Nonprofit · EIN 75-0887815
CABOT COMMUNITY CREDIT UNION
Tax-exempt · PAMPA, TX 79066
Financials
| Year ended | Form | Revenue | Expenses | Net income | Total assets | Liabilities | Net assets |
|---|---|---|---|---|---|---|---|
| December 31, 2025 | 990 | $3,017,357 | $2,284,402 | $732,955 | $41,994,919 | $147,986 | $41,846,933 |
| December 31, 2024 | 990 | $2,979,567 | $1,978,305 | $1,001,262 | $39,830,246 | $373,717 | $39,456,529 |
| December 31, 2023 | 990 | $2,807,809 | $1,860,249 | $947,560 | $40,203,147 | $207,009 | $39,996,138 |
Financial details: 990 for the year ended December 31, 2025
Revenue
- Contributions, gifts and grants
- $0
- Program service revenue
- $2,050,081
- Investment income
- $454,086
- Other revenue
- $513,190
Expenses
- Grants and similar amounts paid
- $0
- Compensation of officers, directors and key employees
- $130,912
- Other salaries and wages
- $286,606
- Salaries, compensation and benefits (total)
- $608,318
- Professional fundraising fees
- $0
- Legal fees
- $12,968
- Accounting fees
- $20,035
- Occupancy
- $84,018
- Travel
- $3,096
- Depreciation
- $37,962
- Program services (functional)
- $2,284,402
Balance sheet and other
- Total assets, start of year
- $39,830,246
- Total assets, end of year
- $41,994,919
- Total liabilities, end of year
- $147,986
- Net assets, end of year
- $41,846,933
- Land, buildings and equipment
- $1,035,958
- Gross unrelated business income
- $19,409
- Gross receipts
- $3,017,357
- Employees
- 11
- Volunteers
- 7
- Year formed
- 1931
- 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 |
|---|---|---|---|
| Debra Howell | Former CEO Trustee or director, Officer, Key employee | 40 | $68,935 |
| Carrie Kirkland | CEO Trustee or director, Officer, Key employee | 40 | $61,977 |
| Kurt Hirschler | Chairman Trustee or director, Officer | 1 | $0 |
| Joel Palmateer | Vice Chairman Trustee or director, Officer | 1 | $0 |
| Melody Oliphant | Secretary/Treasurer Trustee or director, Officer | 1 | $0 |
| Leona Wills | Director Trustee or director | 1 | $0 |
| Denise Locknane | Director Trustee or director | 1 | $0 |
| James Allen | Director Trustee or director | 1 | $0 |
| Susan Ferguson | Director Trustee or director | 1 | $0 |
| Jimmye Cole | Director Trustee or director | 1 | $0 |
990 for the year ended December 31, 2024: 9 people
| Name | Title | Hours / week | Compensation |
|---|---|---|---|
| Debra Howell | CEO Trustee or director, Officer, Highest-paid employee | 40 | $71,790 |
| Kurt Hirschler | Chairman Trustee or director, Officer | 1 | $0 |
| Denise Locknane | Vice Chairman Trustee or director, Officer | 1 | $0 |
| Melody Oliphant | Secretary/Treasurer Trustee or director, Officer | 1 | $0 |
| Leona Wills | Member Trustee or director | 1 | $0 |
| Joel Palmateer | Member Trustee or director | 1 | $0 |
| James Allen | Member Trustee or director | 1 | $0 |
| Susan Ferguson | Member Trustee or director | 1 | $0 |
| Jimmye Cole | CEO Trustee or director | 1 | $0 |
990 for the year ended December 31, 2023: 8 people
| Name | Title | Hours / week | Compensation |
|---|---|---|---|
| Debra Howell | CEO Trustee or director, Officer, Highest-paid employee | 40 | $69,467 |
| Kurt Hirschler | Chairman Trustee or director, Officer | 1 | $0 |
| Gary Griggs | Vice Chairman Trustee or director, Officer | 1 | $0 |
| Denise Locknane | Secretary/Treasurer Trustee or director, Officer | 1 | $0 |
| Leona Wills | Member Trustee or director | 1 | $0 |
| Melody Oliphant | Member Trustee or director | 1 | $0 |
| James Allen | Member Trustee or director | 1 | $0 |
| Susan Ferguson | Member Trustee or director | 1 | $0 |
Address and contacts
- Address (IRS master file)
- PO BOX 2217, PAMPA, TX 79066-2217
- Principal officer (990 for 2025)
- Carrie Kirkland, 1063 N Sumner, Pampa, TX 79065
- Signed the 990
- Carrie Kirkland, CEO
- Phone
- (806) 655-0847
- Return prepared by
- Greg R Schmidt CPA
Mission
To provide all members with competitively priced financial services
Program accomplishments
- The credit union provides loan, checking, and savings services, as well as wire transfers, debit and credit card services to all eligible members
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
- 75-0887815
- 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)
- $41,994,919
- Income (IRS master file)
- $3,017,357
Filing history
| Form | Year ended | Revenue | Expenses | Assets | Return |
|---|---|---|---|---|---|
| 990 | December 2025 | $3,017,357 | $2,284,402 | $41,994,919 | XML |
| 990 | December 2024 | $2,979,567 | $1,978,305 | $39,830,246 | IRS |
| 990 | December 2023 | $2,807,809 | $1,860,249 | $40,203,147 | XML |
| 990 | December 2022 | $2,096,070 | $1,810,511 | $39,455,706 | 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 75-0887815).
Questions about CABOT COMMUNITY CREDIT UNION
- What is the EIN of CABOT COMMUNITY CREDIT UNION?
- The employer identification number (EIN) of CABOT COMMUNITY CREDIT UNION is 75-0887815.
- Is CABOT COMMUNITY CREDIT UNION tax-exempt?
- Yes. The IRS lists it as tax-exempt under section 501(c)(14) since 1976.
- Are donations to CABOT COMMUNITY CREDIT UNION tax-deductible?
- No. The IRS master file says contributions to it are not deductible.
- Which annual return does CABOT COMMUNITY 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 CABOT COMMUNITY 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 CABOT COMMUNITY 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 CABOT COMMUNITY CREDIT UNION?
- The 990 for the year ended December 31, 2025 names Carrie Kirkland.
- Who are the officers and directors of CABOT COMMUNITY CREDIT UNION?
- The 990 for the year ended December 31, 2025 lists 10 people; 2 received compensation from the organization, the highest $68,935 (Debra Howell, Former CEO).
- How much revenue does CABOT COMMUNITY CREDIT UNION have?
- On its 990 for the year ended December 31, 2025 it reported revenue of $3,017,357, expenses of $2,284,402 and total assets of $41,994,919 at year end.
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