Nonprofit · EIN 74-0695355
SMART FINANCIAL CREDIT UNION
Tax-exempt · HOUSTON, TX 77072
Financials
| Year ended | Form | Revenue | Expenses | Net income | Total assets | Liabilities | Net assets |
|---|---|---|---|---|---|---|---|
| December 31, 2024 | 990 | $47,907,359 | $45,848,422 | $2,058,937 | $783,377,617 | $698,361,063 | $85,016,554 |
| December 31, 2023 | 990 | $46,366,482 | $43,302,703 | $3,063,779 | $848,281,672 | $776,160,257 | $72,121,415 |
Financial details: 990 for the year ended December 31, 2024
Revenue
- Contributions, gifts and grants
- $0
- Program service revenue
- $42,365,017
- Investment income
- $3,598,649
- Net rental income
- $107,929
- Net gain from sales of assets
- -$2,382,335
- Other revenue
- $1,943,693
Expenses
- Grants and similar amounts paid
- $15,000
- Benefits paid to members
- $7,526,717
- Compensation of officers, directors and key employees
- $3,009,702
- Other salaries and wages
- $12,811,476
- Salaries, compensation and benefits (total)
- $20,119,348
- Professional fundraising fees
- $0
- Legal fees
- $252,801
- Accounting fees
- $265,886
- Occupancy
- $2,707,145
- Depreciation
- $1,956,292
Balance sheet and other
- Total assets, start of year
- $848,281,672
- Total assets, end of year
- $783,377,617
- Total liabilities, end of year
- $698,361,063
- Net assets, end of year
- $85,016,554
- Land, buildings and equipment
- $31,948,653
- Gross unrelated business income
- $1,018,952
- Gross receipts
- $51,282,074
- Employees
- 232
- Volunteers
- 13
- Year formed
- 1934
- 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.
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| LEANN KACZYNSKI | CEO Officer | 50 | $826,799 | $185,941 |
| ANGELA CHAN | EVP / CFO Officer | 50 | $305,167 | $136,105 |
| BRIAN ZIEMBA | CCO Key employee | 45 | $252,412 | $67,449 |
| JULIO ROMAN | CRO Key employee | 45 | $258,595 | $45,671 |
| MARCUS MANNING | CIO Key employee | 45 | $268,332 | $35,387 |
| SEAN PRICE | CLO Key employee | 45 | $213,546 | $64,432 |
| CORBIN WILSON | CXO Key employee | 45 | $221,531 | $53,335 |
| CHRIS CONWAY | COO Highest-paid employee | 45 | $202,452 | $40,338 |
| ANGELA AGUIRRE | SVP MEMBER EXPERIENCE - DIGITAL Highest-paid employee | 45 | $180,804 | $41,808 |
| CAIRE HUMPHREY | SVP MEMBER EXPERIENCE - RETAIL Highest-paid employee | 45 | $170,841 | $40,068 |
| ANDREW HUANG | VP MARKETING Highest-paid employee | 45 | $168,351 | $35,865 |
| LUIS GARCIA | VP COMMERCIAL CREDIT Highest-paid employee | 45 | $180,715 | $14,909 |
| TAMMIE MOORE | VICE-CHAIR Trustee or director, Officer | 6 | $9,000 | $0 |
| DIANA CARRION | TREASURER Trustee or director, Officer | 6 | $9,000 | $0 |
| LARRY FRAZIER | DIRECTOR Trustee or director | 6 | $9,000 | $0 |
6 more people on this return
| Name | Title | Hours / week | Compensation |
|---|---|---|---|
| MICHAEL O'NEILL | DIRECTOR Trustee or director | 6 | $9,000 |
| CHAD G GREER | CHAIRMAN Trustee or director, Officer | 6 | $8,250 |
| TIMOTHY RAFFIELD | SECRETARY Trustee or director, Officer | 6 | $8,250 |
| JEFFREY W HAMLIN | DIRECTOR Trustee or director | 6 | $8,250 |
| MIKE CHILDERS | DIRECTOR Trustee or director | 6 | $7,500 |
| DR ROBERT BOSTIC | DIRECTOR Trustee or director | 6 | $6,750 |
990 for the year ended December 31, 2023: 21 people
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| LEANN KACZYNSKI | CEO Officer | 50 | $423,705 | $189,633 |
| PRESTON PRICE | CXO (THRU 09/23) Key employee | 45 | $413,844 | $42,717 |
| ANGELA CHAN | EVP / CFO Officer | 50 | $255,181 | $107,987 |
| BRIAN ZIEMBA | CCO Key employee | 45 | $211,004 | $63,270 |
| MARCUS MANNING | CIO Key employee | 45 | $225,042 | $30,538 |
| JULIO ROMAN | CRO Key employee | 45 | $219,992 | $28,966 |
| CORBIN WILSON | CMO Key employee | 45 | $171,040 | $47,530 |
| SEAN PRICE | CLO Key employee | 45 | $171,407 | $43,657 |
| CHRIS CONWAY | SVP ENTERPRISE OPERATIONS / COO Highest-paid employee | 45 | $154,366 | $33,908 |
| ANGELA AGUIRRE | SVP RELATIONSHIP DEVELOPMENT Highest-paid employee | 45 | $149,863 | $33,798 |
| LUIS GARCIA | VP COMMERCIAL CREDIT Highest-paid employee | 45 | $152,507 | $12,324 |
| RAYMOND FINNEGAN | VP LOGISTICS / SECURITY Highest-paid employee | 45 | $131,026 | $30,096 |
| ANDREW HUANG | VP MARKETING Highest-paid employee | 45 | $140,172 | $13,896 |
| CHAD G GREER | CHAIRMAN Trustee or director, Officer | 6 | $8,350 | $0 |
| TAMMIE MOORE | VICE-CHAIR Trustee or director, Officer | 6 | $8,350 | $0 |
| TIMOTHY RAFFIELD | SECRETARY Trustee or director, Officer | 6 | $8,350 | $0 |
| DIANA CARRION | TREASURER Trustee or director, Officer | 6 | $8,350 | $0 |
| JEFFREY W HAMLIN | DIRECTOR Trustee or director | 6 | $8,350 | $0 |
| LARRY FRAZIER | DIRECTOR Trustee or director | 6 | $8,350 | $0 |
| DOUTHULIA GARDNER | DIRECTOR Trustee or director | 6 | $8,350 | $0 |
| MICHAEL O'NEILL | DIRECTOR Trustee or director | 6 | $8,350 | $0 |
Address and contacts
- Address (IRS master file)
- 6051 N COURSE DR STE 100, HOUSTON, TX 77072-1668
- In care of
- % ANGIE FULLER
- Principal officer (990 for 2024)
- LEANN KACZYNSKI, 6051 NORTH COURSE DRIVE 100, HOUSTON, TX 77072
- Signed the 990
- LEANN KACZYNSKI, CEO
- Phone
- (713) 850-1600
- Website
- WWW.SMARTCU.ORG
- Return prepared by
- CLIFTONLARSONALLEN LLP
Mission
PROMOTE FINANCIAL WELL-BEING WITHIN OUR COMMUNITIES BY PROVIDING FINANCIAL EDUCATION AND DEVELOPING DEEP, LIFELONG RELATIONSHIPS WITH OUR MEMBERS, TEAMMATES, AND COMMUNITY PARTNERS.
Program accomplishments
- NON-PROFIT SAVINGS INSTITUTION INCORPORATED UNDER PROVISIONS OF THE TEXAS CREDIT UNION ACT, FOR THE PURPOSE OF ENCOURAGING THRIFT AND PROVIDING CREDIT AT A FAIR AND REASONABLE RATE FOR OUR 60,000 PLUS 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 year | Year ended | Due | IRS public records |
|---|---|---|---|
| 2025 | December 31, 2025 | May 15, 2026 | Not on file |
| 2024 | December 31, 2024 | May 15, 2025 | 990 on file |
| 2023 | December 31, 2023 | May 15, 2024 | 990 on file |
IRS record
- EIN
- 74-0695355
- 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
- Group exemption
- 2742: CREDIT UNION DEPARTMENT OF THE STATE OF TEXAS
- Assets (IRS master file)
- $783,377,617
- Income (IRS master file)
- $51,282,074
Filing history
| Form | Year ended | Revenue | Expenses | Assets | Return |
|---|---|---|---|---|---|
| 990 | December 2024 | $47,907,359 | $45,848,422 | $783,377,617 | XML |
| 990 | December 2023 | $46,366,482 | $43,302,703 | $848,281,672 | XML |
| 990 | December 2022 | $39,299,069 | $34,267,295 | $858,528,681 | IRS |
| 990 | December 2021 | – | – | – | IRS |
| 990 | December 2020 | – | – | – | IRS |
| 990 | December 2019 | – | – | – | IRS |
| 990 | December 2018 | – | – | – | IRS |
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 74-0695355).
Questions about SMART FINANCIAL CREDIT UNION
- What is the EIN of SMART FINANCIAL CREDIT UNION?
- The employer identification number (EIN) of SMART FINANCIAL CREDIT UNION is 74-0695355.
- Is SMART FINANCIAL CREDIT UNION tax-exempt?
- Yes. The IRS lists it as tax-exempt under section 501(c)(14) since 1976.
- Are donations to SMART FINANCIAL CREDIT UNION tax-deductible?
- No. The IRS master file says contributions to it are not deductible.
- Which annual return does SMART FINANCIAL 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 SMART FINANCIAL 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 SMART FINANCIAL 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 SMART FINANCIAL CREDIT UNION?
- The 990 for the year ended December 31, 2024 names LEANN KACZYNSKI.
- Who are the officers and directors of SMART FINANCIAL CREDIT UNION?
- The 990 for the year ended December 31, 2024 lists 21 people; 21 received compensation from the organization, the highest $826,799 (LEANN KACZYNSKI, CEO).
- How much revenue does SMART FINANCIAL CREDIT UNION have?
- On its 990 for the year ended December 31, 2024 it reported revenue of $47,907,359, expenses of $45,848,422 and total assets of $783,377,617 at year end.
Other nonprofits in HOUSTON
- MEMORIAL HERMANN HEALTH SYSTEM EIN 74-1152597 · last filed 990 for 2025
- METHODIST HOSPITAL GROUP EIN 35-2410801 · last filed 990 for 2024
- THE METHODIST HOSPITAL EIN 74-1180155 · last filed 990 for 2024
- BAYLOR COLLEGE OF MEDICINE EIN 74-1613878 · last filed 990 for 2025
- COMMUNITY HEALTH CHOICE TEXAS INC EIN 81-4077507 · last filed 990 for 2022
- WILLIAM MARSH RICE UNIVERSITY EIN 74-1109620 · last filed 990 for 2025
- COMMUNITY HEALTH CHOICE INC EIN 76-0495152 · last filed 990 for 2022
- BAKERRIPLEY EIN 23-7062976 · last filed 990 for 2024