Nonprofit · EIN 74-0695417
U S EMPLOYEES CREDIT UNION
Also known as American Federation Of Government Employees Local 3332
Tax-exempt · TOMBALL, TX 77375
Financials
| Year ended | Form | Revenue | Expenses | Net income | Total assets | Liabilities | Net assets |
|---|---|---|---|---|---|---|---|
| December 31, 2025 | 990 | $4,442,614 | $3,808,591 | $634,023 | $86,642,532 | $77,990,322 | $8,652,210 |
| December 31, 2024 | 990 | $4,417,169 | $3,724,621 | $692,548 | $87,569,638 | $79,551,451 | $8,018,187 |
| December 31, 2023 | 990 | $3,694,785 | $3,484,680 | $210,105 | $89,351,225 | $82,025,586 | $7,325,639 |
Financial details: 990 for the year ended December 31, 2025
Revenue
- Contributions, gifts and grants
- $0
- Program service revenue
- $2,628,481
- Investment income
- $1,814,133
- Other revenue
- $0
Expenses
- Grants and similar amounts paid
- $0
- Compensation of officers, directors and key employees
- $338,917
- Other salaries and wages
- $779,231
- Salaries, compensation and benefits (total)
- $1,395,656
- Professional fundraising fees
- $0
- Legal fees
- $15,907
- Accounting fees
- $27,700
- Occupancy
- $294,447
- Travel
- $1,553
- Depreciation
- $39,795
Balance sheet and other
- Total assets, start of year
- $87,569,638
- Total assets, end of year
- $86,642,532
- Total liabilities, end of year
- $77,990,322
- Net assets, end of year
- $8,652,210
- Land, buildings and equipment
- $2,756,631
- Publicly traded securities
- $676,211
- Gross unrelated business income
- $14,849
- Gross receipts
- $4,442,614
- Employees
- 22
- Volunteers
- 9
- Year formed
- 1933
- 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.
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| Sandra Childers | CEO Officer | 40 | $110,215 | $29,842 |
| Marina Izvekova | VP of Accounting Officer | 40 | $98,601 | $30,032 |
| Latisha Schools | VP of Operations Officer | 40 | $73,786 | $17,866 |
| Laura Leal | IT Manager Key employee | 40 | $56,315 | $25,666 |
| Clarence Brooks | Director Trustee or director | 1 | $0 | $0 |
| Pamela Edwards | Director Trustee or director | 1 | $0 | $0 |
| Mike Foster | Chairman, Director Trustee or director | 1 | $0 | $0 |
| Charles Konikoff | Vice Chairperson, Director Trustee or director | 1 | $0 | $0 |
| Gerald Bunn | Board Secretary, Treasurer, Director Trustee or director | 1 | $0 | $0 |
| Linda Corbin | Director Trustee or director | 1 | $0 | $0 |
| Christopher Fortune | Director Trustee or director | 1 | $0 | $0 |
| Karen Hyman | Director Trustee or director | 1 | $0 | $0 |
| Shahara Wright | Director Trustee or director | 1 | $0 | $0 |
990 for the year ended December 31, 2024: 15 people
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| Sandra Childers | CEO Officer | 40 | $105,719 | $26,861 |
| Marina Izvekova | VP of Accounting Officer | 40 | $94,223 | $27,723 |
| Deborah K Gonzalez | VP of Operations Former | 40 | $103,467 | $7,795 |
| Laura Leal | IT Manager Key employee | 40 | $54,129 | $20,775 |
| Latisha Schools | VP of Operations Officer | 40 | $43,701 | $6,517 |
| Troy Conner | Director Trustee or director | 1 | $0 | $0 |
| Clarence Brooks | Chairman Trustee or director | 1 | $0 | $0 |
| Pamela Edwards | Director Trustee or director | 1 | $0 | $0 |
| Mike Foster | Vice Chairman Trustee or director | 1 | $0 | $0 |
| Charles Konikoff | Secretary / Treasurer Trustee or director | 1 | $0 | $0 |
| Gerald Bunn | Director Trustee or director | 1 | $0 | $0 |
| Linda Corbin | Director Trustee or director | 1 | $0 | $0 |
| Christopher Fortune | Director Trustee or director | 1 | $0 | $0 |
| Karen Hyman | Director Trustee or director | 1 | $0 | $0 |
| Shahara Wright | Director Trustee or director | 1 | $0 | $0 |
990 for the year ended December 31, 2023: 10 people
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| Sandra Childers | CEO Officer | 40 | $103,334 | $24,134 |
| Deborah K Gonzalez | VP Operations Officer | 40 | $105,008 | $10,757 |
| Marina Izvekova | VP of Accounting Officer | 40 | $89,172 | $25,732 |
| Troy Conner | Director Trustee or director | 1 | $0 | $0 |
| Clarence Brooks | Chairman Trustee or director | 1 | $0 | $0 |
| Pamela Edwards | Director Trustee or director | 1 | $0 | $0 |
| Mike Foster | Vice Chairman Trustee or director | 1 | $0 | $0 |
| Charles Konikoff | Secretary / Treasurer Trustee or director | 1 | $0 | $0 |
| Gerald Bunn | Director Trustee or director | 1 | $0 | $0 |
| Linda Corbin | Director Trustee or director | 1 | $0 | $0 |
Address and contacts
- Address (IRS master file)
- 24909 KUYKENDAHL RD, TOMBALL, TX 77375-3295
- In care of
- % SANDY CHILDERS
- Mailing address (990-N for 2007)
- PO BOX 671265, HOUSTON TX 772671265
- Principal officer (990 for 2025)
- Sandra Childers, 24909 Kuykendahl Rd, Tomball, TX 77375
- Principal officer (990-N for 2007)
- RICHARD LEARN, PO BOX 671265, HOUSTON TX 772671265
- Signed the 990
- Marina Izvekova, VP of Accounting
- Phone
- (713) 595-3400
- Website
- www.usecuweb.com
Mission
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.
Program accomplishments
- 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.Expenses $187,886 · revenue $219,812
- 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.Expenses $291,011 · revenue $340,460
- 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 loansExpenses $1,755,124 · revenue $2,053,360
- Other CU programs including investmentsExpenses $1,550,643 · revenue $1,814,133
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 | 990 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
- 74-0695417
- 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)
- $86,642,532
- Income (IRS master file)
- $4,442,614
Filing history
| Form | Year ended | Revenue | Expenses | Assets | Return |
|---|---|---|---|---|---|
| 990 | December 2025 | $4,442,614 | $3,808,591 | $86,642,532 | XML |
| 990 | December 2024 | $4,417,169 | $3,724,621 | $87,569,638 | XML |
| 990 | December 2023 | $3,694,785 | $3,484,680 | $89,351,225 | XML |
| 990 | December 2022 | $3,165,503 | $3,085,208 | $94,764,946 | IRS |
| 990 | December 2021 | – | – | – | IRS |
| 990 | December 2020 | – | – | – | IRS |
| 990 | December 2019 | – | – | – | IRS |
| 990 | December 2018 | – | – | – | IRS |
| 990-N for 2007 Officer: RICHARD LEARN | December 31, 2007 | ≤ $50,000 receipts | – | – | e-Postcard |
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 74-0695417).
Questions about U S EMPLOYEES CREDIT UNION
- What is the EIN of U S EMPLOYEES CREDIT UNION?
- The employer identification number (EIN) of U S EMPLOYEES CREDIT UNION is 74-0695417.
- Is U S EMPLOYEES CREDIT UNION tax-exempt?
- Yes. The IRS lists it as tax-exempt under section 501(c)(14) since 1976.
- Are donations to U S EMPLOYEES CREDIT UNION tax-deductible?
- No. The IRS master file says contributions to it are not deductible.
- Which annual return does U S EMPLOYEES 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 U S EMPLOYEES 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 U S EMPLOYEES 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 U S EMPLOYEES CREDIT UNION?
- The 990 for the year ended December 31, 2025 names Sandra Childers.
- Who are the officers and directors of U S EMPLOYEES CREDIT UNION?
- The 990 for the year ended December 31, 2025 lists 13 people; 4 received compensation from the organization, the highest $110,215 (Sandra Childers, CEO).
- How much revenue does U S EMPLOYEES CREDIT UNION have?
- On its 990 for the year ended December 31, 2025 it reported revenue of $4,442,614, expenses of $3,808,591 and total assets of $86,642,532 at year end.
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