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Nonprofit · EIN 74-1279052

EDINBURG TEACHERS CREDIT UNION

Tax-exempt · EDINBURG, TX 78539

Financials

$3.4M$2.9M2023$3.4M$3M2024$3.5M$3.1M2025
Revenue Expenses · by fiscal year end
Financials of EDINBURG TEACHERS CREDIT UNION by year, from its e-filed returns
Year endedFormRevenueExpensesNet incomeTotal assetsLiabilitiesNet assets
December 31, 2025990$3,501,513$3,137,322$364,191$96,837,310$80,914,961$15,922,349
December 31, 2024990$3,395,007$2,968,203$426,804$90,206,871$76,909,419$13,297,452
December 31, 2023990$3,397,260$2,948,570$448,690$92,086,437$79,962,411$12,124,026
Financial details: 990 for the year ended December 31, 2025

Revenue

Contributions, gifts and grants
$0
Program service revenue
$1,738,988
Investment income
$1,762,525
Other revenue
$0

Expenses

Grants and similar amounts paid
$0
Compensation of officers, directors and key employees
$297,993
Other salaries and wages
$918,983
Salaries, compensation and benefits (total)
$1,522,500
Professional fundraising fees
$0
Legal fees
$29,968
Accounting fees
$39,720
Occupancy
$88,248
Depreciation
$40,773

Balance sheet and other

Total assets, start of year
$90,206,871
Total assets, end of year
$96,837,310
Total liabilities, end of year
$80,914,961
Net assets, end of year
$15,922,349
Land, buildings and equipment
$507,485
Gross receipts
$3,501,513
Employees
19
Volunteers
5
Year formed
1955
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 / weekCompensation
MARY CARPENTERCEO
Officer
40$194,733
LAURA VAZQUEZCFO
Officer
40$103,260
OFELIA ABREGOVICE CHAIRPE
Trustee or director
1$0
JULIE GARZATREASURER
Trustee or director
1$0
MARIA E OVALLESECRETARY
Trustee or director
1$0
FRANCIS ROCHABOARD MEMBER
Trustee or director
1$0
ROBERT TAMEZCHAIRPERSON
Trustee or director
1$0
990 for the year ended December 31, 2024: 7 people
NameTitleHours / weekCompensation
MARY CARPENTERCEO
Officer
40$197,360
LAURA VAZQUEZCFO
Officer
40$99,870
OFELIA ABREGOVICE CHAIRPE
Trustee or director
1$0
JULIE GARZATREASURER
Trustee or director
1$0
MARIA E OVALLESECRETARY
Trustee or director
1$0
FRANCIS ROCHABOARD MEMBER
Trustee or director
1$0
ROBERT TAMEZCHAIRPERSON
Trustee or director
1$0
990 for the year ended December 31, 2023: 7 people
NameTitleHours / weekCompensation
MARY CARPENTERCEO
Officer
40$188,928
LAURA VAZQUEZCFO
Officer
40$87,788
OFELIA ABREGOVICE CHAIRPE
Trustee or director
1$0
RODRIGO CAINGLETBOARD MEMBER
Trustee or director
1$0
JULIE GARZATREASURER
Trustee or director
1$0
MARIA E OVALLESECRETARY
Trustee or director
1$0
ROBERT TAMEZCHAIRPERSON
Trustee or director
1$0

Address and contacts

Address (IRS master file)
900 W UNIVERSITY DR, EDINBURG, TX 78539-2904
Principal officer (990 for 2025)
MARY CARPENTER, 900 W UNIVERSITY DRIVE, EDINBURG, TX 78539
Signed the 990
MARY CARPENTER, CEO
Phone
(956) 259-3511
Return prepared by
WAVERLY BUSINESS SERVICES

Mission

FINANCIAL INSTITUTION PROVIDES BASIC FINANCIAL SERVICES TO MEMBERS IN THE FORM OF CHECKING, SAVINGS AND CERTIFICATE ACCOUNTS, IRAS, AND LOANS (SIGNATURE AND VEHICLE). THE CREDIT UNION ALSO PROVIDES CONVENIENCE SERVICES SUCH AS ONLINE BANKING, TELEPHONE BANKING, MONEY ORDERS AND TRAVELER'S CHECKS.

990 for the year ended December 31, 2025

Program accomplishments

  • ETCU MEMBERS ARE AFFORDED A LOW 25 MINIMUM DEPOSIT FOR MEMBERSHIP. MEMBER SAVINGS ACCOUNTS PAY QUARTERLY DIVIDENDS AT COMPETITIVE RATES WITH NO MONTHLY SERVICE FEES. SPECIAL SAVINGS ACCOUNTS ARE AVAILED AT NO EXTRA COSTS FOR MEMBERS WISHING TO SEPARATE SAVINGS FOR THEIR OWN INDIVIDUALLY EAR-MARKED PURPOSES. ETCU OFFERS LOW TO NO-COST CHECKING ACCOUNTS WITH FREE DEBIT CARD SERVICE. CHECKING ACCOUNTS PAY MONTHLY DIVIDENDS. COMPETITIVE RATE CERTIFICATE ACCOUNTS AND INDIVIDUAL RETIREMENT ACCOUNTS (IRAS) ARE OFFERED. 24-HOURS A DAY 7-DAYS A WEEK ACCESS TO ACCOUNTS IS AVAILABLE VIA AUTOMATED TELLER MACHINES, ONLINE BANKING AND AUTOMATED TELEPHONE LINES.
  • ETCU OFFERS A VARIETY OF LOW RATE LOANS TO MEMBERS. SOUND UNDERWRITING HAS LEAD TO A SOLID, WELL COLLATERALIZED LOAN PORTFOLIO. VEHICLE, SIGNATURE AND CREDIT CARD LOANS ARE AVAILABLE TO MEMBERS. CREDIT, LIFE AND DISABILITY INSURANCE IS ALSO AVAILABLE.

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
74-1279052
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)
$96,837,310
Income (IRS master file)
$3,501,513

Filing history

FormYear endedRevenueExpensesAssetsReturn
990December 2025$3,501,513$3,137,322$96,837,310XML
990December 2024$3,395,007$2,968,203$90,206,871XML
990December 2023$3,397,260$2,948,570$92,086,437XML
990December 2022$3,580,886$3,164,922$96,360,161IRS
990December 2021–––IRS
990December 2020–––IRS
990December 2019–––IRS
990December 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 74-1279052).

Questions about EDINBURG TEACHERS CREDIT UNION

What is the EIN of EDINBURG TEACHERS CREDIT UNION?
The employer identification number (EIN) of EDINBURG TEACHERS CREDIT UNION is 74-1279052.
Is EDINBURG TEACHERS CREDIT UNION tax-exempt?
Yes. The IRS lists it as tax-exempt under section 501(c)(14) since 1976.
Are donations to EDINBURG TEACHERS CREDIT UNION tax-deductible?
No. The IRS master file says contributions to it are not deductible.
Which annual return does EDINBURG TEACHERS 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 EDINBURG TEACHERS 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 EDINBURG TEACHERS 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 EDINBURG TEACHERS CREDIT UNION?
The 990 for the year ended December 31, 2025 names MARY CARPENTER.
Who are the officers and directors of EDINBURG TEACHERS CREDIT UNION?
The 990 for the year ended December 31, 2025 lists 7 people; 2 received compensation from the organization, the highest $194,733 (MARY CARPENTER, CEO).
How much revenue does EDINBURG TEACHERS CREDIT UNION have?
On its 990 for the year ended December 31, 2025 it reported revenue of $3,501,513, expenses of $3,137,322 and total assets of $96,837,310 at year end.

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