2026-03-11T12:54:37-07:00 2025-12-31 990 2025-01-01 750896179 TEXOMA COMMUNITY CREDIT UNION TEXO 9408514000 PO Box 1320 Wichita Falls TX 76307 John Buckley CEO 9408514040 2026-03-11 2025 2025-03-06 01:10:19Z John Buckley 3800 Sheppard Access Rd Wichita Falls TX 76306 24603354 0 X TexomaCU.com X 1953 TX Texoma Community Credit Union is a provider of credit union financial services. 7 7 106 13 591024 0 0 0 18259933 20479416 1496078 1020539 2987955 3087632 22743966 24587587 0 0 0 0 6820514 7601822 0 0 0 13046982 13664668 19867496 21266490 2876470 3321097 276531868 307645621 243998079 271738673 32533789 35906948 Texoma Community Credit Union is a provider of credit union financial services. 0 0 Share Accounts: Tccu's share accounts offer advantages to members of all ages. The Credit Union had over 25,000 member-owners on December 31, 2025. Members' savings accounts pay dividends quarterly and offer access through two local offices, home banking via the Internet or telephone, and ATMs worldwide. Special savings accounts designed for children encourage the development of consistent savings habits. Checking Accounts: TCCU provides checking accounts for consumers with various features, from free accounts to those with special benefits. Most offer dividends that are paid monthly. Additionally, the credit union extends the reach of these accounts to all members with free debit cards, internet account access and free use of the Internet bill payer platform. Over 40% of the credit union's member-owners have a checking account. Consumer Loans: TCCU has provided vehicle loans since its inception. The consumer loan product line now includes efficient underwriting and flexible offering for recreational behicles, boats, and motorcycles as well as mortgages, signature loans, individual lines of credit, and loans secured by savings accounts. Consumer life and disability insurance is available on any of these loan types and assures that participating member-owners' loan payments are made without interruption in the even of their loss of income through death or disability. TCCU provided home equity loans with single distribution, fixed rate and payment. TCCU also provides first mortgage loans to enable member-owners to purchase the American Dream- their own home. 0 0 0 0 0 0 0 0 0 0 0 0 0 1 1 0 0 1 0 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 4249 0 1 106 1 1 1 0 0 0 0 0 0 0 X 7 7 0 0 0 0 1 1 0 1 1 0 0 1 1 1 1 1 1 1 1 0 TX X Kate Donovan 9408514010 Texoma Community Credit Union 3800 Sheppard Access Rd Wichita Falls TX 76306 John Buckley President & CEO 40 0 X X X 212851 0 0 Tara Neal CHRO 40 0 X X X 198609 0 0 Kenneth Thomason EVP & CLO 40 0 X X X 197453 0 0 Angela Ohmstede COO 40 0 X X X 196289 0 0 Kathryn Donovan CFO 40 0 X X X 174572 0 0 Misti Todd Mortgage Operations Manager 40 0 X X 145821 0 0 Chris Hansard VP of IT 40 0 X X 140565 0 0 Randy Brewster Commecial Loan Officer 40 0 X X 138431 0 0 Casey Allen Indirect Loan Officer 40 0 X X 117210 0 0 Leslie Rhodes VP Operations 40 0 X X 117210 0 0 Lauren McKechnie VP Marketing 40 0 X X 101579 0 0 Tarvarus Sanders Consumer Loan Manager 40 0 X X 100073 0 0 Ripley Tate Board Chairman 3 0 X 0 0 0 Lacy Morgan Vice Chairman 1 0 X 0 0 0 Vanda Cullar Treasurer 1 0 X 0 0 0 Stacy Darnall Secretary 1 0 X 0 0 0 Tony Ramirez Director 1 0 X 0 0 0 Scott Poenitzsch Director 1 0 X 0 0 0 David Farabee Director 1 0 X 0 0 0 1840663 0 0 12 0 1 0 0 0 Interest on loans 522130 17387303 17387303 0 0 Member Fees & Charges 522130 3092113 3092113 0 0 0 0 0 0 20479416 973400 973400 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 62906 0 15767 0 47139 47139 47139 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 3087632 2496608 591024 0 3087632 24587587 23996563 591024 0 0 0 0 0 785365 0 5311535 337608 858210 309104 0 85936 80784 0 0 0 1251997 1185140 799325 2085891 0 358547 0 0 143930 4241284 0 616037 93166 Provision for Loan Losses 1498741 Loan Servicing Costs 622224 Miscellaneous Losses 178121 Dues & Subscriptions 40306 383239 21266490 0 0 0 3870245 4608319 0 0 0 4736645 6005254 0 0 0 0 225501750 261629099 0 0 616166 754577 12892539 8333629 4302053 4558910 0 0 27989434 18091564 0 0 0 0 9515575 11997898 276531868 307645621 1732761 4685995 0 0 0 0 0 0 0 0 0 0 0 0 0 0 242265318 267052678 243998079 271738673 X 0 0 0 0 32533789 35906948 32533789 35906948 276531868 307645621 X 3321097 0 0 0 0 52062 X X 0 1 1 0 0 1212023 1212023 0 5136283 3848040 1288243 0 0 0 0 0 0 0 0 0 6544233 4485589 2058644 4558910 18091564 F 0 18091564 0 Member Shares 267052678 267052678 X X 1 1 X X X 0 1 1 John Buckley President & CEO 185308 0 20000 0 7543 0 0 0 0 0 212851 0 0 0 Tara Neal CHRO 165442 0 26275 0 6892 0 0 0 0 0 198609 0 0 0 Kenneth Thomason EVP & CLO 176953 0 20500 0 0 0 0 0 0 0 197453 0 0 0 Angela Ohmstede COO 170624 0 24365 0 1300 0 0 0 0 0 196289 0 0 0 Kathryn Donovan CFO 150372 0 22250 0 1950 0 0 0 0 0 174572 0 0 0 Schedule J, Part I, Line 1a TCCU has a policy that provides for the travel of 1 companion when an employee must travel for business. Any employee or director may use this policy while traveling to conferences/meetings. TCCU also has a written policy that allows for up to $20/mo of gym membership or health club dues for all employees that meet the criteria of a certain number of visits per month and submit a written request. Schedule J, Part I, Line 3 A CEO Executive Committee annually determines the CEO's salary based on his performance for the year, peer comparisons of performance and other determining factors. They consult two different salary/compensation guides for the industry (Balance Comp & the Cornerstone Credit Union League's Annual Compensation Survey). Schedule J, Part I, Line 4 Kate Donovan, Tara Neal, and Angie Ohmstede all participated in a 457(f) plan during 2025. Tarvarus Sanders, Misti Todd, Lauren McKechnie, Chris Hansard, and Leslie Rhodes were also offered 457(f) plans at the end of 2025, with payouts in the future. Kenneth Thomason, John Buckley, Kate Donovan, Angie Ohmstede, and Tara Neal all participated in Split Dollar plans during 2025 as well. Total Credit Union principle, not including accrued interest, in the Split Dollar plans is $2,675,000. Form 990, Part VI, Section A, Line 6 As a credit union, anyone who wishes to join and is eligible (as defined in our bylaws) must open and maintain a shares account of $25. Form 990, Part VI, Section A, Line 7a As a credit union, anyone who wishes to join and is eligible (as defined in our bylaws) must open and maintain a shares account of $25. Form 990, Part VI, Section B, Line 11b A copy of the 990 was provided to TCCU's Board of Directors for review. Questions and comments, if any, are submitted to the CFO for further discussion and follow-up response back to the BoD for final approval. Form 990, Part VI, Section B, Line 12c Directors and officers sign a binding agreement to disclose any and all potential conflicts of interest. Directors and officers are required to recuse themselves from participation in discussion of business and voting when they might have a vested interest with an issue up for consideration. Such actions are recorded in the minutes of the meetings of the BoD if and when they occur. Form 990, Part VI, Section B, Line 15 The BoD has a CEO Performance Evaluation Committee. The major item, aside from performance, they use to determine pay are wage compensation survey tools called Balanced Comp and Cornerstone Credit Union League's annual compensation guide. This compares credit union employee compensation based on asset categories, location, and various other factors to determine a pay that is fair and reasonable. This tool is used for each credit union employee. Form 990, Part VI, Section C, Line 19 TCCU makes its governing documents, conflict of interest policy, and financial statements available to the public upon request. Form 990, Part XI, Line 9 Merged in IBEW Credit Union. Added in $52,061.79 in their undivided earnings to our earnings. Form 990, Part XII, Line 2c The independently functioning audit committee of Texoma Community Credit Union selected an independent CPA firm to audit the CU/s financials. This was the sixth year they selected an independent CPA firm to do a full financial statement audit rather than the Agreed Upon Procedures Audit.