Nonprofit · EIN 74-1142771
LCRA CREDIT UNION
Tax-exempt · AUSTIN, TX 78760
Financials
| Year ended | Form | Revenue | Expenses | Net income | Total assets | Liabilities | Net assets |
|---|---|---|---|---|---|---|---|
| December 31, 2025 | 990 | $939,991 | $967,965 | -$27,974 | $20,828,478 | $56,373 | $20,772,105 |
| December 31, 2024 | 990 | $1,032,917 | $935,380 | $97,537 | $21,192,279 | $75,611 | $21,116,668 |
| December 31, 2023 | 990 | $980,172 | $913,655 | $66,517 | $22,358,715 | $651,036 | $21,707,679 |
Financial details: 990 for the year ended December 31, 2025
Revenue
- Contributions, gifts and grants
- $0
- Program service revenue
- $559,917
- Investment income
- $372,010
- Other revenue
- $8,064
Expenses
- Grants and similar amounts paid
- $0
- Compensation of officers, directors and key employees
- $119,025
- Other salaries and wages
- $245,758
- Salaries, compensation and benefits (total)
- $402,787
- Professional fundraising fees
- $0
- Legal fees
- $4,431
- Accounting fees
- $10,866
- Occupancy
- $36,009
- Travel
- $1,550
- Depreciation
- $9,387
Balance sheet and other
- Total assets, start of year
- $21,192,279
- Total assets, end of year
- $20,828,478
- Total liabilities, end of year
- $56,373
- Net assets, end of year
- $20,772,105
- Land, buildings and equipment
- $26,321
- Gross unrelated business income
- $7,831
- Gross receipts
- $939,991
- Employees
- 0
- Volunteers
- 7
- Year formed
- 1945
- 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 |
|---|---|---|---|
| Melissa Reyes | President Key employee | 40 | $119,025 |
| Tim Lane | Executive Vice President Officer | 5 | $33,486 |
| Dowell Garrison | Secretary Trustee or director | 1 | $0 |
| Fred Lamoreaux | Director Trustee or director | 1 | $0 |
| Vic Ramirez | Vice Chairman Trustee or director | 1 | $0 |
| Miguel Nunez | Director Trustee or director | 1 | $0 |
| Rita Summy | Treasurer Institutional trustee | 1 | $0 |
| Jonathan Riley | Chairman Institutional trustee | 1 | $0 |
| Ken Taylor | Director Institutional trustee | 1 | $0 |
990 for the year ended December 31, 2024: 9 people
| Name | Title | Hours / week | Compensation |
|---|---|---|---|
| Melissa Reyes | President Key employee | 40 | $121,044 |
| Tim Lane | Executive Vice President Officer | 40 | $111,232 |
| Dowell Garrison | Secretary Trustee or director | 1 | $0 |
| Fred Lamoreaux | Director Trustee or director | 1 | $0 |
| Vic Ramirez | Vice Chairman Trustee or director | 1 | $0 |
| Miguel Nunez | Director Trustee or director | 1 | $0 |
| Rita Summy | Treasurer Institutional trustee | 1 | $0 |
| Jonathan Riley | Chairman Institutional trustee | 1 | $0 |
| Ken Taylor | Director Institutional trustee | 1 | $0 |
990 for the year ended December 31, 2023: 9 people
| Name | Title | Hours / week | Compensation |
|---|---|---|---|
| Tim Lane | Executive Vice President Officer | 40 | $102,140 |
| Melissa Reyes | President Key employee | 40 | $43,451 |
| Dowell Garrison | Secretary Trustee or director | 1 | $0 |
| Fred Lamoreaux | Director Trustee or director | 1 | $0 |
| Vic Ramirez | Vice Chairman Trustee or director | 1 | $0 |
| Miguel Nunez | Director Trustee or director | 1 | $0 |
| Rita Summy | Treasurer Institutional trustee | 1 | $0 |
| Jonathan Riley | Chairman Institutional trustee | 1 | $0 |
| Ken Taylor | Director Institutional trustee | 1 | $0 |
Address and contacts
- Address (IRS master file)
- PO BOX 19138, AUSTIN, TX 78760-9138
- In care of
- % MELISSA REYES
- Principal officer (990 for 2025)
- Melissa Reyes, PO BOX 19138, Austin, TX 78744
- Signed the 990
- Melissa Reyes, President
- Phone
- (737) 212-0030
- Website
- lcracu.org
Mission
The mission of LCRA Credit Union is to provide excellent financial services to our members.
Program accomplishments
- Loans & Investmentsrevenue $835,001
- checking, share, and IRA Accountsrevenue $56,937
- credit cards & debit cardsrevenue $39,989
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
- 74-1142771
- 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)
- $20,828,478
- Income (IRS master file)
- $939,991
Filing history
| Form | Year ended | Revenue | Expenses | Assets | Return |
|---|---|---|---|---|---|
| 990 | December 2025 | $939,991 | $967,965 | $20,828,478 | IRS |
| 990 | December 2024 | $1,032,917 | $935,380 | $21,192,279 | IRS |
| 990 | December 2023 | $980,172 | $913,655 | $22,358,715 | XML |
| 990 | December 2022 | $802,546 | $776,207 | $24,608,833 | 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 74-1142771).
Questions about LCRA CREDIT UNION
- What is the EIN of LCRA CREDIT UNION?
- The employer identification number (EIN) of LCRA CREDIT UNION is 74-1142771.
- Is LCRA CREDIT UNION tax-exempt?
- Yes. The IRS lists it as tax-exempt under section 501(c)(14) since 1976.
- Are donations to LCRA CREDIT UNION tax-deductible?
- No. The IRS master file says contributions to it are not deductible.
- Which annual return does LCRA 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 LCRA 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 LCRA 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 LCRA CREDIT UNION?
- The 990 for the year ended December 31, 2025 names Melissa Reyes.
- Who are the officers and directors of LCRA CREDIT UNION?
- The 990 for the year ended December 31, 2025 lists 9 people; 2 received compensation from the organization, the highest $119,025 (Melissa Reyes, President).
- How much revenue does LCRA CREDIT UNION have?
- On its 990 for the year ended December 31, 2025 it reported revenue of $939,991, expenses of $967,965 and total assets of $20,828,478 at year end.
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