2025-04-17T16:30:06-07:00 2024-12-31 990 2024-01-01 750913075 EAST TEXAS PROFESSIONAL CREDIT UNION EAST 9033230230 409 E LOOP 281 Longview TX 75605 Jenny Smith SVP Accounting 9033231201 2025-04-07 1 2024 2025-03-06 01:10:19Z X X JENNY SMITH 409 E LOOP 281 LONGVIEW TX 75605 82471659 0 X www.etpcu.org X 1953 TX Financial Institution with a Community Charter to provide financial services to our membership. 11 0 443 11 457131 -65751 0 0 55587377 68505125 11429286 13733397 187785 232994 67204448 82471516 0 0 0 0 18636713 19593142 0 0 0 27878901 41170918 46515614 60764060 20688834 21707456 1196894416 1322488787 981042738 1086113834 215851678 236374953 To be the financial institution of choice for our membership 0 0 1699073 51797391 ETPCU provides all types of consumer lending products including automobile (direct and indirect), boat, motorcycle, home mortgage, home equity, home improvement and HELOC's. All loans are granted using risk based pricing levels at highly competitive rates. 16264394 ETPCU requires a share account with a minimum balance of $5.00 to become a member. Our accounts pay rates that are competitive with other financial institutions in our area. With membership, all members have rights to all of our services which include checking accounts, term share certificates, loans internet banking and theme park tickets at discounted rates. 1183609 2870597 ETPCU has numerous checking account products including Advantage Checking which allows overdraft courtesy of up to $175. Most of our accounts are interest bearing and have little to no service fees. We also offer Money Market checking for those who can maintain a minimum balance of $1,000 and want to earn a higher rate of interest. 0 0 0 19147076 0 0 0 0 0 0 0 1 0 1 0 0 0 1 0 0 0 0 0 0 0 0 0 0 0 0 0 0 1 0 0 0 0 0 0 0 0 0 0 1 0 1 0 0 1 0 0 1 443 1 1 1 0 0 0 0 0 0 0 X 11 0 0 0 0 0 1 1 0 1 1 0 0 0 1 1 1 1 1 1 1 0 X East Texas Professional CU 9033230230 409 E Loop 281 Longview TX 75605 W Byron Norton President 40.00 0 X 1011905 0 0 Deborah Pearce SRVP Accounting 40 0 X 212654 0 0 John Griffin SRVP Lending 40.00 0.00 X 209935 0 0 Scot Haines SRVP Operations 40 0 X 191987 0 0 Kerri Dalme SRVP Branch Operations 40 0 X 167025 0 0 Douglas Gonzales VP Information Technology 40 0 X 156977 0 0 Keitha Nilsson SRVP Branch Operations 40 0 X 156292 0 0 Richard Martin VP Indirect Lending 40 0 X 116095 0 0 Meagan Staples VP HR Manager 40 0 X 111561 0 0 Kelly Evans VP Branch Operations 40 0 X 105644 0 0 Greg Jeffery VP Branch Operations 40 0 X 103371 0 0 2543446 0 0 11 1 1 0 0 0 Interest On Loans 522130 51797391 51797391 0 0 Member Charges and Fees 522130 16707734 16250603 457131 0 0 0 0 0 68505125 13733346 13733346 0 0 0 0 0 0 0 0 0 0 14400 0 0 0 14400 0 14400 14400 0 0 0 194 0 143 0 51 51 51 0 0 Neighborhood Financial SVC 522130 218594 218594 0 0 0 0 0 0 218594 82471516 82014385 457131 0 X 2543446 12175397 516740 3256729 1100830 2536 97240 429307 60397 6361706 1231100 3929758 960145 3040489 26435 130715 1068046 312941 Loan Servicing 1699073 Shares and Deposit Dividends 17448004 Allowance for Loan Losses 3822054 550972 60764060 0 0 0 22013663 20677509 120538731 165617713 0 9240368 14242179 0 0 778441436 888250600 0 3296633 4184739 58291345 22684867 36622186 35606478 161285555 126349742 2183122 5172718 684677 684677 62588045 61702432 1196894416 1322488787 23053335 14702275 0 0 0 0 776111 0 0 0 957989403 1070635448 981042738 1086113834 X 0 0 0 0 215851678 236374953 215851678 236374953 1196894416 1322488787 21707456 -1184181 0 0 0 0 X 0 1 1 0 1 1811272 3377624 4412785 776111 1 X 6367410 0 6367410 36521037 0 11244553 25276484 1033776 0 663670 370106 13580767 0 10246378 3334389 788355 0 530266 258089 35606478 0 SHARES 383496604 LIFE SAVINGS SHARES 70156 SPECIAL SAVINGS 277727 SHARE DRAFTS 164710669 COMMERCIAL CHECKING 20385814 MONEY MARKET 88519840 MONEY MARKET COMMERCIAL 1964079 MONEY MARKET CHECKING 7362897 MONEY MARKET COMMERCIAL CHECKING 2255402 IRA SAVINGS 17725083 IRA CERTIFICATES 25290921 CERTIFICATE OF DEPOSIT 358576256 1070635448 X Schedule D, Part IV, Line 1b PART X LINE 21 ESCROW LIABILITY - EAST TEXAS PROFESSIONAL CREDIT UNION OFFERS ESCROW SERVICES FOR OUR MEMBERS WITH LOANS. THE ESTIMATED ESCROW AMOUNT IS ADDED TO THE MEMBER'S MONTHLY LOAN PAYMENT AND THE CREDIT UNION REMITS THE ANNUAL ESCROW PAYMENTS ON THE MEMBER'S BEHALF. Schedule D, Part IV, Line 2b PART X LINE 21 ESCROW LIABILITY - EAST TEXAS PROFESSIONAL CREDIT UNION OFFERS ESCROW SERVICES FOR OUR MEMBERS WITH LOANS. THE ESTIMATED ESCROW AMOUNT IS ADDED TO THE MEMBER'S MONTHLY LOAN PAYMENT AND THE CREDIT UNION REMITS THE ANNUAL ESCROW PAYMENTS ON THE MEMBER'S BEHALF. Schedule D, Part X, Line 2 Shares and deposits X 1 1 X X X 0 0 0 W Byron Norton President 511551 0 52501 0 450000 0 0 0 0 0 1014052 0 0 0 Deborah Pearce SRVP Accounting 188902 0 24752 0 0 0 0 0 0 0 213654 0 0 0 John Griffin SRVP Lending 187914 0 31647 0 0 0 0 0 0 0 219561 0 0 0 Scot Haines SRVP Operations 164600 0 28995 0 0 0 0 0 0 0 193595 0 0 0 Kerri Dalme SRVP Branch Operations 142980 0 24044 0 0 0 0 0 0 0 167024 0 0 0 Douglas Gonzales VP Information Technology 145900 0 24160 0 0 0 0 0 0 0 170060 0 0 0 Keitha Nilsson SRVP Branch Operations 141720 0 24398 0 0 0 0 0 0 0 166118 0 0 0 Richard Martin VP Indirect Lending 101010 0 16134 0 0 0 0 0 0 0 117144 0 0 0 Meagan Staples VP HR Manager 106639 0 16871 0 0 0 0 0 0 0 123510 0 0 0 Kelly Evans VP Branch Operations 105154 0 16233 0 0 0 0 0 0 0 121387 0 0 0 Greg Jeffery VP Branch Operations 89462 0 14906 0 0 0 0 0 0 0 104368 0 0 0 Schedule J, Part I, Line 1a Travel for companions only during the annual Board Retreat (for Directors, President and SRVPs). We pay for family gym memberships for AVP and higher if the employee elects a membership. Form 990, Part VI, Section A, Line 6 A $5.00 DEPOSIT TO A SAVINGS ACCOUNT GRANTS MEMBERSHIP TO THE CREDIT UNION. Form 990, Part VI, Section A, Line 7a A DIRECTOR OF THE BOARD SERVES A 3 YEAR TERM AND IS VOTED IN BY THE MEMBERSHIP AT THE CREDIT UNION'S ANNUAL MEETING. Form 990, Part VI, Section B, Line 11b WHILE THE BOARD OF DIRECTORS DO NOT CONDUCT A REVIEW, THEY RESERVE THE RIGHT TO DO SO AT ANY TIME. THE FORM IS REVIEWED DURING OUR ANNUAL OPINION AUDIT BY AN OUTSIDE ACCOUNTING FIRM AND IS ALSO REVIEWED DURING OUR ANNUAL STATE/FEDERAL EXAMINATION. Form 990, Part VI, Section B, Line 12c AN OATH OF OFFICE IS SIGNED BY EACH MEMBER OF THE BOARD OF DIRECTORS AND SENIOR MANAGEMENT EVERY TWO YEARS. Form 990, Part VI, Section B, Line 15 THE CREDIT UNION USES THE CUNA STAFF SALARY REPORT AND BALANCE COMP FOR BANKS AND CREDIT UNIONS TO ASSIST IN THE COMPENSATION PROCESS. THE BOARD ALSO OBTAINS THE CEO SALARY SURVEY, USUALLY ONCE EVERY 3 YEARS TO AID IN THE EVALUATION. Form 990, Part VI, Section C, Line 18 THE CREDIT UNION MAKES THESE AVAILABLE UPON WRITTEN REQUEST. Form 990, Part VI, Section C, Line 19 THE CREDIT UNION MAKES THESE AVAILABLE UPON WRITTEN REQUEST. Form 990, Part IX, Line 11g DRUG TESTING EXPENSE, STATEMENT PROCESSING EXPENSE, SHARE DRAFT EXPENSE, GIFT CARD EXPENSE, ATM EXPENSE AND DEBIT CARD EXPENSE. Neighborhood Finanacial Services PO Box 6750 Longview TX 75608 204581436 Insurance TX 54335 847218 East Texas Professional CU