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Nonprofit · EIN 41-0447515

UNITY ONE CREDIT UNION

Tax-exempt · FORT WORTH, TX 76131

Financials

$16.5M$16.7M2024$16.4M$16.9M2025
Revenue Expenses · by fiscal year end
Financials of UNITY ONE CREDIT UNION by year, from its e-filed returns
Year endedFormRevenueExpensesNet incomeTotal assetsLiabilitiesNet assets
December 31, 2025990$16,400,802$16,944,931-$544,129$271,259,560$258,406,127$12,853,433
December 31, 2024990$16,533,928$16,678,773-$144,845$290,035,161$280,411,590$9,623,571
Financial details: 990 for the year ended December 31, 2025

Revenue

Contributions, gifts and grants
$0
Program service revenue
$13,563,898
Investment income
$2,769,717
Royalties
$58,410
Other revenue
$67,187

Expenses

Grants and similar amounts paid
$0
Compensation of officers, directors and key employees
$687,082
Other salaries and wages
$3,859,255
Salaries, compensation and benefits (total)
$5,889,593
Professional fundraising fees
$0
Legal fees
$14,000
Accounting fees
$25,920
Occupancy
$517,500
Depreciation
$384,745

Balance sheet and other

Total assets, start of year
$290,035,161
Total assets, end of year
$271,259,560
Total liabilities, end of year
$258,406,127
Net assets, end of year
$12,853,433
Land, buildings and equipment
$6,986,655
Publicly traded securities
$53,069,593
Gross unrelated business income
$8,777
Gross receipts
$16,400,802
Employees
106
Volunteers
10
Year formed
1927
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.

NameTitleHours / weekCompensationOther / benefits
SCOTT WARDPRESIDENT / CEO
Officer
40$400,308$469,086
NATHAN WEBBVP TECHNOLOGY
Highest-paid employee
40$159,115$45,870
BETH PETERSVP LENDING
Key employee
40$164,035$26,000
JACKIE WISNESKIVP RETAIL
Highest-paid employee
40$128,056$54,030
PATTY REVISVICE PRESIDENT OF HUMAN RESOURCES
Highest-paid employee
40$109,243$46,933
HERB GARCIAVICE PRESIDENT OF RISK
Highest-paid employee
40$115,246$19,875
VINCENT ACCARDOCHAIRMAN OF THE BOARD
Trustee or director, Officer
3$0$0
RICHARD EBELVICE CHAIR
Trustee or director, Officer
3$0$0
PATRICK FORSYTHSECRETARY/TREASURER
Trustee or director, Officer
3$0$0
MARY DIGGSDIRECTOR
Trustee or director
3$0$0
DALE MARISTUENDIRECTOR (LEFT 03/2025)
Trustee or director
3$0$0
GREGORY PATIENTDIRECTOR
Trustee or director
3$0$0
WILLIAM RUPPDIRECTOR
Trustee or director
3$0$0
TIMOTHY SAVOYDIRECTOR
Trustee or director
3$0$0
990 for the year ended December 31, 2024: 14 people
NameTitleHours / weekCompensationOther / benefits
SCOTT WARDPRESIDENT / CEO
Officer
40$387,145$572,874
NATHAN WEBBVP TECHNOLOGY
Highest-paid employee
40$148,857$39,607
BETH PETERSVP LENDING
Key employee
40$156,577$24,643
JACKIE WISNESKIVP RETAIL
Highest-paid employee
40$117,873$47,685
PATTY REVISVICE PRESIDENT OF HUMAN RESOURCES
Highest-paid employee
40$103,656$40,629
HERB GARCIAVICE PRESIDENT OF RISK
Highest-paid employee
40$108,604$17,681
VINCENT ACCARDOCHAIRMAN OF THE BOARD
Trustee or director, Officer
3$0$0
RICHARD EBELVICE CHAIR
Trustee or director, Officer
3$0$0
PATRICK FORSYTHSECRETARY/TREASURER
Trustee or director, Officer
3$0$0
MARY DIGGSDIRECTOR
Trustee or director
3$0$0
DALE MARISTUENDIRECTOR
Trustee or director
3$0$0
GREGORY PATIENTDIRECTOR
Trustee or director
3$0$0
WILLIAM RUPPDIRECTOR
Trustee or director
3$0$0
TIMOTHY SAVOYDIRECTOR
Trustee or director
3$0$0

Address and contacts

Address (IRS master file)
6701 BURLINGTON BLVD, FORT WORTH, TX 76131-2834
In care of
% ERIC HOHLER
Principal officer (990 for 2025)
SCOTT WARD, 6701 BURLINGTON BOULEVARD, FORT WORTH, TX 76131
Signed the 990
SCOTT WARD, PRESIDENT & CEO
Phone
(817) 306-3127
Return prepared by
CLIFTONLARSONALLEN LLP

Mission

PROVIDES A VARIETY OF FINANCIAL SERVICES TO ITS MEMBERS. ITS PRIMARY DEPOSIT PRODUCTS ARE SHARE ACCOUNTS, CERTIFICATES OF DEPOSIT AND SHARE DRAFT ACCOUNTS, WHILE ITS PRIMARY LOAN PRODUCTS ARE SINGLE FAMILY RESIDENCE AND CONSUMER LOANS.

990 for the year ended December 31, 2025

Program accomplishments

  • LOANS: PROVIDING CONSUMER LOANS OF ALL TYPES, INCLUDING VEHICLE LOANS, UNSECURED LOANS, AND CREDIT CARDS. ALSO OFFERING RESIDENTIAL MORTGAGES AND SMALL BUSINESS LOANS.
  • SHARE SAVINGS ACCOUNTS: PROVIDING SHARE SAVINGS ACCOUNTS TO MEMBERS, OFFERING SPECIAL SHARE SAVINGS ACCOUNTS TO MINORS.
  • CHECKING ACCOUNTS: PROVIDING CHECKING ACCOUNTS WITH VARYING FEATURES. OFFERING BENEFITS SUCH AS ATM ACCESS, DEBIT CARDS AS WELL AS ON-LINE BENEFITS SUCH AS BILL PAYING.

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, 2026990 on file
2024December 31, 2024May 15, 2025990 on file
2023December 31, 2023May 15, 2024990 on file

IRS record

EIN
41-0447515
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
Assets (IRS master file)
$271,259,560
Income (IRS master file)
$16,400,802

Filing history

FormYear endedRevenueExpensesAssetsReturn
990December 2025–––IRS
990December 2024–––IRS
990December 2023$16,759,480$14,164,401$285,879,166IRS
990December 2022$13,037,693$10,970,008$300,046,301IRS
990December 2021–––IRS
990December 2020–––IRS
990December 2018–––IRS

990-N: the IRS publishes only the latest e-Postcard per organization; earlier years appear here as 990.tax collects the monthly files. 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.

Questions about UNITY ONE CREDIT UNION

What is the EIN of UNITY ONE CREDIT UNION?
The employer identification number (EIN) of UNITY ONE CREDIT UNION is 41-0447515.
Is UNITY ONE CREDIT UNION tax-exempt?
Yes. The IRS lists it as tax-exempt under section 501(c)(14) since 1976.
Are donations to UNITY ONE CREDIT UNION tax-deductible?
No. The IRS master file says contributions to it are not deductible.
Which annual return does UNITY ONE 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 UNITY ONE 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 UNITY ONE 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 UNITY ONE CREDIT UNION?
The 990 for the year ended December 31, 2025 names SCOTT WARD.
Who are the officers and directors of UNITY ONE CREDIT UNION?
The 990 for the year ended December 31, 2025 lists 14 people; 6 received compensation from the organization, the highest $400,308 (SCOTT WARD, PRESIDENT / CEO).
How much revenue does UNITY ONE CREDIT UNION have?
On its 990 for the year ended December 31, 2025 it reported revenue of $16,400,802, expenses of $16,944,931 and total assets of $271,259,560 at year end.

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