2025-11-13T16:28:34-06:00 2024-12-31 752393478 WHITLEY PENN LLP 11503 NW MILITARY HWY STE 225 SAN ANTONIO TX 78231 990 2024-01-01 741241284 UNITED TEXAS CREDIT UNION UNIT 2105614525 5500 UTSA BLVD SAN ANTONIO TX 78249 ALFRED SAKER CFO 2105614525 2025-11-13 1 1 BARBARA LYNN HERBST P00849574 2106142284 2025-11-12 2024 2025-03-06 01:10:19Z KYLE ASHLEY 5500 UTSA BLVD SAN ANTONIO TX 78249 23965850 0 X WWW.UTXCU.COM X 1955 TX A MEMBER-OWNED, NOT-FOR-PROFIT FINANCIAL COOPERATIVE WITH THE MISSION OF IMPROVING THE FINANCIAL WELL-BEING OF OUR MEMBERS AND THE COMMUNITIES WE SERVE. 9 8 97 8 111767 0 0 0 19964847 21993658 1333163 1779432 591531 176762 21889541 23949852 0 0 0 0 6935917 6447620 0 0 0 12590991 16070657 19526908 22518277 2362633 1431575 410563723 416803276 386156697 390096495 24407026 26706781 X IMPROVING THE FINANCIAL WELL-BEING OF OUR MEMBERS AND THE COMMUNITIES WE SERVE. 0 0 UNITED TEXAS CREDIT UNION STRIVES TO BECOME THE ULTIMATE FINANCIAL COOPERATIVE BY ENHANCING MEMBER'S LIVES THROUGH EXCEPTIONAL FINANCIAL SERVICES WITH THE HIGHEST REGARD TOWARD THE ESTABLISHED PHILOSOPHY OF "PEOPLE HELPING PEOPLE AND SOUND BUSINESS PRINCIPLES. IMPROVING THE FINANCIAL WELL-BEING OF OUR MEMBERS AND THE COMMUNITIES WE SERVE. 0 0 0 0 0 0 0 0 0 1 1 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 1 0 0 0 1 6001 0 1 97 1 1 1 0 0 0 0 0 0 0 X 9 8 0 0 0 0 1 1 0 1 1 0 1 1 1 1 0 0 0 1 1 0 1 1 X ALFRED SAKER 2105614525 5500 UTSA BOULEVARD SAN ANTONIO TX 78249 KYLE ASHLEY PRESIDENT/CEO 40.00 X X 408095 0 31700 BILL GREGORY CHAIRMAN 0.75 X 3600 0 0 RICK TOBIAS VICE-CHAIRMAN 0.75 X 3600 0 0 JAMES WHEELER BOARD TREASURER 0.75 X 3600 0 0 RICHARD BAGGS BOARD SECRETARY 0.75 X 3600 0 0 JOHN REES BOARD MEMBER 0.75 X 3600 0 0 DON MANN BOARD MEMBER 0.75 X 3600 0 0 ANTHONY SANCHEZ BOARD MEMBER 0.75 X 3600 0 0 JODIE SANDERS BOARD MEMBER 0.75 X 3600 0 0 TAMMINA JOHNSON COO 40.00 X 221156 0 23235 ALFRED SAKER CFO 40.00 X 172648 0 12883 JAMES BAUMANN CLO 40.00 X 204608 0 26617 MARIO SALDIVAR CIO 40.00 X 184104 0 10682 DAVID GRAY MBR BUSINESS LENDING 40.00 X 157016 0 24628 DEBRA BRADBERRY VP PROJ. SPECIALIST 40.00 X 102326 0 1200 PATRICIA RHODES VP CONSUMER LENDING 40.00 X 148033 0 30500 ROSANNE HERNANDEZ VP OPERATIONS 40.00 X 107181 0 8490 JESUS CASTILLO VP MORTGAGE LENDING 40.00 X 116547 0 0 MELISSA PETOSKEY VP ACCOUNTING 40.00 X 121609 0 25439 1972123 0 195374 11 0 1 0 MASTERCARD INTERNATIONAL 2200 MASTERCARD BOULEVARD OFALLON MI 63368 CREDIT CARD 504739 CO-OP FINANCIAL SERVICES 9692 HAVEN AVE RANCHO CUCAMONGA CA 91730 ATM SERVICE 452561 COMPUTER MARKETING CORP 8520 SOUTH SANDY PARKWAY SANDY UT 84070 COMPUTER PROCESSING 339477 PRIME MAINTENANCE & MANAGEMENT 21906 BIG BEND CANYON SAN ANTONIO TX 78258 REPAIRS & MAINTENANCE 242799 CENNOX REACTIVE FIELD SERVICES PO BOX 7048 GROUP 22 INDIANAPOLIS IN 46207 ATM SERVICE 166994 14 INTEREST INCOME 522100 17032311 17032311 MISC. OPERATING INCOME 522100 2794290 2794290 FEE INCOME 522100 1885237 1885237 PENSION PLAN INCOME 522100 170053 170053 CUIS INCOME 522100 100920 100920 10847 10847 21993658 1779432 1779432 192760 15998 176762 176762 176762 23949852 23661323 111767 176762 2170498 3083552 315470 488639 389461 23230 159000 480552 1131497 1386297 104194 8318216 289972 87071 LOAN SERVICING EXPENSE 1034625 OTHER OUTSIDE SERVICES 953705 VANTIV EXPENSE 621682 LOAN LOSSES EXPENSE 614018 866598 22518277 4320657 3678136 1052282 1915599 309817525 307365665 800141 733881 26393765 10296977 16237985 16096788 62457570 69946950 15877563 17066257 410563723 416803276 4838352 4449667 381318345 385646828 386156697 390096495 X 0 0 0 0 24407026 26706781 24407026 26706781 410563723 416803276 1431575 868180 0 X 0 0 0 5350957 5350957 14284460 4995575 9288885 1674930 860679 814251 3420025 3004360 415665 1663393 1436363 227030 16096788 AVAILABLE FOR SALE SECURITIE 50371719 F CASH ACCOUNTS 5515994 C CAPITAL STOCK 2018460 C MUNICIPAL BONDS 12040777 F 69946950 DIVIDENDS PAYABLE 369702 MEMBER SHARES (DEPOSITS) 371422637 NOTES PAYABLE 12710000 OTHER LIABILITIES 1144489 385646828 X PART X, LINE 2: THE CREDIT UNION IS A STATE-CHARTERED CREDIT UNION WHICH IS EXEMPT, BY STATUTE, FROM FEDERAL AND STATE INCOME TAXES. GAAP REQUIRES THE CREDIT UNION MANAGEMENT TO EVALUATE TAX POSITIONS TAKEN BY THE CREDIT UNION AND RECOGNIZE A TAX LIABILITY (OR ASSET) IF THE CREDIT UNION HAS TAKEN AN UNCERTAIN POSITION THAT MORE LIKELY THAN NOT WOULD NOT BE SUSTAINED UPON EXAMINATION BY THE INTERNAL REVENUE SERVICE. THE CREDIT UNIONS MANAGEMENT HAS ANALYZED THE TAX POSITIONS TAKEN BY THE CREDIT UNION AND HAS CONCLUDED THAT AS OF DECEMBER 31, 2024, THERE ARE NO UNCERTAIN POSITIONS TAKEN OR EXPECTED TO BE TAKEN THAT WOULD REQUIRE RECOGNITION OF A LIABILITY (OR ASSET) OR DISCLOSURE IN THE CONSOLIDATED FINANCIAL STATEMENTS. THE CREDIT UNION MAY BE SUBJECT TO ROUTINE AUDITS BY TAXING JURISDICTIONS; HOWEVER, THERE ARE CURRENTLY NO AUDITS FOR ANY TAX PERIODS IN PROGRESS. THE CREDIT UNIONS MANAGEMENT BELIEVES IT IS NO LONGER SUBJECT TO INCOME TAX EXAMINATIONS FOR YEARS PRIOR TO 2021. X 1 1 X X 0 0 0 KYLE ASHLEY PRESIDENT/CEO 327738 0 80357 0 0 0 30500 0 1200 0 439795 0 0 0 TAMMINA JOHNSON COO 186652 0 34504 0 0 0 22035 0 1200 0 244391 0 0 0 JAMES BAUMANN CLO 171732 0 32876 0 0 0 25417 0 1200 0 231225 0 0 0 MARIO SALDIVAR CIO 153702 0 30402 0 0 0 10682 0 0 0 194786 0 0 0 ALFRED SAKER CFO 144939 0 27709 0 0 0 11683 0 1200 0 185531 0 0 0 DAVID GRAY MBR BUSINESS LENDING 138583 0 18433 0 0 0 23428 0 1200 0 181644 0 0 0 PATRICIA RHODES VP CONSUMER LENDING 131380 0 16653 0 0 0 30500 0 0 0 178533 0 0 0 FORM 990, PART VI, SECTION A, LINE 6 THERE ARE NO CLASSES OF MEMBERS, ONLY ONE TYPE OF MEMBER WITH THE SAME RIGHTS AS ANY OTHER MEMBER. FORM 990, PART VI, SECTION A, LINE 7A ALL MEMBERS HAVE THE RIGHT TO ELECT MEMBERS OF THE GOVERNING BODY AT THE ANNUAL MEETING AND ALL MEMBERS HAVE THE RIGHT TO RECEIVE A SHARE OF THE ORGANIZATION'S NET ASSETS UPON THE DISSOLUTION OF THE ORGANIZATION. FORM 990, PART VI, SECTION B, LINE 11B UPON COMPLETION OF FORM 990, THE CFO AND CEO WILL REVIEW IT AND DELIVER IT TO THE GOVERNING BODY FOR FINAL APPROVAL. FORM 990, PART VI, SECTION B, LINE 15A COMPENSATION SURVEY AND BOARD APPROVAL. FORM 990, PART VI, SECTION C, LINE 19 THE CREDIT UNION MAKES ITS GOVERNING DOCUMENTS, CONFLICT OF INTEREST, AND FINANCIAL STATEMENTS AVAILABLE TO THE PUBLIC UPON REQUEST. CREDIT UNION INCOME SOLUTIONS LLC 5500 UTSA BLVD STE 300 SAN ANTONIO TX 78249 FINANCIAL TX -1057 30855 UNITED TEXAS CREDIT UNION