP - FINANCE","VP - RESIDENTIAL LENDING","VP - MEMBER CENTERS","REGIONAL VP - DALLAS","DIRECTOR - A & S","WEALTH ADVISOR","WEALTH ADVISOR","DIRECTOR - SIO"],"Hours":[4.0,4.0,4.0,4.0,4.0,4.0,4.0,4.0,4.0,4.0,4.0,4.0,4.0,4.0,4.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0],"Total Compensation":[45567,16291,20625,15750,52789,17250,23326,42192,25690,28125,20250,19500,9000,21375,13125,810354,355448,276504,421442,355681,350606,293186,195056,343378,177777,207960,209512,215280,251937,210729,263400,215884,179740,187497,162314,187077,191629,320107,178916],"Direct compensation":[37971,15833,20625,15750,43832,17250,23288,34596,16970,28125,20250,19500,9000,21375,13125,789853,334947,274653,400941,339387,330105,279692,177352,325883,160552,189568,195053,210148,234535,193348,242903,198290,162731,173219,157312,169941,174305,300584,167939],"Other compensation":[7596,458,0,0,8957,0,38,7596,8720,0,0,0,0,0,0,20501,20501,1851,20501,16294,20501,13494,17704,17495,17225,18392,14459,5132,17402,17381,20497,17594,17009,14278,5002,17136,17324,19523,10977]},"Basic":{"value":null,"mission":"Increase economic well-being of our members through not-for-profit, cooperative financial services.","year":2016,"name":"TEXAS DOW ECU","phone":3615809129,"website":"WWW.TDECU.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"RHONDA PAVLICEK","year_formation":1955,"state_legal_domicile":"TX","total_volunteers":0,"tax_period_begin":"2016-01-01T00:00:00","tax_period_end":"2016-12-31T00:00:00","address":"1001 FM 2004, LAKE JACKSON, TX, 77566, USA","city":"LAKE JACKSON","state":"TX","country":"USA","zip_code":77566},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":15,"Number of independent voting members":15,"Number of employees total":928,"Total Gross UBI":3229096,"Net unrelated business taxable income":-4327246,"Number of employees":928,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":true,"Premiums Paid":true,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":186160377,"Contributions":{"value":0,"Other contributions":0,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":185672486,"Total revenue":{"value":185672486,"INTEREST ON LOANS":124994547,"FEE INCOME":49267208,"OTHER OPERATING INCOME":11410731},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":506516,"Investment income total":506516,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":-18625,"Other total":-18625,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":184084964,"Grant expense":{"value":0,"Grants to domestic orgs":0,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":0,"Benefits paid to members Total":0},"Salaries":{"value":55427782,"Current officers":5521377,"Disqualified persons":0,"Other salaries and wages":37961765,"Pension plan contributions":1269903,"Other employee benefits":7441828,"Payroll taxes":3232909},"Other expenses":{"value":128657182,"Management services":0,"Legal":460005,"Accounting":83221,"Lobbying services":0,"Investment management fees":0,"Other services":9212778,"Advertising":4394652,"Office expenses":8292080,"Information technology":1524512,"Royalties":0,"Occupancy":7725324,"Travel":1601453,"Conferences and meetings":0,"Interest":16105800,"Payments to affiliates":0,"Depreciation and depletion":8056601,"Insurance":861244,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":70339512,"PROVISION FOR LOAN LOSS":38890546,"OTHER SERVICE FEES":28578400,"LOAN SERVICING EXPENSE":2870566},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":2968593489,"Non-interest bearing cash":12867551,"Savings and temp cash investments":101621121,"Pledges and grants receivable":0,"Accounts receivable":1254423,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":2726402141,"Inventories for sale or use":0,"Prepaid expenses deferred charges":0,"Land, building, equipment":49039697,"Investments publicly traded":0,"Investments other":160709,"Investments program related":0,"Intangible assets":16084803,"Other assets":61163044},"Liabilities":{"value":2733417536,"Sum of Total Liabilities":0,"Accounts payable, accrued":50591380,"Grants payable":0,"Deferred, revenue":1717108,"Tax exempt bond liabilities":0,"Escrow account liability":9749481,"Loans from officers, directors":0,"Secured mortgages and notes payable":330299488,"Unsecured notes loans payable":0,"Other liabilities":2341060079},"Fund balance":{"value":235175953,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.0,"percentile":0.4421253816471043},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.011148521685686101,"percentile":0.4282387333673142},"Liabilities to Assets Ratio":{"score":0.9207786603752132,"percentile":0.0612798717866782},"Operating Reserve Ratio":{"score":16.12621381179182,"percentile":0.9314443726571305},"Officer Compensation Ratio":{"score":0.03765798601563135,"percentile":0.8195035327638389},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.0681435174741267,"percentile":0.6751989374696761},"Asset Growth":{"score":0.10673426140031723,"percentile":0.699160906878859},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.5923578144783889,"percentile":0.5830133411780658}},"source_xml":"201723149349300207_public.xml"},{"Organization":{"value":null,"Person":["ADAM CHIBIB","DANIEL L BUCHE","DAVID SIKORA","EDWARD L ZINGLEMAN","ELIZABETH RICHMOND KILLINGER","GREGORY MONTANA","IRAK ULISES ROSAS","JACK M ANTONINI","LAVONNE BURKE","LYNDEN B ROSE","PEGGY MILTENBERGER","ROBERT B BALDWIN III","ROLAND K HENDRICKS","JEFFREY R HARDER","DICK SMITH","FRANK COE","ISAAC JOHNSON","JASON SCHNEIDER","JOSE DELGADO","ASHISH CHOPRA","MICHAEL MASSEY","QIARA SUGGS","APARNA DAVE","SHEILUDIS MOYETT","JOSHUA BRIAN","ANTHONY WARDEN","SETH PAYNE","JANET PRUITT","BRANDY PHILLIPS","PAUL WATSON"],"Title":["BOD MEMBER","BOD VICE CHAIRPERSON","BOD MEMBER","BOD TREASURER","BOD MEMBER","BOD MEMBER","BOD MEMBER","HOLDINGS BOARD MEMBER","BOD MEMBER","BOD MEMBER","BOD MEMBER","HOLDINGS BOARD MEMBER","BOD CHAIRPERSON","BOD MEMBER","BOD MEMBER","BOD MEMBER","PRESIDENT AND CHIEF EXECUTIVE OFFICER","CHIEF FINANCE OFFICER","CHIEF BANKING OFFICER","CHIEF INFORMATION AND TECHNOLOGY OFFICER","HOLDINGS PRESIDENT AND SVP TDECU","CHIEF HUMAN CAPITAL OFFICER","CHIEF LEGAL OFFICER","CHIEF MARKETING AND DIGITAL OFFICER","CHIEF GROWTH OFFICER","SVP - MEMBER EXPERIENCE","VP - ASSOCIATE GENERAL COUNSEL - LITIGATION","CHIEF AUDIT OFFICER","SVP - OPERATIONS","SVP - COMMERCIAL LENDING"],"Hours":[2.5,2.5,5.0,2.5,2.5,2.5,2.5,1.0,2.5,2.5,2.5,1.0,2.5,2.5,2.5,2.5,40.0,40.0,40.0,40.0,1.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0],"Total Compensation":[75500,73340,481000,66249,89500,110542,16000,21687,66500,90500,143500,23773,96237,6000,120000,90000,1736480,798936,821149,649577,743213,694912,556856,626098,475284,586207,400072,428042,480501,450096],"Direct compensation":[75500,73340,481000,66249,89500,110542,16000,21687,66500,90500,143500,23773,96237,6000,120000,90000,1151863,531318,785012,536836,496659,455928,423637,406569,350978,387501,343975,361413,333325,342449],"Other compensation":[0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,584617,267618,36137,112741,246554,238984,133219,219529,124306,198706,56097,66629,147176,107647]},"Basic":{"value":null,"mission":"Increase economic well-being of our members through not-for-profit, cooperative financial services.","year":2024,"name":"TEXAS DOW EMPLOYEES CREDIT UNION","phone":9792485633,"website":"WWW.TDECU.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"ISAAC JOHNSON","year_formation":1955,"state_legal_domicile":"TX","total_volunteers":0,"tax_period_begin":"2024-01-01T00:00:00","tax_period_end":"2024-12-31T00:00:00","address":"2000 POST OAK BLVD STE 2100, HOUSTON, TX, 77056, USA","city":"HOUSTON","state":"TX","country":"USA","zip_code":77056},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":14,"Number of independent voting members":14,"Number of employees total":1070,"Total Gross UBI":6518489,"Net unrelated business taxable income":0,"Number of employees":1070,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":357942346,"Contributions":{"value":0,"Other contributions":0,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":303568991,"Total revenue":{"value":303568991,"INTEREST ON LOANS":256408850,"FEE INCOME":29224691,"OTHER OPERATING INCOME":11416961,"FINANCE AND INSURANCE":6511495,"INCOME FROM CUSO (FUTUREDGE, LLC)":6994},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":19219070,"Investment income total":19259958,"Net investment gain":-40888,"Income from invest bond proceeds":0},"Other revenues":{"value":35154285,"Other total":35154285,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":351313029,"Grant expense":{"value":665000,"Grants to domestic orgs":665000,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":0,"Benefits paid to members Total":0},"Salaries":{"value":98067869,"Current officers":8672833,"Disqualified persons":0,"Other salaries and wages":66357255,"Pension plan contributions":3551749,"Other employee benefits":14251459,"Payroll taxes":5234573},"Other expenses":{"value":252580160,"Management services":0,"Legal":3385537,"Accounting":109507,"Lobbying services":0,"Investment management fees":0,"Other services":12429417,"Advertising":10690761,"Office expenses":8586278,"Information technology":16491567,"Royalties":0,"Occupancy":7842459,"Travel":1818458,"Conferences and meetings":106132,"Interest":81220332,"Payments to affiliates":0,"Depreciation and depletion":10258553,"Insurance":779287,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":98475825,"PROVISION LOAN LOSSES":52839980,"OTHER SERVICES EXPENSES":38570449,"LOAN SERVICING":6105351,"MISCELLANEOUS EXPENSES":960045},"All other expenses":386047},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":4768473410,"Non-interest bearing cash":15486470,"Savings and temp cash investments":335897059,"Pledges and grants receivable":0,"Accounts receivable":20739877,"Receivables from officers":4594282,"Receivables from disqual persons":0,"Other net note and loans":4154447576,"Inventories for sale or use":0,"Prepaid expenses deferred charges":8377917,"Land, building, equipment":53122653,"Investments publicly traded":35342956,"Investments other":31111873,"Investments program related":0,"Intangible assets":18963346,"Other assets":90389401},"Liabilities":{"value":4295787319,"Sum of Total Liabilities":0,"Accounts payable, accrued":60353340,"Grants payable":0,"Deferred, revenue":1235294,"Tax exempt bond liabilities":0,"Escrow account liability":11203575,"Loans from officers, directors":0,"Secured mortgages and notes payable":221000000,"Unsecured notes loans payable":0,"Other liabilities":4001995110},"Fund balance":{"value":472686091,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.0,"percentile":0.4421253816471043},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.018520627900226145,"percentile":0.448401454425692},"Liabilities to Assets Ratio":{"score":0.9008726587404836,"percentile":0.06452310019287714},"Operating Reserve Ratio":{"score":13.57328939257758,"percentile":0.9186083428535168},"Officer Compensation Ratio":{"score":0.03136163503916047,"percentile":0.8526656530961194},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.0832706915595806,"percentile":0.7218696972522091},"Asset Growth":{"score":0.07142370831027896,"percentile":0.6023244188742544},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.5962262025882293,"percentile":0.5944022687862109}},"source_xml":"202503219349316640_public.xml"}],"Latest":{"Organization":{"value":null,"Person":["ADAM CHIBIB","DANIEL L BUCHE","DAVID SIKORA","EDWARD L ZINGLEMAN","ELIZABETH RICHMOND KILLINGER","GREGORY MONTANA","IRAK ULISES ROSAS","JACK M ANTONINI","LAVONNE BURKE","LYNDEN B ROSE","PEGGY MILTENBERGER","ROBERT B BALDWIN III","ROLAND K HENDRICKS","JEFFREY R HARDER","DICK SMITH","FRANK COE","ISAAC JOHNSON","JASON SCHNEIDER","JOSE DELGADO","ASHISH CHOPRA","MICHAEL MASSEY","QIARA SUGGS","APARNA DAVE","SHEILUDIS MOYETT","JOSHUA BRIAN","ANTHONY WARDEN","SETH PAYNE","JANET PRUITT","BRANDY PHILLIPS","PAUL WATSON"],"Title":["BOD MEMBER","BOD VICE CHAIRPERSON","BOD MEMBER","BOD TREASURER","BOD MEMBER","BOD MEMBER","BOD MEMBER","HOLDINGS BOARD MEMBER","BOD MEMBER","BOD MEMBER","BOD MEMBER","HOLDINGS BOARD MEMBER","BOD CHAIRPERSON","BOD MEMBER","BOD MEMBER","BOD MEMBER","PRESIDENT AND CHIEF EXECUTIVE OFFICER","CHIEF FINANCE OFFICER","CHIEF BANKING OFFICER","CHIEF INFORMATION AND TECHNOLOGY OFFICER","HOLDINGS PRESIDENT AND SVP TDECU","CHIEF HUMAN CAPITAL OFFICER","CHIEF LEGAL OFFICER","CHIEF MARKETING AND DIGITAL OFFICER","CHIEF GROWTH OFFICER","SVP - MEMBER EXPERIENCE","VP - ASSOCIATE GENERAL COUNSEL - LITIGATION","CHIEF AUDIT OFFICER","SVP - OPERATIONS","SVP - COMMERCIAL LENDING"],"Hours":[2.5,2.5,5.0,2.5,2.5,2.5,2.5,1.0,2.5,2.5,2.5,1.0,2.5,2.5,2.5,2.5,40.0,40.0,40.0,40.0,1.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0],"Total Compensation":[75500,73340,481000,66249,89500,110542,16000,21687,66500,90500,143500,23773,96237,6000,120000,90000,1736480,798936,821149,649577,743213,694912,556856,626098,475284,586207,400072,428042,480501,450096],"Direct compensation":[75500,73340,481000,66249,89500,110542,16000,21687,66500,90500,143500,23773,96237,6000,120000,90000,1151863,531318,785012,536836,496659,455928,423637,406569,350978,387501,343975,361413,333325,342449],"Other compensation":[0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,584617,267618,36137,112741,246554,238984,133219,219529,124306,198706,56097,66629,147176,107647]},"Basic":{"value":null,"mission":"Increase economic well-being of our members through not-for-profit, cooperative financial services.","year":2024,"name":"TEXAS DOW EMPLOYEES CREDIT UNION","phone":9792485633,"website":"WWW.TDECU.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"ISAAC JOHNSON","year_formation":1955,"state_legal_domicile":"TX","total_volunteers":0,"tax_period_begin":"2024-01-01T00:00:00","tax_period_end":"2024-12-31T00:00:00","address":"2000 POST OAK BLVD STE 2100, HOUSTON, TX, 77056, USA","city":"HOUSTON","state":"TX","country":"USA","zip_code":77056},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":14,"Number of independent voting members":14,"Number of employees total":1070,"Total Gross UBI":6518489,"Net unrelated business taxable income":0,"Number of employees":1070,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":357942346,"Contributions":{"value":0,"Other contributions":0,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":303568991,"Total revenue":{"value":303568991,"INTEREST ON LOANS":256408850,"FEE INCOME":29224691,"OTHER OPERATING INCOME":11416961,"FINANCE AND INSURANCE":6511495,"INCOME FROM CUSO (FUTUREDGE, LLC)":6994},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":19219070,"Investment income total":19259958,"Net investment gain":-40888,"Income from invest bond proceeds":0},"Other revenues":{"value":35154285,"Other total":35154285,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":351313029,"Grant expense":{"value":665000,"Grants to domestic orgs":665000,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":0,"Benefits paid to members Total":0},"Salaries":{"value":98067869,"Current officers":8672833,"Disqualified persons":0,"Other salaries and wages":66357255,"Pension plan contributions":3551749,"Other employee benefits":14251459,"Payroll taxes":5234573},"Other expenses":{"value":252580160,"Management services":0,"Legal":3385537,"Accounting":109507,"Lobbying services":0,"Investment management fees":0,"Other services":12429417,"Advertising":10690761,"Office expenses":8586278,"Information technology":16491567,"Royalties":0,"Occupancy":7842459,"Travel":1818458,"Conferences and meetings":106132,"Interest":81220332,"Payments to affiliates":0,"Depreciation and depletion":10258553,"Insurance":779287,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":98475825,"PROVISION LOAN LOSSES":52839980,"OTHER SERVICES EXPENSES":38570449,"LOAN SERVICING":6105351,"MISCELLANEOUS EXPENSES":960045},"All other expenses":386047},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":4768473410,"Non-interest bearing cash":15486470,"Savings and temp cash investments":335897059,"Pledges and grants receivable":0,"Accounts receivable":20739877,"Receivables from officers":4594282,"Receivables from disqual persons":0,"Other net note and loans":4154447576,"Inventories for sale or use":0,"Prepaid expenses deferred charges":8377917,"Land, building, equipment":53122653,"Investments publicly traded":35342956,"Investments other":31111873,"Investments program related":0,"Intangible assets":18963346,"Other assets":90389401},"Liabilities":{"value":4295787319,"Sum of Total Liabilities":0,"Accounts payable, accrued":60353340,"Grants payable":0,"Deferred, revenue":1235294,"Tax exempt bond liabilities":0,"Escrow account liability":11203575,"Loans from officers, directors":0,"Secured mortgages and notes payable":221000000,"Unsecured notes loans payable":0,"Other liabilities":4001995110},"Fund balance":{"value":472686091,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.0,"percentile":0.4421253816471043},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.018520627900226145,"percentile":0.448401454425692},"Liabilities to Assets Ratio":{"score":0.9008726587404836,"percentile":0.06452310019287714},"Operating Reserve Ratio":{"score":13.57328939257758,"percentile":0.9186083428535168},"Officer Compensation Ratio":{"score":0.03136163503916047,"percentile":0.8526656530961194},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.0832706915595806,"percentile":0.7218696972522091},"Asset Growth":{"score":0.07142370831027896,"percentile":0.6023244188742544},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.5962262025882293,"percentile":0.5944022687862109}},"source_xml":"202503219349316640_public.xml"},"sector":"","donation_categories":[],"zakat_policy":null},"error":null}