Nonprofit · EIN 74-6056100
SCOTT AND WHITE EMPLOYEES CREDIT UNION
Tax-exempt · TEMPLE, TX 76503
Financials
| Year ended | Form | Revenue | Expenses | Net income | Total assets | Liabilities | Net assets |
|---|---|---|---|---|---|---|---|
| December 31, 2025 | 990 | $4,162,380 | $2,386,861 | $1,775,519 | $71,006,448 | $861,140 | $70,145,308 |
| December 31, 2024 | 990 | $3,805,543 | $2,118,892 | $1,686,651 | $70,398,116 | $838,745 | $69,559,371 |
| December 31, 2023 | 990 | $3,399,230 | $1,745,126 | $1,654,104 | $67,581,491 | $773,680 | $66,807,811 |
Financial details: 990 for the year ended December 31, 2025
Revenue
- Contributions, gifts and grants
- $0
- Program service revenue
- $3,312,454
- Investment income
- $849,926
- Other revenue
- $0
Expenses
- Grants and similar amounts paid
- $0
- Benefits paid to members
- $421,040
- Compensation of officers, directors and key employees
- $185,066
- Other salaries and wages
- $475,244
- Salaries, compensation and benefits (total)
- $861,055
- Professional fundraising fees
- $0
- Occupancy
- $33,541
- Travel
- $2,674
- Depreciation
- $49,354
Balance sheet and other
- Total assets, start of year
- $70,398,116
- Total assets, end of year
- $71,006,448
- Total liabilities, end of year
- $861,140
- Net assets, end of year
- $70,145,308
- Land, buildings and equipment
- $25,586
- Gross receipts
- $4,162,380
- Employees
- 16
- Volunteers
- 7
- Year formed
- 1962
- State of legal domicile
- TX
From the e-filed returns the IRS publishes as XML (latest three processing years; amended returns replace the original). PDF copies at the IRS.
Officers, directors and key employees
As listed on the 990 for the year ended December 31, 2025, highest compensation first.
| Name | Title | Hours / week | Compensation |
|---|---|---|---|
| Celeste Kaylor | President/CEO Officer, Key employee, Highest-paid employee | 40 | $185,066 |
| Roy Wohleb | Chairman of the Board of Directors Trustee or director | 5 | $0 |
| Lynda Allmer | Vice Chairman of the Board of Directors Trustee or director | 1 | $0 |
| Ray Baker | Treasurer of the Board of Directors Trustee or director | 1 | $0 |
| Lyn Dukatnik | Secretary of the Board of Directors Trustee or director | 1 | $0 |
| Linda Brook | Member of the Board of Directors Trustee or director | 1 | $0 |
| Ted Maxfield | Member of the Board of Directors Trustee or director | 1 | $0 |
| Jean Thorp | Member of the Board of Directors Trustee or director | 1 | $0 |
990 for the year ended December 31, 2024: 8 people
| Name | Title | Hours / week | Compensation |
|---|---|---|---|
| Celeste Kaylor | President/CEO Officer, Key employee, Highest-paid employee | 40 | $130,124 |
| Roy Wohleb | Chairman of the Board of Directors Trustee or director | 5 | $0 |
| Lynda Allmer | Vice Chairman of the Board of Directors Trustee or director | 1 | $0 |
| Ray Baker | Treasurer of the Board of Directors Trustee or director | 1 | $0 |
| Lyn Dukatnik | Secretary of the Board of Directors Trustee or director | 1 | $0 |
| Linda Brook | Member of the Board of Directors Trustee or director | 1 | $0 |
| Ted Maxfield | Member of the Board of Directors Trustee or director | 1 | $0 |
| Jean Thorp | Member of the Board of Directors Trustee or director | 1 | $0 |
990 for the year ended December 31, 2023: 8 people
| Name | Title | Hours / week | Compensation |
|---|---|---|---|
| Celeste Kaylor | President/CEO Officer, Key employee, Highest-paid employee | 40 | $117,902 |
| Roy Wohleb | Chairman of the Board of Directors Trustee or director | 1 | $0 |
| Lynda Allmer | Vice Chairman of the Board of Directors Trustee or director | 1 | $0 |
| Ray Baker | Treasurer of the Board of Directors Trustee or director | 1 | $0 |
| Lyn Dukatnik | Secretary of the Board of Directors Trustee or director | 1 | $0 |
| Linda Brook | Member of the Board of Directors Trustee or director | 1 | $0 |
| Ted Maxfield | Member of the Board of Directors Trustee or director | 1 | $0 |
| Jean Thorp | Member of the Board of Directors Trustee or director | 1 | $0 |
Address and contacts
- Address (IRS master file)
- PO BOX 246, TEMPLE, TX 76503-0246
- Principal officer (990 for 2025)
- CELESTE KAYLOR, PO BOX 246, TEMPLE, TX 765030246
- Signed the 990
- Celeste Kaylor, CEO
- Phone
- (254) 778-3199
- Website
- www.swecu.org
Mission
Voluntary cooperative, non-profit savings institution incorporated under the provision of the Texas Credit Union Act, for the purpose of encouraging thrift among their members, providing credit at fair & reasonable rate of interest & providing an opportunity to improve their economic position.
Program accomplishments
- LOAN SERVING EXPENSE (Including provision for loan loss)Expenses $176,422 · revenue $2,379,100
- Share/Sharedraft expenseExpenses $322,478 · revenue $933,353
What it must file and when
IRS records say it files Form 990 or 990-EZ. Based on its last return; a smaller organization may file the 990-N. Its accounting year ends in December, so each return is due on the 15th day of the 5th month after that.
| Tax year | Year ended | Due | IRS public records |
|---|---|---|---|
| 2025 | December 31, 2025 | May 15, 2026 | 990 on file |
| 2024 | December 31, 2024 | May 15, 2025 | 990 on file |
| 2023 | December 31, 2023 | May 15, 2024 | 990 on file |
IRS record
- EIN
- 74-6056100
- Tax-exempt status
- 501(c)(14): State-chartered credit union
- Donations deductible
- No
- Exempt since
- 1976
- Accounting year ends
- December
- Files
- Form 990 or 990-EZ
- Group exemption
- 2742: CREDIT UNION DEPARTMENT OF THE STATE OF TEXAS
- Assets (IRS master file)
- $71,006,448
- Income (IRS master file)
- $4,162,380
Filing history
| Form | Year ended | Revenue | Expenses | Assets | Return |
|---|---|---|---|---|---|
| 990 | December 2025 | $4,162,380 | $2,386,861 | $71,006,448 | XML |
| 990 | December 2024 | $3,805,543 | $2,118,892 | $70,398,116 | XML |
| 990 | December 2023 | $3,399,230 | $1,745,126 | $67,581,491 | XML |
| 990 | December 2022 | $3,164,800 | $1,692,027 | $70,052,932 | IRS |
| 990 | December 2021 | – | – | – | IRS |
| 990 | December 2020 | – | – | – | IRS |
| 990 | December 2018 | – | – | – | IRS |
990-N: the IRS bulk file holds only the latest e-Postcard per organization; earlier years come from archived copies of that file since 2020 and can have gaps (the IRS e-Postcard search lists every one). 990, 990-EZ, 990-PF, 990-T: every e-filed return in the IRS e-file index since 2019; XML for the latest three processing years, amounts from the IRS Statistics of Income extracts before that. PDF copies and determination letters at the IRS (search EIN 74-6056100).
Questions about SCOTT AND WHITE EMPLOYEES CREDIT UNION
- What is the EIN of SCOTT AND WHITE EMPLOYEES CREDIT UNION?
- The employer identification number (EIN) of SCOTT AND WHITE EMPLOYEES CREDIT UNION is 74-6056100.
- Is SCOTT AND WHITE EMPLOYEES CREDIT UNION tax-exempt?
- Yes. The IRS lists it as tax-exempt under section 501(c)(14) since 1976.
- Are donations to SCOTT AND WHITE EMPLOYEES CREDIT UNION tax-deductible?
- No. The IRS master file says contributions to it are not deductible.
- Which annual return does SCOTT AND WHITE EMPLOYEES CREDIT UNION file?
- Form 990 or 990-EZ. Based on its last return; a smaller organization may file the 990-N.
- When is the next return of SCOTT AND WHITE EMPLOYEES CREDIT UNION due?
- The return for tax year 2026 (the year ending December 31, 2026) is due May 17, 2027. Form 8868 extends it by six months; the 990-N cannot be extended.
- When did SCOTT AND WHITE EMPLOYEES CREDIT UNION last file with the IRS?
- The latest return in the IRS public files is the 990 for the year ended December 2025.
- Who is the principal officer of SCOTT AND WHITE EMPLOYEES CREDIT UNION?
- The 990 for the year ended December 31, 2025 names CELESTE KAYLOR.
- Who are the officers and directors of SCOTT AND WHITE EMPLOYEES CREDIT UNION?
- The 990 for the year ended December 31, 2025 lists 8 people; 1 received compensation from the organization, the highest $185,066 (Celeste Kaylor, President/CEO).
- How much revenue does SCOTT AND WHITE EMPLOYEES CREDIT UNION have?
- On its 990 for the year ended December 31, 2025 it reported revenue of $4,162,380, expenses of $2,386,861 and total assets of $71,006,448 at year end.
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