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Nonprofit · EIN 75-0905956

COOPERATIVE TEACHERS CREDIT UNION

Also known as Phi Delta Kappa

Tax-exempt · TYLER, TX 75701

Financials

$7.4M$7.1M2023$7M$7.1M2024
Revenue Expenses · by fiscal year end
Financials of COOPERATIVE TEACHERS CREDIT UNION by year, from its e-filed returns
Year endedFormRevenueExpensesNet incomeTotal assetsLiabilitiesNet assets
December 31, 2024990$6,953,013$7,118,168-$165,155$102,688,664$97,552,842$5,135,822
December 31, 2023990$7,427,752$7,135,138$292,614$117,406,952$112,180,025$5,226,927
Financial details: 990 for the year ended December 31, 2024

Revenue

Contributions, gifts and grants
$0
Program service revenue
$6,197,432
Investment income
$736,320
Net rental income
$19,261
Other revenue
$19,261

Expenses

Grants and similar amounts paid
$160,631
Benefits paid to members
$2,164,314
Compensation of officers, directors and key employees
$422,182
Other salaries and wages
$695,933
Salaries, compensation and benefits (total)
$1,355,587
Professional fundraising fees
$0
Legal fees
$147,646
Accounting fees
$61,804
Occupancy
$202,999
Travel
$18,193
Depreciation
$778,312

Balance sheet and other

Total assets, start of year
$117,406,952
Total assets, end of year
$102,688,664
Total liabilities, end of year
$97,552,842
Net assets, end of year
$5,135,822
Land, buildings and equipment
$6,069,883
Publicly traded securities
$13,450,292
Gross unrelated business income
$23,725
Gross receipts
$7,174,960
Employees
26
Volunteers
7
Year formed
1953
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, 2024, highest compensation first.

NameTitleHours / weekCompensation
Timothy MillerPresident & CEO
Officer
40$145,123
Sarah ParlettVice President
Officer
40$96,356
Mary FulmerVice President
Officer
40$87,344
Wayne BoshearsChairman
Trustee or director
1$0
Lynne StainbackVice Chairman
Trustee or director
1$0
Zeb CantleySecretary
Trustee or director
1$0
James HaydenDirector
Trustee or director
1$0
Gary HowellDirector
Trustee or director
1$0
Cynthia JohnsonDirector
Trustee or director
1$0
Ora TaylorDirector
Trustee or director
1$0
990 for the year ended December 31, 2023: 11 people
NameTitleHours / weekCompensationOther / benefits
Timothy MillerPresident & CEO
Officer
40$230,676$0
Nathan GillenVice President
Officer
40$98,538$15,891
Mary FulmerVice President
Officer
40$96,670$15,891
Sarah ParlettVice President
Officer
40$104,241$8,046
Wayne BoshearsChairman
Trustee or director
1$0$0
Lynne StainbackVice Chairman
Trustee or director
1$0$0
Zeb CantleySecretary
Trustee or director
1$0$0
James HaydenDirector
Trustee or director
1$0$0
Gary HowellDirector
Trustee or director
1$0$0
Cynthia JohnsonDirector
Trustee or director
1$0$0
Ora TaylorDirector
Trustee or director
1$0$0

Address and contacts

Address (IRS master file)
1424 WSW LOOP 323, TYLER, TX 75701-9347
Mailing address (990-N for 2011)
UTT 3900 University Blvd BEP 212-B, Tyler TX 75799
Principal officer (990 for 2024)
Timothy Miller, 1424 WSW Loop 323, Tyler, TX 75701
Principal officer (990-N for 2011)
Suzanne Brians Ed S, UTT 3900 University Blvd BEP 212-B, Tyler TX 75799
Signed the 990
Mary Fulmer, Vice President
Phone
(903) 561-2603

Mission

COOPERATIVE TEACHERS CREDIT UNION ENCOURAGES THRIFT (SAVINGS), PROVIDES CREDIT POSSIBLITIES AT A FAIR AND REASONABLE RATE AND ADEQUATE SERVICES FOR THE MEMBERSHIP IN ORDER TO ENHANCE SOCIAL AND PERSONAL GROWTH THROUGH SOUND MONEY MANAGEMENT.

990 for the year ended December 31, 2024

Program accomplishments

  • COOPERATIVE TEACHERS CREDIT UNION'S SHARE ACCOUNTS OFFER ADVANTAGES TO MEMBERS OF ALL AGES. MEMBERS SAVINGS ACCOUNTS PAY DIVIDENDS QUARTERLY AND OFFER ACCESS THROUGH HOME BANKING VIA THE INTERNET OR TELEPHONE, MOBILE BANKING, AND ATM'S WORLDWIDE. SPECIAL SAVINGS ACCOUNTS ARE DESIGNED FOR CHILDREN TO ENCOURAGE THE DEVELOPMENT OF CONSISTENT SAVINGS HABITS.
  • COOPERATIVE TEACHERS CREDIT UNION PROVIDES CHECKING ACCOUNTS FOR MEMBERS WITH VARIOUS FEATURES, FROM FREE ACCOUNTS TO THOSE THAT OFFER DIVIDENDS THAT ARE PAID QUARTERLY. ADDITIONALLY, THE CREDIT UNION EXTENDS THE REACH OF THESE ACCOUNTS BY OFFERING DEBIT CARDS, INTERNET ACCOUNT ACCESS, AND AN INTERNET BILL PAY PLATFORM. COOPERATIVE EXTENDED THESE SERVICES BY UPDATING THE DEBIT, CREDIT, AND ATM PRODUCTS IN 2024 FOR EASIER ACCESS AND USAGE.
  • COOPERATIVE TEACHERS CREDIT UNION HAS PROVIDED VEHICLE LOANS SINCE ITS EARLY YEARS. THE CONSUMER LOAN PRODUCT LINE NOW INCLUDES EFFICIENT UNDERWRITIING AND FLEXIBLE OFFERING FOR RECREATIONAL VEHICLES, BOATS, AND MOTORCYCLES. CREDIT LIFE AND DISABILITY INSURANCE IS AVAILABLE ON ANY OF THESE LOANS. IN ADDITION, COOPERATIVE TEACHERS HAS GROWN THE MORTGAGE PORTFOLIO AS TO OFFER AFFORDABLE HOUSING SOLUTIONS FOR OUR 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 yearYear endedDueIRS public records
2025December 31, 2025May 15, 2026Not on file
2024December 31, 2024May 15, 2025990 on file
2023December 31, 2023May 15, 2024990 on file

IRS record

EIN
75-0905956
Tax-exempt status
501(c)(14): State-chartered credit union
Exempt since
1976
Accounting year ends
December
Files
Form 990 or 990-EZ
Assets (IRS master file)
$102,688,664
Income (IRS master file)
$7,174,960

Filing history

FormYear endedRevenueExpensesAssetsReturn
990December 2024$6,953,013$7,118,168$102,688,664XML
990December 2023$7,427,752$7,135,138$117,406,952XML
990December 2022$3,120,685$7,747,880$124,846,227IRS
990December 2021–––IRS
990December 2020–––IRS
990December 2018–––IRS
990-N for 2011
Officer: Suzanne Brians Ed S
December 31, 2011≤ $50,000 receipts––e-Postcard

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 75-0905956).

Questions about COOPERATIVE TEACHERS CREDIT UNION

What is the EIN of COOPERATIVE TEACHERS CREDIT UNION?
The employer identification number (EIN) of COOPERATIVE TEACHERS CREDIT UNION is 75-0905956.
Is COOPERATIVE TEACHERS CREDIT UNION tax-exempt?
Yes. The IRS lists it as tax-exempt under section 501(c)(14) since 1976.
Which annual return does COOPERATIVE TEACHERS 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 COOPERATIVE TEACHERS CREDIT UNION due?
The return for tax year 2025 (the year ending December 31, 2025) is due May 15, 2026. Form 8868 extends it by six months; the 990-N cannot be extended.
When did COOPERATIVE TEACHERS CREDIT UNION last file with the IRS?
The latest return in the IRS public files is the 990 for the year ended December 2024.
Who is the principal officer of COOPERATIVE TEACHERS CREDIT UNION?
The 990 for the year ended December 31, 2024 names Timothy Miller.
Who are the officers and directors of COOPERATIVE TEACHERS CREDIT UNION?
The 990 for the year ended December 31, 2024 lists 10 people; 3 received compensation from the organization, the highest $145,123 (Timothy Miller, President & CEO).
How much revenue does COOPERATIVE TEACHERS CREDIT UNION have?
On its 990 for the year ended December 31, 2024 it reported revenue of $6,953,013, expenses of $7,118,168 and total assets of $102,688,664 at year end.

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