2025-11-06T13:06:40-06:00 2024-12-31 750882037 BOLINGER SEGARS GILBERT AND MOSS LLP 8215 NASHVILLE AVENUE LUBBOCK TX 79423 990 2024-01-01 750921163 CAPROCK SANTA FE CREDIT UNION CAPR 8068285825 PO BOX 100 SLATON TX 79364 ANN MARIE WRIGHT PRESIDENT 8068285825 2025-11-05 1 1 MATT R WILLIS P00419741 8067473806 2025-11-05 X 2024 2025-03-06 01:10:19Z ANN MARIE WRIGHT PO BOX 100 SLATON TX 79364 2964048 0 2742 X WWW.CSFCU.COM X 1954 TX THE CREDIT UNION WAS ESTABLISHED TO PROVIDE QUALITY FINANCIAL SERVICES TO ITS MEMBERS. 9 9 14 10 19870 0 0 0 1846660 1851759 850381 1019494 99649 92795 2796690 2964048 8795 7866 0 0 707144 729107 0 0 0 1081029 1270323 1796968 2007296 999722 956752 48611211 49576480 29692971 29701488 18918240 19874992 THE MISSION OF THE CREDIT UNION IS TO SERVE OUR MEMBERSHIP BY PROVIDING STABILITY, MEMBER DRIVEN SERVICES, COMPETITIVE RATES AND REASONABLE FEES, PERSONAL SERVICE, AND TECHNICAL ADVANCES THAT ENHANCE AND EXPAND SERVICES. 0 0 THE CREDIT UNION SERVED ITS MEMBERSHIP BY HOLDING DEPOSITS FOR AND MAKING LOANS TO ITS APPROXIMATELY 4,496 MEMBERS WHO COMPRISED 8,375 DIFFERENT ACCOUNTS DURING THE YEAR. 0 0 0 0 0 0 0 0 0 1 0 0 0 1 1 0 0 0 0 0 0 0 0 0 0 0 0 0 1 0 0 0 0 0 0 0 0 0 0 0 0 0 0 1 1032 0 14 1 1 1 0 0 0 0 0 0 0 0 0 X 9 9 0 0 0 0 1 1 0 1 1 0 0 1 1 1 1 0 1 1 1 0 X ANN MARIE WRIGHT 8068285825 405 RAILROAD AVE SLATON TX 79364 MIKE GREEN CHAIRMAN 2.00 X X 0 0 0 PAULA MILLER VICE CHAIRMAN 2.00 X X 0 0 0 JUANITA HEATHINGTON SEC/TREAS 2.00 X X 0 0 0 MICKEY COLE 124-424 BOARD MEMBER 2.00 X 0 0 0 KEITH CREAGER BOARD MEMBER 2.00 X 0 0 0 ANGELA POLK BOARD MEMBER 1.50 X 0 0 0 BENNY ARGUELLO BOARD MEMBER 1.00 X 0 0 0 DARLENE JONES BOARD MEMBER 2.00 X 0 0 0 TOMMY JOHNSON BOARD MEMBER 2.00 X 0 0 0 CONRAD CODY BILL 424-1224 BOARD MEMBER 0.50 X 0 0 0 ANN MARIE WRIGHT PRESIDENT/CEO 40.00 X 148326 0 17958 148326 0 17958 1 0 1 0 0 INTEREST FROM MEMBERS 522100 1659477 1659477 FEE INCOME 522100 192282 192282 1851759 1019494 1019494 INSURANCE & MISC.INC 524298 92795 72925 19870 92795 2964048 2944178 19870 0 7241 625 166284 331054 187324 44445 57909 74627 14823 55997 56313 64501 4050 617487 35047 21319 PROVISION FOR LOAN LOSS 195691 SHARE DRAFT ACCOUNT 42158 DUES 15275 CREDIT REPORTS 15126 2007296 247945 260681 30327261 32201512 17129486 16225601 33703 35071 990448 548905 468946 441543 403870 412072 48611211 49576480 186146 103285 29506825 29598203 29692971 29701488 X 371287 371287 0 0 18546953 19503705 18918240 19874992 48611211 49576480 956752 0 X X 0 0 0 7621 7621 637787 243157 394630 345040 305748 39292 441543 MEMBER SHARES AND SAVINGS 29360865 ACCRUED INTEREST 128846 OTHER ACCRUED EXPENSES 7190 ACCRUED EMPLOYEE BENEFITS 101302 29598203 X PART X, LINE 2: THE CREDIT UNION HAS ADOPTED THE "UNCERTAIN TAX POSITIONS" PROVISIONS OF ACCOUNTING PRINCIPLES GENERALLY ACCEPTED IN THE UNITED STATES OF AMERICA. THE PRIMARY TAX POSITION OF THE CORPORATION IS ITS FILING STATUS AS A TAX EXEMPT ENTITY. THE CREDIT UNION DETERMINED THAT IT IS MORE LIKELY THAN NOT THAT ITS TAX POSITIONS WILL BE SUSTAINED UPON EXAMINATION BY THE INTERNAL REVENUE SERVICE (IRS), OR OTHER STATE TAXING AUTHORITIES. THE CREDIT UNION IS NO LONGER SUBJECT TO EXAMINATIONS BY FEDERAL TAXING AUTHORITIES FOR YEARS BEFORE 2022. THERE WERE NO PENALTIES OR INTEREST DURING THE YEARS ENDED JUNE 30, 2025 AND 2024. X X X 0 0 0 ANN MARIE WRIGHT PRESIDENT/CEO 145985 0 2341 0 0 0 4206 0 13752 0 166284 0 0 0 FORM 990, PART VI, SECTION A, LINE 6 THE CREDIT UNION WAS FORMED BY THE MEMBERS TO PROVIDE QUALITY FINANCIAL SERVICES TO ITS MEMBERS. FORM 990, PART VI, SECTION A, LINE 7A THE MEMBERS OF THE CREDIT UNION VOTE ON THE BOARD OF DIRECTORS. ELECTIONS ARE DONE ON A ONE MEMBER ONE VOTE BASIS. FORM 990, PART VI, SECTION B, LINE 11B EACH DIRECTOR WILL BE GIVEN A COPY OF THE FORM 990 AT THE BOARD MEETING PRIOR TO FILING THE FORM WITH THE INTERNAL REVENUE SERVICE. THE FORM 990 WILL BE DISCUSSED AND QUESTIONS WILL BE ANSWERED. FORM 990, PART VI, SECTION B, LINE 12C THE BOARD OF DIRECTORS ARE REQUIRED TO REVIEW AND BE FAMILIAR WITH THE POLICIES OUTLINED IN THE ORGANIZATION'S CONFLICT OF INTEREST POLICY. ADDITIONALLY, THE BOARD OF DIRECTORS ARE REQUIRED TO DISCLOSE ANY ACTION OR SITUATION THAT MIGHT VIOLATE THE POLICY TO THE FULL BOARD OF DIRECTORS AS SOON AS POSSIBLE. FORM 990, PART VI, SECTION B, LINE 15 THE BOARD OF DIRECTORS USE A COMPENSATION SURVEY PREPARED BY THE CORNERSTONE CREDIT UNION LEAGUE, WHEN DETERMINING THE COMPENSATION OF THE TOP MANAGEMENT OFFICIAL. THE PRESIDENT/CEO, AS THE TOP MANAGEMENT OFFICIAL, IS THE ONLY EMPLOYEE OFFICER OF THE CREDIT UNION. THE CREDIT UNION DOES NOT HAVE ANY OTHER EMPLOYEES MEETING THE DEFINITION OF OFFICER OR KEY EMPLOYEE. FORM 990, PART VI, SECTION C, LINE 19 THE CREDIT UNION WILL PROVIDE A COMPLETE COPY OF ITS GOVERNING DOCUMENTS, CONFLICT OF INTEREST POLICY, AND AUDITED FINANCIAL STATEMENTS TO ANY MEMBER WHO REQUESTS A COPY OF ANY SUCH DOCUMENT, AT THE CREDIT UNION'S OFFICE IN SLATON, TX. FORM 990, PART XII, LINE 2B: AUDITED FINANCIAL STATEMENTS WERE PREPARED BY AN INDEPENDENT ACCOUNTANT FOR THE CREDIT UNION'S FISCAL YEAR END OF JUNE 30TH. THE TAX RETURN HAS BEEN AND CONTINUES TO BE PREPARED BASED ON A CALENDAR YEAR END OF DECEMBER 31. THE BOARD AS A WHOLE IS RESPONSIBLE FOR OVERSEEING THE FINANCIAL STATEMENT AUDIT AND SELECTING THE INDEPENDENT FINANCIAL STATEMENT AUDITOR.