2026-04-21T12:19:44-07:00 2025-12-31 990 2025-01-01 740695417 U S EMPLOYEES CREDIT UNION USEM 7135953400 24909 Kuykendahl Rd Tomball TX 77375 Marina Izvekova VP of Accounting 7135953316 2026-04-23 2025 2025-03-06 01:10:19Z USE Credit Union Sandra Childers 24909 Kuykendahl Rd Tomball TX 77375 4442614 0 2742 X www.usecuweb.com X 1933 TX USE Credit Union is a cooperative thrift financial institution and is a State Chartered Credit Union in the State of Texas. USE Credit Union is insured by the National Credit Union Administration. USE Credit Union offers competitive financial products and services to members. USE Credit Union's mission is to encourage members' personal sucess through exceptional financial services. 9 9 22 9 14849 0 0 0 2727393 2628481 1689776 1814133 0 0 4417169 4442614 0 0 0 0 1445347 1395656 0 0 0 2279274 2412935 3724621 3808591 692548 634023 87569638 86642532 79551451 77990322 8018187 8652210 USE Credit Union's Mission is to encourage members' personal sucess through exceptional financial services. USE Credit Union offers competive deposit and loan rates to members, offering a cooperative approach to banking. 0 0 187886 219812 Share Saving Accounts, USE Credit Union offers many different types of share savings accounts that pay our members competitive dividend tares. There are accounts that fit the needs of consumers of all ages from youth saving account that teach young people the importance of savings and how to make wise purchasing choices to IRA share and certificates accounts for mature members, members have access to personal finance tools provided by the Credit Union to help them make good financial decisions. 291011 340460 Checking Accounts, USE Credit union offers a checking product for whatever a member's financial needs are. We offer free checking, a dividend checking, and even a second chance checking account for those members who have been denied service at retail banks. Member can access their funds at one of our two branch locations, at any shared service center locations, online or with a no fee MC debit card. 1755124 2053360 Consumer Loan, USE Credit Union provides a wide range of loan products to our members. We offer lower rates than most retail banks in the area for a comparable product. Our goal is to offer affordable options to our members all while providing outstanding customer service. We provide credit counseling to our members and offer alternatives to preditory lenders or payday loans 1550643 1814133 Other CU programs including investments 1550643 0 1814133 3784664 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 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 1 709 0 1 22 1 1 1 0 0 0 0 0 0 0 X 9 9 0 0 0 0 1 1 1 1 1 0 1 1 0 0 0 1 1 1 0 X Sandra childers 7135953400 24909 Kuykendahl Rd Tomball TX 77375 Sandra Childers CEO 40 0 X 110215 0 29842 Marina Izvekova VP of Accounting 40 0 X 98601 0 30032 Latisha Schools VP of Operations 40 0 X 73786 0 17866 Laura Leal IT Manager 40 0 X 56315 0 25666 Clarence Brooks Director 1 0 X 0 0 0 Pamela Edwards Director 1 0 X 0 0 0 Mike Foster Chairman, Director 1 0 X 0 0 0 Charles Konikoff Vice Chairperson, Director 1 0 X 0 0 0 Gerald Bunn Board Secretary, Treasurer, Director 1 0 X 0 0 0 Linda Corbin Director 1 0 X 0 0 0 Christopher Fortune Director 1 0 X 0 0 0 Karen Hyman Director 1 0 X 0 0 0 Shahara Wright Director 1 0 X 0 0 0 338917 0 103406 1 0 0 0 Fiserv Solutions LLC 255 Fiserv Drive Brookfield WI 53045 Core System for shares, loans and debit cards 422975 FocusOne Now LLC 9601 Jones Road suite 108 Houston TX 77065 Indirect Landing 172336 DataVox Inc 6650 W Sam Houston Parkway S Houston TX 77072 IT support and management 127651 3 0 Interest on Loans 522130 1958070 1958070 0 0 Member Fees and Charges 522130 363517 363517 0 0 Loan Fee Income 522130 95290 95290 0 0 Plastic Cards Interchange Income 522130 196755 196755 0 0 Other Misc Income 522130 14849 0 14849 0 0 0 0 0 2628481 1814133 1814133 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 4442614 4427765 14849 0 X 338917 0 779231 71144 134173 72191 15907 27700 20001 409022 52909 387442 403235 294447 1553 11262 446291 39795 57738 Provision for Credit Losses 196712 Other Misc. Operating Expenses 46946 Other Non-Operating Misc. Expenses 1975 3808591 0 0 0 796400 513691 20389319 22931097 113982 26846 37178623 36011534 180508 238785 4249022 1492391 2826860 2756631 1932852 676211 22951414 22383051 1199680 1104686 87569638 86642532 600058 818986 802 0 78950591 77171336 79551451 77990322 X 0 0 0 0 8018187 8652210 8018187 8652210 87569638 86642532 634023 0 0 0 0 0 X 1 1 1 0 0 922971 922971 0 2491132 811215 1679917 0 37798 37798 0 0 756740 643378 113362 0 40381 0 40381 2756631 0 0 Corporate FCU Shares 167708 C CD in commercial banks greater then 1 year 20587000 C FocusOne Now LLC9 Form. CUSO) 1628343 F 22383051 11440 Share Deposit Accounts 40810474 Share Draft Deposit Accounts 19251580 Money Market Accounts 2644445 Certificate Accounts 11371456 IRA Accounts 881861 IRA Certificate Accounts 2200080 77171336 X Schedule D, Part X, Line 2 Part X Line 2 includes deposits on interest bearing accounts in Federal Reserve, Corporate CU, CDs in commercial banks and other investments maturing in less than one year. Form 990, Part VI, Section A, Line 6 The Credit Union has member owners. Form 990, Part VI, Section A, Line 7a The Credit Union members nominate directors which are then elected to terms of service at the annual meeting. Form 990, Part VI, Section A, Line 7b - Decisions to merge the Credit Union or discontinue business must be ratified by membership. Form 990, Part VI, Section B, Line 11b The accounting department is responsible for the preparation of return. It is then reviewed by CEO and VP of Operations. Then return filed, and a copy is available at the main office location for review by the Board of Directors, auditors, examiners, or the membership of the Credit Union. Form 990, Part VI, Section B, Line 15 The Board of directors is responsible for making the salary decisions for the CEO. The Board appoints a compensation committee which uses industry compensation surveys to make the salary recommendations to the Board. The CEO then uses the same surveys as a tool to make Credit Union officers salary ranges. Form 990, Part VI, Section C, Line 19 Governing Documents, Financial Statements, and Conflict of Interest Policies are available to members upon request at main office located in Tomball, TX. Form 990, Part IX, Line 11g Other fees and services include the following: loan servicing expenses for $ 167,002, armed guard expenses for $87,669, shared branch expenses for $40,170, and other professional services (payroll, IT management and others) for $114,181.